Kuyini zezimali yebhange

Kwathi lapho ibhange uyakwazi ukuhlangabezana nezibopho zabo, ngisho nomqondo onjalo ubizwa ngokuthi zezimali ebhange. Bank zezimali kuncike degree of imisebenzi ingozi. Okungukuthi, abangabantwana ezinengcebo nengozi phezulu ebhange sika-balance sheet, the ephansi zezimali ebhange. Ukuze izimpahla nge ingozi okusezingeni eliphezulu zihlanganisa, isibonelo, yesikhathi eside nokutshalwa kwezimali ebhange. amafa Ngaphansi okuyingozi zihlanganisa imali ebhange amanothi. credit degree sithinta kakhulu zezimali ebhange, okufaka phakathi kokukhokha ngokushesha imalimboleko.

Futhi, i-zezimali ibhalansi yasebhange incike isakhiwo ishidi balance. Ngokwesibonelo, funa ezifakwa ingatholakala yilabo abatshala izimali, nganoma yisiphi isikhathi, futhi isikhathi ezifakwa eyenziwe amabhange okwesikhathi eside. Ngakho-ke, impahla ibe yimali ebhange ingahlukana kakhulu ziyancipha uma ukwanda yisabelo funa imali kanye ukunciphisa share imali fixed eside. On ezingeni of impahla ibe yimali kungathinta futhi izinto ezifana ukuthembeka ukubolekisa kanye imali, okuyinto kuye kwakhishwa ezinye credit izikhungo yasebhange.

Ekuhloleni solvency futhi zezimali ebhange, ungakwazi ukunquma ukuthi ibhange isebenza. A kungenziwa esikalini ngokusebenzisa izinkomba ekhethekile sibonakalisa ratio ngokuqondene nezimpahla kanye nezikweletu, kanye nesakhiwo amafa. Ezingeni international, usebenzisa ekhethekile zezimali okungu iyona ratio imali nezimpahla kanye nezikweletu. Zezimali izinkomba emazweni ahlukahlukene ingase ibe indlela ezahlukene ukubala kanye negama. Konke kuncike kulokho izwe ngalinye imikhuba yayo kanye namasiko. Ukuze ukuhlola zezimali ebhange, kubalulekile ukusebenzisa izici medium futhi zezimali yesikhashana. Kwezinye amabhange izinga zezimali kunqunywa imithetho yasebhange kanye neminye imigwamanda ezimisiwe lwemali kanye yasebhange kwabaqaphi. Izinga namandla okwenza nezikweletu ibhange kubonakala ngokusebenzisa ukuqhathanisa namazinga osungulwe futhi enenani Coefficient ebhange.

izikweletu Ibhange sika ukuhlukanisa abangahle futhi langempela. Abazama off-balance sheet ukuthengiselana anikezwe yokwenziwa, isibonelo, wakhipha isiqinisekiso ebhange kanye iwaranti. Futhi, abangahle off-balance sheet nezikweletu zihlanganisa Ngokwesibonelo asebenzayo opertsii izinhlamvu credit. I ukuzinikela kwangempela ingafaka yasebhange balance sheet, okuyinto sivezwe kula ifomu imali uphoqe esiphuthumayo, kusho abakweletwayo futhi ukuboleka. Ukuze afeze lezi zibopho zingakhiqiza imithombo kwezimali, okuyinto njengamaphesenti ibhalansi imali esesandleni, amafa zidluliselwa ku imali kanye neminye imithombo. Ukusetshenziswa imithombo yedatha, ibhange akufanele ephelezelwa ukulahlekelwa.

zezimali Ibhange sika lingachazwa ngokuthi isimo ashukumisayo, eveza ikhono ukuhlangabezana nezibopho zakhe, ngqo emabhange abakweletwayo ngenxa yokuthi ephethe izimpahla zayo siqu kanye nezikweletu. Solvency ihlelwe izinsuku eziqondile, ngokungafani zezimali, isibonelo, lapho icala inkokhelo abasebenzi noma lapho kudingeka ukukhokha izintela isabelomali. Lihlela isilinganiso phakathi kwama-solvency futhi zezimali kuholela esimweni esinjalo, ibhange angeke ukuhlangabezana nezibopho zakhe inkokhelo futhi kungaba aqhubeke ewuketshezi. Ukungabi zezimali kuholela ehlelekile ezikweletini. Lo mqondo ungase usho ukuthini njengoba ukungakwazi yasebhange ukuthola imithombo ukukhokha izikweletu kanye nezibopho yayo isakhiwo sangaphakathi, futhi ukungabi nakwenzeka kwento zifinyelele ekuvuthweni nezikweletu kweminye imithombo yangaphandle.