Tsamaiso ea banka e le tataiso e ka sehloohong ea moruo 'maraka

tsamaiso ea banka - pokello ea e le mabopong a bohle ka moruo ea sechaba. Hona joale, linaha tse ka pele moruo 'maraka, tsamaiso ea nang 2 maemo - bohareng banka le libanka khoebo. Banka bohareng ka hlahisoa e le sete ya ditheo tse ding ho banka hore phetha mesebetsi ya Banka ea Central. Banka ea Central phethahatsa mesebetsi kaofela tjhelete - o sebedisa matla a fehlweng ea chelete ea sechaba, e se e kopanela mokitlane le tse ling tsa bohlokoa mesebetsi. dibanka Commercial ba concentrated haholo-holo dikadimo le ho khanna tshebetso banka, hammoho le litšebeletso tsa lichelete bakeng sa likhoebo le batho ka bomong. dibanka Commercial ka aroloa mmuso, tšebelisano-'moho le e kopanetsoeng-setokong mofuta o mong oa beng.

Ka kakaretso, tsamaiso ea banka - sete ya dibanka tsa ho sebelisa mehaho, mekgatlo mokitlane, mekhatlo a moruo a etsa tshebetso banka. Ho phaella ho mekhatlo tsena, tsamaiso ea banka e hape khetheha mekhatlo eo ha etsa tshebetso efe kapa efe ho banka, empa fana ka mesebetsi ho banka. Ka mohlala, e ka 'na ea e-ba litsi chelete ho fedisa, lifeme morekisi, liofisi thuno ya, likhoebo tse sebetsang ka balebedi, hammoho le mekhatlo e sebetsa ka dikatlholo ea e le mabopong a le e le mabopong a fana ka lintlha tse hlakileng le thepa. Ena eohle e ke tsamaiso ea banka.

Banks le tsohle diinstitusene tsa mokitlane lula sebelisana le bareki tse latelang:

- le bafo ba moruo;

- mong ho e mong;

- le Banka ea Central;

- le ba boholong tse ling.

Ea pele ke khopolo ea kamoo tsamaiso ea banka e hlahile ka lekhetlo la pele ka hantle ntshetswa pele linaheng tse a moruo - Switzerland, Fora, Jeremane, Japane, USA 'me ba bang. Ka mohlala, tsamaiso ea banka ka Switzerland - ke e 'ngoe ea tsamaiso ea matla ka ho fetisisa le e tsoetseng pele lefatšeng ka bophara.

E le karolo ea tsamaiso ea banka ke karolo e khōlō ea tsamaiso ya moruo ba naha eo. Sena se ka hlalosoa e le 'nete ea hore tsamaiso e amana haufi-ufi ho tshebediso ya tlhahiso,' me ajoa tse fapa-fapaneng 'me leruo intangible le lintho tse bonahalang. Katleho ea ntshetsopele ya moruo ya naha itšetlehile ka ya banka le tshebetsong oona tsamaisong banka.

Banks hore o sebetse ka hare ho naha ka 'na na le tsamaiso e fapaneng - tse peli le litekanyetso kapa e' ngoe-le litekanyetso. Peli le litekanyetso oona tsamaisong ipuella - boemong ba pele ba banka bohareng, 'me e mong - diinstitusene tsa mokitlane kapa dibanka khoebo. Boholo ba mofuta ona 'me e fumanoa lefatšeng. tsamaiso e khopo Single-boemong ba e sa tloaelehang, empa tsohle e ba oa sebele ha naheng e ha a na banka e bohareng, kapa ha e na, empa naheng ena ho na le e 'ngoe feela joalo dibanka bohareng.

Ea ka lebelo la bophelo ba kajeno le moruo 'maraka, tsamaiso ea banka e na le makgetha a ho haholo tse seng kae. Liphetoho tse etsahalang tsamaisong ea, hore na ba na le positive, sludge mpe ama, e le busa, moruo kaofela. Mokhatlo o hlophisitsoeng oa tsamaiso ea banka ho sebetsa hantle, o lokela ho ka ho hlaka ho iphaphatha le ditlhoko tsohle le ntshetsopele ya likarolong tsohle tsa ho banka. 'Me e ama ea ka tšebetso tloaelehileng ea moruo oa naha eo.

Bakeng sa tshebetso e ntle le leano la mokitlane hloka botsitso tsamaisong ea banka. A le kanaleng ka eo tshebetso tsohle ka chelete, ke lefapha la banka, ka mo kaofela oona tsamaisong banka o ikemiseditse.

Qetellong re ka bolela hore tsamaiso ea banka ke thuto ho phethahetseng ka hohlehohle hore e fana ka boemo bo tsitsitseng ka har'a naha. Tsamaiso ea banka ke karolo ea sechaba, e leng o sebetsang ka hare ho molao le e ka tlasa melao ea tsamaiso ea molao.