Interbank bashi: fasali da kuma ka'idojin

Interbank rance ne dauke wajen samo kudi yankin, wanda shi ne abin dogara. Bayan duk, wani bashi ma'aikata gana da wucin gadi tsabar kudi bukatun na wani banki kawai idan akwai wani ci kudi da kwanciyar hankali. Bugu da kari, wasu halitta, ko shari'a mutum ne ma dogara a kan canje-canje a cikin waje kudi dalilai, musamman kumbura hawa da sauka a cikin kasuwar.

Interbank rance ne na kowa ga kayan aiki da goyon baya da ayyuka na dukan banki da kuma tsarin da mutum abubuwa. Credit cibiyoyin sun koma ga irin wannan bashin, a cikin taron na wani kaifi dakushe a matakin na liquidity, a Bugu da kari, su ba ka damar kula da da ake so matakin da riba. Liquidity aka fahimci matsayin banki ta ikon saduwa da wajibai a kan lokaci, ba tare da yin ciniki jira. Shi ne wannan nuna alama karshe game da girma da ma'aikata.

Duk da haka, Inter-bashin bankuna a Bugu da kari ga indisputable abũbuwan amfãni ma da wasu disadvantages. Da farko, dukan ayyukan da wajen samo shi ne kawai na wani dan gajeren lokaci. Dogon lokacin da rance ga bankuna bankuna ba zai zama da amfani ga ko dai jam'iyyar. Bugu da kari, bashi cibiyoyin sun koma ga irin wannan kayan aiki saduwa da wucin gadi rashin kudi da albarkatun, sau da yawa sosai, amma in babu wasu hanyoyin. Wannan ba abin mamaki bane, saboda kudin da irin wannan rance ne wajen high kuma ba ko da yaushe m zuwa ga borrower. Don kawar da data kasance disadvantages da kuma kyautata na banki tsarin wajibi ne a ci gaba da irin wannan shugabanci, a matsayin Inter-banki bashi. Da farko, ya kamata mu shiryar da kowane kokarin haifar da cikakken database da kuma sarrafa kansa samu dukkan dole bayani.

Dangantaka tsakanin bankuna nuna a bashi yarjejeniya, musamman ta hanyar yarjejeniya tsakanin jam'iyyun kafa wani takamaiman wa'adin, cost, Hanyar da rance biya da sauransu. A cikin 'yan shekarun da ya fara ci gaba da wani interbank aro zuwa "dare" lokaci, cewa shi ne, mayar da adadin bashin zai yi 24 hours daga baya. Na dogon lokaci da kudin da aka quite low, don haka mutane da yawa kungiyoyi amfani da wannan rana da sabis.

Idan muka magana game da rawar da IBC (Inter-banki aro), ta amfãni ga ci gaban da banki tsarin ne ba a tambaya. Saboda shi damar bashi cibiyoyin ko da a sau da kudi matsaloli kasance sauran ƙarfi. A cikin yanayi na bayar da irin wannan rance aka shafi na waje tattalin arziki dalilai. Alal misali, halin da ake ciki a cikin kudi kasuwa kayyade sha'awa kudi. Da sauƙi, ta rage take kaiwa zuwa wani rage daga cikin kudin na aro, wanda ke nufin za ka iya sa ran wani fadada bukatar. M ci gaba gajeren lokaci rance, tun da hade da dalilai da dama da ake bukata domin batun na Inter-lokaci aro. Da fari dai, tabbatacce ƙarfafa muhimmancin amfani kudi. Na biyu, barga farashin ga gwamnatin. A karshe, cikin AMINCI na kungiyar-borrower ta ikon biya barga. A aikace, wannan "jituwa" ne musamman rare, wanda shi ne dalilin da ya sa dogon lokacin da rance ba su samu dace rarraba.

Ba asiri da cewa ga wani aro daga wani irin zuwa ga borrower dole ne samar da wasu takardun. Interbank rance ne ba a kan tushen da kalamai, bijiro da batun kafa takardun na kungiyar, ara, kwafin jihar rajista, shatan, hãtimi a bugu da sa hannu na alhakin mutane, da kuma sauran misali takardun. Kafin a yanke shawara mai ba da bashi gudanar da wani sosai bincike na kudi kalamai na borrower domin sanin al'amurra na ci gaba da matakin na solvency.