Interbank chikwereti: mamiriro ayo uye zvinokosha zvinotaurwa

Interbank chikwereti anonzi nokukwereta mari nharaunda, inova hwakavimbika. Pashure pezvose, chero chikwereti sangano rinoita kwekanguva mari zvinodiwa rimwe bhengi chete kana pane kutsigira nemari kugadzikana. Uyewo, dzimwe dzinongoitika kana pamutemo munhu akanyanya novimba kuchinja zvokunze mari zvinhu, kunyanya mitengo nokufamba mumusika.

Interbank anomukweretesa vanowanzochema chishandiso kwerunyararo mabasa yose rwezvemabhengi maitiro uye wayo nomumwe zvinhu. Credit Masangano kunge akarwawo ichi mhando zvikwereti iri chiitiko munhu unopinza kuderera padanho liquidity, mukuwedzera, vanobvumira here kuramba zvinodiwa nenhanho profitability. Liquidity zvinonzwisiswa sezvo kubhangi anogona kusangana ayo nemhiko nenguva, pasina kuita vatengi kumirira. Zviri pamusoro izvi paakati mhedziso pamusoro mukurumbira tsika.

Zvisinei, zvikwereti Inter-bhengi kuchipiriso zvazvisingarambiki zvazvakanakira vane matambudziko avowo. Chekutanga vose mabasa kuti nokukwereta ndiyo chete kwenguva pfupi. Long-izwi zvikwereti kumabhengi nemabhangi zvaisazova kubatsira kana bato. Uyezve, chikwereti masangano kunge akarwawo mudziyo yakadaro kundosangana kwekanguva kushaya mari, kazhinji kacho, chete tisina dzimwe nzira. Izvi hazvishamisi, nokuti mutengo chikwereti akadaro nani yakakwirira uye hazvibatsiri mukwereti nguva dzose. Kubvisa aripo zvazvakaipira kuvandudzika pamusoro rwezvemabhengi hurongwa zvinokosha kuva nhungamiro yakadaro, sezvo Inter-kumahombekombe chikwereti. Chokutanga, tinofanira kutungamirira zvose zvavanogona kuti pave Database kwakakwana uye zvoga okutambirwa zvakakodzera mashoko ose.

Relations pakati pemahombekombe akaratidza ari chikwereti chibvumirano, zvikurukuru nokuda chibvumirano pakati mapato akaisa chaizvo kupedza, cost, nzira chikwereti mutsividzo uye zvichingodaro. Mumakore achangopfuura akatanga kuva interbank chikwereti kuti "kurara" nguva, ndiko, kuti vadzoke chitsama chikwereti vachava papera maawa 24. Kwenguva refu mari chaizvo pasi, saka masangano akawanda kushandisa nhasi basa.

Kana isu kutaura nezvebasa IBC (Inter-bhengi chikwereti), ayo zvinobatsira kukura rwezvemabhengi hurongwa hakuzi mubvunzo. Nokuti anobvumira chikwereti masangano kunyange munguva nematambudziko zvemari kuramba solvent. On ezvinhu zvikunde chikwereti kwakadaro sei kwokunze zveupfumi zvinhu. Somuenzaniso, mamiriro ezvinhu pamusika mari kunotema yacho chimbadzo. Sezvingatarisirwa, ayo rutapudzo kunotungamirira kuti rutapudzo pamusoro Mari chikwereti, zvinoreva unogona kutarisira pakuwedzera kudiwa. Kumboda kuva pfupi zvikwereti izwi, sezvo wemishonga zvinoverengeka zvinodiwa nyaya Inter-rokuti chikwereti. Chekutanga, zvakanaka simba pamusoro chimbadzo. Chechipiri, akatsiga mitengo kuti hurumende kuchengetedzeka. Pakupedzisira, rakavimbika sangano-anokwereta anogona kubhadhara yakatsiga. In tsika, ichi "maererano" zvikuru kushoma, ndokusaka zvikwereti kwenguva refu vasina kugamuchira kuparadzirwa zvakakodzera.

Hazvina chakavanzika kuti chikwereti chero mutsa mukwereti vanofanira kupa zvimwe zvinyorwa. Interbank chikwereti makapiwa pachishandiswa mashoko, magwaro constituent dzesangano, kukwereta, kopi mamiriro kunyoresa, bumbiro, chisimbiso rupawo uye siginicha anotaurwa vanhu, uye dzimwe mureza magwaro. wokupedzisira chisarudzo akakweretesa Asati achiitisa kumbonyatsoongorora kuongorora zvakataurwa nemari akakwereta kuona tarisiro pakukura uye padanho solvency.