Bank ulawulo Cash

Ulawulo naliphi na iziko dynamically ekuphuhliseni ngetyala kufuneka kufuna ukuqinisekisa ukuba ixabiso yebhanki besondela eliphezulu, oko kukuthi, ibhanki yenza inzuzo kwinqanaba elithile lomngcipheko. Ngenxa yoko, ulawulo lomngcipheko ebhankini yinkqubo entsonkothileyo kuquka ulawulo lokungena nokuphuma kwemali, esweni rhoqo amathuba okuba sengozini yokulahlekelwa kunye nokuthintela yayo inkonzo eyiyo, ukukhethwa kwabasebenzi abaqeqeshiweyo kwi kwizikhundla eziqhelekileyo kunye nokukhokela nokuphumeza iinkqubo automated.

iingozi Banking bohlulwa babe ngamaqela ezininzi eziphambili:

1. ubungozi Financial, eziquka iimarike kunye lwemali lomngcipheko, umngcipheko amatyala, umyinge wenzala kunye kubungozi bamatyala, umngcipheko eyinkunzi ukwanela, isakhiwo lomncono, iingxelo zemali.

2. Ishishini umngcipheko, kuquka ubungozi kwezibonelelo zemali, ezomthetho, emarikeni.

3. iingozi iimeko zonxunguphalo, phakathi zeziphi iingozi zezopolitiko lobunzima zebhanki kwilizwe indawo ngaseludinini, kukho nabavela phesheya.

4. ubungozi zoMsebenzi, kubandakanywa abasebenzi ubuqhetseba okanye abathengi, imingcipheko ukusilela zeteknoloji, isicwangciso ezikhethiweyo kunye nenkqubo zangaphakathi kwiziko lamatyala.

Eyona kunzima kakhulu ukulawula imingcipheko zithathwa likaxakeka, njengoko badla ke kuvela ngokuqhutywa ngumdla kwaye ayikwazi kwangethuba, ingakumbi ukuba naziphi na ii-asethi yebhanki ibekwe kwelinye ilizwe. Umzekelo, ukuvalwa kwimisebenzi kunye iidipozithi kwelinye ilizwe negates ulawulo lokungena nokuphuma kwemali, nto leyo kumele lifike ngendlela enye okanye kwenye ibhanki. Abanye imingcipheko ngeendlela olungathintelwa okanye lucuthwe kwaye ube yimpumelelo.

Ngenxa yokuba ukuba imisebenzi ibhanki eziphambili zezi ezifana ukuqokelela imali uze uzenze zifumaneke ngohlobo-mboleko, nenxaxheba ebalulekileyo umngcipheko ebhankini yeentengo zemboleko ezikuyo. Oku kuquka ukuba nokwenzeka kokuba umboleki nto umva ahlawule imali mboleko ngokupheleleyo, uya kubuyela inxalenye kuphela okanye aqhube umsebenzi ukubuya emva kwexesha elibekiweyo.

Phakathi kubungozi bamatyala nokukhululwa ukholo embi ngabantu, non-intlawulo eyenziwa lweeklayenti ezikushishino, kwakunye iingozi ukuba nawuphi na urhulumente uza kuphulukana ukukwazi ukuhlawula uxanduva lwalo (geqe).

ulawulo lomngcipheko Credit lubandakanya:

- ulawulo portfolio lekhredithi ibhanki yakhe, imigaqo ziboniswe kwi-nkqubo efanelekileyo isicwangciso nokubekwa kwezibonelelo ngetyala, etc;.

- ekwenzeni credit imisebenzi (-mboleko kufuneka ibuyiselwe, yenza inzuzo kwaye ukuba ezifunwayo kwimarike);

- esweni rhoqo umgangatho portfolio mboleko;

- ulwabiwo-mboleko kakuhle non, kunye namanyathelo ukubuya kwabo;

- ukuncitshiswa umngcipheko ngetyala ngokunciphisa mboleko phezu-enkulu kuye nawuphi na umntu, ummandla okanye kwilizwe, ukwakhiwa kwenkqubo lwasemva lwe ilahleko ngetyala kunye nabanye.

Ukongeza okuhlawula amatyala, ibhanki kufuneka imali iidipozithi, njengoko akhawunti yawo eziveliswe kuphela inani elincinane yokubolekisa ngemali. Ukuze avelise ngendlela eyiyo ulawulo cash flow, kuyimfuneko ukuba ukuhlalutya iintsingiselo ngokubanzi kwezoqoqosho kunye yintengiso okhuphisana ukumisela irhafu inzala iidipozithi, nomtsalane kubathengi ukuba igama elihle, ukuboleka imali kwi kwimarike ozalwa ngayo, ukuhlangabezana neemfuneko zolawulo kunikezelo izibambiso zayo, kusilungele, ukutyala iimali ezifunyenweyo kuthetha, umzekelo, kwi-stock okanye lwemali iimarike, kunye nabanye.

Ukulawula yokuhamba kwemali ye yebhanki yinkqubo engelula, isiphumo ekupheleni ekufuneka ibe ngokupheleleyo isakhiwo lomncono, ngokubonelela ingeniso kwinqanaba ezinqwenelekayo lobungozi nokuthotyelwa kunye nemimiselo kunye nemithetho ekhoyo.