Chitupa Chokuita Deposit: tsananguro uye zvivako

Rugwaro dhipoziti - ari kudzivirirwa kubhangi, ndiro zvinosimbisa kodzero depositor kugamuchira mumwe mari yechimbadzo expiry ari kuchengetedzeka. Kururama kwemashoko chitupa dhipoziti rinowanzova kubva shomanana kuti akawanda. Kazhinji, akatambanudza gwaro dhipoziti chero nguva, asi zvino mubereko payo dzakava pasi anorimwa Kufarira kuti kudiwa deposits. Izvi mhando chitupa anogona chete wana pamutemo masangano uye private Entrepreneurs, saka vari vawana chete pamahombekombe chinja.

Rugwaro dhipoziti kunoshanda chakanakisisa chishandiso mari mari zviri pamutemo masangano. All pemahombekombe akaisa risingamboshandisi mari maakaundi ake okubhengi, iyo inowanika kwete chete emakambani makuru asiwo madiki. Kufarira rate pamusoro kuchengetedzeka izvi zvinokwezva kwazvo, cashing kunoitika nokukurumidza uye pasina dambudziko yakawanda, saka ake okubhengi kazhinji waakatenga pamutemo masangano kuti yakawiriranwa yawo.

Kufanana dzakawanda kuchengetedzeka, ake okubhengi inogona kushandiswa ive interconnect kana sezvo rubatso chikwereti. Kuita cession kwechokwadi rugwaro pamusoro neizvi divi. Kakawanda, kutengeserana rwokutenga uye kutengesa zvitupa dzinoitwa panguva bhengi mavakanga yakapiwa. Dzimwe kushandiswa zvitupa kurambidzwa vari zvavakatemerwa, uye ipapo kuchengetedzeka izvi inoitwa mubhangi. chitupa kubvisa varambidzwe kudya kuti muridzi wayo haagoni basa munhu kodzero vaiva kuchengetedzeka, uye ndinoiitawo ndiye guru chikamu chitupa dhipoziti ichi.

Kazhinji hapana dambudziko kutenga gwaro dhipoziti iri kupfuura mabhanga Russian. Kana ukatenga mumari Bank Deposit Zvitupa, muri kupiwa zvitupa kutenga nayo, kuti kurasikirwa yepakutanga achawana nouya kuchengeteka. Sberbank zvitupa kazhinji izwi (Duration - rimwe gore) uye vakanyorwa, kureva kuti maakaundi ake okubhengi kuti wenhumbi, kunyange kodzero dzomunhu zvinogona kutapukira.

Deposit chitupa mumari Bank gwaro iri kudiwa, kana kupedza okutambirwa ari rubatso, kureva muridzi anogamuchira mari pazuva kana rwaangada. Zvitupa okubhengi mari Bank haagoni kuita kubhadhara zvinhu kana mabasa, asi kubhangi anogona kutora zvakadai kuchengeteka sezvo rubatso muridzi gwaro dhipoziti chikwereti. Sberbank ane zvakadai chokumbofanobata sechinhu mari gwaro rine zvinoyangarara chimbadzo uye aizviti kukosha 1, 10, 50 zviuru. A Zvinoitwa chitupa ichi ndechokuti akatengeswa vanhu uye gwaro iri mutakuri fomu.

Other yezvokutengeserana mabhanga uyewo ngaateme maakaundi ake okubhengi, asi dzinonyanya drawback ndechokuti mamiriro hakuvimbisi vakachengeteka deposits dzavo. Zvisinei, vakashandisa inishuwarenzi dhipoziti uye murambe kwairayirwa reserves pamwe Central Bank of Russia kunatsiridza inopikira depositors. Uyezve, nechepakati mabhanga basa nzira nokuda inotungamirwa mari pamusoro mabhanga inishuwarenzi, zviri madikanwa. Vanogona kushandiswa kufukidza zvemari ngozi mabhanga, okubhengi inishuwarenzi, mari kurasikirwa yemakambani vatengi. Uyezve, mutemo ine chibvumirano kuti anobvumira Central Bank of Russia kushandisa inochengetwa reserves ake sezvo rubatso hurumende chikwereti, inova uchapupu kuvandudza ukama Russian mari bhizimisi.