Kubhangi kuti zvinhu uye tichishingaira kushanda ezvokutengeserana mabhanga

Active kushanda ezvokutengeserana mabhanga ari paro akavhiyiwa akagadzirirwa kukwezva uye kubhengi ndokuisa mambure ukoshi. Izvi zvinosanganisira: zvikwereti mari nenzira dzakasiyana-siyana ezvokutengeserana mabasa, kuunganidza kuchengetedzeka, factoring uye anoreva nhema, uyewo kwema vane zvikwereti uye zvinhu. Kubhangi kuti zvinhu zvakaita kusiyaniswa ukuru liquidity, uyewo inosiyana profitability uye riskiness. The wakakwirira pamwero liquidity, kashoma kuti hazvibatsiri. mubhengi racho yesangano muchimiro oupfumi securities uye zvikwereti kwenguva refu, kupa mukuru zvisingabatsiri. kakawanda vane chemhando ngozi.

rokutengesa bhengi racho ndeizvi akakamurwa pahwaro profitability:

- kunobatsira: zvikwereti, kuchengetedzeka, factoring, mashandiro pamwe mari, anoreva nhema, zvichingodaro;

- maturo: dzomupepanhau nyaya, mari, upfumi, wakaiswa pfuma, chinoita receivable, mubereko zvikwereti uye zvichingodaro.

Midziyo Anoendeswa muboka sezvavakanga mwero liquidity, kureva, mwero ivo tinoshandurirwa mari uye mari aiendeswa kubhangi pakarepo mitoro yawo dzinoitwa ayo chikwereti uye depositors panguva iyo. Kuti vawane kubhangi mukana wose zuva kubhadhara ayo mitoro, sechivako kubhangi kuti zvinhu kunodiwa kuti zvaidiwa zvinodiwa liquidity. Nokuti chinangwa ichi vari yakakamurwa, zvichienderana liquidity uye kukura mhando. Kubhangi kuti zvinhu zvinogona kukamurwa zvikuru emura zvinhu uye kwenguva liquidity chete mvura. Kusvika zvikuru kugamuchirwa inosanganisira: mari uye neShanduro, mari munhoroondo panguva Central Bank, dzomupepanhau nyaya, zvikwereti kune mamiriro, upfumi muusungwa, uyewo mari kuti wakagamuchira pamusoro dzomupepanhau nhoroondo mabhanga kubva basa kuurayiwa zviri kuchengetedzeka. Kana zvakakodzera kuti mushonga yesangano iri mubhengi anogona kutorwa kubva wechiGeorgian. Kuwedzera kune izvi zvikuru emura yesangano, anoumbwa emura rinosanganisira zvikwereti zvose vakanga wakabudiswa vavatorwa National mari, idzo chemhosva nguva iri anenge matatu mazuva, uyewo dzimwe mari kuti chikwereti kupfungwa, akavimbisa kuti atsive inotevera namazuva matatu. The-yakareba zvinhu zvinosanganisira zvikwereti zvose kuti yakapiwa dzimwe nemakanzuru mari, kukura kwakaita gore vanopfuura mumwe, hafu anovimbisa kuti yakapiwa pamahombekombe nokuda izwi anopfuura rimwe gore nonoka zvikwereti nemambure zvikwereti kuti inosimbiswa hurumende, kuchengeteka simbi zvuva uye kuchengetedzeka. The nemamiriro yesangano iri mubhengi anofanira kuona kufadza rationally, apo kubhangi anofanira kunyatsoongorora kuongorora Implementation zvaidiwa liquidity, kureva, vane zvakakwana zvikuru emura, refu-mvura uye mvura zvinhu hama kuti munataisireva, pasi mashoko, marudzi uye mari. Uye kuita zvinodiwa magetsi, refu-refu uye nguva imwe liquidity.

Chinodiwa basa chero bhangi riri kuita munhu Statistical kuongorora twa kwema. Panyaya iyi pane dzakananga akagadzirwa mabasa:

- Kuongorora chikwereti Portfolio mamiriro;

- Kuongorora mwero zvakarurama vapindure;

- kuongorora maumbirwo remapazi dzavo uye kuchinja kwenguva;

- fananidzo maumbirwo nhivi 'kwacho;

- kupima of Implementation pakati fanira mitemo pasipasi reserves;

- Kutsunga kunaka yesangano, kunyanya chikwereti pangozi kupima;

- mudzimu muzvikwata zvisina tsarukano ari yesangano iri mwero liquidity.

The Bank, uyewo chero kambani ane basa riri kuitwa kumusika upfumi, yakatarisa nengozi yokurasikirwa. Chinangwa kuri kuti govera yesangano optimally, kurerutsa ngozi.