Kwesangano Urongwa pamahombekombe

Chinhu chinonyanya kukosha pakati rwezvemabhengi gadziriro ichaongororwa kwesangano maumbirwo pakati kubhengi. Zviri kunzwisisa mabasa akasiyana uye madhipatimendi, imwe neimwe iine mirayiridzo, chinhu uye chinangwa oparesheni, asi achishanda zvikuru vamwe vose. Basa zvakanaka sei kuvakwa uye zvakanaka kumhanya kwesangano urongwa kubhangi, kubudirira kwayo kunoenderana pamusika uye mukana kuti zvinobatsira emaoko.

Pamberi musoro ane basa kwakaoma paumbwe madhipatimendi uye mabasa, izvo zvakafanira muna mudare upfumi mamiriro ezvinhu. Mukuwedzera, vanofanira nechokwadi vakarongeka mashandiro vezvikwata, uye zvinoda kunyatsoteerera kuzvidzora uye kurangwa.

Kazhinji, chidziro inogona huviri kutigumbura guru: nechinzwano zvekunze. Yokutanga inosanganisira siyana madhipatimendi, services uye nezvimwewo. Zvino boka iri kwokunze mamiriro kunosanganisira rakakura richikurukura namatavi siyana subsidiaries, mahofisi uye masangano akafanana.

Mamaneja mamiriro ose kubhengi anotora kuti madhipatimendi anogona munguva pfupi nguva kugadzirisa zvichiitika nyaya uye matambudziko, kuita nenguva nenzira kuchinja kumusika mamiriro, kuongorora chaiyo kuurayiwa muduku vanhu mabasa avo. Mukuwedzera, nokudzora maitiro anofanira kumushandisira tinyatsonzwisisa huru zviratidzo zvinoratidza kunyatsoshanda vose chikwereti masangano uye nokuda kuti ongororo ezvidzidzo matanho kuvandudza kuitika basa.

Most yezvokutengeserana mabhanga vagari vapfuwi makambani. Naizvozvo,-soro muviri management pamusoro sangano iri kazhinji nezvenzvimbo Board Directors. Ari kuenda, sezvo munhu ushe, kamwe pagore chedzimudzangara pezvidzidzo uye matambudziko kana nechimbichimbi hwaro kana nezvinoitika ezvinhu.

Sezvo chinotungamirira dhipatimendi, vanoita Executive mashandiro, anoita bhodhi. Bank Sachigaro Utare wevatariri ake uye anoronga mumadhipatimendi inokosha. Hazvina anofarira zvakananga kubudirira chikwereti kupfungwa, sezvo sepasi basa pamberi shareholders 'musangano.

Zvinozivikanwa kuti 80% yose rwezvemabhengi kwema Zvinoda zvikwereti mabasa, saka sangano urongwa kubhangi hahugoni kuvapo pasina kunaka chikwereti wedhipatimendi aumba. The dhipatimendi anoita basa zvikuru pamusoro pakagadzwa chaiyo zvinodiwa yevanoda anokwereta, chikwereti kupatsanura, diversification kufarira prices nokuti mifananidzo akasiyana zvikwereti, yekuzvidzivirira asiri mutsividzo mari, uye zvakawanda.

mamiriro kwesangano mubhengi racho chinosimbiswa neimwe kambani panguva yazvo kungwara uye wakaiswa kwaro rokuzvidavirira mitemo, asi kuva nechokwadi kuti zvinosanganisira dhipatimendi basa pamwe mumatare masangano uye vanhu, dhipoziti dhipatimendi, rokuzvidavirira dhipatimendi, mari dhipatimendi, kuchengeteka uye kuchengeteka mune zvoupfumi.

Large yezvokutengeserana mabhanga vanoumba yavo odhita dhipatimendi kuti monitors rakarurama nhau uye Kuongororwa maitiro zviratidzo, izvo runogonesa zvikuru mukurumbira pamahombekombe iri dzakawanda munhandare.

Zvikuru unoshamisa muenzaniso munyika yedu vangazivikanwa nemari Bank of Russian Federation. Ndiyewo kambani vadyi kudanda, asi yakarongwa neHurumende pachayo, saka riri kuonekwa rimwe remasangano anomukweretesa masangano. Sberbank kweRussia Mamiriro achiumbwa zvokuti huru mukutsirani ndiye National Bank munyika, iyo ine 50% rokutambudzikira guru mvumo. Vamwe yakagoverwa pakati mabhizimisi uye kunyange vanhu. Ndiyo chete pamahombekombe munyika, iyo iri rusununguko chakasimba chekuchengetedzwa kubva eHurumende.