Bank musaridzwa

webhanga mwero kunoratidza mashoko anokosha zvoupfumi zvisiri pachena kuti rwezvemabhengi sangano uye uvandudze kuti basa Bank Management. Achibatsirwa ehurumende zviremera kudzora kukura mari nemauto munyika. Management of bhengi, akavapindurawo, kwakavakirwa nengaidzo kubhengi anoyera risiti okupedzisira zvabuda uye kubudirira mabasa anoitwa, anorondedzera Zvinhanho kukura rwezvemabhengi kwacho.

Vanoumba kubhengi kuti nepakati pepa iri chimiro pfupiso tafura akamisa pachishandiswa mapoka remapazi zvichienderana mune zvemari homogeneous zviratidzi kuti munguva ezvinhu akaundi musi musi chaiwo.

Pakuenzanisa yezvokutengeserana Bank nepakati jira, iyo inoratidza mamiriro yavo, chikwereti, akakwereta mari yacho kubhangi, achiratidza sei inoiswa zvikwereti uye mamwe basa kushandiswa. In tsika, bhuku iyi mashoko vachiongorora paumbwe mari vavo placement, mamiriro chikwereti, mari, nzvimbo uye dzimwe rwezvemabhengi kushandiswa, kusanganisira kushandiswa ne kuchengetedzeka.

akaundi zviyero Nomenclature rakakamurwa nepakati jira kure-mwero.

Chokutanga aya:

• pusa - ndiko kubhangi kuti zviwanikwa nokuda anomukweretesa uye Implementation vamwe rwezvemabhengi kwema, ivo kupangidza bhangi mari, mari inongoitika vanhu akaitwa uye masangano, mamiriro bhajeti zveminda, deposits, mari iri Masvomhu, kubhangi kuti purofiti, chinoita bhadharika, dzimwe munataisireva uye rakumbirwa mari, kusanganisira refinancing kuti mari dzakanga kubva mamwe mabhanga;
• vanoshingaira - bhadharika pavari inoratidza sei uye nenzira ipi kuti kushandisa zvinhu izvi, chengeta zvinyorwa mari pane mabhanga, zvikwereti inokuvadza uye pfupi, mamiriro bhajeti havashandisi mari yakawanda, chinoita receivable, uyewo mamwe zvinoshingaira nevamiririri.

Nepo ekupedzisira, kure-nepakati jira, muri kuratidzwa kufamba magwaro uye zvinokosha, izvo wakauya rwezvemabhengi nemasangano nezvebasa, kuchengetwa kana muunganidzwa, kusanganisira zviratidzo ehurumende basa muripo siyana anogoverana kwokuoma kuzvidavirira, uye vamwe.

Nekurangarira bhangi pachiyero dzikarongwa nokuda mwero liquidity munyaya anotevera zvinhu:

• mari, pfuma nhoroondo nedzimwe mabhanga, kuti, vanoratidza "reserves chikuru" kuna liquidity;
• Bhizimisi zvebhizimisi bepa, pfupi uye refu kuchengetedzeka uye vamwe, kuti chikamu "yechipiri reserves" nokuti unogona kukurumidza dzikava mari pasina ngozi yokurasikirwa;
• zvikwereti kune mumwe anokwereta, masangano, mabhizimisi, nemamwe mabhanga; sezvo paine mukana vachangobva mutsividzo, pakuenzanisa izvi zvinhu ndezvaJehovha yakaderera zvokunwa upfumi;
• mari - vanopedzisira chinjwa uye usingazungunuke pfuma, kusikwa pamwe akaidza, subsidiaries, etc.

Saizvozvowo, upfumi zvacho kwema mubhangi wacho nepakati jira dzikarongwa nyaya:

• mutengi kwema, kusanganisira kwema mune kukwezva zviwanikwa uye achiita zvikwereti;
• interbank kwema, kusanganisira pfupi uye yakareba; dzimwe kushandiswa, kusanganisira mari iri pfupi marketable kuchengetedzeka uye dzimwe kuchengetedzeka.

Bank mwero ine mwero chimiro kunotenderwa Bank of Russia, uye inobva zvinotaurwa:

• Bhizimisi chamazuva,
• kunyatsoshanda, iyo inviolability hwomukova nepakati,
• fuma pamusoro chimiro,
• rakavhurika nhoroondo,
• kusachinja-chinja rokuzvidavirira mitemo,
• ngwarira, zvinoratidzwa pamusoro imwe mari maererano mari uye ishandise
• paradzanisa kufungisisa kuti kuita uye munataisireva.