Nidaamka Credit: dhinacyada ay ugu muhiimsan iyo mabaadi'da hawlgalka

Erayga "nidaamka credit" waxaa loo arkaa by khubaro ka dhowr dhibcood of view. Dhinaca mid, waxaa ka mid ah dhammaan hay'adaha credit ee heerarka kala duwan, oo ku lug leh bixinta adeegyada bangiyada kala duwan. Dhinaca kale - waa set oo ah shuruucda iyo mabaadi'da on taas oo ku shaqaynaysa oo dhan nidaamka bangiyada.

Currently, nidaamka credit ee ku dhow dalalka oo dhan waxaa ku jira saddex heer oo asaasi ah. Heerka ugu horeysay daboolayaa bangiga dhexe ama qaran ee dalka. Waxaa qabata shaqo ee gacanta heerarka kale, marka lagu daro, bangiga xaq u of bixinta lacag caddaan ah. Taas macnaheedu waxa weeye in ay masuul ka yihiin sharci waa helitaanka lacagta ee wareegga. Bankiga Dhexe ee fuliya mid ka mid ah hawlaha ugu muhiimsan: ku hawllan yahay kaydinta kaydka. Xaaladaha qaarkood, waxa uu siiyaa deyn dadweynaha maamulka ama bangiyada ganacsiga in ay hoos u unugyada iyo qoondaysaa securities dowladda. Nidaamka dhibcaha ayaa waxaa loo qabanqaabiyaa sidan oo kale in shaqada gobolka Bank Qaranka iyo wada si ay u gaaraan gool qaar ka mid ah, laakiin waxa ma saamayn danaha kasta oo kale. Tusaale ahaan, bangiga ugu weyn ee dalka ka fulisaa hawlo horumartay by Dowladda iyo gudbiyo ee siyaasadda lacagta ee gobolka.

heerka labaad ee nidaamka credit waxaa iska leh set ee bangiyada ganacsiga. Ujeedada ugu weyn ee ay hawlaha waxaa loo arkaa in la samaynta faa'iido ah in lacagta ugu badan. Tani waxay sidoo kale waa farqiga ugu weyn ee ka bangiga dhexe, sida hawlaha ay ka mid qaanuunka ah iyo gacan ku haynta. hay'adaha Credit kuwo gaar u ah ganacsiga waa ku saleysan nidaamka bangiyada oo dhan, sida ay u dhaqmaan sida dhex- u dhaxeysa dadka iyo dawladda. Sida laga soo xigtay aragti dhaqaale, bangi in dareen buuxa ee erayga, kaliya ururka la oran karo waa, taas oo qabata saddex hawlood oo waaweyn: deposit, bixinta, credit. bangiga dhexe ee go'aankeeda, go'aansado hadii uu soo saari bangi gaar ah liisanka. Laakiin dambe ma xaq u leeyihiin inay fuliyaan hawlaha iyaga oo aan ruqsad haysan, in uu yahay, in la yidhaahdo, macaamil kasta oo lagu dhawaaqi doonaa waxba kama jiraan.

nidaamka credit Ruush presupposes jiritaanka heerka saddexaad, taas oo ka mid ah hay'adaha maaliyadda gaarka ah. Sida caadiga ah, kuwaas oo ka jira ururo in ay heleen xaq u leeyihiin inay bixiyaan noocyo ka mid ah hawlaha, laakiin bangiga ayaa ku baaqay in dareen buuxa ma karo. Si hay'adahaas ka mid ah lacagta hawlgabka, caymiska iyo shirkadaha la kiraysto, maalgashiga iyo ururka kaydka. Sidaas darteed, ayaa sal u ah in ay hawl ka mid ah adeegyada bangiyada qaarkood. Tusaale ahaan, ururka bangiyada kaydka waxa inta badan abuura sida hay'ad gaar ah ujeedada aruursaday lacag oo ka mid ah dadweynaha iyo qeybiyey dheeraad ah oo ah qaab ah deeqaha iyo daymaha, siiyey oo ku salaysan muddo gaaban ah. view amaahda muddada dheer la oran karo waa sida lacagta hawlgabka, maadaama ay yihiin muddo dheer isku uruursadaan lacagaha on xaalad lacagta soo noqnoqda ee mustaqbalka. Laakiin ilaa inta xilliga qoray ayaa uma iman in loo maal tiro lagu meeleyn karaa ee u bannaan, tusaale ahaan, iyada oo siinaysa amaah.

Tani qaybinta heerarka kuu ogolaanayaa inaad si loo dardar hay'adaha maaliyadeed jira, taas oo si weyn u fududeeya habka of control iyaga u taliya. Si kastaba ha ahaatee, ma dalalka oo dhan waxay leeyihiin nidaam dhaqaale oo credit u qaybsan yahay saddex heer ugu weyn. Dadka qaar ayaa doorbida in la muujiyo oo kaliya labada ugu horreeya, waxay ku xiran tahay heerka uu gaarsiisan horumarinta dhaqaale ee dal. Intaa waxaa dheer, nidaamka dalka kasta uu leeyahay sifooyin u gaar ah. Tusaale ahaan, in Maraykanka uu jiro kala qeybinta gobolka galay dalalka kala gooni ah, oo gobol kasta kaalinta ay bangiga dhexe u gaar ah. Sayidka, nidaamka credit American heerka ugu horeysay ee ka mid ah 12 bangiyada qaranka.