Sha'awa kudi: fasali da kuma iri amfani rates

Zai yiwu babu sauran nuna alama daga cikin tattalin arzikin taka muhimmiyar rawa ga kima na ƙarfafa muhimmancin kasashen waje musayar kasuwanni, a matsayin sha'awa kudi. Bambanci a cikin sha'awa rates ga ago, watau sha'awa kudi bambanci ne babban factor a kayyade zumunta kyawawa na biyu ago, kuma daidai da, da m bukatar kowane kudin. A cikin kudi kasuwar , akwai da dama iri amfani rates, wanda suke juna.

A ra'ayi na sha'awa kudi

Dole ne mu fara da definition of "amfani". A kashi wakiltar rabo daga cikin ribar da aikata ta hanyar da mai ba da bashi daga borrower na kudi-babban birnin kasar, a dauka a matsayin aro. Source cent - da ragi darajar da aka halitta da yin amfani da rancen babban birnin kasar.

A amfani kudi ne m bisa ga takamaiman yanayi na amfani rance babban birnin kasar, da kuma shi ne ma wani abu na monetary bashi da tsari da Central Bank. A wannan yanayin, da sha'awa kudi na taimaka wa ko outflow ko tsabar kudi inflow na babban birnin kasar a cikin ciki kasuwar. The motsi na kudi babban birnin kasar ne in mun gwada high, kuma su motsi tsakanin kasa kudi kasuwanni gani amfani rates. Interest sulhu ne wani kayan aiki amfani da su tsara a layi daban-daban na kasa rates. Don irin wannan tsabar kudi gudana shafi ba kawai amfani arbitrage, amma kuma kudin hawa da sauka.

Kamar yadda na gargajiya ideas sha'awa kudi canje-canje saboda da tasiri na da kudi na riba. Actual sha'awa kudi da aka kafa, kuma Ya ƙaddara spontaneously wadata da kuma bukatar. Bi da bi, da wadata da kuma bukatar da aka ƙaddara ta a manyan yawan dalilai, ciki har da mataki na jiha da tasiri a kan tattalin arziki, da lokaci na ci gaba da tattalin arziki, waje dalilai, manufofin da Babban Bankin da sauransu.

Akwai sauran abubuwan da zai shafi tamanin da sha'awa kudi:

• haraji.

• bashi kasada .

• da sa ran kudi na kumbura.

• musayar kudi ƙungiyoyi da kuma sauransu.

Interest rates kafa ta Central Bank, ne wani muhimmin kayan aiki, da taimakon wanda da waje da kuma ciki da manufofin. Dalili na rates a cikin kudi kasuwa ne da rangwame kudi ko na yanzu sha'awa kudi a kan babban bankin kasar. Bankunan, da kafa da amfani rates da amfani ga rates na Central Bank of kasar.

Nau'in ban sha'awa rates

A bankuna yana amfani da mutane da yawa daban-daban na amfani rates. Da farko, kai tsaye daidaitacce amfani rates. Na biyu, kasuwar sha'awa rates suna subdivided cikin bankuna da kuma gwanjo.

Interest rates a kan bashin da adibas aka subdivided cikin sha'awa kudi a kan bashin da na halitta mutum kuma doka abokai, neinsayderam da insiders.

A wani inflationary yanayi, akwai manyan bambance-bambance tsakanin irin wannan Concepts matsayin real kuma maras amfani kudi. A karkashin maras muhimmanci kudi na riba dõmin ya fahimci wannan, da lissafi na abin da ba a dauki la'akari da hauhawar farashin kaya. Lokacin yankan shawara a kan yin amfani da rancen kudi ne real sha'awa kudi taka muhimmiyar rawa.

Har ila yau, sha'awa rates an bambanta a kan tsarin da kuma rawa a cikin na asali da sakandare, bisa ga sharuddan da fatauci - ga dogon lokacin da kuma gajere. A amfani kudi iya iyo da kuma gyarawa, cewa shi ne canzawa. A iyo sha'awa kudi da aka saita a matsayin ranar ajiya da kuma bashi ma'amaloli. Su zama dole rama domin hasarori na depositor da banki. Su yi amfani da damar zuba jari a tabbatar da karuwa a samun kudin shiga bisa ga halin da ake ciki a kasuwa, da kuma banki ba ka damar kare kanka daga mafitar rates ban sha'awa a kan rance a nan gaba.