Mitundu ya Mabanki ndi ntchito zawo zosiyanasiyana

Mitundu Mabanki

Lero, mkati mwa Mabanki amagwiritsa ntchito ndikuyankhulana tsiku ndi tsiku mabungwe ambirimbiri omwe amayang'ana kuthana ndi mavuto osiyanasiyana omwe anthu kapena makampani angakhale nawo munthawi yapadera. Popeza kuti munthu aliyense kapena kampani ili ndi zosowa zosiyanasiyana, nkhani yamabanki ndiyofanana ndipo banki iliyonse imagwira ntchito zosiyanasiyana ndipo imakhala ndi zinthu zosiyanasiyana. Ndikofunikira kwambiri kuti, kuti tithe kuyandikira ku banki yomwe tikufunikira, tidziwe 100% iliyonse ya iwo komanso koposa zonse, zomwe ndi zinthu zomwe zimapereka.

Ndipo aliyense wa iwo ali nawo zochitika zosiyanasiyana ndi ogwira ntchito mwapadera pazomwe bungwe ili limapereka. Ngakhale mkati mwa Spain, banki yaku Spain ndi yomwe imayang'anira kuwona mabungwe onse azachuma komanso momwe ntchito zawo zilili, ndi boma lomwe limapereka malamulo ndi zofunikira kubanki iliyonse, kutengera Zogulitsa zomwe mabanki onsewa amapereka. Izi zikutanthauza kuti mabanki onse amayang'aniridwa ndi malamulo osiyanasiyana. Kuti mudziwe zambiri zamabanki, lero tikambirana za mabanki osiyanasiyana komanso momwe amagwirira ntchito aliyense wa iwo.

Mitundu yamabanki kutengera umwini

Uptrend amaunjika ndalama zasiliva, pamndandanda wazachuma monga maziko. Kusankha

M'magulu amabanki, china chake chofunikira kwambiri ndi mtundu wa eni omwe ali nawo, chifukwa izi zikuyikani m'gulu limodzi kapena lina. Mitundu yayikulu yamabanki yomwe imadziwika ndi:

Kodi mabanki azinsinsi ndi chiyani ndipo amagwira ntchito bwanji?

Mabanki achinsinsi ndi mabanki momwe omwe amagawana nawo chimodzimodzi ndi mabungwe osiyanasiyana kapena ngakhale anthu omwe ali ndi ndalama zambiri. Banki yamtunduwu idatchuka zaka zingapo zapitazo ndipo chimodzi mwazitsanzo zabwino kwambiri ndi banki yotchuka ya ING.

Kodi mabanki aboma ndi chiyani ndipo amagwira ntchito bwanji?

Malinga ndi mabanki aboma, mtundu uwu wa banki ndi waboma kwathunthu. Mabanki awa ndi odziwika kwambiri ndipo nthawi zambiri amakhala kumeneko kwanthawi yayitali. Chitsanzo chabwino cha banki yamtunduwu ndi banki yaku Spain kapena banki yayikulu ku Europe.

Kodi mabanki osakanikirana ndi chiyani ndipo amagwira ntchito bwanji?

Mabanki osakanikirana, monga dzina lawo likusonyezera, ndi mabanki omwe ali ndi ndalama zawo ndipo nawonso amakhala ndi ndalama zaboma. Mitundu yamabanki iyi imadziwikanso bwino komanso yomwe anthu amagwiritsa ntchito. Boma la Spain. Amapereka jakisoni wamkulu kubanki izi kudzera mu FROB.

Mabanki osiyanasiyana kutengera ntchito yawo

Mitundu ya Mabanki

Mwa zina zochititsa chidwi kwambiri, palinso ntchito kapena masomphenya a banki imeneyo. Ngakhale poyang'ana koyamba, zikuwoneka kuti mabanki onse ndi ofanana, ndiye cholinga chomwe chingakuuzeni zolinga za banki yomwe yanenedwa potengera izi, mbiri ya kasitomala wake ndi yotani. Mndandandawu titha kupeza:

Banki yomwe ikupereka kapena banki yayikulu, ndi chiyani ndipo imagwira ntchito bwanji?

Mtundu uwu wa banki umatchedwa "banki yamabanki." Kuchokera pano, zomwe zimayesedwa ndikuyang'anira ndikuwongolera dongosolo lonse lazachuma mdziko muno. Banki yamtunduwu imayang'anira kukhazikitsa mfundo zoyendetsera ndalama, ndikupereka ndalama kudziko, kuphatikiza pakusunga nkhokwe zonse zadziko mokwanira. Ku Spain, bungwe lomwe likuyang'anira izi ndi Bank of Spain, lomwe ndi lomwe limayang'anira ndalama zonse zaku Spain; komabe, bungwe lomwe limayang'aniradi chilichonse ndi European Central Bank.

Kodi mabanki amalonda ndi otani ndipo amagwira ntchito bwanji?

Mabanki ogulitsa ndi omwe amayang'ana kwambiri kasitomala. Mabanki awa ndi omwe amayang'anira kupereka ngongole, kupanga ndalama, ndi zina zambiri. Mitundu yamabanki iyi si mabanki azachuma.

Kupatukana kwa mabanki pamlingo uwu, kunachitika mu 1929 mwalamulo la US pomwe idafunidwa kuti ipewe kugwa kwachuma. Ngakhale ku Europe kulibe lamulo lolekanitsa ndalama, mabanki ambiri amachita izi kuti atetezeke.

Mabanki azachuma, ndi chiyani ndipo amagwira ntchito bwanji?

M'mabanki azachuma, timapeza zinthu zonse zokhudzana ndi tsogolo. Mabanki awa amayang'ana kwambiri makampani komanso anthu ndipo m'mabanki amenewa mutha kupeza njira monga kupeza makampani kapena kuphatikiza kwamawiri. Apa, mutha kulumikizanso malonda azachitetezo pamsika ndikupeza upangiri wabwino kuti mudzayende bwino mtsogolo.

Nkhani yowonjezera:
Kodi banki yosungidwa ndi chiyani?

Kodi mabanki amakampani ndi chiyani ndipo amagwira ntchito bwanji?

M'mabanki ogulitsa, pali makasitomala omwe makamaka makampani. Apa pali zinthu zina zomwe zimathandizira makampani kupanga zochitika zawo. Mitundu yamtunduwu ndi yomwe imakhudzana ndimizere ya ngongole, kuchotsera pamalonjezo, zolipira ndi ndalama kuchokera macheke kapena ma risiti kuti mulipire ntchito.

Mabanki ogula, ndi chiyani ndipo amagwira ntchito bwanji?

M'mabanki ogulitsa, pali anthu. Mabanki amtunduwu ndi omwe timachezera tsiku lililonse komanso komwe tingapezeko ngongole zathu, ngongole zanyumba zogulira nyumba yamaloto athu, kupempha makhadi a kirediti kadi, kupereka kwa chitsimikizo cha ngongole zanyumba kapena ngongole, etc.

Mabanki osungira ndalama, ndi ati ndipo amagwira ntchito bwanji?

Mabungwe osungira ndalama ku Spain ndi mabungwe omwe siopindulitsa. Ngakhale kulibe komwe kuli mabanki osungira pambuyo pamavuto azaka zaposachedwa (chifukwa ambiri adasinthidwa kukhala mabanki), mabungwewa adakhalapo kuti athe kupereka ntchito zachitukuko kwa anthu ndi makampani kuti awapatse mwayi wokhala nawo mabanki osungira.

Kodi mabanki obweza ngongole ndi otani ndipo amagwira ntchito bwanji?

Mitundu yamabanki iyi ndi yotchuka kwambiri pankhani yopereka ngongole kuti mugule malo. Banki iyi imakhudzidwa ndi anthu komanso makampani.

Ku Spain, simungapeze banki ngati iyi, chifukwa ndiotchuka kwambiri ku United States koma sanafalikire, komabe, pali makampani ena ku Spain omwe mutha kupita kukachita izi.

Mabanki azachuma

mabanki aku Spain

Mitundu yamabanki azachuma imadziwika m'makampani osati makamaka pamlingo wa munthu ndi munthu. Mabanki awa ndi omwe amayang'anira kupatsa makampani majekeseni akuluakulu, kuti awathandize kuyambiranso. Mtundu uwu ulibe maofesi otsegulidwa kwa anthu onse.

Mabungwe ovomerezeka a ngongole, ndi ati ndipo amagwira ntchito bwanji?

ndi Mabungwe ovomerezeka a ngongole ndi omwe amayang'anira ntchito ku Spain kudzera ku bungwe lovomerezeka la ngongole. Mitundu yamtunduwu imakhala ndi bizinesi yokhayo yomwe imalumikizana ndi Unduna wa Zachuma. Zina mwazolinga zazikulu zamtunduwu ndi cholinga chokulitsa ndikupatsa kuthekera kokwanira kukonza chuma chopezeka mdziko lonse, komanso magawidwe ake moyenera. Kuti izi zitheke, ikufuna kuwonjezera mitundu yonse yazachuma komanso zikhalidwe, osati kungowonjezera ntchito, komanso kuwonjezera zokopa alendo kumeneko.

ICO ndiye woyang'anira kuthandizira ntchitoyi kuti alowetse ndalama m'makampani ozungulira Spain. Amachita izi kuti makampaniwa azichita mpikisano pakati pawo komanso kuti athandizire patsogolo dziko lonse.

Kuphatikiza apo, nsanjayi imathandizira ndikulimbikitsa makampani kuti azigwirizana kudzera m'mapulogalamu azachuma pakagwa mavuto chifukwa cha masoka achilengedwe kapena mavuto azachuma.

Monga mukuwonera positi iyi, sikophweka kuyandikira banki momwe timaganizira, popeza tiyenera kudziwa zomwe bankiyo ikutipatsa kuti tifunse zomwe tikufuna komanso koposa zonse, kuti aliyense payekha azitithandizira tikufuna kupeza.

Iliyonse ya Mabanki akhazikitsa miyezo yazogulitsa zomwe mungapereke, komabe, nthawi zina komanso kuti mupindule ndi makasitomala ena, amapereka zinthu zomwe sakuyenera 100%. Ngakhale Bank of Spain ikuyesera kuyang'anira zinthu zamtunduwu pazonse, kufunikira kwakuti tidziwitsidwe za zomwe mabanki amtundu uliwonse atha kutipatsa ndi cholinga chake, zimapangitsa mabizinesi athu onse ndi zopempha mkati mwake, kukhala zotetezeka kwambiri.

Ngakhale zili choncho, njira yabwino ndikulankhula ndi banki yathu yodalirika ndi kuwauza zomwe tikufuna kukwaniritsa, nthawi zambiri, mu banki yomweyo ili ndi nthambi zosiyanasiyana ndipo m'mabanki onse nthawi zambiri mumakhala akatswiri kuchokera ku lililonse la iwo kuti tithe pitani kwa iye kukayikira kwamtundu uliwonse.

Nkhani yowonjezera:
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