Imali Okuphindaphinda

Endaweni wesikweletu, ingxenye okuyizinto amabhange, wasebenzisa amagama anjengokuthi credit, idiphozi kanye Okuphindaphinda imali. Ukuze abantu kude emnothweni, ngesinye isikhathi kunzima ukuthola incazelo imigomo ethize. Ngakho kuyazuzisa ababheke ngokuningiliziwe ukuqonda ekusebenzeni kwenqubo yasebhange kanye nezindlela zokuxazulula imiqondo la.

Uma sibheka incazelo lamagama kwezomnotho, futhi lapho ungathola incazelo multiplier umqondo credit:-ke lokhu ingxenye yawo ukwanda supply imali, okuyinto kungokwenkampani Bank, ngokusebenzisa isenzo onazo. Ekuqaleni umsebenzi wayo ibhange ethile imali okuyinto etshaliwe enhloko-dolobha yalo njengoba idiphozi. Imali supply (ie, inhlokodolobha) futhi ekukhuleni kwayo kanye ukunwetshwa incike izidingo reserve, njengoba inqubomgomo ukonga. Ngenxa yalokho, lomfula uthola idiphozi, banganezela izinqolobane zabo amaphesenti lemali etholwe kuye. Ngakolunye uhlangothi, wonke yaphenduka inqolobane esele idluliselwe loan. ukunwetshwa kaningi ebhange imali inhlukanozigaba okujwayelekile ekhona reserves wokweshumi.

Ngakwelinye ihlangothi, incazelo yaleli welithi "idiphozi Okuphindaphinda" kubika Dictionary Lwebhizinisi Imigomo. Ngo incazelo yakhe wabo kuyisici omuhle yokushintsha imali zifakwe ebhange, okuyinto umphumela Ukulisebenzisa ngokuphindaphindiwe igama elifanayo imali supply phezu emakethe, credit kanye yasebhange.

Futhi yena Enye inhlobo ibizwa ngokuthi multipliers yemali, kusukela kokubili bahlinza ingxenye yezimali ekusetshenzisweni kwezimali. Bank (imali) Okuphindaphinda - ukukhulisa inani lemali ukuthengisela, okuyinto umphumela okuqhubekayo imali ebolekiswayo ebhange kanye idiphozi imisebenzi. Central Bank ulawula umsebenzi nezinye ngamabhange, okuyinto ezikhiqizwa izidingo ezikhethekile Reserve.

Kuphela ohlelweni Banking kungenzeka uhlanganyele izithombe yemali. ilungu ngamunye akunalo igunya phezu kwabo ezinjalo. Kungenzeka ukuba sicabangele isibonelo esikhethekile. izinhlangano Credit baye ukugembula esiqiwini amandla in lemali amaphesenti ayisihlanu. Uma ikhasimende ubeka ebhange ku-akhawunti idiphozi ruble ayizigidi eyodwa, ruble amahlanu babo bawe on akhawunti umlobeli e Central Bank, futhi ayisishiyagalolunye namashumi amahlanu zimi ibhange ngesikhathi futhi ikhishwe ngesikweletu. Kuleli nani, nezinye sesikweletu kuthatha ezinhlanu amaphesenti angu inqolobane, kanye lemali esele imali esalele. Ngenxa yalokho, inani elandayo labantu base-non-imali izimali ohlelweni yasebhange.

Le nqubo ibizwa ngokuthi i-credit. Wabuye iqanjwe ukunwetshwa credit. Ukuya udaba wesikweletu imali ohlelweni yasebhange. Ukungqubuzana kwezingqimba ezinkulu credit Kwenziwa lapho iklayenti uyahoxa loan. Supply imali akashintshi. Ngakho kukhona nokwanda noma wehlise ke. Ukubala isilinganiso, okuyinto Okuphindaphinda yasebhange, imali, kubalulekile ukubala isilinganiso phakathi supply imali futhi base. Uma ukwanda iphesenti komsebenzi ayimpoqo, amathuba encishisiwe uhlelo yasebhange ukudala credit udaba, futhi okuphambene nalokho.

Amanani abawayo, uma ufuna ukuze sikhuthaze umnotho. Ngakho kukhona nokwanda supply imali, futhi kunciphisa iphesenti loan. isinyathelo ephambene esithathwayo uma kunosongo emali.

Esikhathini Russian Federation, eyasungulwa umthetho, ukuthi kuphela Central Bank inelungelo ukulawula ukuphuma imali non-cash, futhi ngenxa yalokho bakwazi unciphise noma ukwandisa ngamabhange amathuba abo nokulingana. I Okuphindaphinda imali ibalwa njengoba izinga ukwanda lemali idiphozi ngesikhathi ngamabhange ngesikhathi isisindo wezimali ka yokuhamba komunye ebhange kwenye. Lokhu kulinganisela akakwazi ukukufinyelela seqiwe ngoba ingxenye izimali labetibambile kodwa zibe sebuthweni lezokuvikela khulula, akuyona sibhekiswe abolekise imisebenzi.

Cartoonist, njengoba ukunyakaza supply imali - yikambiso yangamalanga. Bala Coefficient yayo can kuphela isikhathi esithile.