Banka ho leka-lekana

banka ho leka-lekana bonahatsa litaba tsa bohlokoa a moruo ka sehloohong la banka le mokhatlo o hlophisitsoeng le ho ntlafatso ya mosebetsi ya Management Banka. Ka thuso ea ba boholong boemo laola ntshetsopele ya lefapha la ea ka chelete e pholletsa le naha. Management ya banka ka, le eena, e thehiloeng ho leka-lekana ea banka ya atlholang ho fumana sephetho sa ho qetela le ho atleha ha mosebetsi oa atlehe, o lokolisa mehato tlang ka ntshetsopele ya tshebetso ho banka.

Bopang banka e ho leka-lekana lakane ka mokgwa wa tafole kakaretso emisa ka lebaka la lihlopha tsa tshebetso ka ho ya ka e litsupa moruong homogeneous hore khethollang boemo ba akhaonteng ya banka ka ka letsatsi le tobileng.

Ho ba le botsitso ha banka khoebo e ho leka-lekana lakane, e bonahatsa boemo ba hae, a alima le alima chelete ea bona ea banka ya, le bontša kamoo li kenngoa ka mokitlane le ho tse ling tse tshebetso a sebetsang. Ka liketso, mohloling ona oa boitsebiso bakeng sa tlhokomelo sebopeho sa chelete le placement bona, boemo mokitlane, chelete, ho fedisa le tshebetso tse ling ho banka, ho akarelletsa le tshebetso le balebedi.

banka sekaleng nomenclature e arotsoe ho leka-lekana lakane le off-teka-tekano.

Pele ea bana ba ke:

• etseng letho - ho ke ke matlotlo a banka bakeng sa alima 'me phethahatso ea ditransekshene tse ling ho banka, ba bontša ba chelete bankeng, chelete ea batho ea tlhaho ea likhoebo le mekhatlo e, lekgetho la boemo moralo oa tšebeliso, mobung, chelete ka dipalelo e, phaello ea banka ya, litlaleho lokelwang ho leshwa, melato tse ling le chelete alima, ho akarelletsa le refinancing ya tjhelete eo li ne li amohela ho dibanka tse ling;
• a sebetsang a - e leshwang ho tsona e bontša kamoo le ka litsela life ho sebelisa matlotlo ana, le 'ne direkoto tsa chelete ka dibanka, dikadimo long- le nako e khutsoanyane, boemo moralo oa tšebeliso ea ditshenyehelo, litlaleho receivable, hammoho le tse ling tse mahlahana a hae a sebetsang.

Ha lakane bobeli, off-ho leka-lekana, ba sa bontša motsamao oa ditokomane le matlotlo, leo tla mekhatlo ea banka ka thomo ea hae, polokelo kapa pokello, ho akarelletsa le matšoao a puso mosebetsi tefello liforomo dishere tsa boikarabelo ka tieo, 'me ba bang.

Boikarabello banka ho leka-lekana hlophisitsoe ke tekanyo ea ho tsa kontane sehloohong se ka thepa tse latelang:

• chelete, thepa ka litlaleho le libanka tse ling, ke hore, li bonahatsa "mehloli e ka sehloohong" ea tsa kontane;
• Investing pampiri khoebo, nako e khutsoanyane le ho balebedi nako e telele le tse ling tse, e le hore ke karolo ea "mehloli mahareng" hobane ba ne ba ka potlako fetoloa chelete le kotsi e kaalo ea ho lahleheloa ke;
• dikadimo ho borrowers motho, mekhatlo, likhoebo, libanka tse ling; kaha ho na le kgonego ya puseletso morao, le ho leka-lekana ha thepa tsena e matleng a hae ho tlaase matsete se metsi;
• le dipeeletso tsa - sebelise a e etsoang ka mechine le leruo le tsitsitseng, ho ne ho bōptjoa ditabeng kopanetsoeng, ka tiasa yona, joalo-joalo

Ka lebaka leo, ntho moruo ditransekshene ho lakane ho leka-lekana ea banka li hlophisitsoe lihloohong tsena:

• ditransekshene moreki, ho akarelletsa le ditransekshene ho hohela mehlodi ya le fe dikadimo;
• interbank ditransekshene, ho akarelletsa le poleloana e reng khutšoanyane 'me nako e telele; tshebetso tse ling, ho akarelletsa le matsete a nako e khutsoanyane balebedi marketable le balebedi tse ling.

Banka ho leka-lekana e na le mofuta o tekanyetso amohetsweng ke Banka ea Russia, 'me e thehiloe melao-motheong e latelang:

• khoebo tswelopela,
• bokgoni, ho inviolability ea ho leka-lekana e qalang,
• ntho fetang foromo,
• bulehileng akhaonteng,
• mantsoe a tsoanang la melao le boikarabello,
• hlokolosi, nahana ka chelete motheo oa chelete e kenang le ditshenyehelo,
• arohaneng ponahatso ea thepa le boikarabelo.