Imali Credit, umlando wabo kanye nezinhlobo

Imali iyingxenye ye ukusebenza kunoma yimuphi umphakathi. Umsuka wegama elithi kuyinto ngempela ezithakazelisayo. zemali Minting lasendulo kwenziwa e eziklanyelwe kule ndawo ngenhloso - the nethempeli lonkulunkulukazi Juno Moneta, okuvela kulo igama, futhi kukhona izwi English - imali (imali). Ukuthuthukiswa impucuko womuntu kubandakanya ukuthuthukiswa yonke imikhakha umsebenzi wayo, kubandakanya ezezimali. okulingana oMdala imali kubhekwe njengento noboya kanye izikhumba zezilwane, futhi wabe esengena kwegazi isiliva negolide (uhlobo) futhi ekugcineni imali yephepha. A uhlobo olukhethekile imali yesimanje imali imali, okuvela kuyo okuyinto lihlotshaniswa ukuthuthukiswa ngokushesha umsebenzi yasebhange wemboni. Lezi zimali akudingeki value abo, futhi ngenxa yalokho khona kuphela ngesimo eqinisekisiwe ngandlela-thile izimpawu wedijithali. Ngamanye amazwi singasho ukuthi imali credit - kungcono uhlobo inothi promissory, izimpawu iphepha akalahlekelwanga incurred ngesisekelo credit esikhundleni igolide.

Ngokuhamba isikhathi selungelo lonke uhlelo yasebhange wesikweletu imali ziye zashintsha izikweletu ukuze amakhadi esikweletu imali electronic.

Izinhlobonhlobo yokuqala yale hlobo yemali izimali eRussia lezwakala umthethosivivinywa, okuyinto kuyisibopho abavamile ebhaliwe unecala lokugcina ayemkweleta. Bank izikweletu zikhishwa, njengoba umthetho, kuphela uma kukhona i-akhawunti yamanje ye-umboleki isizumbulu semali. Treasury izikweletu ibaluleke izikweletu akuyona ukweletwa ebhange, futhi kuphela isimo futhi zisebenza izibambiso esikhishwe isikhathi izinyanga 3 kuya ngonyaka. Ukuze uthenge yengcebo izikweletu kungaba i izibambiso emakethe asebenzayo. Ukuhlengwa kwabo Kwenziwa amabhange central yezwe egameni Ministry of Finance.

Ekupheleni kwekhulu le-17 e-Russia, entsha uhlobo credit imali - imali engamaphepha, ilungelo udaba zazo kuphela ebhange central. Rich yegolide yezwe kwakuthuthukisa ukuba nokwenzeka of ukwehla kwentengo lolu hlobo izimali. Yemaphepha nganoma yisiphi isikhathi kungenzeka umklomelo wegolide. The main lolwehlukanisa lo mthethosivivinywa imali eyiphepha phakade ukhona.

Inqubo yokudala ngamabhange yafuna ukubukeka uhlobo olusha imali, baqala amasheke, okuyizinto okwakuvela ohlotsheni olukhethekile lwenkanyezi bill, umyalelo ebhaliwe evela ku-akhawunti umnikazi ethize ukukhokha umnikazi isheke uyiphile isizumbulu semali. A isheke ingakhishwa njengoba ngokuhweba, ibhange wezwe emaphakathi. Automation Banking bese beqhuba imisebenzi yezimali kwandulelwe ukugunyazwa okwenziwe ukubukeka owathatha amasheke amakhadi esikweletu esikhishwe amabhange ngesimo ikhadi plastic camera nge chip ngesisekelo akhawunti yekhasimende.

Credit imali, futhi imibono yabo beniyingxenye ngemvelaphi nokuthuthuka kohlelo isicebi, omunye izici eziyinhloko olwaqala kunyatheliswa imali, okwabangela eziningi nemiphumela ebalulekile engenisa umnotho waleli zwe. Ukusakazwa capital ihlinzeka njalo ukungena kwemali, okuyinto evame kakhulu eyenziwa ngezindlela wesikweletu. ngaleyo ndlela Ifomu eyinhloko lwemali ukunyakaza iba loan, ifomu eyinhloko yokukhokha - credit imali.

Kufinyeta, singasho ukuthi uboleka imali awunakuhlukaniswa nge lomkhuba empilweni nezomnotho kuleli zwe, njengoba ne-capitalism, futhi kabanzi kunazo ukuthuthukiswa ubudlelwane lezimpahla-imali. sici sabo esisemqoka oluhlukanisa imali yephepha imvelaphi. Iphepha imali ingakhishwa kuphela nguMgcinimafa, ikhredithi - ngamabhange futhi ephakathi ifomu amasheke, amanothi promissory, amakhadi okuthenga ngesikweletu, imali engamaphepha imali electronic.