Indawo yeBhanki yotyalo-mali yenye yokudibanisa ukuhanjiswa kweenkampani ezinkulu, iimali zeziseko zophuhliso, iimali ezizimeleyo, amaziko emali, imali eyinkunzi, abanikezeli bakarhulumente kunye neebhanki, kunye Ukudityaniswa kunye namaqela okufumana kunye neemarike ezinkulu.
Utyalo-mali okanye ibhanki yeshishini, Inoxanduva lokufumana imali yokuxhasa iiprojekthi ezithile zotyalo-mali lwehlabathi kubathengi abayicelayo, ngokukhutshwa kunye nokuthengiswa kwezikhutshelo zengeniso ezingaguqukiyo kwiimarike ezinkulu. Utyalomali lwebhanki lukwabonelela ngokwahlukileyo Iindidi zeengcebiso kuzo zonke iinkqubo zokudibanisa inkampani kunye namalungelo efanayo, ekufumaneni inkampani enye kwenye, kunye nolunye uhlengahlengiso lwezezimali.
Iibhanki zotyalo mali eMelika, bajolise ikakhulu kurhwebo kunye nasekunikezelweni kwezokhuseleko, ezinje ngestokhwe, kwaye abazamkeli ngqo iidiphozithi ezivela kuluntu okanye banike nayiphi na ikhredithi. Kananjalo, e-UK, Iibhanki zoRhwebo zenza umsebenzi ofanayo, kodwa, ngokungafaniyo neebhanki zotyalo-mali eMelika, IiBhanki zoRhwebo ziqhuba imisebenzi yebhanki yesiko, ukwamkela iidiphozithi ezivela kubathengi abaqhelekileyo kwaye ubanike imali mboleko kunye nezinye iinkonzo.
Apha eSpain, intengiso yebhanki yotyalo mali ngokwesiko ilawulwa zizinto zangaphandle, ngokubanzi iUnited States.
Ezinye zeenkonzo ezinikezelwa ngu utyalo-mali lwebhanki
Ukunyusa inkunzi: Phakathi kwayo kukho imisebenzi yokuBhala phantsi, eyikukhutshwa kunye nokubekwa kwezabelo zabucala zengeniso esisigxina, iProjekthi yezezimali, eyimali yezemali yeeprojekthi, ukuxhasa ngezimali impilo yoluntu kunye neeprojekhthi zokulawula ungcoliseko, intengiso yesibini yemali mboleko, ukudala nokubhaliswa kweenkampani, Imali eyinkunzi, uphuhliso lweeprojekthi zolwakhiwo kunye nokuxhaswa ngemali kweentlobo ezahlukeneyo zezixhobo zendalo.
Ulawulo lweNkunzi luyenziwa kwakhona: Kukulawula ipotifoliyo yezabelo ezigcinwe yimali yepenshini, itrasti, iimali zikarhulumente kunye notyalo-mali lomntu ngamnye, izicwangciso zotyalo-mali, ulawulo lweefama.
Iingcebiso kwezobungcali
- Ukhuseleko, ukulawulwa kwezabelo kwimarike yemasheya, amaphepha emali engenayo kunye nezinto onokukhetha ukuzenza ukulungiselela ubuchule bokumisela kunye nokulawula ipotifoliyo yakho.
- Ukuphuhliswa kwenkampani, njengokuthengwa komnye nomnye, ukudibana phakathi kwabo, izicwangciso zokudibanisa, ukucwangciswa kwembono yezemali kunye nezifundo zentengiso.
- Iingcebiso zotyalo mali, izibonelelo zerhafu kucwangciso lwezemali.
njengeeasethi zakho. - Imali kunye neemarike ezinkulu
- Ukurhweba ngezabelo eziqhelekileyo, izabelo ezikhethiweyo kunye nohlobo lohlobo lweebhondi
- Uthethwano ngeBond.
Kukho intengiselwano kunye nezixhobo zemali onokuzisebenzisa ukufumana izixhobo ozifunayo. Ukukhethwa kwezi zixhobo kuxhomekeke kwiimfuno ezithile ngokubhekisele kwinkunzi, isixa kunye nexesha lotyalo-mali olufunekayo, ukusebenza kunye nobume bezomthetho benkampani okanye iprojekthi eyonyuselweyo, umdla wabenzi-zicelo kunye nezinye izinto ezininzi ezinefuthe kukhetho lwe intengiselwano eyiyo yakho. Ke ngoko, Iinkonzo ezinikezelwa yi-Investment Banking ziyilelwe ukuphendula
iimfuno ezithile ezithile zemali.
Ezinye zezi nkonzo ze Banking Investment
- Ukuxhasa ngezimali iiprojekthi ezintsha
- Uqingqo-mali lweenkampani
- Ukukhutshwa koKhuseleko
- Uhlengahlengiso lwezezimali kwinkampani
- Umdibaniso kunye nokuFunyanwa kweeNkampani
- Ulungelelwaniso lwemali mboleko
Ngolwazi oluchazwe ngaphambili, kunokubonwa ukuba Utyalo-mali lweBhanki alusebenzi njengomlamli phakathi komtyali mali kunye nenkampani, Endaweni yoko, yiarhente eyaziwayo eyadala ubume obukhoyo kubudlelwane bezorhwebo kwaye ivumela intengiselwano ukuba yenziwe okanye ukufunyanwa kwemali eyinkunzi.
Kutheni iSpain ifuna iBhanki yotyalo-mali?
Utyalomali yinjini yenkqubela phambili kuqoqosho lwelizwe, ukuya kuthi ga kwinqanaba apho ivumela iinkampani ukuba zenze iiprojekthi ezinkulu ukuqhubeka nokukhula kwazo kunye nokudityaniswa okuqinileyo kwintengiso, emva koko, utyalo-mali luvelisa isixa esikhulu semithombo ukuze uRhulumente enze utyalo-mali oluninzi olonyusa ukhuphiswano lwelizwe, njengoko ngokunjalo intlalontle yoluntu. Ngale ndlela, iBhanki yotyalo-mali ikhuthaza ukuhamba kwemali ezahlukeneyo kunye nezixhobo kwiinkampani, kunye nokwenza igalelo kuphuhliso lwamashishini eli lizwe kunye nenkqubela phambili kwezentlalo nezoqoqosho.
Ukubhankisha kwezorhwebo yeyona nto ithandwa kakhulu ngabemiYiyo le nto yenziwe ngamasebe ebhanki aqhelekileyo. Owona msebenzi uphambili kwezi, ubandakanya ukuhlawulela imali ebekwa ngabaxumi babo kunye nokuhlawulisa iikhredithi abazinika abantu. Umahluko phakathi kwento oyibizayo yonke imihla kunye nento oyihlawulayo kufuneka ube uqinisekileyo, njengoko oku kuyinzuzo yakho ephambili.
Kule ihlala yongezwa enye uhlobo lwentengiselwano ezinje ngamakhadi etyala, ukugqithiselwa kwemali eyinkunzi, iziqinisekiso, izicwangciso zepenshini, iikhomishini zemali yotyalo-mali, iingcebiso kwimarike yemasheya, phakathi kwezinye izinto.
Utyalomali lwebhanki endaweni yale nto sele ikhankanyiwe, ikakhulu lubekelwe ukukhupha iinkampani I-Stock Exchange, idibanisa iinkampani, uyilo kunye nokwenza i-OPA's, Uthengisa izahlulo phakathi kweenkampani, ukhupha imixokelelwane, wenza imisebenzi yorhwebo kwiimarike zemali zeemali ezinkulu kakhulu, phakathi kwezinye izinto ezininzi. Ayinayo inethiwekhi enkulu yamasebe, kodwa igxila kwimisebenzi yayo kwiiofisi ezimbalwa ezinkulu, ukulungiselela iinkqubo kunye neenkqubo.
Utyalomali lwebhanki
Izibonelelo ezinikezelwa yibhanki yezorhwebo zizinzile, oko kukuthi, ziyahluka kakhulu. Kunzima kakhulu kwibhanki yezorhwebo ukuya kwilahleko ngaphandle kokuba kukho ingxaki yezoqoqosho kwihlabathi liphela. Ukuba kwilizwe iibhanki zorhwebo ziqala ukuphulukana nemali, kukho ingxaki epheleleyo.
Kunoko, Izibonelelo ezibonelelwa yibhanki yotyalo-mali ziyahluka ngakumbi. Ngamaxesha achumileyo ezoqoqosho, utyalo-mali ebhankini luthanda ukufumana imali eninzi kunaleyo iveliswa yibhanki yezorhwebo, kodwa kwiindawo ezithile ezinciphayo, utyalo-mali lwebhanki lotyalo-mali luye luthande ukwehla okukhulu kwinzuzo yalo kwaye lide lingene nelahleko.
Xa utyalomali ebhankini ukwimeko yelahlekoOko akuthethi ukuba ilizwe litshonile okanye lisengxakini. Oku kuqhelekile ngamaxesha okwehla kokuhamba koqoqosho kwiimarike zehlabathi.
Gcina imali kwiBanco, umzekelo, yahluke ngokupheleleyo kutyalo-mali kwi-Merrill Lynch, nangona zaziwa njengeebhanki. E-Spain azikho zininzi iibhanki zotyalo mali. Ezinye iibhanki ezinkulu zaseSpain, ezinjengeSantander kunye neBBVA, zinamacandelo azinikezelwe kwibhanki yotyalo-mali, kodwa zincinci ngobukhulu ngokuthelekiswa nokuphelela kokusebenza kunye nokwahlula ezibhanki zinako.
Kwakhona, Uhlobo lwebhanki yotyalo-mali eyenziwayo, inobungozi obuncinci kwaye ingaphantsi komjikelo kunaleyo yeebhanki zotyalo-mali eMelika. Kungenxa yoko le nto izikhundla zokurhweba ezigcinwe ziibhanki zaseSpain zinomngcipheko ophantsi kakhulu xa kuthelekiswa nezo zeebhanki zaseMelika.
Umtyalomali kufuneka acinge ngobuqili kwiibhanki zorhwebo kunye neebhanki zotyalo-mali njengeentlobo ezimbini ezahlukeneyo zeenkampani eziluncedo kwezemali, kunye nokwazi ukusebenzisa ezi ziphumo zoqoqosho olomeleleyo.
- EzeMali ze-GBS ngumzekelo webhanki yotyalo-mali eyasekwa ngo-1991 nangaphezulu kweminyaka engama-25 yamava, i-GBS Finanzas ineendawo ezimbini eziphambili zomsebenzi wezemali:
- Iimali zoMdibaniso: Okubandakanya yonke into enxulumene nokudityaniswa kwenkampani, ukuthengwa kwezinto ezingafunekiyo, iimarike ezinkulu kunye neengcebiso zamatyala.Iofisi yosapho: Ujongene neengcebiso ezibanzi kumhlaba omkhulu.
Amaqabane e-GBS kunye nenxalenye enkulu yoochwephesha abasebenza apho, banamava abanzi kumaziko aphesheya, kwinqanaba lokuqala njenge-First Boston, Goldman Sachs, Credit Suisse, UBS Warburg, Deutsche Bank, Bank of America, nakwiifemu zomthetho eziphambili kunye nophicotho zincwadi.
Kwinqanaba lezeMali eziHlanganisiweyo, kukho iinkonzo ezahlukeneyo
- Uhlengahlengiso lwezabelo zenkampani
- Ukusebenza okuxhuzuliweyo okunje ngee-LBOs, ii-MBOs, ii-MBIs, njl.
- Ukugxothwa kunye nokufunyanwa kweenkampani
- Ukudibana okanye ukudityaniswa kwezabelo zeshishini
IINKONZO ZAMATYALA:
Baxhasa ngengcebiso kunye nothethathethwano ngezisombululo kwimali ezimeleyo yokusebenza kwequmrhu:
- Ukuhlawulwa kwakhona kwemali mboleko
- Ukuthengwa kwemali
- Imali mboleko ngqo
- Imali ephambili
- Ukubekwa ngasese
KWIZIKO LENTSHONA KOLONI:
- Ukukhuselwa kweebhidi ezithathwayo
- Izimvo zobulungisa
- Ukulungiselela iinkampani ukuba ziye esidlangalaleni (pre-IPO)
- Ukunyuka kwemali
IINGCEBISO NGOBUCHULE
Uhlengahlengiso lweshishini kunye nemanyano lobuchule:
Inxalenye ebalulekileyo yazo zonke iinkampani zaseSpain okwangoku Kuluhlu lweNtengiso yeStock ngabathengi be-GBS Finanzas abanjengoTelefonica, iGamesa, iAlmirall, iRepsol, iEndesa, iIberdrola, iAberis, iEbro Foods, iOHL, iSacyr, iACS, iIndra, Inmobiliaria Colonial, njl.
El Inkxaso kunye nemodeli yengcebiso ethi i-GBS Finanzas ibize iOfisi yoSapho icacile, ilula, iyabonakala kwaye ibanzi. Ngokusisiseko, into efunekayo kukugcina ikapitali yomtyali-mali kunye nokwakha ubume botyalo-mali lwabo nokuba leliphi na ilizwe elibekwe kulo imali yabo.