Kor. ngu - ebalulekile akhawunti asebhange

Imibiko, noma okuthiwa "Kor." - uhlobo calculus ezilotshwe futhi kamuva ukuboniswa zonke izinhlobo imisebenzi ebhange, ngokuvumelana isivumelwano umlobeli uzibophezele. Ngamanye amazwi, lo mqondo eqala openable credit inhlangano ye-akhawunti yasebhange, esetshenziselwa obumba Isikhwama inqolobane noma enumerations ezahlukene ekhiqizwa isakhiwo esesikhulume ngazo. Njengomthetho, lapho kusungulwa i-Central Bank of lizwe futhi isiphi isakhiwo commercial sangena phakathi inkontileka, okuyinto ukuze kubhekelelwe impahla okuyinto bangabanikazi.

zinhlobo

Njenganoma iyiphi enye elithi zezimali, Kor. ngu - umqondo ukuthi inezici ezinhle eziningana izinkomba. Kukhona izinhlobo ezintathu izilinganiso: Loro, nostro futhi vostro. Ake sicabangele ngayinye yalezi zinkulumo. Ngakho, uhlobo lokuqala isetshenziswa ukunquma akhawunti ukuvulwa IBamba yasebhange njengendlela umlobeli othile, isikhungo okuyinto kummangalelwa. Ngamanye amazwi, i armature ezinjalo. ngu Sberbank ibonisa yonke imisebenzi yanoma yimuphi enye inhlangano. La marekhodi usungenile inkampani yimaphi. Futhi, nostro kwekhora. ngu - izibalo kwezinhlangano ummangalelwa ukuthi wasayina isivumelwano ebhange umlobeli. Ukuze okuvula, udabule isibonelo. Amabhanga Amabili (A no B) wangena esivumelwaneni umlobeli. Uma kwenzeka ukuthi ukusungulwa Isidingo ukuze uthumele ethile, kungaba ukusizakala akhawunti yayo nostro ku B. yasebhange Ngakolunye uhlangothi, uma kukhona isidingo izibalo zezimali e isakhiwo B, yonke imisebenzi eyenziwa kuyobonakala ku umlobeli akhawunti yebhange Loro A. Mane ethi, nostro - akhawunti yethu kwelinye ibhange kanye Loro - bona akhawunti yethu. Lapho lezi zinhlobo ezimbili zokuqala baba olwaluqondwa abantu abaningi, ungakwazi uqhubekele uhlobo yokugcina imibiko akhawunti - evulekile. Sici Its main wukuthi inkontileka esiphakathi Central Bank futhi yiyiphi i-ejensi angaphandle, ukukhokhela okuyinto poizvodyatsya noma yendawo noma amasheke amanothi ezweni lesithathu. Lenchazelo aphelele ngaphezulu, ngakho-ke kuyabonakala ngisho nabantwana bami ababili bokuqala.

typology

Ngaphezu kwalokho, ungakwazi ukukhetha omunye ngezigaba, owawuthi umlobeli akhawunti ovelele ziphela phakathi commercial futhi Central Bank yezwe, futhi phakathi izinhlangano ezimbili kwezohwebo. Uhlobo lokuqala kwenzeka uma udala emisha yasebhange, kwakhiwa dolobha lapho ogunyazwe yayo. Phezu kokuphothula le nqubo, Central Bank kufanele sikhiphe ilayisensi ukuba afeze imisebenzi yasebhange, futhi ngemva kokubhaliswa isimo core ekhona. akhawunti lingasetshenziswa njengoba oluthile ezimali imishini futhi indlela yokusebenzisa ukuthengiselana lokukhokha. Uhlobo lwesibili, esikhundleni salokho, kusho ukuba khona isivumelwano phakathi Amabhanga Amabili kwezohwebo, okuyinto usungula inqubo ethize iqhaza kokubili imitimba izibalo zezimali namaklayenti.

aphoyintimenti

Kufanele kuqashelwe ukuthi ekujuleni kwenhliziyo. ye-akhawunti yasebhange kuvame kakhulu ukuba kusetshenziswe i-Imali ethunyelwe. Lwemali zingase zihluke, kodwa isazoqhubeka kukhonjwe akhawunti eyodwa umlobeli. Ngaphezu kwalokho, njengoba kushiwo ngaphambili, amabhange kungaba usebenza calculus ngenhla ukuba alandise impahla yabo.

ukuqokwa

Njengezinye eziningi izincazelo zezimali akhawunti umlobeli ikuvumela ukuba ngemfihlo yonke imininingwane edingekayo kuleli notation ezinombolo. Central Bank of Russia wanquma ukuthi ekujuleni kwenhliziyo. ngu - izinhlamvu amabili, izinombolo zokuqala ezintathu ebonisa calculus yendabuko oda wokuqala (301), kanti owokugcina uyoba ngo izinombolo ezintathu aqukethe ulwazi mayelana enamadijithi amathathu-inombolo ikhodi settlement umhlanganyeli. Ngokwesibonelo, kuya / kusuka 30101810600000000957.