Ukuphathwa kwemali ebhange

Ukuphathwa kwanoma yiphi ngamandla ukuthuthukisa sesikweletu kumele bafune ukuqinisekisa ukuthi ukubaluleka ebhange kuyeza esiphezulu, okungukuthi, ibhange lenza inzuzo ezingeni elithile ingozi. Ngakwelinye ihlangothi, ukuphathwa yasebhange ingozi kuyinqubo eyinkimbinkimbi kuhlanganise nokuphathwa kwemali, nokuqapha njalo amathuba ingozi ukulahleka kanye nokuvinjelwa yayo isevisi ngempumelelo, ukukhethwa kwabasebenzi abaqeqeshiwe ku izikhundla abavamile futhi wayiqondisa ekusebenziseni izinqubo ezenzakalelayo.

Banking izingozi zihlukaniswe amaqembu amaningana eyinhloko:

1. izingozi lwezezimali, okuyinto zihlanganisa emakethe futhi lwemali ingozi, zezimali ingozi, lenzalo kanye credit ingozi, inhlokodolobha nokwanela ingozi, balance sheet isakhiwo, izitatimende zezimali.

2. Ibhizinisi nezingozi, kuhlanganise nezingozi ingqalasizinda yezezimali, yezomthetho, emakethe.

3. nezingozi nezimo eziphuthumayo, phakathi okuyizinto izingozi zezombusazwe kokuntengantenga yasebhange ezweni indawo ibhange, kanye phesheya.

4. izingozi Operational, kubandakanya abasebenzi ukukhwabanisa noma amakhasimende, nezingozi ukwehluleka zobuchwepheshe, isu oyikhethile futhi uhlelo sangekhatsi isikhungo credit.

I nzima kakhulu ukuphatha izingozi ezibhekwa eziphuthumayo, njengoba ngokuvamile kungavela ngokuzenzekelayo futhi ayikwazi kusengaphambili, ikakhulukazi uma i- amafa yasebhange zitholakala kwelinye izwe. Ngokwesibonelo, kuvinjelwe imisebenzi nge ezifakwa kwelinye izwe negates kwemali nokuphathwa, okuyinto kumele lifike ngandlela-thile ebhange. Abanye izingozi kungaba ziyancipha futhi ube yimpumelelo.

Ngenxa yokuthi imisebenzi main yasebhange kukhona ezifana ekuqongeleleni imali bese uwenza atholakalele ngesimo ukubolekisa, isabelo okuphawulekayo credit ingozi yebhange ihlanganisa. Kubandakanya amathuba okuba lowo muntu obolekayo akusho ubuyisele loan ngokugcwele, ngeke nje ubuyele ingxenye noma ukuqhuba operation nokubuya emva umnqamulajuqu.

Phakathi udumo ingozi ukukhululwa ukholo ezimbi abantu, okungezona ukubuyiswa kwemali yi- kumakhasimende ezinkampani, kanye nezingozi ukuthi yisiphi isimo bazolahlekelwa amandla ayo ukukhokhela izibopho (eNgophezukonke).

Credit kwezinhlekelele kuhilela:

- ukuphathwa yebhange credit iphothifoliyo, izimiso zazo kubonakala kuzinqubomgomo ezifanele uhlelo nokubekwa credit imithombo, njll;.

- ukukhishwa credit imisebenzi (loans kumele ibuyiselwe emuva, ukwenza inzuzo kanye ukuba funa ezimakethe);

- nokuqapha njalo ikhwalithi iphothifoliyo loan;

- ukwabiwa imalimboleko engenzi, futhi izinyathelo sokubuya kwawo;

- ukunciphisa ingozi credit by ukunciphisa loans phezu-ezinkulu kunoma yimuphi umuntu, esifundeni noma izwe, ngokudalwa kwesimiso isipele credit ukulahlekelwa nabanye.

Ngaphezu senkokhelo ukubolekisa, ibhange kumele ukukhulisa imali imali, njengoba I-akhawunti ayo ekhiqizwa kuphela ingxenye encane obolekisayo. Ukuze kahle ukukhiqiza ukuphathwa kwemali, kubalulekile ukuhlaziya ukuthambekela kwezomnotho jikelele nokunikezwa izimbangi 'ukuze usethe zenzalo yokuzigcina imali, ezikhangayo amakhasimende unedumela elihle, ukuboleka imali emakethe interbank, ukuhlangabezana nezimfuneko ezingokomthetho Ukukhishwa izibambiso ayo, ke kunenzuzo ukutshala Izimali ezitholwe kusho ukuthi, njengesibonelo, e-stock noma lwemali izimakethe, nabanye.

Ukuphatha cash flow we yasebhange inqubo eyinkimbinkimbi, umphumela wokugcina okufanele elilungile balance sheet isakhiwo, ukuhlinzeka inzuzo ezingeni oyifunayo ngobungozi nokuhambisana nemithetho ekhona nemithetho.