Liquidity bincike da ingantaccen management na banki liquidity

Modern liquidity da fasahar sarrafa dauke da biyu na asali fuskanci: banki ko kamfanin dole ne a ajiye na ruwa dukiya, ko su iya sauri jawo hankalin su. Wannan madadin aka nuna a kadaici a cikinta likvidnosti- "gefe" (tsit liquidity) da kuma likvidnosti- "kwarara" (tsauri yawa characterizing yanzu liquidity). Liquidity bincike ya nuna cewa wadannan yanki, da dabarun da kuma liquidity management dabaru cikin yi ne mai isasshen inganci.

Analysis na liquidity na inshora kamfanin, banki ko sha'anin da nufin mayalwaci tantance creditworthiness na banki ko solvency na kamfanin da kuma tabbatar da cikar wajibai karkashin kudi ga abokan. A cikin mafi janar tsari, shi ne a kwatanta wajen, da aka kebance su da kuma harhada a saukowa domin na digiri na liquidity.

liquidity bincike ya nuna cewa duk da dukiyar da ya kamata a kasu hudu kungiyoyin:

1. The mafi ruwa - yi amfani da farko don halin yanzu biya.

2. Da sauri realizable dukiya - biya, wanda ke faruwa a cikin shekara 1, kamar asusun receivable.

3. Hankali aiwatar - biya, wanda zai iya za'ayi a cikin 1 shekara.

4. illiquid - yi amfani da dogon lokaci.

A farko uku ana kullum canja, da kuma haka ne mafi ruwa.

A zamani al'umma, da bankuna a cikin aikin muhimmancin da banki tsarin za a iya kwatanta su da ga cikin jijiyoyi na jiki.

Jawo kudi, bankuna dauki alhakin yarda da bukatun da ajiyar. A karshen ne na sha'awar babban birnin kasar dõgara bankunan ba za ta sha wahala. A ci gaba daga wannan, bankuna bukatar da dukan damar zuwa cika alkawurra kayyade kwanan wata, ba tare da rasa wani ɓangare na su samun kudin shiga. Wannan ikon da banki da kuma banki ta definition ne halin da liquidity.

Recent aukuwa a duniya kudi kasuwanni, liquidity bincike ya tabbatar da bukatar inganta bankuna a kusa dangane da sake fasalin kudin na tattalin arziki.

Daga cikin sosai farkon rikicin bayyananen a cikin tattalin arzikin duniya, da babban bankin annabta da karfi korau effects. Yana da aka zaci cewa kawai ya faru via wani kai tsaye ba sakamakon mafi girma farashin for kudi albarkatun kan yi aron a kasuwanni waje da kuma wani karu a ba mazauna 'albarkatu. Amma ko da wannan shi ne quite wani m ra'ayi a kan management na mu babban bankin ta labari dauki wani gagarumin karuwa a banki hadarin liquidity.

Duk da haka, idan lalacewar da zaman lafiyar na bankuna da aka ba amfani daga waje, ya bayyana daga cikin tsarin tattalin arziki. Yanayin da sakamakon ayyukan sun fi mayar dogara a kan yanayin da ake so a yi aiki. Dire sakamakon rikicin cikin daban-daban sassa na tattalin arziki, a hankali dogara a kan cinikayya tare da Turai, ba amma shafi banki tsarin. Rage ƙarar na ayyuka bayar, akwai wani karfi outflow na albarkatun, ƙwarai karu da rabo daga bad rance, bankuna sun ji rashin liquidity. A sa'an nan, kuma wannan shi ne godiya ga goyon bayan da Babban Bankin ya iya tsuke mummunan sakamakon da bankunan.

A sakamakon haka, da banki tsarin ya sha wahala daga rikicin in mun gwada saboda kasa dogara a kan waje zuba jari.

bincike na liquidity wasu bankuna, da sakamakon da tattalin arzikin duniya da rikicin, da kuma wasu dalilai a haɗe, don inganta liquidity management batun na musamman muhimmancin.

Ganin ta msar tambayar tushe amfani a yau a cikin banki masana'antu, da farko ya kamata a lura cewa naúra da tattalin arziki aiki na wani sha'anin ne fatauci kõ dangane da banki - aiki. A wannan hasashe, da bankin liquidity za a iya bayyana a matsayin nuna alama na banki ta canji na jihar a cikin shakka daga dauke da fitar banki ayyukan. Saboda haka, da bankin liquidity management bã kõme ba ne, wanin kungiyar na banki ayyukan a cikin irin wannan hanya kamar yadda ya tabbatar da cewa da ake bukata adadin wajen biya a cikin buƙata lokaci.