A ra'ayi na "banki tsarin": canza nuna

Abin baƙin ciki, manufar na banki tsarin da inertia ci gaba da danganta wa] annan tare da tattalin arziki a miƙa mulki. Ba haka sauki. External kwanciyar hankali, watakila, akwai kawai biyu-matakin manufa ta yi (lasisi bankunan 'aiki ne kayyade ta Central Bank). Da abun ciki na wannan tsarin, ciki har da aikin 112 daga cikin mafi girma na tsari bankuna, yanzu tsaye a kan dokin gagarumin garambawul.

Duk da ya fi karfinsu kintace ga shekara ta 2013 alaka da rage a rancen kundin, rayayye masu tasowa a sabon dabarun. Saboda haka, manufar "banki tsarin" a yau ba ƙarama bace. Zai canza ta kayan aikin. A mi} a mulki model ya m kanta. Da banki tsarin a matsayin bangaren na kasa tattalin arzikin, ya tafi a kan layi don daidaita tattalin arzikin kasar. Wannan yana nufin hukuma sanarwa na kasar nasarori a cikin farkon rabin shekarar 2007, tattalin arziki da matakin na shekara ta 1990

A halin yanzu mataki, shi ya zama mai mishan bada liquidity cikin masana'antu kansu. A bukatar canza ra'ayi da kuma abubuwa na banki tsarin ne bayyananne. ãdalci zuba jari a m fasahar unshe, a cikin zaman jama'a manufa na bankuna. An ƙarfafa cewa matakai a cikin wannan shugabanci an riga an yi. Cin Nasara da "vicious da'irar" na m monetary kusance, iyakance m samar, canza da manufofin kudi. A ra'ayi na "banki tsarin" nan da sannu zã a canza da wani sabon tsarin ba da "core kudi" bangaren 5.5% a yau. Don kwatanta, aiki refinansirovniya rate - 8,25%. Sassan hulda da sabon kudi na kasa tattalin arzikin da ake ci gaba.

A daidai wannan lokaci muna shaida da "deliberizatsii" t. E. Kara jihar hannu a cikin bankuna. Evidence da wannan - fitowan na birni bankuna.

Zai yiwu ci gaban da nasa tarihin ga m banki tsarin iya zama a matsayin da kasar Sin ta bankuna. Mu kusa ga wannan model, kamar adadin da jihar-sarrafawa banki babban birnin kasar - game da 60%. The ma'anar ne bayyananne. Domin shawo kan rikicin na tattalin arzikin lagging bukatar kwarewa sassauta ban sha'awa rates, ƙananan farashin for rance, "taushi" monetary tsari. China kaifin sakamakon: da kudi na girma zuwa 2006 - 9.5%, kuma ko da a yanzu, a tsakiyan da duniya rikicin, "sama-high" for Western kasuwanci - 8%. Modernized manufar "banki tsarin" na mu gabashin makwabcin dogara ne a kan dokoki biyu. Farko, da wata-tsare da kuma kaddamarda jama'a kansu banki tsarin. Yana dogara ne a kan 4 jihar bankuna (Bank of China, Industrial da kuma Commercial, bankin gine-gine, aikin gona Bank). Na biyu, "kasuwar" na da aka gyara, da aka ba "gina a kan kango na" jama'a da kuma jituwa halitta a Bugu da kari ga na farko. Kuma cancanci da hankali ba "nasara", da kuma juyin karfafawa daga kasuwar cibiyoyin.

Yana da muhimmanci cewa a halin yanzu da Rasha babban bankin ya fara nuna sanyata matsayi na jihar dangane da fitarwa na Rasha babban birnin kasar.

Yana bayyana bukatar cire kuskure a nuna gaskiya da m kudin tsari. Daya yana da kawai tuna "ba zato ba tsammani gani" fita Sergeem Ignatevym doka outflow na babban birnin kasar a cikin shekara da ta gabata maki 48-49 biliyan. Dollars. Sau biyu da adadin (kiyasta jami'an tilasta bin dokoki, da Interpol) ya ɓõye "farashin" makircinsu outflow fitarwa-shigo!

More kuma mafi hankali ne kõma zuwa ga ayyuka na " 'ya'ya mata" na waje bankuna. Tarurrukan mabukaci bashi a cikin shekara da ta gabata - su kashi. The adadin da waje babban birnin kasar a karkashin m kasuwar yanayi ya tashi a watan Afrilu na shekarar 2012 zuwa 31%!

Gaskiyar cewa "kasashen waje bankuna" don taimaka jihar, bauta da wurare dabam dabam na kudi, babu shakka. Duk da haka, a yau ta "ya" quite m ne net bashi na Rasha kasuwa, don magance matsalar da "irin" na iyaye Yammacin Tsarin, stimulating da outflow na babban birnin kasar ta hanyar rance ga wadanda ba mazauna. Kamar yadda ka gani, manufar "banki tsarin" da aka Ƙirgar da wannan outflow.

Duk na sama dalilai da "jirgin" na babban birnin kasar ya sanar, ba shakka, ba a banza. Babu shakka cewa tare da karshen na tsaka lokaci da kuma samuwar daga cikin manyan 'yan wasa a kasuwa kawai "shi ne lokaci zuwa" tsanani magance wannan rata. Duk da haka, mun san cewa shi ya ba Yunƙurin zuwa wannan negativity. Artificially sanya "tare da wani nauyi hannunka" Navy canje-canje ga dokar tarayya a kan kudin tsari zahiri bude kofa ga kasuwar to kudin speculators da kuma untied hannun laifi babban birnin kasar.

Kammala, mun lura cewa kamfanin yana fatan high ga yin gyare-gyare cikin gida da banki tsarin.