Mene ne banki na liquidity

Lokacin da banki ne iya saduwa da su wajibai, da irin wannan ra'ayi ne da ake kira liquidity na banki. Bankin liquidity dogara a kan mataki na hadarin gudanar. Wannan ne, da mafi dukiya da wani babban hadarin a kan banki ta balance sheet, ƙananan da liquidity na banki. Ga dukiya da babban hadarin hada da, misali, tsawon lokaci zuba jari na banki. Kadan m dukiya sun hada da tsabar kudi a cikin banki rubutu. bashi digiri ma ƙwarai rinjayar da liquidity na banki, ciki har da a dace biya na aro.

Kuma, da liquidity na banki balance dogara a kan tsarin da balance sheet. Alal misali, bukatar adibas za a iya samu ta hanyar zuba jari a kowane lokaci, da kuma lokacin da adibas sanya ta bankuna na tsawon lokaci. Saboda haka, bankin liquidity za a iya rage muhimmanci idan karuwa da rabo daga bukatar adibas da kuma rage rabo na gyarawa-lokaci adibas. A matakin liquidity iya shafar kuma irin abubuwan da AMINCI rance da adibas, wanda aka samu daga sauran bashi cibiyoyin banki.

A kimantawa da solvency da liquidity na banki, za ka iya sanin yadda banki aiki. A za a iya kimanta da amfani musamman Manuniya nuna da rabo daga dukiya da wajibobi, da kuma tsarin da dukiya. A matakin kasa da kasa, yin amfani da musamman liquidity rabo ne rabo na yawa na dukiya da wajibobi. Liquidity Manuniya a kasashe daban-daban na iya samun wani daban-daban hanya zuwa lissafi kuma sunan. A duk ya dogara a kan abin da kowace kasa na da ayyuka da kuma hadisai. Don kimanta da liquidity na banki, shi wajibi ne su yi amfani da abubuwan da matsakaici da kuma gajere liquidity. A wasu bankuna da liquidity kudi ne m da banki dokokin da sauran kafa jikin kudin da banki dubawa. A matakin na ikon yi banki ta wajibobi aka ƙaddara ta hanyar kwatanta da kafa nagartacce kuma tare da tamanin da coefficient na banki.

A banki ta wajibobi rarrabe m da kuma ainihin. M kashe-balance sheet ma'amaloli denominated m, misali, bayar da wani banki tabbacin da garanti. Har ila yau, da m kashe-balance sheet wajibobi hada da aiki opertsii misali na haruffa na bashi. The real sadaukar iya hada wani banki ta balance sheet, wanda aka bayyana a cikin nau'i na adibas da gaggawa bukatar, yana nufin bashi da aro da. Don cika wadannan wajibai iya zama kafofin kudi, wanda aka bayyana a matsayin tsabar kudi balance a hannunka, dukiya aka canjawa wuri a tsabar kudi da kuma sauran kafofin. A amfani da data kafofin, Bankin ya kamata ba a tare da asarar.

A banki ta liquidity za a iya bayyana a matsayin wani mashahurin jihar, wanda ya nuna ikon saduwa da wajibai, kai tsaye zuwa ajiyar da bashi saboda gaskiyar cewa kulawa da kansa dukiya da wajibobi. Solvency da aka shirya don takamaiman ranar, sabanin da liquidity, misali, a lokacin da cajin Hakkin to ma'aikata, ko a lokacin da wajibi ne a biya haraji ga kasafin kudin. A rabo tsakanin solvency kuma liquidity take kaiwa zuwa da irin wannan halin da ake ciki, da banki ba zai iya saduwa da biyan bashin wajibai da kuma iya zama ruwa. A asarar liquidity take kaiwa zuwa din wanda arzikinsa ya karye. Wannan ra'ayi na iya nufin a matsayin rashin iyawa na banki a sami kafofin biya kashe bashin da kuma wajibai a ciki tsari, da kuma rashin yiwuwar kawo ga balaga da wajibobi sauran waje kafofin.