Yasebhange Okuphindaphinda

Banking Okuphindaphinda - ezosetshenziswa ekukhuleni Imininingwane imali supply, okuyinto ku idiphozi akhawunti yebhange sebhizinisi ngasinye ngenxa ukuhamba izimali kusuka ku-akhawunti eyodwa kuya kwenye.

Banking Okuphindaphinda usebenza hhayi kuphela lapho ibhange commercial linikeze izikweletu, kodwa futhi esimweni lapho ephakathi ukuthenga yasebhange kusukela ngamabhange lwemali, amasheya noma nezinye izibambiso. Ngenxa yalokho, kukhona ukwehliswa kwezinsiza amabhange 'atshalwe ukusebenza asebenzayo, nokukhula reserves khulula, abese esetshenziselwa ku-abolekise, okusho iqala yasebhange Okuphindaphinda. Ake sihlole lokhu umqondo kabanzi.

SUMMARY yasebhange Okuphindaphinda indlela futhi kulula kakhulu ukuthola isibonelo esikhethekile. Ake sithi umuntu othile corporation ezithile elikhonza ibhange A sekudayiswe ukuqhutshwa nokuthengiswa ngokusebenzisa kokuzibandakanya we yasebhange MICEX in inani 10 000 deda., Yikuphi kamuva yahunyushelwa akhawunti umlobeli we-Central Bank of the Russian Federation. Ibhange idluliselwe izimali akhawunti yokukhokha Nhlangano (baningi idiphozi). Ngokusho izindinganiso Central Bank, ingxenye nje kuphela yemali ukuze zifakwe ku-akhawunti obukhethekile inqolobane saziso ubuncane. Bacabange ukuthi izinga saziso 4%. Khona-ke inani reserve kuyoba ulingana ruble 400.

Ngakho, ibhange commercial has ekuchithweni kwayo inani ruble 9600., Yikuphi ingasetshenziswa ukuze athole inzuzo. La mathuluzi abizwa ngokuthi ngezinye izikhathi izinqolobane okweqa ngamabhange. Lutho kuvimbela ukusungulwa ukuziqondisa kwenye inkampani loan esebenzisa amasevisi zayo. Ngakho, ibhange zethu kunikeza loan kwenye inkampani in inani ruble 9600. Ngenxa yalo msebenzi, esiqiwini ngokweqile kuyehla kube zero kanye kanyekanye sokungena ekhishwe isamba idiphozi ebhange efanayo. Khona ngosizo inkampani loan kukhokhelwe izinto zokusetshenziswa kanye nenani zidluliselwa ku-akhawunti umphakeli ku B. yasebhange Ngenxa yalokho, it has ngesikhathi ekuchithweni kwayo izimali esibalelwa ruble 9600, 4% zazo (ruble 384) ungaphakathi inqolobane, kanye asele ruble 9216. Bank Yesibili ingase futhi ukuthumela Ikhredithi kunoma iyiphi enye inkampani. Ngakho, kukhona nokwanda imali, futhi loan futhi idiphozi tibalo entsha ekhona zingezwa.

Manje ake sicabangele indlela esingamelana ngayo ukubala Okuphindaphinda yasebhange. Ifomula simiswe ngalendlela lelandzelako:

Kb.m. = M2k.g. (M2k.g. - M0n.g.), lapho

Kb.m. - Coefficient Okuphindaphinda yasebhange;

M2k.g. - inani lemali ekupheleni konyaka komnikazi;

M2n.g. - usayizi supply imali ekuqaleni konyaka inkomba;

M0n.g. - lonke inani cash ekuqaleni konyaka inkomba.

Banking Okuphindaphinda isebenza kuphela uma uhlelo yasebhange inamazinga ezimbili. Isendaweni ibhange wokuqala emaphakathi, olawula indlela. Futhi ezingeni lesibili amabhange ngqo commercial ngokwabo ukuthi uqalise, kungakhathaliseki izifiso zabo. Kulokhu, umphumela okwandisa imali izuzwe inhlangano eyodwa, kodwa kwaso sonke isimiso sezinto yasebhange. Kusobala ukuthi yasebhange izithombe incike ubukhulu zigcine edingekayo. The ephansi rate, ngamabhange ngaphezulu 'izinqolobane khulula, ziyabuya futhi ngaleyo ndlela kwande supply imali.

Banking Okuphindaphinda ongasebenza kolunye uhlangothi. Uma amakhasimende uqale ngobuningi ukuze zikhiphe imali imali, isamba sonke ukubolekisa kuzoncishiswa futhi udumo ziwe supply imali.

Kuyaphawuleka ukuthi phakathi yonke imisebenzi asebenzayo kwamabhange kuphela credit ukutshalwa ungakha ezifakwa entsha, kanjalo lifeze umsebenzi ekushayweni ohlelweni Banking kazwelonke. I emikhulu loan ikhishwa, aba maningi ivolumu inothi daba.