Chii chinonzi bhangi rekuchengetedza

  chii chinonzi bank reserve

Iyo yebhangi inochengeterwa uye nemabasa ayo

Paunotaura nezve bhengi yakachengetedzwa yenyikaTiri kutaura nezve muzana yezvigadzirwa zvaro izvo zvinofanirwa kuchengetwa zvakaomeswa kuti zvitambwe neruzhinji. Mukati mehupfumi tinogona kuratidza izvi sezvinoitwa nebhanga guru nemari; Kana bhanga repakati richishandisa sosi, rinozviitira kuitira kuti riwedzere kana kudzikisa huwandu hwemari yakachengetwa mukati menyika.

High lace

Paunenge uine mhando yetambo ine tsika yekusimuka, masangano enyika, anotanga kuve mashoma zviwanikwa zvekukweretesa kana zvikwereti zverudzi rupi zvaro; Izvi zvinoreva kuti iyo nhamba yekuchengetedza inofanirwa kuve yakakura.

Nenzira iyi, ICentral Bank inogona kuvimbisa kuti mabhanga anotongwa nehurongwa uhu uye ivo vanoteerera zviyero zvakaratidzirwa kwavari; ivo vanogara vaine mari yakakwana yekukwanisa kukweretesa pazvinodiwa.

Iyi sisitimu inoshandiswa chii?

lace rebhangi

Iyo system inobata nayo unganidza mari kuti ugone kuikweretesa gare gare uye zvinoenderana nekufungidzira kwemusika. Kana yangounganidza mari, bhangi rinofanirwa kuchengeta chikamu chidiki uye rimwe rinoshandisa kuti mari ienderere, chikamu chidiki icho chakachengetwa nebhangi ndiyo inochengeterwa bhangi.

Muenzaniso weizvi ndizvo zvinotevera

Saka kuti uzvinzwisise zvirinani, isu tiri kuzopa muenzaniso wakapusa. Bhengi rinotora mutengi anovhura account nemiriyoni imwe maeuro. Pamamiriyoni ema euro, bhanga richashandisa chikamu kuti rikwanise kuisa mari; asi haugone kushandisa iyo yakazara miriyoni saka chinhu chine hutano chingave kuchengetedza 150.000 euros yebhangi yakachengetwa.

Mhando dze lace

Mukati me lace, pane zvakasiyana mhando dze lace. Izvo zvakanyanya kugadziriswa chigadzirwa chemari, iyo inowedzera yakachengetedzwa inodiwa; nekuti izvo zvinoreva kuti panguva ipi neipi munhu wacho anogona kukumbira mari kubhangi uye inofanira kupindura.

Iyi ndiyo imwe yezviitiko zvakajairika mukutarisa maakaundi, sezvo munhu wacho achifanira kuve nemari iyoyo chero nguva kuitira kuti aishandise pakubhadhara kwavo kwezuva nezuva uye bhangi rinofanira kuvapa pavanenge vachirida.

Mazhinji mabhangi anosarudza kusashandisa iyo mari kubva pakuongorora maakaundi kudyara uye havabhadhari chikwereti chemhando idzi dzeakaunzi, sezvo iri mari yavanotadza kushanda nayo uye haugone kuirasa.

When tambo yebhenji yakadzika kwazvoIzvi zvinogona kutungamira mukusavimbika mune munhu anoisa mari yavo ipapo, sezvo paine mukana wakakura wekuti ivo havazokwanisi kudzoserwa mari yavo.

Sei bhangi risingakwanise kudzosera mari yangu?

kuchengetera kubhengi uye kubhengi

Izvi hazvisi zvakajairika, kunyanya mumaakaunzi azvino sezvatakataura pamusoro. Nekudaro, ngatifungei kuti bhangi rine rakachengeterwa bhengi zvakanyanya uye rinotanga kuisa mari yese yevatengi varo. Vanhu vakaisa mari yavo ipapo, vanoda kudzoreredzwa mari yavo, zvisinei hazvo bhanga harigone kuvapa kunyangwe richiida, nekuti mari iyoyo yakashandiswa kuita mari uye haina kuwanikwa. Dai bhanga iri raive nenzvimbo yakachengetedzwa yakawanda, izvi hazvaizoitika sezvo zvaizove nemari yakakwana yekupa mari kune vanhu vanoibvunza panguva iyoyo vozosara neimwe mari.

Nekudaro, kana iri nguva ye nyonganiso yemari uye vanhu vese vanoda kutora mari yavo panguva imwe chete, ingangopinda mukudonha kwebhangi mune iyo yakati bhanga haizove neyakagadziriswa solvency yekupa mari kune vese vanhu vanoida uye panguva ino, kununurwa kwehupfumi kwebhanga repakati kana kubatanidzwa kwebhanga rakati rine hombe kwaizopinda, kunyange sarudzo yechipiri inosanganisira yakareba zvikuru uye inoitika chete kana mabhangi abhuroka.

Ndiani ari pamusoro pekumisikidza chinodiwa chekuchengetedza

Iyo yepakati bhangi iri mukutarisira kwekupa chinodiwa chekuchengetedza kune rimwe bhangi. Rakanzi central bank rine simba rekuzviita mumasangano eruzhinji kana chero rudzi rweyakazvimiririra.

Ndeipi muzana yemadhipoiti inofanirwa kuve iine yeayo akachengeterwa akaisirwa neCentral Bank

Kukodzera kwenzvimbo yeruzhinji hakuna kufanana neyakavanzika nzvimbo.

Kune vega masangano, panofanirwa kuve nechengetedzo imwechete ye2% yeiyo yakazara kana zvasvika kune

china bhangi resi

1. Deposits uye mari
2. Dziviriro yakanyoreswa mumusika wemasheya

Kana zvasvika pa masangano ehurumende, izvo zvakagadzwa inongova imwe yekuchengetera ye4% yechero mhando yekutsvaga mari kana dhipoziti inoitwa, kuwedzera kune kuchengetedzeka kwakanyoreswa mukati memusika wemasheya.

Ndeipi mirairo iyo inofanirwa kuteverwa kana chiitiko chekumisa mvura chikaitika

Kana iwo masangano ari muchiitiko chekumisa mvura, ivo havana chero rudzi rwechisungo kana zvasvika pakusangana nezvinodiwa zvekuchengetedza, nekuti hapana kuteererwa kwerudzi urwu kuchadikanwa.

When account inodiwa yekuchengetedza iri mune imwe institution iri mubhanga repakati, sezvo ichifanira kusimbiswa

Mumasangano akazvimirira. Iwe unofanirwa kuve ne100% mumaeuros uye kuti ese akazvimirira masangano munzvimbo iyoyo ane account neiyo central bank.

Iwe unofanirwa kuve unosvika makumi manomwe neshanu ekubhadharwa kwezvigadzirwa zvemari zvakapihwa kuburikidza nepakati pebhangi munguva isingasviki gore rimwe.
Mumasangano eruzhinji. Iwe unofanirwa kuve neinenge 05% yemari zvisinei kuti chii chakasimbiswa munzvimbo dzinochengeterwa mvura.
Mune iyo chikamu chinosara kusvika iyo 4% inofanirwa kuve nemasangano ehurumende yapera, ichave yezvivigiro zvekuchengetedza mari zvakapihwa nebhanga repakati nekubhadharwa kusingasviki gore rimwe.

Mabhengi anochengetedza anonyatsoita sei zvichibva pamitemo yebhangi repakati

CHINESE BANKS Lace

Kana yatanga kukwira yakachengetwa, huwandu hukuru hwezvinhu hunotanga kuve nendangariro shoma kuti ugone kupa zvikwereti kana zvikwereti kune vanhu vanozvida. Izvi zvinoreva kuti masangano aya anofanirwa kusiya yakachengeterwa mari kuti akwanise kuvhara mari yavo nezvikwereti panguva ino. Kana izvi zvikaitika, pane mari shoma shoma yekukweretesa vanhu uye yakawanda mari shoma inotenderera, zvichikonzera kudzikira kwemari.

Panguva iyo iyo bhanga repakati rinodzikisa yakachengetwa inodiwa muzana, iwo mabhanga zvakare ave nehupfumi solvency uye achivatendera kuti vape zvakare zvikwereti kumakambani nemabhangi nyika yese. Izvi zvinoita kuti vanhu vatange kuve nemari yepamusoro kwazvo yekukweretesa uye huwandu hwemari inogadzirwa inotanga kuyerera.

Mune ino graph unogona kuona zvirinani zvirinani zvatinoreva

Mukati meCentral Bank, pfungwa dzinotevera dzinoonekwa kuti masangano ese anofanirwa kutevedzera

1- Iwe unofanirwa kuona kuti ndeapi mashoma mari inochengeterwa chimbadzo iri mukati mezviri pamutemo uye ndeapi mareti akachengetedzwa anofanirwa kuiswa.
2- Inofanirwa kudzorwa kuti mabhengi ese nemasangano anotevedzera mhando yezvichengeterwa zvinodiwa uye kana zvikasaita, bhanga repakati rinogona kumisikidza masisitimu asiri mukati memutemo.
3- Central Bank inoona kuti ndedzipi nguva dzekuchengetedza dzinofanirwa kuzadzikiswa uye dzinoona kuti munhu wese anoitevedzera.
4- Central Bank ndiyo inosarudza kuti ndezvipi zvinosungirwa kuti rimwe nerimwe remabhangi riite kana ichitanga chinodiwa chekuchengetedza.
5- Inosimudza inova iyo kuverenga kwekushandisa resi uye zvakare inodzidzisa nzira.
6- Ipa odha pane iwo mapoinzi anofanirwa kuve nemushumo kana uchipa izvo zvataurwa.
7- Inoburitsa zvimiro zvakajairwa kuti chiyero chinofanirwa kuve nezvedanho rezvematongerwo enyika.

Ndezvipi zvakakonzerwa nezvakachengetedzwa zvinotarisirwa neCentral Bank

1. Mari dzakapihwa vatengi mune rimwe nerimwe remabhangi dzinodzorwa zvirinani uye nekuchengetedza kwakanyanya.
2. Pane huwandu hwakawanda hwemari.
3. Icho chimwe chezvishandiso zvakanakisa zvekutonga mari yenyika.
4. Izvo zvinokwanisika kudzora uko kuri kuwedzera kwezvikwereti mune yega mogeji.
5. Misiyano mumitengo inogona kutanga kushandisa
6. Inogona kukanganisa matura enyika kana kutonga kwakanaka kusingaitwe
7. Inogona kuisa nyika panjodzi kana zvido zvekuchengetedza zvisakachengetedzwa nemazvo.

Nyaya inoenderana:
Mhando dzeMabhangi nemabasa avo akasiyana

Izvo zviri muchinyorwa zvinoomerera pamisimboti yedu ye tsika dzekunyora. Kuti utaure chikanganiso tinya pano.

Iva wekutanga kutaura

Siya yako yekutaura

Your kero e havazobvumirwi ichibudiswa.

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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako

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