Da banki ta dabarun a yau m kasuwar

Modern ɓarna, m kudi kasuwa na samar da isasshen shi ƙalubalantar banki ta dabarun. Fasali, shi kunshi da dama, a kasuwanni: yarjejeniya da tsabar kudi da sabis, rance, kudin da Securities. Sun samar da fiye da 150 daban-daban na mu'amalar banki. A cikin shakka daga wani kasuwanci banki hulda da kasuwar girma da leaps da haddi na ta rumfa bangaren, bayar da shawara mahara tashoshi da kuma m abokan ciniki sami sabis. Aikata neman sauyi "nuna a kan ^180" - daga tovaroorientirovannyh fasahar - abokin ciniki-to (CRM).

Idan muka juya zuwa "litattafansu", da banki ta dabarun za a iya dogara ne a kan daya daga biyu dandamali: Amurka (kasuwar tare da stock tsarin, babban yawan hannun jeri kuma su juyawa) da kuma Turai (abokin tarayya, daura da farko).

Gabancin banki ta dabarun farawa da kasuwar rabawa da kuma sakawa na banki kayayyakin a kan shi. Kawai ta yi wannan yanayin, ta management a real-lokaci za su iya kewaya a total m yanayi. Wancan ne, a yi aiki a hankali da kuma daidai da wannan shirin, aiwatar da shi Mataki-mataki, shan la'akari, a hannu daya, da kasuwanci amfani, a kan sauran - ya steadily rike da wani Central Bank dokoki, tare da uku - optimally amfani da fasali na tattalin arzikin yankin.

Basic Concepts - da kuma Alpha Omega na banki ta dabarun ne ta ajiya da kuma na rance manufofin, m da hankali ga mafi kyau duka tsarin dukiya da wajibobi, bayyananne definition of m hadarin a rance. A bisa sharudda dole ne a kiyaye marar sakewa, kamar yadda su bayyana ganewa kai tsaye rinjayar da zaman lafiyar na banki. A cikin 'yan shekaru fiye da kuma mafi muhimmanci don jawo hankalin abokan ciniki na banki zama jama'a wuri: kasuwanci hadin gwiwa tare da hukumomin gwamnati, kazalika da ci gaba da dangantaka da jama'a.

The m banki kasuwar da dama a karkashin category na kasuwar halin da ake ciki - m gasar, halin da dama masu aiki miƙa wannan irin kaya da kuma ayyuka. Da dabarun kasuwanci banki a cikin wannan yanayi ba za a iya yi ba tare da m management na gwada dabarun manufofin da samuwa albarkatun: tracking da muhimmancin ãdalci (ba da tsarin), abokin ciniki tushe, samfurin inganci da jadawalin kuɗin fito da manufofin, yayi dace da tsarin da banki na da manufa. Bankin manufa shi ne daidai da banki ta management tsara dabarun fili ya fayyace mafi muhimmanci abokan ciniki (ciki har da m), kazalika da key na hadin gwiwa tare da su, da goyan bayan shirin kaiwa hari.

Ya kamata a lura da cewa a halin yanzu da banki dabarun shiryawa jurewa da wani na ra'ayi canji. A rinjaye yi na kalandar (kasafin kudi) shekara aka ƙara soki yadda ba technologically shirya tafiyar matakai da shaci.
Abin lura shi ne matsayin da bankuna sun bita gargajiya karye to baya shekara. Sun kalubalanci "m m", fixated a kan gajere sakamakon ba tare da shan la'akari da kiyayewa da kuma gina jiki abokin ciniki tushe. Wadannan hanyoyin da ake amfani da su gina shi:

• Hanyar a gaba na tsarin kula.
• Hanyar kafa buƙatun da kuma bukatun da abokin ciniki;
• Hanyar biyan bukatar da kuma bukatun abokin ciniki.

M soki "gargajiya manajoji" da suke qoqarin "gina up ko'ina duk" saboda tsoron "da ba ya shige a cikin shirin."

Gabancin banki ta dabarun da aka fi mayar da m da shiryawa, hanyoyin da hadarin gudanar da gina moriyar kasuwanci dangantaka da abokan ciniki.

A kammala wannan taƙaitaccen bayyani na yanzu dabarun na bankuna, da shi za a iya kammala game da sananne maye kafa na ra'ayi-daidaitacce kayayyakin, sabon dabarun - abokin ciniki-daidaitacce.