Liquidity Current monga chizindikiro cha mphamvu ya kasamalidwe solvency

Management wa liquidity ndi solvency ya gombe ndi theoretically zochokera angapo osiyana ziphunzitso: chiphunzitso cha ngongole, kusuntha, kuyembekezera ndalama, ndiponso anthu ena. Onsewo ali ndi ubwino ndi kuipa kwake, ndipo mu maonekedwe ake angwiro si zizigwirizana zofunika zothandiza. Komabe, ndi kaphatikizidwe zinthu zina ongolankhula a mabanki kulenga mfundo zake za kasamalidwe liquidity, abwino kwambiri malamulo a ntchito yawo, ndipo ntchito bwinobwino.

Pa gawo lino la kusankha ntchito kubanki liquidity kasamalidwe mfundo imalongosola njira ziwiri: mwina banki ayenera nthawi zonse mu malo okwanira kuchuluka kwa chuma madzi, kapena imapanga kukopa liquidity pamalo alionse msika chuma. Mu mabuku azachuma, njira imeneyi yafotokozedwera kulekana kwa liquidity banki likvidnost- "chitetezo" (atathana liquidity) ndi likvidnost- "otaya" (panopa liquidity). The woyamba limafotokoza liquidity a banki bwino nthawi kuperekedwa, wofunitsitsa kuti akwaniritse udindo onse panopa pamaziko a liquidity zilipo. Current liquidity limasonyeza kuti n'zotheka kusintha chuma illiquid mu madzi zambiri, limodzi ndi kupereka osachepera kufufuza liquidity amalola zosavuta kulamulira zochitika foldable.

Njira imeneyi kwa review liquidity Mzimuyo zili mosavuta pa njira kasamalidwe mphindi liquidity, ofunikira kwambiri pokhala: strategy ulamuliro wa chuma, katundu ndi ngongole.

Choyamba mwa zinthuzi ndi kudzikundikira banki liquidity mu mawonekedwe a ndalama. Kugwiritsa ntchito njira izi anakonzeratu ndi kukhalapo mu dziko, anayamba misika ndalama ndi mitengo khola ndi kuthekera reimbursement wa ndalama koyamba pa chiopsezo kuthungo. udindo pa njira kasamalidwe zachokera ngongole ya njira ya malipiro, pamene liquidity panopa ndi otsika. Ambiri kukhutiritsa zofuna za mchitidwe masiku ano njira lachitatu. Kukutanthauza kuti liquidity panopa anakhalabe kufika imene zifunika ziyeneretso panopa komanso kutenga nawo mbali pa kalikiliki kumsika ngati n'koyenera.

liquidity Current, ndi njira onse pamwamba ndi njira, kuchita izo amaperekedwa pa mlingo yovomerezedwa, pamene iwo kulamulira njira zimapezeka kwambiri bwino ndipo ankagwiritsa ntchito ndi mabanki ano mu ndondomeko ya kayendetsedwe liquidity. Komabe, pamaso pa chiwerengero cha zinthu singasiyanitsidwe chifukwa cha chipambano cha ntchito yawo sapereka banki ya chidaliro chonse pa chitetezo cha zochita zawo. Data ma samalidwe ambeu chuma yodziwika ndi mlingo wochepa molondola, imbaenda imfa ya mbali yofunika kwambiri kuthekera phindu, ndi zinthu kumene liquidity panopa yafupika. Pankhaniyi, iwo akhoza ntchito kwenikweni kuthetsa nkhani kale. Komabe, njira yabwino kusunga liquidity ake banki ndi kuneneratu ndi escalation mwina mavuto kuti kutenga njira zodzitetezera. Choncho n'kofunika panthawi imeneyi ndiyo kulingalira mawonetseredwe yeniyeni ya banki liquidity komanso likvidnost- "Mapa".

Likvidnost- "Mapa" amakhala ndi chizindikiritso cha nkhani chitukuko n'zotheka liquidity zinthu mosavuta ndi kukhazikitsidwa kwa chiwerengero cha miyezo yake kuti tipindule pazipita kwa zinthu. Methodology kasamalidwe liquidity mu njira imeneyi zachokera njira mawerengeredwe masamu njira zazikulu ndi ntchito yeniyeni kukhathamiritsa. Njirazi n'zotheka kuti kuwonjezera dzuwa la mfundo zoyendetsera ndi kupereka mlingo kofunika chitetezo.