Commercial bankuna - wani kayan aiki na halitta ko enrichment?

Shãfe a kan bisa manufa ba za a iya gabatar a kan wani guda page daga buga rubutu. Saboda haka, za mu nuna wani Schematic da fragmentary hadin gwiwa-stock kasuwanci banki da waje zuba jari. An shi ko da yaushe cikin bankuna suna tasowa ko sau da yawa kaskanta (da shi da sunan m talla leaflets)? An makomar cibiyoyin sayar mai zaman kansa al'amarin, kuma amma mai saye? Shin data kasance Central Bank ta dubawa na babban jami'in gudanarwa ayyuka na kasuwanci banki?

Quick lighting macroeconomic rawa

Tattalin arzikin duniya da aka mamaye biyu-bene banki tsarin, gangarawa ta tsakiya mallakar gwamnati bankuna. A farko matakin kunshi bankuna - multifunctional jamiái na jihar na tattalin arziki. A karkashin shiryarwar da kuma a cikin hadin gwiwa tare da babban bankin kasar da za'ayi da ayyukan bankuna. Samar kudin (tsabar kudi da kuma noncash). An muhimmanci tattalin arziki aiki na bankuna da ake ba da rancen don kasuwanci da kuma gidaje. Su ne karkashin iko da babban bankin kasar da za'ayi da kudin hira. A wasu kalmomin, bankunan - ne "workhorse" na kudi tsarin, domin su zõ da wani babban rabo daga cikin jimlar tsabar kudi gudanar da ayyuka tattalin arziki, goyon baya da yawa daga asusun na abokan ciniki.

The "bad" kasashen waje management. ya dabarun

Hadin gwiwa da-stock nau'i na kungiyar kasuwanci bankuna sau da yawa ya shafi sayan wani juya kan gungumen azaba da manyan kasashen waje banki hukumomi. Kasuwannin mu, suka zo saboda high amfani rates - babban alama na "cheap" da "tsada" kudi. Our kudi - super-tsada. Our bankunan - a real Klondike ga riba a kan basussuka. Misali a kasuwanci "A" banki da yankuna a cibiyar sadarwa na 500 rassan, ya zama "ya" na waje banki kungiyar. Yadda za a yi la'akari da yiwu barazana ga m banki tsarin? Dauke da fitar da sale, yana da muhimmanci a kafa isasshen management matsayin fanshe dukiya hadaddun.

Bad a lokacin da zari wuce iyawa

Bank - wani m tsarin, da kuma ya kamata a ci gaba da isasshen management. Domin wasu dalilai, bankunan tsakiya yarda ka shiga wani hali merchandising. Wannan shi ne mai matukar muhimmanci. Rashin isassun shiryawa bankunan - wata barazana ga mutuncin da banki tsarin. Ga duk da dabaru ne mai kyau: misali, babban kudin haya. A wannan yanayin, a waje manajan samun duk da cewa ya na bukatar - gajere riba. Amma waje manajoji ba tunani game da mutuncin mu banki tsarin, da kuma su yankin da alhakin zo daidai da lokaci da kwangila. Wannan, ba zato ba tsammani, shi ne na kasa da kasa matsala.

Kada ka manta cewa bankunan - ne manyan ma'aikata, samar da dubban daruruwan kudin iyali. Amma raba da "A" banki ma'aikatan su da aikin yi, da kuma "ya" da aka raunanar da, rasa wani "workhorse" tsakanin rassansa. Kuma a nan a cikin banki "A" a karshen kwata yanka 20 irin ofisoshin. A lokacin da shekara uku na irin wannan aikin kawai rabin ofisoshin zai zauna a cikin mai kyau riba. Ina da babban bankin? Shi ne can wuri mai nĩsa.

Manuniya sana'a gazawarsa management

Wuce kima mayar da hankali a kan gudanar da riba ga kasashen waje Kocin kada ta kasance wani haƙiƙa don rage kyawawa na banki ta tariffs. The manufa wadanda ba worsening rates za a iya quite bargained ga lokacin da sayar da kungiyar. Bayan duk, m bankunan - wani tsarin da cewa asali kamata ba kaskantar da ingancin.

Babban Bankin da kuma jihar ya zama sha'awar a cikin ainihin dalilin da ya sa kwatsam da ajiya a banki sun zama a cikin sha'awa don tunatar halin yanzu asusun da rance sun zama wadanda ba m haƙiƙa. A jihar sikelin da sirri alhakin daga saman management ga tabarbarewar ingancin banki tariffs ya kamata a ci gaba - da dalilin ta kara ci gaba da kuma ãyõyinSa da} arfin "squeezing" kudi albarkatun daga banki, warwarewarsu ta jituwa. Idan management ya jagoranci wani tabarbarewar haƙiƙa yanayin banki "A", shi zai zama ma'ana ga Central Bank da real yin amfani magance halin da ake ciki.

Kammala da labarin, ina so a lura da cewa bankunan - wannan ma'aikata kowace rana da kuma relentlessly wahala da suke sha wuya a yi kudi tsarin na jihar da kuma samun shi raya.