Banking basa: kwayo chaizvo uye zvinokosha zvinotaurwa

Current mitemo haripi tsanangudzo "rwezvemabhengi" pachena. Zvisinei, izvozvo zvinogona kwakagumisa kuti mabasa kuitwa nemabhengi nezvimwe zvikwereti nemasangano uye anofukidza yose chakarondedzera remapazi dzavo.

Kutanga chikuru rwezvemabhengi yawana pashure yezwi kumusika upfumi, nokuti iyi vakatanga kuumba zvokutengeserana mabhanga. Modern zveupfumi pfungwa yokuti chete pamahombekombe kuti sangano anogona anotaurwa, iro rine zvitatu zvinokosha kushanda: issuance yemutoo wezvikwereti, dhipoziti kupinza uye Implementation kuti muripo kwema makasitoma avo. Zvisinei, kuwedzera pane zvinokosha kushanda, anomukweretesa tsika anekodzero kupa mamwe mabasa Somuenzaniso, kuti vaite mabasa pamusoro kuchengetedzeka pamusika, kuti kurayira nemhosva uye zvichingodaro.

Banking basa kunosanganisira Implementation zvokutsinhanisa kushandiswa, anovimbisa vomuzana kirasi vatengi, kuvhurika uye pakazovharwa siyana nhoroondo, Vanotinzwirawo zvikwereti, zvikwereti uye Tera, uyewo vachisimudza mari pamusoro dhipoziti nhoroondo dzinongoitika uye zviri pamutemo vanhu. Mune zvimwe zviitiko, Lenders kupa mabasa akadai anoreva nhema kana kuti kurenda.

The rwezvemabhengi mabasa mumwe sangano chinotanga kuwana rezinesi, riri nekanzuru nechepakati bhengi. The National Bank rinotarisira basa makambani dzimwe nhanho dzose rwezvemabhengi ino kuburikidza pakagadzwa dzemunharaunda uye zvaanoda, kuti izvo zvose chikwereti masangano. Kuti vawane rezinesi kubhengi vanofanira kushandisa pashure kufunga izvo afunga kana kuti ape kuti rezinesi. Kungofanana zvemari sangano, kubhengi anofanira kuva guru mvumo, aumba kubva mipiro pamusoro shareholders.

Banking mabasa zvikwereti masangano uchishanda commercial hwaro, sezvinoita chinangwa chikuru allocates Mubereko waro maximization. Asi Central Bank kufunga nesimba dzavo dzose pakudzikamisa upfumi mamiriro, nokusimbaradza National mari, kuramba ayo Gengi panguva achida chechetere. Uyezve, zviri mubasa kugadzirwa mari dzaivapo, uye naizvozvo, anodzora mari rive. The Reserve Bank iri kuedza kuzadzisa chinangwa mubumbiro mari mutemo weHurumende.

The chikuru Misimboti rwezvemabhengi mabasa anosanganisira rokumanikidzirwa kutyora mumwe chikwereti sangano. Kana ukashanda pasina mvumo, basa iri richanyorwa rakadzima. Vasina rezinesi, upfumi sangano anekodzero kuramba kushanda. bhangi mumwe anoshanda pahwaro kuzvikoshesa mari uye kugutsikana, uye naizvozvo, ndizvo yakazvimirira sangano. Hapana hurumende kana Central Bank havagoni kupindira munyaya mbiri urongwa asi ezvinhu zvaitaurwa mutemo ano. Sezvataurwa pamusoro apa, musimboti bhengi chete anogadza vamwe zvaanoda kuitira kuti tirambe solvency nerimwe hupfumi sangano.

Commercial Bank kodzero yokusarudza panyaya achibudisa chikwereti kuna nemhosva kana kuti kukuramba. Hapana munhu anofanira kuchinja mutongo wayo kana kumisa nayo. Saizvozvowo, mutengi rwezvemabhengi zvigadzirwa pane ayo ungwaru sarudza kadhi sangano, dzinogutsa zvikuru ayo zvinodiwa. Maererano nenhungamiro rwezvemabhengi, bank vashandi havana kodzero pachena mashoko basa pakavanda, uyewo mashoko pamusoro mutengi kana zvayo mari Rwako.