Hantida bangiga iyo hawlaha firfircoon ee bangiyada ganacsiga

hawlaha firfircoon ee bangiyada ganacsiga ee hawlaha muhiimka ah ay loogu talagalay in ay soo jiitaan iyo bangiga posted raasamaalka. Tani waxaa ka mid ah: amaahda inay maalgashi ku noocyo kala duwan oo mashaariic ganacsi, helitaanka of securities, factoring iyo beenta, iyo sidoo kale xawaalad biilasha iyo alaabtii. hantida bangiga ee Yeelay kala duwanaayeen heerka uu hantidooda, iyo sidoo kale heerarka faa'iidada iyo riskiness. Heerka sare ee hantidooda, yar ay yihiin faa'iido. hantida bangiga ee foomka of maalgelinta securities-ka iyo deynta muddada dheer, waxay bixiyaan faa'iido ugu weyn. sida caadiga ah waxay leeyihiin khatar ugu sareeya.

hantida bangiga ganacsiga ee kala qaybsan yihiin oo ku saleysan faa'iidada:

- faa'iido: amaahda, securities, factoring, hawlaha la lacagta, beenta, iyo wixii la mid ah;

- aan wax tar lahayn, xisaab wariye, lacagta caddaanka ah, maalgelinta, hantida ma guurtada ah, xisaabaha, lacagta amaaho dulsaar la'aan iyo wixii la mid ah.

Hantida qaaday kala saaraa sida ay degree of hantidooda, ie, heerka ay beddelaa maal iyo lacag kaash ah loogu talagalay bangiga si degdeg ah waajibaadka saaran in ay la xiriira deyn iyo bankiga ay. Si loo helo bangiga fursad maalin walba si loogu bixiyo waajibaadka, qaab-dhismeedka hantida bangiga ee loo baahan yahay in ay waafaqsan shuruudaha hantidooda. Ujeedada this ay kala qaybsan yihiin, taas oo ku xidhan qaybaha hantidooda iyo maturity. hantida bangiga ayaa loo qaybin karaa hantida aadka u dareere ah iyo hantidooda mudada dheer kaliya dareere ah. Si aad u aqbalay ka mid ah: lacag kaash ah oo u dhigma, lacagta ee xisaabaadka ee Bankiga Dhexe, xisaab-wariye, deynta gobolka, maalgashi u xidhnahay, iyo sidoo kale lacag in la helo on xisaab wariye ee bangiyada ka shaqada on fulinta securities ah. Haddii ay lagama maarmaan ah hantida dareere of bangiga noqon karaa ka wareegga. Waxa intaa dheer in kuwan hantida aadka u dareere ah, oo ka kooban dareeraha ku jira oo dhan amaahda in la soo saaray ee lacagaha qalaad iyo qaran, kaas oo xilliga bixinta waa qiyaastii soddon maalmood ah, iyo sidoo kale lacagaha kale in hay'ad credit ah, ballan-qaaday in abaalmarin ee soddon maalmood ee soo socda. The hantida muddo dheer waxaa ka mid ah oo dhan amaahda in la soo saaray ee lacagaha shisheeye iyo kuwa maxalliga, maturity in ka badan hal sano ah, nus ka mid ah ballan qaado in la soo saaray bangiga muddo ka badan hal sano amaahda daahsan saafiga ah ee deymaha in aad loogu balan qaadayo dowladda, jiitaa ammaanka biraha iyo securities. Dhismaha hantida of bangiga ayaa xaddidi doona ugu badnaan sida qumman, halka bangiga waa in si taxadar leh loola socdo fulinta shuruudaha hantidooda, ie, waxay leeyihiin filan aadka dareere ah, muddo dheer-dareere ah iyo hantida dareere qaraabo in deymaha, ku xiran shuruudaha, noocyada iyo xaddiga. Oo uu ku sameeyo heerka hadda, muddo-dheer iyo hantidooda degdeg ah.

shaqada Horudhac ah ee bangiga kasta waxa uu wadaa falanqayn tirakoobka macaamil hantida. In xiriir this waxaa jira go'an gaarka ah ee hawlaha:

- Falanqaynta dhismeedka faylalka amaah ah;

- Falanqaynta ahaa darajadii ka qayb caddaalad;

- falanqaynta dhismeedka hawlgallada iyo isbeddelka wakhtiga;

- Marka la barbardhigo qaab-dhismeedka ee hawlaha bangiyada ';

- qiimaynta fulinta kaydka ugu yaraan statutory khasab ah;

- go'aan ah tayada hantida, gaar ahaan qiimeynta khatarta credit;

- hawlgalka kooxaynta hantida ee heerka hantidooda.

Bank The, iyo sidoo kale shirkadda kasta oo hawsha waa la fuliyay in dhaqaalaha suuqa, ayaa waxa soo wajahay khatar ah ee luma. Ujeedada waxaa ka mid ah waa in loo qoondeeyo hantida fiican loogama, yaraynayo khataraha.