Gyara tsarin crediting da kuma albashi

Hanzari canza bukatun masu amfani yi banki masu samar da sabis da fadada cikin kewayon sabis don samun sabon mafita ga kara albashi na yawan jama'ar, m ga bukatun kowane mabukaci. Idan ya zo ga inganta aikin banki, shi wajibi ne, na farko, don tabbatar da gasa na samarwa bashi wurare da kuma kwatanta da real albashi na yawan jama'a. The Bank yana bukatar karin sosai m ga abokin ciniki ta creditworthiness analysis, da iko a kan manufa amfani da bashi, daidai zane na kullawa a matsayin aro da sauran.

Ya kamata a lura da cewa a halin yanzu halin da ake ciki a kasar da akwai da dama daga matsalolin da sanin jihar na banki a matsayin dukan da kuma musamman ta bashi ayyukan ga mutane. Don warware su, kana bukatar ka ci gaba da more tasiri majalisu, kullum kuma methodological tsarin da ake ci gaba biyu da banki da kuma ta Central Bank.

Babban da muhimman hakkokin manufar kudi management ne ƙara da matakin na masu arziki, da kuma manufar da dukan banki tsarin ne don sauƙaƙe cewa samun kudin shiga na Rasha yawan aka kafa don samar da wani cancanci gamsuwa na zamantakewa da bukatun.

Ga wani banki, iko a kan biya na rance - shi ne tushen da bashi da manufofin na kasuwanci banki.

A bincike na ƙarfafa muhimmancin mabukaci bashi a cikin past 'yan shekaru da ya nuna wani kwari karuwa a cikin juz'i na da irin wannan sabis, amma tare da farko na Amurka rikicin kudi, da yawa bankuna da fuskantar matsalar na jawo waje bashi albarkatun cewa nan da nan nuna a cikin lamuntawa kundin da, ba shakka, shafi albashi na yawan jama'a. Tightening bukatun ga bashi, wucin gadi moratorium a kan wasu iri rance, tanã fita amfani rates sun jagoranci wani kwari dakushe cikin kudi na rancen ga mutane a dukan ƙasar.

Daya daga cikin alamar rahama iri mabukaci bashi ne a kamfanoni na rance, inda mutane suna bayar da rance ga wani iri-iri mabukaci rance karkashin garanti na m, cewa zai iya muhimmanci shafi samun kudin shiga na jama'a da tsarinta. Wani muhimmin al'amari na inganta ginshikai na mabukaci bashi, wanda kayyade samun kudin shiga na yawan jama'ar, shi ne ci gaban da dangantakar da banki tare da kamfanonin inshora da kuma miƙa mulki na dukiya inshora da kuma rayuwa inshora na borrower zuwa sãka da rance kai tsaye zuwa cikin hadarin a rancen ga yawan jama'a. Wannan nau'i na inshora na samar da wani m lamuni na bankin a cikin nau'i na wani inshora siyasa, kazalika da tilasta da borrower a hankali ku auna nauyi da ikon zuwa sãka da rance a kan lokaci. Bugu da kari, bankin domin tabbatar da] orewar ci gaban tattalin arziki wajibi ne a fadada cikin kewayon na bashin bankuna ga jama'a, inganta ingancin hadarin management system cikin sharuddan bashi rating, inganta ingancin bashi ayyuka, don rage banki na rance rates, to ta da wani karuwa a cikin rabo na iyali adibas a bankuna a kudi na adibas kara bankunan 'bashi m.

Kamar yadda wani madadin tsari na babban tanadi yawanci protrudes da yardar kaina canzawa sayan kudin kasashen waje da kuma ta m shaida. Riba daga kudin kasashen waje sayan ma'amaloli yi sama da taki na canji a cikin ruble musayar kudi da kuma amfani rates a kan adibas a cewa kudin.

A halin yanzu, bankin offers daban-daban iri adibas biyu a rubles da kuma a cikin kudin kasashen waje. Amma, ajalin da ajiya - har zuwa shekara, kuma a cikin tsawon lokaci - har zuwa shekaru 3. Kuma yayi wani m iri-iri iri amfani rates a kan adibas. Yana iya zama gyarawa-kudi, iyo, da capitalization ban sha'awa, tare da wata-wata biya, da kwata biyan bashin a request daga masu zuba jari.

A jama'ar yana da mafi dõgara a banki tsarin, kuma sau da yawa fi son su zuba jari free kudi a cikin banki domin daban-daban adibas a kasa da kasa da kasashen waje ago, kamar yadda ba ka damar samun ƙarin albashi daga tsagaita kudi. Duk da haka, yanzu tsarin na tabbatar da rashin kudi janyo hankalin da bankunan, da aka wajen wuya. Shi ne har yanzu nisa daga ƙarshe na da samuwar.