Banki kasamalidwe Cash

Management aliyense pompopompo osauka bungwe ngongole ayenera kufunafuna kuonetsetsa kuti mtengo wa banki ikuyandikira pazipita, ie, banki akupanga phindu pa enaake pa choopsya. Nawonso kasamalidwe banki chiopsezo ndi ndondomeko zovuta kuphatikizapo kasamalidwe otaya ndalama, nthawi zonse kuwunika mosavuta chiopsezo imfa ndi kupewa ake ndi utumiki zothandiza, kusankha ogwira oyenerera pa udindo wamba ndi kulondolera ndikukhazikitsa njira makina.

kuopsa banki anawagawa m'magulu angapo chachikulu:

1. mavuto azachuma, monga msika ndi ndalama chiopsezo, liquidity chiopsezo, chiwongola dzanja ndi chiopsezo ngongole, likulu adequacy chiopsezo, muyezo pepala dongosolo, mawu ndalama.

2. The malonda mavuto, kuphatikizapo mavuto a zomangamanga ndalama, malamulo, msika.

3. kuopsa kwa zinthu mwadzidzidzi, lomwe ndi kuopsa ndale za mavuto banki m'dziko la malo ya gombe, komanso kunja.

4. Sikuyenda mavuto, kuphatikizapo chinyengo ndodo kapena makasitomala, ngozi kulephera zamakono, njira osankhidwa ndi dongosolo mkati mwa bungwe ngongole.

Chovuta kwambiri kusamalira kuopsa amaonedwa mwadzidzidzi, monga Nthawi zambiri Yak zokha ndipo sangathe anaoneratu, makamaka ngati aliyense wa chuma banki la zili m'dziko lina. Mwachitsanzo, kuletsa ntchito ndi madipoziti m'dziko lina negates kasamalidwe otaya ndalama, amene ayenera kufika mu njira imodzi kapena bankiyo. Ena kuopsa akhoza amachepa bwino.

Chifukwa chakuti ntchito yaikulu banki ndi monga kudzikundikira chuma ndi kuwapanga iwo alembedwe wa ngongole nawo kwambiri ngongole chiopsezo banki a chimakwirira. Pamafunikanso n'zosavuta kuti wobwereka sapereka ngongole zonse, kokha kubwerera gawo kapena kuchititsa kubwerera ntchito pambuyo tsiku lomalizira ndi.

Pakati pa ngongole chiopsezo za kumasulidwa kwa chikhulupiriro loipa la anthu, si alipire ndi makasitomala makampani, komanso kuopsa kuti boma lililonse adzataya mphamvu yake kulipira udindo wake (mwayekha).

kasamalidwe Mawu chiopsezo kumafuna:

- kasamalidwe ka ngongole banki a mbiri, mfundo zimene zikugwirizananso mu ndondomeko zomveka za mapulani kaikidwe ka chuma ngongole, etc.

- kuphedwa ngongole ntchito (ngongole ayenera anabwerera, kupanga phindu ndi kukhala mu ankafuna mu msika);

- zonse kuwunika ubwino wa mbiri ngongole

- pa Kugawilidwa kwanthaka wa sanali kuchita ngongole, ndipo mulinso kubwerera kwawo;

- kuchepetsa wa ngongole chiopsezo ndi kuchepetsa ngongole pa-lalikulu munthu aliyense, dera kapena dziko, chilengedwe cha dongosolo kubwerera kwa zomvetsa ngongole ndi ena.

Kuwonjezera pa alipire wa ngongole kubanki manja ndalama madipoziti, monga nkhani yake opangidwa chabe chiwerengero ka kukongoza. Kuti efficiently kubala kasamalidwe otaya ndalama, m'pofunika kudziwa ambiri mumaganiza zachuma ndi mpikisano 'umapatsa anapereka chiwongola dzanja pa madipoziti, wokongola kwa makasitomala ndi mbiri yabwino kubwereka ndalama pa interbank msika, kukwaniritsa ziyeneretso zolimbana kwa issuance wa masheya yake, ndi zaphindu yopeza ndalama zimene zinasonkhedwa analandira zikutanthauza Mwachitsanzo, katundu kapena ndalama m'misika, ndi ena.

Kuthetsa otaya ndalama ya gombe ndi ndondomeko zovuta, chifukwa cha amene ayenera kukhala mulingo woyenera muyezo pepala dongosolo, kupereka phindu pa mlingo Napempha kwa chiopsezo ndi kugwilizana ndi malamulo wogwila malamulo.