Kwicandelo logcino nemimiselo yayo

utshintsho olusandukubakho kuqoqosho lwehlabathi lubonisa ukuba ukwanda ukuxhomekeka ithi ekusebenzeni kwisigaba zemali kunye namatyala. Ngamnye ngonyaka, izinto zoshishino mali, urhulumente kunye nabasebenzisi zikhule kakhulu, ukuba bakhonze ezi zidingo kunye nenkqubo leebhanki ekhoyo.

Yintoni na ibhanki

Iibhanki lukwa yinxalenye yazo naziphi na kuqoqosho, nokuba lwehlabathi, wesizwe okanye lommandla. Abantu, amashishini, urhulumente kunye nezinye unxibelelwano zemali phakathi nxaxheba zebhanki.

I-Bank liziko zemali kunye namatyala, leyo uwugcinayo imisebenzi kunye nemali, izibambiso, isinyithi kunye neemfanelo yesivumelwano, isifundo kuzo imali okanye ezinye izixhobo zemali, ezifana sivumelwano of ukunikezelwa.

Kukho, ngokwengqiqo ebanzi, ezimbini iintlobo yeebhanki :

• Central Bank - kwiziko loluntu, nto leyo siyahlukana kwezinye amagunya ophetheyo imigaqo-nkqubo yezemali kunye emali, uvelisa kweliso amaziko ezemali, ubonelela ukukhutshwa kwemali kunye norhulumente izibambiso, mboleko kwiibhanki zorhwebo. Necandelo logcino-phantsi kweliso Central Bank.
• kwibhanki zorhwebo - ziko labucala okanye loluntu emiselwe ngenjongo yokuba nitsala ingeniso evela kwimisebenzi zebhanki.

Iimfuneko iibhanki

Le isiseko somthetho nokusekwa lebhanki ngumthetho "Kwi umsebenzi zebhanki", enika iimfuno eziyimfuneko ukuze ufumane ilayisensi:

• Inhloko - 18 million;
• uluhlu lwamaxwebhu;
• "Olunyulu" irhafu zoshishino ibali wabaseki;
• ukufumaneka ulawulo lomngcipheko kunye eyinkunzi kunye nenkqubo zincwadi lwangaphakathi.

Kufuneka kuqatshelwe ukuba ukungathotyelwa kunye uMthetho ithetha ukwala kufanelekile ye-Central Bank ukuba akhuphe ilayisenisi. Kwakhona, ukuba iziko elisemthethweni uzalisekisa imicimbi zebhanki ngaphandle mvume afanelekileyo, oko ububandezwayo yonke ingeniso esuka kwimisebenzi enjalo, kwaye kwanyanzeleka ukuba ahlawule isohlwayo sama kabini isixa yobukhulu balo kwicala le mali federal.

Kwicandelo logcino kwakhona phantsi kweliso arhente yokulinganisela enokuthenjwa ezifana Fitch Rating, S & P, Moody kaThixo, kunye nabanye. Ukuhlolwa kwazo imisela ukuthembeka kunye nozinzo kumaziko ngetyala kangangeminyaka eliqela, amanqaku aphezulu ka ibhanki ukunyusa nomtsalane okhulayo kwamanye amaziko zemali abagcinisa.

iinkonzo banking

imisebenzi zebhanki kumba, inkoliso iibhanki benze kuqala kuphela xa inxalenye yazo, ngoko ke uhlobo engeyiyi uhlobo lomsebenzi:

• iibhanki Universal. Bona inxaxheba phantse zonke iindidi zemisebenzi zebhanki, ezifana Sberbank, VTB 24.
• banks Investment. Ethatha inxaxheba mali kunye intelekelelo kwiimarike zemali, ezifana BCS, i eFinland.
• banks yeSebe. ubukhulu becala ukuba abandakanyeke ukuboleka nkonzo amashishini, afana neBhanki Agricultural, yeICB.
• iibhanki ezizodwa. Yenza uluhlu imxinwa izibophelelo yebhanki okanye inkqubo inkonzo engekho semgangathweni, ezifana Gazprombank, "Tinkoff".

kwicandelo Banking ibandakanya oku kulandelayo imisebenzi zebhanki :

• Ukubolekisana.
• Kweso.
• Service Transaction.
• iinkonzo labarhwebi.
• Investment.
• Lwemali exchange.
• Ukubekwa amatye anqabileyo.
• imisebenzi yokuqasha.
• ulawulo lweempahla-asethi zemali.

ulawulo zomthetho of zokubhankisha: Amathuba Imida

yecandelo lezimali kunye logcino-phantsi ummiselo zomthetho nezemali. Ukususela ngokombono umthetho, iibhanki kuxhomekeke isambuku izenzo nemithetho elawula imisebenzi zebhanki. ERashiya, engundoqo apho uMthetho Federal "On umsebenzi zebhanki", kunye, umzekelo, ulwalamano phakathi umboleki kunye zebhanki ilawulwa yi-Code Civil.

Ngokumalunga ummiselo-mali, oko umveleli neebhanki zorhwebo yi-Central Bank. Ikhupha kwaye yayirhoxisa iilayisenisi, lijonga imeko yemali ebhankini, ingakumbi, kufuneka amatyala ezaneleyo, elubala zentengiselwano, inqanaba loovimba kwiphepha lomncono, umisela imigangatho-mali, njalo njalo. D.

umthetho Russian unika inshorensi yesibambiso abantu kwimeko-mvume yebhanki iyarhoxiswa, isixa - ukuya ku-1.4 miliyoni engange, kwaye phantsi inshorensi iwela kwakhona umdla iminikelo emfono ngexesha zokurhoxa le mvume. Eli lungiselelo umthetho awukho semthethweni ngenxa amaqumrhu asemthethweni.