Credit hurongwa: yayo huru chokuita uye nhungamiro oparesheni

Shoko rokuti "chikwereti gadziriro" anoonekwa nenyanzvi kubva pakawanda maonero. Kudivi rimwe, inosanganisira zvose chikwereti masangano akasiyana siyana, munyaya urongwa siyana rwezvemabhengi mabasa. Ukuwo - ndiwo mitemo nenheyo hwaakange yose inoshanda rwezvemabhengi hurongwa.

Pari mbiri gadziriro zvinenge nyika zvose zvinosanganisira zvitatu zvinokosha siyana. Chokutanga pamwero anofukidza musimboti kana Bank munyika. It anoita mashandiro kudzora vamwe zvese, mukuwedzera, mubhengi akakodzera kuti nekuita mari. Izvi zvinoreva kuti hazvina basa yokudzora mari rive wechiGeorgian. The Central Bank anoita chimwe chezvinhu zvinokosha kushanda: iri paaivatambudza okuchengetera reserves. Mune zvimwe zviitiko, rinopa zvikwereti kune paruzhinji masimba kana rokutengesa mabhanga kuderedza zviyero, uye anoisa kuchengetedzeka hurumende. The chikwereti Hurongwa hwakarongwa kuita kuti National Bank uye hurumende basa pamwe chete kuzadzisa zvinangwa, asi hazvina kukanganisa zvido mumwe. Somuenzaniso, mukuru kumahombekombe nyika zvokurimisa mabasa yakataurwa Hurumende uye anotaurwa mu akarirasa mutemo weHurumende.

Ufanane chikwereti gadziriro wechipiri ndorwevaya yakatarwa ezvokutengeserana mabhanga. Chinangwa chikuru basa ravo runoonekwa kuti kuita mari kufadza mari. Ndiwo musiyano mukuru kubva Central Bank zvakare, sezvo mabasa ayo aisanganisira mu murau uye kuzvidzora. Credit masangano ane kwepaKrisimasi ndivo hwaro yose rwezvemabhengi hurongwa, sezvo ivo vave vanozoshanda pakati vanhu uye hurumende. Maererano upfumi pfungwa, bhengi zvizere pfungwa yeshoko, chete sangano rinogona kunzi, izvo anoita zvikuru akavhiyiwa matatu: dhipoziti, muripo, chikwereti. The Reserve Bank panguva yayo kungwara, kusarudza kuti ape rezinesi chaicho bhengi. Asi vapedzisira haana kodzero vaite mabasa avo asina rezinesi, kureva chero kutengeserana achanzi, haichashandi.

Russian chikwereti hurongwa presupposes kuvapo padanho rechitatu, izvo zvinosanganisira unyanzvi zvemari masangano. Kazhinji, izvi ndiwo masangano kuti vakapiwa mvumo kupa mamwe amabasa, asi kubhengi akadana zvizere pfungwa asingagoni. Kune vaya Masangano zvinosanganisira mudyandigere mari, inishuwarenzi uye anoreva nhema makambani, mari uye mari sangano. Saka, nemhaka yebasa ravo zvinosanganisira zvimwe mabasa rwezvemabhengi. Somuenzaniso, mumari mabhanga sangano anowanzoshandurwa akasikwa ari yoga sangano nechinangwa kuunganidza mari vokuparidzira uye zvimwe redistribution ari muchimiro kwaanoita uye zvikwereti, akapa pamusoro pfupi-refu. Kwenguva refu anomukweretesa maonero anogona kunzi sezvo mudyandigere mari, sezvo vari kwenguva refu nguva kuunganidza mari iri mamiriro nguva nenguva kubhadhara mune ramangwana. Asi chero bedzi ramakanzi nguva haana kuuya paakapiwa uwandu zvinogona kuraswa panguva nokungwara kwavo, somuenzaniso, nokupa kwezvikwereti.

Izvi nokupesana mukati zvese unokubvumira streamline yaivapo masangano zvemari, izvo hwezvekukurukurirana zvikuru nedanho vadzore pavo. Zvisinei, kwete nyika dzose dzine mari uye zvikwereti gadziriro rakakamurwa zvikuru zvitatu zvese. Vamwe vanhu vanoda kusimbisa miviri chete wokutanga, zvichienderana mwero zvoupfumi wenyika. Mukuwedzera, maitiro neimwe nyika ine maitiro ayo. Somuenzaniso, muna US pane mamiriro nokupesana mukati yoga inoti, uye mumwe mamiriro wakaiswa ayo Central Bank pachavo. Nokudaro, American chikwereti hurongwa pakutanga pamwero zvinosanganisira 12 yenyika mabhanga.