Yau, a cikin Bankin banki yana aiki da sadarwa a kowace rana dubunnan kamfanoni da ke mai da hankali kan magance matsaloli daban-daban waɗanda mutane ko kamfanoni zasu iya samu a wasu takamaiman lokaci. Ganin cewa kowane mutum ko kamfani yana da buƙatu daban-daban, batun bankunan daidai yake kuma kowane banki yana ma'amala da ayyuka daban-daban kuma yana da samfura daban-daban. Yana da mahimmanci cewa, don kusanci bankin da muke buƙata, mun san 100% kowane ɗayansu kuma sama da duka, waxanda su ne kayayyakin da take bayarwa.
Bi da bi, kowane ɗayan yana da yanayi daban-daban da ma'aikata na musamman a cikin abin da wannan nau'in mahaɗan ke bayarwa. Kodayake a cikin Spain, bankin Spain yana kula da ganin duk cibiyoyin kuɗi da kuma yadda ayyukansu daban-daban suke, gwamnati ce ke ba da dokoki da buƙatu ga kowane banki, bisa ga kayayyakin da kowane ɗayan waɗannan bankunan ke bayarwa. Wannan yana nufin cewa kowane banki yana ƙarƙashin dokoki daban-daban. Don haka don ku ɗan sani game da duniyar bankunan, a yau za mu yi magana game da bankuna daban-daban da yadda yake aiki kowannensu.
Nau'ikan bankuna dangane da mallaka
A cikin rarrabuwar bankunan, wani abu mai mahimmanci shine nau'in mai su da suke da shi, tunda wannan zai sanya ku a cikin wani rukuni ko wata. Babban nau'in bankunan da aka sani sune:
Menene bankuna masu zaman kansu kuma yaya suke aiki?
Bankunan masu zaman kansu bankuna ne inda masu hannun jari iri ɗaya keɓaɓɓun ƙungiyoyi masu zaman kansu ko ma mutane da ke da babban saka jari. Wannan nau'in banki ya shahara a fewan shekarun da suka gabata kuma ɗayan misalai mafi kyau shine mashahurin banki na ING direct.
Menene bankunan jama'a kuma yaya suke aiki?
Dangane da bankunan jama'a kuwa, irin wannan bankin na jihar ne gaba daya. Waɗannan bankunan sune sanannu sanannu kuma yawanci suna wurin har tsawon rayuwa. Kyakkyawan misali na irin wannan bankin shine bankin Spain ko bankin Turai.
Menene bankunan banki kuma yaya suke aiki?
Cikakkun bankuna, kamar yadda sunansu ya nuna, bankuna ne da ke da jari na kashin kansu kuma, bi da bi, suna da jari na jama'a. Wadannan nau'ikan bankunan suma sanannu ne da kuma wadanda mutane kan saba amfani dasu. Gwamnatin Spain. Yana bayar da allurar jari ga waɗannan bankunan ta hanyar FROB.
Bankin banki daban-daban dangane da aikin su
Daga cikin rarrabuwa mafi ban sha'awa, akwai aiki ko hangen nesan bankin da aka ce. Kodayake a kallon farko, da alama dukkan bankunan iri ɗaya ne, manufa ce za ta faɗi muku abin da manufofin bankin suka ce kuma bisa ga wannan, menene jakar abokan ciniki. A cikin wannan jerin zamu iya samun:
Banki mai bayarwa ko bankin tsakiya, menene su kuma yaya suke aiki?
Wannan nau'in banki ana kiransa "bankin bankuna." Daga nan, abin da aka yi ƙoƙari shi ne kulawa da kuma jagorantar duk tsarin kuɗin ƙasar. Irin wannan bankin ne ke kula da tsara manufofi bisa la’akari da agogo, da fitar da kudade ga kasar, baya ga sanya dukkan kudaden kasar cikin yanayi mai kyau. A cikin Spain, ƙungiyar da ke kula da wannan ita ce Bankin Spain, wanda shine mahaɗan da ke kula da gabaɗaya panorama ɗin kuɗin Spain; Koyaya, mahaɗan da ke da iko akan komai shine Babban Bankin Turai.
Menene bankunan kasuwanci kuma yaya suke aiki?
Bankunan kasuwanci sune waɗanda ke mai da hankali kan hidimtawa mabukaci. Waɗannan bankunan sune waɗanda ke kula da bayar da lamuni, yin ajiya, da sauransu. Wadannan nau'ikan bankunan ba bankunan saka jari bane.
Raba bankunan a wannan matakin, ya faru a cikin shekara ta 1929 ta umarnin Amurka lokacin da aka nemi shi don kaucewa durkushewar harkokin kuɗi. Kodayake a Turai babu wata doka da ta raba kuɗi, bankuna da yawa suna aiwatar da shi don aminci.
Bankunan saka hannun jari, menene su kuma yaya suke aiki?
A cikin bankunan saka hannun jari, zamu sami duk samfuran da suka shafi gaba. Waɗannan bankunan suna mai da hankali ne kan kamfanoni da mutane kuma a cikin waɗannan bankunan za ku iya samun zaɓuɓɓuka kamar karɓar kamfanoni ko haɗakar biyu. Anan, zaku iya samun damar siyar da tsaro a kasuwa kuma ku sami shawarwari masu kyau don samun kyakkyawan aiki a nan gaba.
Menene bankunan kamfanoni kuma yaya suke aiki?
A cikin bankunan kamfanoni, akwai abokan ciniki waɗanda galibi kamfanoni ne. Anan akwai takamaiman samfura waɗanda ke taimaka wa kamfanoni don haɓaka ayyukansu. Waɗannan nau'ikan samfuran sune waɗanda suke da alaƙa da layukan daraja, ragi a kan takardar talla, biyan kuɗi da samun kuɗaɗen rajista ko rasit don cajin sabis.
Menene bankunan mabukaci kuma yaya suke aiki?
A tsakanin bankunan mabukata, akwai daidaiku. Waɗannan nau'ikan bankunan sune waɗanda muke ziyarta kowace rana kuma inda zamu iya samun rance na mutum, jinginar gidaje don siyan gidan da muke fata, neman katunan kuɗi, gabatar da garantin jingina ko bashi, da dai sauransu.
Bankunan ajiya, menene su kuma yaya suke aiki?
Waɗannan ƙungiyoyin bankin ajiyar kuɗi a Spain ba ƙungiyoyi ne marasa riba ba. Kodayake kusan babu alamun bankunan ajiyar kuɗi bayan rikicin shekarun nan (saboda yawancin sun canza zuwa banki), waɗannan nau'ikan ƙungiyoyin sun wanzu don ba da aikin zamantakewar ga mutane da kamfanoni don ba su damar samun bankunan ajiya.
Menene bankunan lamuni kuma yaya suke aiki?
Waɗannan ire-iren bankunan suna shahara sosai idan aka zo batun bayar da rance domin siyan kadara. Wannan bankin ya sami halartar mutane da kamfanoni.
A cikin Spain, ba zaku iya samun irin wannan bankin kamar haka ba, tunda sun shahara sosai a Amurka amma basu riga sun bazu ba, amma, tuni akwai wasu kamfanoni a Spain waɗanda zaku iya zuwa don wannan dalili.
Bankunan baitulmalin
Wadannan nau'ikan bankunan baitulmali sanannu ne tsakanin kamfanoni kuma ba yawa ba a matakin mutum-da-mutum. Wadannan bankunan sune ke da alhakin yiwa kamfanonin allura, domin taimaka musu su sake fitowa. Wannan nau'in mahaɗan bashi da ofisoshin buɗewa ga jama'a.
Cibiyoyin bashi na hukuma, menene su kuma yaya suke aiki?
da Cibiyoyin bashi na hukuma sune ke kula da aiki a cikin Spain ta hanyar makarantar bashi ta hukuma. Waɗannan nau'ikan ƙungiyoyin suna da aikin kasuwanci kawai wanda ke da ma'amala kai tsaye da Ma'aikatar Tattalin Arziki. Daga cikin manyan manufofin wannan nau'in mahaɗan shine manufar haɓaka da ba da ikon kusan inganta dukiyar da aka samo a matakin ƙasa, gami da rarraba ta daidai. Don wannan, tana neman haɓaka kowane irin ayyukan tattalin arziki da al'adu, ba wai kawai don haɓaka aiki ba, har ma da haɓaka yawon buɗe ido a wannan wurin.
ICO shine da ke kula da tallafawa irin wannan aikin don yin allurar jari ga kamfanoni a kusa da Spain. Suna yin hakan ne don waɗannan kamfanoni su kasance masu gasa a tsakanin su kuma su bayar da gudummawa ga ci gaban ƙasar baki ɗaya.
Bugu da kari, wannan dandamali na taimakawa da karfafa kamfanoni don hada kai ta hanyar shirye-shiryen manufofin tattalin arziki lokacin da matsaloli suka taso daga bala'o'in yanayi ko yanayin rikicin tattalin arziki.
Kamar yadda kake gani a duk wannan sakon, ba sauki bane kusanci ga banki kamar yadda muke tsammani, tunda dole ne mu san abin da bankin yake ba mu mu nemi ainihin abin da muke so kuma sama da duka, don a sami damar halartar mu da kaina. abin da muke so mu samu.
Kowane ɗayan bankuna sun kafa ka'idoji kan samfuran cewa zaku iya bayarwa, kodayake, a wani lokaci kuma don cin nasara akan wasu kwastomomi, suna ba da samfuran da basu cancanta da 100% ba. Kodayake Bankin na Spain yayi ƙoƙari ya riƙe waɗannan nau'ikan abubuwan a ƙarƙashin iko, mahimmancin cewa an kuma sanar da mu game da kowane nau'in banki na iya ba mu da kuma wace manufa, yana sa duk kasuwancinmu da buƙatunmu a ciki, mafi aminci.
Kodayake duk da haka, mafi kyawun zaɓi shine mu kusanci bankinmu na amintacce mu gaya musu abin da muke son cimmawa, a al'adance, a cikin wannan banki yana da rassa daban-daban kuma a kowane banki yawanci akwai ƙwararren masani daga kowane ɗayansu don mu iya tafi zuwa gare shi kafin kowane irin shakka.
