Chii pamahombekombe wacho liquidity

Kana kubhangi anokwanisa kusangana mitoro yavo, kwakadaro pfungwa inonzi liquidity pakati kubhengi. Bank liquidity kunobva dhigirii remapazi njodzi. Kureva zvakawanda yesangano rurefu panjodzi pamahombekombe wacho nepakati papepa, rezasi iyo liquidity pakati kubhengi. Nokuti yesangano dzakakwirira ngozi zvinosanganisira Somuenzaniso, kwenguva refu upfumi ane bhangi. Njodzi shoma zvinhu zvinosanganisira mari mubhangi manotsi. chikwereti dhigirii uyewo chinobata zvikuru liquidity yacho kubhangi, kusanganisira pamusoro nenguva mutsividzo yacho chikwereti.

Uye, liquidity pakati kubhangi mwero kunoenderana sechivako pachiyero pepa. Somuenzaniso, kudiwa deposits chingawanikwa makambani chero nguva, uye nenguva deposits chinoitwa nemabhangi kwenguva refu. Naizvozvo, bhengi racho liquidity raigona yekudyidzana kuderedzwa kana kuwedzera mugove kudiwa deposits uye kuderedza mugove wakatarwa-rokuti deposits. Nenhanho liquidity ingachinja uyewo zvinhu zvakadai rakavimbika zvikwereti uye deposits, zvange akawana zvimwe zvikwereti masangano bhengi.

In dzinoongorora solvency uye liquidity yacho kubhangi, unogona kusarudza sei kubhengi unoshanda. A inogona dzinoongororwa nokushandisa chinokosha zviratidzo kuratidza nhamba yesangano uye munataisireva uye maumbirwo zvinhu. Panguva dzakawanda vanochiva vachishandisa chaiyo liquidity ratios ndiyo nhamba uwandu kuita uye munataisireva. Liquidity zviratidzo munyika dzakasiyana angava akasiyana nzira kuverenga uye zita. Zvose zvinoenderana chii mumwe nyika ine tsika dzayo uye tsika. Kuongorora liquidity yacho kubhangi, zvakakodzera kushandisa zvinhu svikiro uye kwenguva pfupi liquidity. Mune dzimwe mabhanga ari liquidity mwero iri pakutsvaga rwezvemabhengi mitemo nezvimwe miviri isingachinji mari uye rwezvemabhengi anotarisira. Padanho kugona kuita kubhangi kuti munataisireva kunotemwa kuburikidza tichienzanisa mitemo uye kukosha coefficient pakati kubhengi.

Mubhengi racho munataisireva tisiyanise kwaniso uye zvomene. Zvinogona kure-nepakati jira kwema denominated pusa Somuenzaniso, akapa mubhengi vimbiso uye garandi. Uyewo, kune zvinogona kure-nepakati jira munataisireva zvinosanganisira vanoshingaira opertsii muenzaniso mabhii zvikwereti. The kuzvipira zvingasanganisira bhanga kuti nepakati jira, iyo inotaurwa muchimiro deposits uye nokukurumidza kudiwa, zvinoreva chikwereti uye borrowings. Kuti azadzise mitoro izvi zvinogona kushanda manyuko mari, varehwa sezvo mari pachiyero pamaoko, pfuma zvaive mune mari uye kumwewo. Kushandiswa umboo manyuko, kubhangi havafaniri achiperekedzwa vaaida.

Mubhengi racho liquidity inogona sokuva simba mamiriro, iyo inoratidza kukwanisa kusangana ayo nemhiko, zvakananga kuna depositors uye chikwereti nokuti kuti Rinotarisira yayo zvinhu uye munataisireva. Solvency rakarongwa kuti musi chaiwo, kusiyana liquidity Somuenzaniso, apo mhosva mubayiro nevashandi kana kana zvakakodzera kubhadhara mitero bhajeti. The reshiyo pakati solvency uye liquidity kunotungamirira ezvinhu akadaro, kubhangi havagoni kusangana muripo wayo sungiro uye zvinogona kuramba zvokunwa. A nokurasikirwa liquidity kunotungamirira enderana sauka. Pfungwa iyi zvingareva sezvo kutadza pakati kubhangi kuwana zvinyorwa abhadhare chikwereti chacho vaite dzomunyika mamiriro, uye hazviiti kuti kuunza pakunamata pakati munataisireva zvimwewo zvinyorwa.