Refinancing - wannan shi ne tushen tsari na monetary kuma bashi kasuwar

Daya daga cikin mafi muhimmanci Manuniya na banki liquidity ne a jihar ta albarkatu. A babban matakin da wannan nuna alama yana nufin cewa kudi ma'aikata ne iya biya ta wajibobi, duka biyu halin yanzu da kuma nan gaba lokaci. Lokacin da liquidity, ya kuma inganta solvency na banki da dama, ya kamata ka sabunta. Wannan yana nufin cewa jihar ta Central Bank kamata ware ƙarin kudi a tare da sha'awar zuba jari.

Muhimmai daga Financial System Stability

A haƙiƙa na wani babban bankin - shi ne lokacin da za a lura da rata a lokaci a cikin banki ta liquidity, bincika shi kuma, idan ya cancanta, to sãmi kashe shi. Refinancing - An wani tsari da ba ka damar:

1. Tabbatar da ci gaba na biya a kasar tattalin arzikin a kudi na tabbatar da liquidity kowane mutum banki.
2. Don saka idanu da halin da ake ciki a kan monetary kasuwar ta kafa amfani rates.

Duk da haka, yana da muhimmanci a fahimci cewa refinancing - wannan ba wani m tushen ƙarin kudi ga cibiyoyin kudin. Babban Bankin shi ne ba su da sha'awar su goyi bayan firgita kudi ma'aikata akai-akai. Saboda haka, wani banki dole ne neman tada ƙarin kudi sabon abokan ciniki da kuma masu hannun jeri.

Ka'idodi na da kyau refinancing

Don tabbatar da zaman lafiyar na monetary tsarin na Jihar Central Bank a cikin arziki na ƙarin kudi zuwa wasu kudi cibiyoyin kamata a shiryar da wadannan kayan abinci:

• A qaddara iyaka da rance.
• Refinancing na bankuna ya zama daidai da soma monetary siyasa.
• Yana bukatar kudi ma'aikata dole ne ba da bashin da babban bankin, kuma ya iya a nan gaba biya aro.
• Availability na dogara arziki na ƙarin kudi.
• A daidai size na aro m zuwa tamanin da tabbaci.
• A refinancing kudi ba zai iya zama m fiye da rangwame.

iri rance

Refinancing - wannan shi ne na karshe damar domin mafi bankuna. The Bank of roko a lokacin da duk sauran hanyoyi na jawo free kudi da aka ƙãre, kuma bashi to abokan ciniki har yanzu. Akwai biyu na asali iri rance: kullum da kuma takamaiman. A farko ne m kudi kida ana amfani da su wajen saka idanu da halin da ake ciki a cikin kudi kasuwa. Specific credits an yi amfani da halin da ake ciki tare da rashin liquidity a wasu bankuna. Central Bank ga tsara da kasuwar iya zama amfani repos da swaps.

Ginshikai na aiki

Refinancing - wannan shi ne wani tsari wanda shi ne kamar haka:

1. A banki yana da matsala da solvency.
2. CB na nazarin halin da ake ciki da kuma sa a yanke shawara kyauta a matsayin aro, misali, wata $ 10 miliyan a kowace shekara.
3. Commercial banki ya ba da kudi a bashi zuwa ga abokan ciniki a karkashin wata babbar yawan fiye da refinancing kudi.
4. Bayan karewa ta kõma miliyan 10 tare da Bankin premium.
5. Sakamakon daga wannan aiki ana reallocated kudi da kuma inganta banki ta solvency.

CB ba ya aiki kai tsaye tare da yawan jama'a, kamar yadda a cikin wannan hali zai yi wajen saka idanu da miliyoyin kananan bashi. Saboda haka, bankuna aiki a matsayin shamaki tsakanin su da talakawa mutane.

refinancing rate

Bisa ga dokar tarayya "A Babban Bankin na Rasha Federation", Babban Bankin zai iya samar da ƙarin kudi ga wani lokaci na repayable bashi cibiyoyin warware su liquidity matsaloli. A refinancing rate - ne kayan aiki ta hanyar da iko da sha'awa a kan adibas da rance. Its karu ne da amfani ga bashi, yayin da masu zuba jari rasa wani ɓangare na su samun kudin shiga. Refinancing aka yi a wata niyya ko zaba bisa kasuwar sunadaran kudi.

rationing kashi

Har shekara ta 2010, matsakaicin adadin, wanda aka gane a matsayin wani kudi, daidai da wadannan darajar: refinancing kudi * 1.1. Yanzu na biyu factor an karu zuwa 1.8 zuwa Ruble wajen samo. Idan daya daga cikin Manuniya a lokacin da bashi da kwangila dole ne a yi biyu biya. Game da kwangila tare da kasashen waje, akwai da refinancing kudi ba amfani. A kalla matakin da cewa za a iya dauke kwarara kudi - 15%.

Areas na aikace-aikace da kuma tasiri

Refinancing na bankuna a wani kudi a Rasha Federation yana da wani tasiri ba kawai a kan kansu da kudi da kuma bashi cibiyoyin, amma kuma a kan talakawa dan kasa. A musamman, wadannan lokuta:

1. Interest samun kudin shiga na haraji a kan adibas (a RF Tax code rate an saita zuwa 35% a wuce haddi na da adadin da aka lasafta daga cikin kudi na refinancing).
2. Lissafi na biya domin bata lokaci ba na kudi binta zuwa ma'aikaci (ciki har da vacation).
3. Lissafi na amfani a kan ko haraji tarin (shi ne daya uku bisa dari na kafa kudi na refinancing).

Kan aiwatar da crediting Babban Bankin bankunan ne wani muhimmin kayyadewa na kudi tsarin da ke jihar. Yana fi mayar dogara a kan ci gaban tattalin arziki, kamar yadda mutane sukan dogara ga albarkatun zuwa bankuna kawai idan sun kasance barga.