Liquidity na bankuna

Liquidity nufin a zahiri 'yanci na aiwatar, wanda ya shafi hira da kayan dabi'u a cikin tsabar kudi. Akwai irin wannan abubuwa a matsayin liquidity na kasuwa liquidity, banki balance da kuma dukiya.

Commercial banki liquidity nufin ta solvency. A banki ne ruwa idan jimlar girma na dukan da tsabar kudi, da sauran dukiya ruwa yanayi da shirin yaqi kudi daga kansa kafofin cikin wani gajeren lokaci ne isa zuwa sãka duk kudi da kuma bashi.

Bugu da kari, bankin dole ne ruwa reserves ake bukata ka sadu da gwamnatin kudi bukatun. Ake bukata reserves na bankunan sun fi mayar iya amince da bankin matsayi a taron na unforeseen yanayi.

Commercial banki liquidity management ya shafi m matakan sarrafa jihar liquidity da kuma shiri ya amsa wa wani irin sabawa daga na kullum.

A ka'idar, ya zama ruwan dare yankuna, irin na karuwa daga cikin banki ta liquidity bukatun bayar da biya bukatar rance, ba-sabuntawa na rance, fadada m ayyukan, bayar da takardun shaida na ajiya, sayar da wasu sassa na Securities fayil, da aiwatar da rance daga Central Bank.

Don kula da kwanciyar hankali da banki dole ne a wasu ajiye na ruwa yanayi. Yana ake bukata domin unforeseen kirtani lalacewa ta hanyar daban-daban na waje da kuma na ciki dalilai.

Liquidity na bankunan dogara a kan siyasa halin da ake ciki a kasar, tattalin arziki da hakikar a fadin jihar, Jihar duk na kudi kasuwar, da yiwuwar refinancing ta Central Bank, jihar Securities kasuwa, kyautata na banki dokokin, abokin ciniki AMINCI, da yanayi na gudanar da banki, obespechennostisobstvennym babban birnin kasar da kuma sauransu. Dalilai.

Bankunan tsakiya tsara da liquidity na bankuna ta hanyar kafa na hani a kan banki wajibobi bayan bashi da borrower, iko a kan bayar da rance a babban sikelin, da refinancing tsarin da m ajiye wani ɓangare na aro kudi, sha'awa kudi siyasa, Securities ayyukan da sauransu. Rasha solvency na bankuna ne ma batun tsari.

Domin ya kula da liquidity na bankuna bukatar hango ko hasashen zai yiwu halin da ake ciki tides ajiya Categories "a kan bukatar" da "unreliable" kalma adibas, da girma a cikin bukatar da rance da kuma wasu dalilai ne canje-canje a cikin tattalin arziki halin da ake ciki.

Don gudanar da liquidity na banki kamata yadda ya kamata ware dukiya da wajibobi. Don wannan karshen, da asusun tsaye alluna da kuma sanin abin da wani ɓangare na wajibobi dole ne a sanya a cikin ruwa labarin aiki asusun domin ya hana a dakushe da liquidity rabo.

Liquidity na bankunan dogara da jihar ta dukiya. Dangane da sauƙi fassara a cikin tsabar kudi dukiya daga bankin ya kasu kashi ruwa da kuma illiquid.

Liquid dukiya ne a nan da nan shiri. Wannan shi ne ta tsabar kudi, da farko-aji takardar kudi, mai daraja karafa, gwamnatin, wanda suke da kudi su da asusun ajiyar a cikin Central Bank.

Liquid kudi a zubar da cikin banki, kuma za a iya tuba a cikin kudi, shi rance da kuma biya zuwa banki domin a mafi wata daya. conventionally marketable Securities. Sauran dabi'u (ciki har da ko iskar dukiya).

Illiquid dukiya - shi ne m basusuka. m rance. zuba jari a cikin dukiya, gine-gine da kuma wuraren da banki. unlisted Securities.

Don kula da liquidity na banki ba zai iya tara kudi a cikin gajere da dogon lokaci shugabanci wajen.

Liquidity na bankunan (da matakin) a yi da aka kiyasta ta hanyar kwatanta wasan kwaikwayon na ta liquidity to kafa Central Bank of Rasha dokokin.