The gawo banki ndi malamulo ake

kusintha Recent mu chuma padziko lonse amaonetsa kudalira kuchuluka kwa inati kugwira ntchito kwa dera chuma ndi ngongole. Chaka chilichonse, zofuna ndalama malonda, boma ndi ogula kukula kwambiri, kutumikira zimenezi ndi dongosolo alipo kubanki.

banki Kodi

Banks ali mbali ya chuma aliyense, kaya lonse, dziko kapena dera. Anthu, malonda, boma ndi maulalo ena chuma pakati pa ophunzira kubanki.

The Bank ndi chuma ndi ngongole bungwe, amene akuchita ntchito ndi ndalama, sheya, zitsulo ndi udindo contractual, nkhani ya ndiwo ndalama kapena zipangizo zina ndalama, monga pangano la cession.

Pali, m'lingaliro wodziika, awiri mitundu a mabanki :

• Bank chapakati - bungwe anthu, omwe ndi wosiyana akuluakulu ena kuyang'anira ndondomeko ndalama ndi ndalama, chimabala kuyang'aniridwa ndi mabungwe ena azachuma, amatipatsa umuna ndalama ndi boma sheya, ngongole kwa mabanki malonda. The gawo banki ndi kuyang'aniridwa ndi Bank wa Central.
• Malonda banki - ndi aumwini kapena apagulu analiyambitsa ndi cholinga yopezera phindu pa ntchito kubanki.

Zimafunika mabanki

Yodalirika kukhazikitsidwa kwa gombe ndi lamulo "Pa ntchito banki" imene amatipatsa zofunika zofunika wabwereka:

• likulu mwini - 18 miliyoni;
• mndandanda wa zikalata;
• "Oyera" msonkho malonda ndi nkhani ya oyambitsa ndi;
• kupezeka kwa kasamalidwe chiopsezo ndi likulu ndi dongosolo mkati kafukufuku.

Tikumbukenso kuti sanali kugwilizana ndi Chilamulo kumatanthauza ndi kukana aganizire za Bank ku Central kuti apereke chilolezo. Komanso, ngati bungwe lalamulo akuchita wotuluka banki popanda chilolezo yoyenera, mwina asalandidwe phindu zonse zichokera kwa zinthu zimenezi kukhonda kulipira chindapusa iwiri kuchuluka kwa kukula kwake mokomera bajeti feduro.

The gawo banki ndi kuyang'aniridwa ya mabungwe otchuka mlingo monga fitch Mavoti, S & P, Moody, ndi anthu ena. Ziyenera awo Mzimuyo kudalilika ndi mtendere wa mabungwe ngongole kwa zaka zingapo, kuonera a banki kuonjezera chikoka cha mabungwe ena ndalama depositors.

ntchito banki

ntchito banki ndi yaikulu mabanki ambiri patsogolo yekha gawo la iwo, kotero gulu zomveka za mtundu wa ntchito;

• mabanki Universal. Iwo nawo pafupifupi mitundu yonse ya zinthu banki, monga Sberbank, VTB 24.
• Investment mabanki. Ukugwira ndalama ndi nkhambakamwa m'misika chuma, monga BCS, ndi Finns.
• Nthambi mabanki. Iwo ambiri chinkhoswe mu kukongoza ndi utumiki mabizinesi, monga Bank ulimi, ICB.
• mabanki apadera. Kuchita yopapatiza osiyanasiyana udindo banki kapena ndi dongosolo utumiki sanali muyezo, monga Gazprombank, "Tinkoff".

Banki gawo zikuphatikizapo zotsatirazi ntchito banki :

• Kukongoza.
• Custodianship.
• Ndikupeleka Service.
• Ziwongola dzanja zaogulitsa ntchito.
• Investment.
• Yosinthira ndalama.
• Malo a zitsulo zamtengo wapatali.
• Kubwereketsa ntchito.
• kasamaliridwe kakatundu wa chuma chuma.

Zokonza lamulo la banki: Mwayi ndi Zofooka

Financial ndi banki gawo pansi pa lamulo malamulo ndi ndalama. Ku maganizo a chilamulo, mabanki ndi phunziro kwa akaphatikiza zokhudza malamulo malamulo ntchito kubanki. Mu Russia, waukulu umene Chilamulo Federal "Pa ntchito banki" ndipo Mwachitsanzo, ubale wobwereka ndi banki amatsanzira Civil Code.

Ndi nkhani ya lamulo la ndalama, ndi kuyang'anira mabanki malonda ndi Bank wa Central. Iwo akumuuza ndi revokes ziphatso, limafufuza udindo ndalama banki ndi, makamaka, ayenera kukhala liquidity zokwanira, chilungamo cha wotuluka, mlingo wa nkhokwe pa pepala malire amakhazikitsa mfundo za akawunti ndi zina zotero. D.

malamulo Russian amapereka inshuwalansi wa miyala ya anthu pa nkhani ya chilolezo banki ndi lakana, kuchuluka - mpaka rubles miliyoni 1.4, ndi pansi inshuwalansi imagwera komanso chidwi cha zopereka anapeza nthawi ya achire wa Chiphatso. riziki ili la chilamulo si zomveka kuti mabungwe alamulo.