Active kushanda ezvokutengeserana mabhanga sezvo chikuru nzira oparesheni

Active kushanda ezvokutengeserana mabhanga - ndiko kushandiswa pachavo uye akakwezva zvinhu, kunze pamahombekombe kuwana. Kana maitiro vanoshingaira kushanda ezvokutengeserana mabhanga, zvakaita zvakawanda oupfumi akasiyana kuti kuuya goho mhindu, mibayiro kana chikamu mari rwakashodoka makambani. Active kushanda ezvokutengeserana mabhanga vane upfumi zvacho chinoshingaira kuvhiyiwa, inozotevera matambudziko zvemari dyidzana kuti kugadziriswa mabhanga munguva yose iyo zvinoshingaira mashandiro.

Pakupedzisira, mabasa bhengi upi zvinofanira kuitwa mari kufukidza mari, kuripwa mibayiro pamusoro migove, mubereko pamusoro deposits uye nemari, uye vawane mubereko; It vaipa ari solvency yacho kubhangi, uye izvi zvinoita kuti bhanga iri nguva uye inowirirana zvizere yayo obyazatelstvu.Oborotom uye mari inopiwa liquidity, zvinokwanisika nokukurumidza (kunyanya pasina kurasikirwa) kutendeutsa yesangano kupinda mari.

The soro kukosha yezviri kushanda ezvokutengeserana mabhanga vari kukweretesa kushandiswa. Under ano ezvinhu, yezvokutengeserana bhengi anowedzera pachake mabasa ayo uye akavhiyiwa zvakagadzirirwa kuwana mari. By akavhiyiwa izvi anoti Trust, garandi, kushanda uchishandisa mapurasitiki kadhi, uye zvichingodaro. Chinangwa - kudzamisa vane vezvokutengeserana pamahombekombe vanoshingaira akavhiyiwa kuzozivisa vatsva.

Kuti vawane chinangwa ichi chinoda tichisunga zvasarudzwa zvinotevera mabasa: Kuziviswa zvoupfumi musimboti vanoshingaira kushandiswa, ayo mhando uye nemamiriro ezvokutengeserana pamahombekombe vanoshingaira oparesheni; kuratidza basa chikwereti kutengeserana mabasa zvebhizimisi mubhanga mabasa uye mari yavo iri kuitika kwezvakatipoteredza, uyewo zvinoshingaira kushanda ezvokutengeserana mabhanga pamwe kuchengetedzeka pamisika wemari.

Active kushanda ezvokutengeserana mabhanga - iri Banking pamusoro pekugara riwanikwe zvebhizimisi kumahombekombe dzavo uye akakwereta mari kuti purofiti. The zvoupfumi musimboti yezviri kushanda ezvokutengeserana mabhanga - ndiro zvinotevera mutengo-ukama mabasa, izvo anodzidudzira Bank munguva Implementation kuti basa remapazi: profitability kunokwanisika kufukidza mari inobhadharwa mibayiro pamusoro migove, mubereko pamusoro deposits uye nemari, uye mubereko; vaipa ari solvency yacho kubhangi; inopiwa liquidity. Quality midziyo kuona ehupfumi dzakadaro: profitability, liquidity uye ngozi. rokutengesa bhangi ndeizvi neKomisheni pamahombekombe zvakananga.

Kufunga goho ndeizvi: yesangano kuti regai vaunze goho - munhu Cash pavane kwairayirwa reserves of Central Bank, mari pamusoro dzomupepanhau nhoroondo; akatakura zvinhu goho - zvikwereti kushandiswa, kuchengetedzeka kushandiswa, mari kubva Rental zvivako uye liquidity sooruzheniya.Uchityvaya ndeizvi: vomuzana kirasi yesangano - mari mumaoko, pamusoro ari dzomupepanhau nhoroondo, kuchengetedzeka wehurumende, emura pfuma - pfupi-rokuti chikwereti, interbank chikwereti, factoring kushandiswa, mabasa pamwe kuchengetedzeka; izvi zvinhu vane kwenguva refu monetization; illiquid zvinhu - refu-refu chikwereti anoreva nhema oparesheni; illiquid zvinhu - chikwereti zvakaipa, bepa kana sauka kusauka organizatsii.Riskovannost anogona kurasikirwa mukana panguva kutendeuka yesangano kupinda mari. Huru rwezvemabhengi ngozi: chikwereti pangozi - nevozvrashaetsya wechikoro uye mubereko, chimbadzo pangozi - kurasikirwa, nokuti kuti vakapfuura yechimbadzo chikwereti guru.

Saka, chero vanoshingaira kushanda ezvokutengeserana mabhanga ndiwo musimboti zvavo zuva basa, kuvapa kufamba kwavo zvokushandisa mari.