Kodi banki yosungidwa ndi chiyani?

  malo osungira kubanki

Malo osungira banki ndi ntchito zake

Mukamalankhula malo osungira bankiTikunena za kuchuluka kwa zopangidwa zake zomwe ziyenera kusungidwa kuti ziziziririka kuti anthu awalandire. Pakati pazachuma titha kuwonetsa izi monga zomwe banki yayikulu imachita ndi ndalama; Banki yayikulu ikagwiritsa ntchito nkhokwe, imachita izi kuti iwonjezere kapena kuchepetsa kuchuluka kwa ndalama zomwe zili mdzikolo.

Zingwe mkulu

Mukakhala ndi mtundu wa zingwe zomwe zimakonda kukwera, mabungwe adzikoli amayamba kukhala ndi zochepa zochepa kuti apange ngongole kapena ngongole za mtundu uliwonse; Izi zikutanthauza kuti kuchuluka kwa kusungitsa malo kuyenera kukhala kwakukulu.

Mwa muyeso uwu, Central Bank ikhoza kutsimikizira kuti mabanki omwe amayendetsedwa ndi dongosolo lino ndipo amatsatira miyezo yomwe awonetsedwa; azikhala ndi ndalama zokwanira kubwereketsa zikafunika.

Kodi dongosololi limagwiritsidwa ntchito yanji?

Zingwe za banki

Ndi dongosolo lomwe limachita pezani ndalama kuti mudzabwereke mtsogolo ndipo zachokera pamalingaliro amsika. Ikapeza ndalama, banki iyenera kusunga gawo laling'ono ndipo ina imagwiritsa ntchito ndalama, gawo laling'ono lomwe banki limasunga ndi banki yosungika.

Chitsanzo cha izi ndi izi

Kuti mumvetsetse pang'ono, tikupereka chitsanzo chosavuta. Banki imagwira kasitomala yemwe amatsegula akaunti ndi mayuro miliyoni imodzi. Mwa mayuro mamiliyoni amenewo, banki idzagwiritsa ntchito gawo kuti athe kuyika ndalama; koma simungagwiritse ntchito miliyoni chonchi chinthu chopatsa thanzi kungakhale kupulumutsa ma 150.000 mayuro osungidwa kubanki.

Mitundu ya zingwe

Pakati pa zingwe, pali zosiyana mitundu ya zingwe. Zomwe zimasungunuka kwambiri pazachuma, ndizofunika kwambiri kusungitsa ndalama; popeza izi zikutanthauza kuti nthawi iliyonse munthuyo atha kufunsa kubanki ndalama ndipo akuyenera kuyankha.

Iyi ndi imodzi mwazofala kwambiri pofufuza maakaunti, popeza munthuyo amafunika kukhala ndi ndalamazo nthawi iliyonse kuti azigwiritse ntchito polipira tsiku ndi tsiku ndipo banki imayenera kuwapatsa akafuna.

Mabanki ambiri amakonda kusagwiritsa ntchito ndalamazo pofufuza maakaunti kuti agwiritse ntchito ndipo salipira chiwongola dzanja cha maakaunti amtunduwu, chifukwa ndi ndalama zomwe sangathe kugwira nawo ntchito ndipo simungathe kuzibweza.

Nthawi zingwe za benchi ndizotsika kwambiriIzi zitha kubweretsa kukayikira kwa munthu amene amasungitsa ndalama zawo kumeneko, popeza pali kuthekera kwakukulu kuti sangabwerenso ndalama zawo.

Chifukwa chiyani banki singabwezere ndalama zanga?

kusungitsa banki komanso kubanki

Izi sizachilendo, makamaka mumaakaunti apakale monga tafotokozera pamwambapa. Komabe, tiyeni tiyerekeze kuti banki ili ndi banki yosungitsa ndikuyamba kuyika ndalama zonse za makasitomala ake. Anthu omwe adayika ndalama zawo pamenepo, akufuna kubweza ndalama zawo, komabe banki sangawapatse iwo ngakhale itafuna, popeza ndalamazo zakhala zikugwiritsidwa ntchito kupanga ndalama ndipo sizipezeka. Banki ikadakhala ndi ndalama zambiri, izi sizingachitike popeza zikadakhala ndi ndalama zokwanira kuperekera ndalamazo kwa anthu omwe amafunsira panthawiyo ndikubweza zotsalazo ndi zosungidwazo.

Komabe, ngati mphindi ya Chisokonezo chachuma ndipo anthu onse akufuna kutulutsa ndalama zawo nthawi yomweyo, zitha kulowa kuwonongeka kwa banki momwe banki silingakhale ndi solvency yofunikira yoperekera ndalamazo kwa anthu onse omwe amafunafuna ndipo pakadali pano, kupulumutsidwa kwachuma kwa banki yayikulu kapena kuphatikiza kwa bank yomwe ikunenedwa kuti ikulu ikulowa, ngakhale njira yachiwiri Zimatengera nthawi yayitali ndipo zimachitika mabanki akangowonongeka.

Ndani ali ndi udindo wokhazikitsa zofunika kubweza

Banki yayikulu imayang'anira kupereka zofunikira kubanki iliyonse. Banki yayikulu ili ndi mphamvu zotero m'magulu aboma kapena mtundu uliwonse waboma.

Kodi kuchuluka kwa madipoziti omwe amayenera kukhala ndi malo osungidwa ndi Central Bank ndi ati?

Kuyenerera kwa malo aboma sikofanana ndi bungwe labizinesi.

Kwa mabungwe aboma, payenera kukhala kusungidwa kamodzi kwa 2% ya zonse zikafika

China banki zingwe

1. Madipoziti ndi madipoziti
2. Chitetezo cholembetsedwa pamsika wamsika

Zikafika ku mabungwe aboma, chomwe chimakhazikitsidwa ndikosungidwa kamodzi kwa 4% pamtundu uliwonse wazopezera ndalama kapena ndalama zomwe zimapangidwa, kuphatikiza pazachitetezo zolembetsedwa pamsika wamsika.

Kodi ndi malangizo ati omwe akuyenera kutsatidwa pakachitika njira yochotsera ndalama

Mabungwewa akakhala kuti akuchotsa ntchito, alibe udindo uliwonse pakukwaniritsa zofunikira zosungidwa, popeza palibe kutsata kwamtunduwu komwe kudzafunika.

Nthawi akaunti yofunikira posungira ili m'malo omwe ali ku banki yayikulu, monga ziyenera kukhazikitsidwa

M'mabungwe aboma. Muyenera kukhala ndi 100% mumauro ndikuti mabungwe onse aboma omwe ali nawo ali ndi akaunti ku banki yayikulu.

Muyenera kukhala ndi ndalama 75 zakubweza ndalama zomwe zatulutsidwa kubanki yayikulu munthawi yochepera chaka chimodzi
M'mabungwe aboma. Muyenera kukhala ndi ndalama zosachepera 05% mosasamala kanthu zomwe zakhazikitsidwa m'malo osungira ndalama.
Peresenti yomwe yatsala mpaka 4% yomwe mabungwe aboma ayenera kukhala nayo yakwaniritsidwa, zidzakhala za satifiketi yosungitsa ndalama yomwe banki yayikulu idabwezera yobweza osakwana chaka chimodzi.

Kodi kusungitsa kubanki kumagwira ntchito bwanji potengera malamulo a banki yayikulu

MA BANKI achi China CHITSIMU

Ikayamba kuchuluka, mabungwe ambiri amayamba kukumbukira pang'ono kuti athe kupereka ngongole kapena ngongole kwa anthu omwe amafunikira. Izi zikutanthauza kuti mabungwewa ayenera kusiya ndalama zochulukirapo kuti athe kulipira ndalama zawo komanso ngongole panthawiyi. Izi zikachitika, pamakhala ndalama zochepa kwambiri zokongoza anthu ndipo zocheperako zimazungulira, zomwe zimapangitsa kuchepa kwa ndalama.

Pakadali pano banki yayikulu ichepetsa ndalama zofunika kubanki, mabanki amakhalanso ndi solvency yachuma ndipo amawalola kuti aperekenso ngongole kumabungwe ndi mabanki kudziko lonse. Izi zimapangitsa kuti anthu ayambe kukhala ndi ndalama zambiri zokongoletsa ndipo ndalama zomwe zimapangidwa zimayamba kuyenda.

Mu graph iyi mutha kuwona bwino zomwe tikutanthauza

Ku Central Bank mfundo zotsatirazi ndizokhazikitsidwa kuti mabungwe onse azitsatira

1- Muyenera kudziwa kuti chiwongola dzanja chocheperako chomwe chili chololedwa ndi chololedwa ndi chiti?
2- Ziyenera kuyang'aniridwa kuti mabanki onse ndi mabungwe azitsata zomwe zakhazikitsidwa ndikuti ngati sangatero, banki yayikuluyo ikhoza kulamula mabungwe omwe satsatira malamulo.
3- Banki Yaikulu imasankha kuti ndi nthawi iti yomwe muyenera kusunga ndikuwonetsetsa kuti aliyense akwaniritsa izi.
4- Banki Yaikulu ndi yomwe imasankha kuti ndi udindo uti womwe mabanki aliwonse ayenera kukhala nawo pakukhazikitsa zosowa.
5- Kukhazikitsa kuwerengetsa kotani kogwiritsira ntchito zingwe komanso kumaphunzitsanso njirayi.
6- Perekani madongosolo pazinthu zomwe lipoti liyenera kukhala nalo popereka zofunikira.
7- Kutulutsa zikhalidwe zomwe woyenera ayenera kukhala nazo pazandale.

Zotsatira zakusungidwa kosungidwa ndi Central Bank ndizotani?

1. Madipoziti omwe amaperekedwa kwa makasitomala m'mabanki aliwonse amasungidwa bwino komanso amakhala otetezeka kwambiri.
2. Pali zochulukirapo zochulukirapo.
3. Ndi chimodzi mwazida zabwino kwambiri pakuwongolera ndalama mdziko.
4. Ndizotheka kuwongolera komwe ndikukulitsa kwa mbiri yanyumba iliyonse.
5. Kusiyanasiyana kwamitengo kumatha kuyamba kugwiranso ntchito
6. Ikhoza kukhudza nkhokwe zadziko ngati kayendetsedwe kabwino sikuchitika
7. Ikhoza kuyika dziko pachiwopsezo ngati zofunikira zosungidwa sizikayendetsedwa bwino.

Nkhani yowonjezera:
Mitundu ya Mabanki ndi ntchito zawo zosiyanasiyana

Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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