Imisebenzi ka ngamabhange nencazelo yawo. Izikhombisi eyinhloko umsebenzi ngamabhange.

IBhange uphiko isakhi lwemali. Ngokuya ezezimali, inhlangano uba umlamuleli e ukuphuma nokungena kwezimali ezivela umbolekisi ukuthi lo muntu obolekayo nokusuka abasabalalisi kubathengi. Ukuze amabhange, ejwayelekile zokwenana double futhi kucatshangwa nezikweletu uhlobo kwemibandela izikweletu loan, okuyinto eqondiswa. Commercial Bank siyingxenye ye ohlelweni credit yezwe, okubandakanya Central Bank, zokuthenga ngesikweletu kanye namagatsha amabhange angaphandle.

Amabhange kufanele ukubaluleka ezehlukile, ngokukhethekile, bangase yakha yokukhokha nokukhululwa kwabo kwegazi. Ngaphezu kwalokho, amabhange baphathe ukheshi okwesula kwegazi. Kulesi sisekelo, kufanele kuphawulwe ukuthi amabhange njengokukwethembisa kwakhe, utsheleke emkhakheni yomnotho ye-Russian Federation, ukwenza ngcono ukuthuthukiswa yayo. Izimiso imisebenzi commercial amabhange baqamekela yokuthi inhlangano esebenza ngaphakathi izinsiza ezitholakala ngezimo ubudlelwane emakethe nge amakhasimende ayo. Ngakho, ngamabhange ukuze lelisu nokusebenza kwabo ngaphakathi kwemingcele yemali esele ku -akhawunti umlobeli zinhlobo aphoyintimenti siqu. The kungenzeka senza lokhu yalemisebenzi, njengoba imisebenzi ebaluleke kakhulu ngamabhange Yiqiniso, ikhona.

Okunye okumelwe ukucabangele - umyalelo eqondile ukusebenza ukuthi baziwa utshalomali kanye mortgage. Amathuba okuphathwa yiyo imisebenzi enjalo isandla predetermined Ishidi isakhiwo. Lokhu isimo kudinga inhlangano umsebenzi onzima kukhethwa imithombo ukudala ezintweni zabo siqu. Asebenza ngaphakathi imithombo siqu ephakanyiswe zinhlobo angakwazi ukukhokhela amabhange ambalwa nje. Lezi ezimbalwa izinhlangano isikweletu kufanele abe ezingeni eliphezulu yokuzimela ngo inzuzo kwezomnotho eRussia, ngenkathi iqinisekisa ukuthi impahla ibe yimali yalo.

Imisebenzi ka ngamabhange ku kucocisana. Lezi imisebenzi ngamabhange abazimisele lesikweletu ukonga kokuvusayo e ethuthukisa ezomnotho izinkokhelo phakathi izifundo zomthetho kanye izibambiso ukuthengiselana. Ngaphezu kwalokho, akungabazeki yokuthi ngamabhange umsebenzi inquma yokuthi kulezi zinhlangano, nge ukufuneka kakhulu credit umphakathi kumele ihlanganise ukonga umnotho futhi kudaleke namathuba ephezulu ukuze okukhuthaza ekuqongeleleni imali ngesisekelo izinqubomgomo eqine ukusetshenziswa kwabo zamanje. Amabhange kufanele kuholele Inqubomgomo idiphozi ukuthi ngabe ulungise ezingokoqobo namuhla. Nge imisebenzi ngesimo ezezimali nomdayisi, amabhange imisebenzi yemvelo umlamuli izivumelwano of ukudayiswa izibambiso ye-akhawunti kanye kumiyalo ikhasimende lakhe. Imisebenzi ka ngamabhange nazo uzwakalise ezindaweni zawo lomsebenzi.

Ngakho, ibhange uqhuba ukuthengiselana ukuthi zihlukaniswe amaqembu amabili amakhulu - yekwentiwa. imisebenzi Passive ukucacisa imithombo kwezimali kanye nesimo ubudlelwane yasebhange imisebenzi yezimali ukuheha izimali ku amabhange, ukudalwa ngempahla yabo.

uhlobo asebenzayo zokusebenza yilezi imisebenzi yebhange okuhloswe ngazo ukwenza ibhayisikobho engenisa inzuzo nokugcina impahla ibe yimali. Lezi zinhlobo ukuthengiselana yasebhange zihlanganisa: imali, obolekisayo imisebenzi, kanye loan ezimali imisebenzi. Imali kukhona imali elalenziwe ebhange. Agcinwa akhawunti asebhange futhi zisetshenziswa ngokuhambisana esiqinile imithetho yasebhange yezwe. Bekanye ezifakwa lingabonakala futhi ekwandeni kwamanye nezibopho ibhange - lokhu wabuye waphakamisa imali, kodwa okungezona idiphozi izakhiwo. ebhange yabo kuthatha ifomu imalimboleko noma ukudayiswa kwezikweletu ngabanye emakethe yezimali. Lezi ngokuvamile imisebenzi eyisisekelo ngamabhange.