Ubungozi beBusiness Bank

Ukusetshenziswa kwamanzi kusho, ngomqondo wangempela, ukukhululeka kokusebenza, okusho ukuguqulwa kwamagugu okubaluleka kwemvelo kube yimali. Kunemibono enjalo yokuthengwa kwemali njengokwehliswa kwemakethe, ibhange, ibhalansi kanye nempahla.

Ubungozi bebhange lebhizinisi lisho ukuthi i-solvency yayo. Ibhange lithengisa uketshezi uma inani lemali yalo lonke imali, ezinye izimpahla zamanzi kanye nekhono lokukhulisa izimali ezivela emithonjeni yazo okwesikhashana zanele ukukhokha zonke izibopho zezimali nezikweletu.

Ngaphezu kwalokho, ibhange kufanele libe nesitoreji samanzi, okudingekayo ukuhlangabezana nezidingo zezezimali ezikhulayo. Izindleko ezifanelekile zamabhange ezentengiselwano ngezindlela eziningi zikwazi ukuvikela isikhundla sebhange uma kwenzeka izimo ezingahlelelwe.

Ukuphathwa kwamanzi ebhange lokuhweba kusho izinyathelo ezingokoqobo zokuqapha isimo sezinkomba zokukhipha izimpahla kanye nokuzimisela ukusabela kunoma yiluphi uhlobo lokuphambene nemikhuba.

Ngokwalokho, izindawo ezinjalo zokwandisa ukuthengwa kwebhange njengemfuno yokukhokhwa kwemali mboleko ekhishwe ngokufunwa, okungewona ukuvuselelwa kwemali mboleko, ukwandiswa kwemisebenzi engavamile, ukukhishwa kwezitifiketi zokufaka imali, ukuthengiswa kwengxenye ethile yephothifoliyo yokugcinwa kwemali, kanye nokubolekwa kwemali mboleko evela eBhange Elikhulu.

Ukuze kugcinwe isikhundla esimisiwe, ibhange kumele libe nesitoreji esithile sezimali. Kubalulekile ukumboza izibopho ezingalindelekile ezibangelwa izimo ezihlukahlukene zangaphandle nezangaphakathi.

Ukukhishwa kwebhange lokuhweba kuncike esimweni sezombangazwe ezweni, ukubonakala kwezomnotho esilinganisweni sikahulumeni, isimo semakethe yonke yemali, amathuba okuvuselela iBhange eliPhezulu, isimo semakethe yezimfihlo, ukuthuthukiswa komthetho webhange, ukwethembeka kwamakhasimende, uhlobo lokuphathwa ebhange, ukuhlinzeka ngemali yokulingana, njll njll.

Amabhange aseMelika alawula ukukhishwa kwebhange lokuhweba ngokubeka imingcele emalini ebhange, imingcele yesikweletu somboleki oyedwa, ukulawula ukukhishwa kwemali mboleko ngemali enkulu ikakhulukazi, uhlelo lokubuyisela kabusha kanye nokugcinwa okuyimpoqo kwesigaba esithile sezimali eziphakanyisiwe, inqubomgomo yezinga lentengo, ukuthengiswa kwemali yesibambiso, njll. I-solvency yaseRussia yamabhange ezentengiselwano iphinde ibe ngaphansi komthethonqubo.

Ukuze kugcinwe ukheshi, ibhange lizodinga ukubikezela isimo sokungena kwemali edingekayo kanye negama elithi "elingathembeki" elibekiwe, ukwanda kwesidingo semali mboleko kanye nezinye izimo zesimo sezomnotho.

Ukuphatha ukuthengiswa kwemali, ibhange kumele libeke ngokufanele izimpahla nezikweletu. Kule ndlela, amatafula e-akhawunti ahlelwe futhi anqume ukuthi yiyiphi ingxenye yezinkokhelo okufanele ifakwe kuma-athikili e-liquide yama-akhawunti asebenzayo ukuze kuvinjelwe ukwehla kwesilinganiso se-liquidity.

Ukuthengiswa kwebhange lokuhweba kuncike esimweni sempahla yaso. Ngokuya ngokulula kokudlulisela imali ngemali, izimpahla zebhange zihlukaniswe zibe yiziqukathi zamakhemikhali.

Izimali zamanzi zikulungele ngokushesha. Lena irejista yemali, izikweletu zokuqala, izinsimbi eziyigugu, izibambiso zikahulumeni, izimali kwi- akhawunti yokuxhumana neBhange Elikhulu.

Izimpahla zamanzi ezikhona ebhange, futhi zingashintshwa zibe yimali, ziboleke imali futhi zikhokhiswe ebhange isikhathi esingeqi inyanga eyodwa; Ukuthengiswa kwempahla ngokomthetho; Amanye amanani (kufaka phakathi impahla engabonakali).

Impahla yama-Illiquid ayizikweletu ezingathembekile; Imalimboleko engaphezulu; Ukutshalwa kwezimali ku-real estate, izakhiwo nezakhiwo zebhange; Amasheya angabanjwanga.

Ukuze kugcinwe ukuthengiswa kwebhange, akunakwenzeka ukuphakamisa imali ngesikhathi esifushane ngezimali zesikhathi eside.

Ukwehliswa kwebhange lokuhweba (izinga layo) kusetshenziselwa ukuhlola ngokuqhathanisa izinkomba zalo zokuthengiswa kwemikhakha kanye nemigomo esungulwe yiCentral Bank of Russia.