Umsebenzi Banking: essence yayo nezimiso eziyisisekelo

umthetho yamanje akayinekezi definition esicacile "yasebhange". Nokho, kumele kuphetfwe ukuthi imisebenzi eyenziwa amabhange nezinye izikhungo esikweletu sihlanganisa lonke spectrum imisebenzi yabo.

Ukuthuthukiswa okukhulu kunakho konke yasebhange yazuza emva kugucukela emnotfweni emakethe, ngoba ngalesi sikhathi waqala ukwakha ngamabhange. ithiyori kwezomnotho Modern ima kwelokuthi bobabili ibhange kuphela ukuba inhlangano ekhonjiwe, okuyinto has imisebenzi emithathu eyisisekelo: Ukukhishwa ukubolekisa, idiphozi ethatha kusetshenziswa kwenkokhelo ukuthengiselana amakhasimende abo. Nokho, ngaphezu imisebenzi eyisisekelo, isikhungo abolekise unelungelo lokuthathwa njengomsulwa zinikeze amanye amasevisi, isibonelo, ukuze afeze imisebenzi izibambiso emakethe, ukweluleka amaklayenti nokunye.

umsebenzi Banking kuhilela ukuqaliswa exchange imisebenzi, uqinisekisa amakhasimende unqambothi, ukuvulwa kanye nokuvala akhawunti ahlukahlukene, ukunikeza izimali ezibolekiwe, ukubolekisa nokubonga, kanye ukhulisa izimali ku idiphozi akhawunti ye abantu yemvelo kanye zomthetho. Kwezinye izimo, ababolekisi ngamasevisi ezifana Leasing noma ukuqasha.

Lemisebenti yasebhange lesikhungo ngamunye iqala ukuthola incwadi yomshado, okuyinto ekhishwe yasebhange central. The National Bank eliqondisa umsebenzi izinkampani kwezinye amazinga izinhlelo zamabhange ngokusebenzisa ukusungulwa kwezinkambiso nemigomo, lapho zonke zokuthenga ngesikweletu. Ukuze uthole ilayisense ebhange kumele zisebenze ngemva kokucabangela okuyinto enquma ukuthi ukukhipha ilayisensi. Njenganoma iyiphi inhlangano kwezomnotho, ibhange kumele kube enhlokodolobha ogunyaziwe, kwakhiwa kusukela iminikelo bamasheya.

imisebenzi Banking of credit izikhungo ezisebenza ngokungenzi inzuzo, njengoba injongo eyinhloko inike inzuzo kanye nokukhulisa yayo. Kodwa ibhange central ngokugxila yonke imizamo yabo ekuthuthukiseni isimo somnotho, ekuqiniseni uhlelo lwemali kazwelonke, ukuze silondoloze exchange rate yayo ezingeni oyifunayo. Ngaphezu kwalokho, ukuthi ukwenza ngaphandle kokuhlela ukukhiqizwa imali ejikelezayo, futhi ngenxa yalokho, elawula ukunikezelwa imali. Ibhange emaphakathi uzama ukufeza umgomo evezwe komgomo wokuboleka amabhange ngezimali isimo.

Izimiso eyinhloko yomsebenzi yasebhange zihlanganisa amalayisense ayimpoqo wesikweletu naleyo nhlangano. Uma usebenza ngaphandle kwemvume, lo msebenzi ngeke nilenze. Hhayi ukuba ilayisensi, inhlangano kwezomnotho unelungelo ukuqhubeka nokusebenza. ebhange ngamunye usebenza ngesisekelo self-ngezimali kanye nokwaneliswa, ngakho-ke, inhlangano ezimele. Ngiphakathi uhulumeni noma ebhange central akakwazi ukungenela ezindabeni lesikhungo credit ngaphandle kwezimo eyayifunwa nomthetho wamanje. Njengoba kushiwo ngenhla, ibhange central abeka kuyo izindinganiso ezithile kuphela ukuze silondoloze solvency ngayinye inhlangano kwezomnotho.

yasebhange Commercial inelungelo lokunquma kokukhipha imali ngaphandle kwenzalo ukuze iklayenti noma wenqabe. Akekho okufanele lithonye ezinqumweni zawo noma inselelo-ke. Ngokufanayo, imikhiqizo yasebhange umthengi angase ngokubona kwayo ukhethe isikhungo credit, lowenetisa izidingo zawo. Ngokusho izimiso Banking, abasebenzi asebhange akazange Unelungelo ukudalula ulwazi imfihlo yokuhweba, kanye ulwazi mayelana ikhasimende noma imali yayo notshwala.