Ziweruzo ongolankhula pa gombe, ndipo ntchito banki chilengedwe zazikulu za citukuko

Izo ziri zodziwika bwino kuti zofunika kwambiri pokambirana pa gombe, ndipo ntchito ku banki moganizira kuphunzira mabungwe munthu zachuma, imene Inde zachibadwa za malonda osati vuto la kusowa kwa solvency, liquidity ndi kukhazikika, miscalculated kuopsa mu ntchito banki ndipo kenako dipo . Nthawi zambiri likukhalira kuti mabungwe awa ali bwino anakwanitsa zina umboni chinyengo ndalama akhala sakudziwika. The kusanthula zoterezi mu Poyang'ana m'mbuyo analola kukhazikitsa zolakwa dongosolo la polojekiti ndi kusintha kubanki.

Cholinga cha mfundo imeneyi si amafuna kufufuza mitundu yonse ya zinthu banki kapena kudziwa zimene zimayambitsa insolvency kapena bankirapuse a mabanki ena malonda, makamaka chifukwa palibe ziwiri zofanana mwamtheradi, onse mkati ndi kunja zochitika ndi zinthu zokhudza chikhalidwe cha banki, amene angagwiritsidwe ntchito kuyerekezera, gombe ndi mavuto ndi mayesero banki panopa. Ndipo ngakhale pa nkhani ya kudzipenda moteromo zotsatira zake mokwanira yosokoneza, popeza kokha zanyengo. Komanso akulankhula za mabanki ndi ntchito banki, tisaiwale kuti onse mabanki malonda ntchito mu zikusintha mavuto azachuma kulosera kuti digiri chokwanira Mwina Zimatheka, komanso zinthu yomweyo amakhala ndi amadza osiyana pa kapena bankiyo. Zinthu mkati, zofunika kwambiri zomwe ndi kasamalidwe dongosolo banki, mphamvu, luso bwino ntchito zilipo ndalama ndi kuoneratu zotsatira zanji za zisankho ndi ntchito komanso ndife osiyana aliyense banki payekha.

Ngakhale mbali tatchulawa wa kugwira ntchito kwa onse pali mwayi, kulankhula pa gombe, ndipo ntchito banki, kuika zizindikiro za mabanki zinatha, ndipo kenako anasiya, umene maziko makamaka pa kachulukidwe koyefishienti kusanthula statement a chuma ankaona mabungwe. Cholinga chake ndi kuti mutsimikize kuti ubwenzi wolimba causal pakati kusintha chilengedwe zazikulu za citukuko, boma la mabanki ndi dongosolo banki, poona mmene mfundo za kutseka mabanki malonda pa chikhalidwe cha lotero. Pankhaniyi, kuti aone mmene muyeso imeneyi, ife chimatanthauza Mwina pachaka kusakhulupirika a mabanki malonda ndi njira mphindi, chifukwa cha mawerengedwe kuti udzapeza apawokha ya kanjedza pachaka. Poyerekeza awo ndi zizindikiro zazikulu za citukuko amakulolani kukhala ndi kutsimikizira kuli pa ubwenzi woterewu. Iwo ayenera kuganizira fanizo ili ndi mwangwiro umboni ndi okhawo kuyerekezera zina dongosolo samasintha udindo wa mabanki malonda anasankha zizindikiro zazikulu za citukuko. Ponena kwenikweni pa gombe, ndipo ntchito ku banki akhoza kutsutsa kuti chithunzi chimenechi chikusonyeza mmene, mu anapatsidwa kusintha chaka kalendala mu Mwina kusakhulupirika za mabanki malonda, zinthu zina zonse wofanana (onse mkati ndi kunja) yekha malinga ndi kuchuluka kwa mabanki lithe.

Tikumbukenso kuti njira mphindi chimagwiritsidwa ntchito mawerengeredwe ndi kuphunzira malumikizanidwe wa defaults zilipo mtengo mwadzina wa chuma mu mchitidwe mayiko potaya Mwina kusakhulupirika mbiri wotchedwa kakatundu mtengo njira.

Komanso njira mphindi kuti iyende ofanana Angagwiritsidwenso ntchito munthu pazipita imabwera njira (pazipita imabwera njira).