Instruments kwenqubomgomo yemali

Umgomo wezimali kuhloswe wokuthatha amagadango ezithathiwe nguHulumeni endaweni ubudlelwane okwenza imali credit sinombono ukulawulwa izinqubo zezomnotho. Umxhumanisi kokusebenza salo ibhange central. Inqubomgomo ngokwayo wenziwa ngezigaba ezimbili. Isigaba sokuqala - ibhange central inomthelela kwemigomo sphere yemali. Okwesibili esiteji - ukulungiswa imingcele adluliswa nokukhulisa umkhakha wezokukhiqiza. Umphumela yokukhipha ngempumelelo salezi zinyathelo kuyoba ukuzinza sokukhula komnotho, lizinga lalabamnyama labangasebenti kuyinto ngempela ongaphakeme, ezinzile amazinga intengo nokulinganisela isici isimo ibhalansi. Priority ekuzuzeni isimo ngcono kwezomnotho noma iliphi elinye izwe iyona ukuzinza kwentengo ezingeni.

Amathuluzi eyinhloko komgomo wokuboleka amabhange ngezimali kufanele sinomthelela zonke izinqubo zezimali kuleli zwe njengoba kokubili iziyisikhombisa oqondile (noma zokuphatha) kanye engaqondile (noma kwezomnotho). Lokhu kufanele kubonakale ukulawula isimo izinkomba main zezimali, njengoba ibhalansi ukukhokhelwa yezwe.

amathuluzi okuphatha komgomo wokuboleka amabhange ngezimali kufanele ifomu imithetho, iziqondiso, imiyalo, kumelwe usuke Central futhi ulungise imikhawulo njengoba zenzalo, kanye Ukukhishwa sokubolekwayo. Ukulawula kumkhawulo senzalo Kwenziwa sokunquma kumkhawulo isithakazelo loan futhi idiphozi inzalo engako, futhi amanani ukonga imali.

Linganisa ngevolumu loan imisebenzi, siphinde sihlinzekele nangezinhlelo zokusungulwa we mkhawulo wesikweletu daba. Lo mqondo futhi eyaziwa ngaphansi kwaleli gama - "credit uphahla". Ngamanye amazwi, isamba ukubolekisa olunikezwa kwamabhange, ichaza credit ophahleni. Ngemikhawulo efanayo ngevolumu nokukala wesikweletu ukukhula amiselwe zonke ngamabhange. Ngezinye izikhathi umkhawulo wesikweletu isethwe kuphela kwemikhakha ethile emnothweni futhi njengoba abakhethayo nokuphathwa kwezikweletu ezaziwayo. Le ndlela ukuzivumelanisa umkhawulo usebenza imikhawulo irekhodi amanothi umkhawulo wesikweletu ku ukusetshenziswa.

amathuluzi eqondile komgomo wokuboleka amabhange ngezimali aphumelela ngesikhathi obumbi credit kohlelo, kanye ampofu emakethe yasekhaya zezimali. ethile ngokuyinhloko ukukhuthaza outflow kwezimali kule "ithunzi" futhi phesheya.

amathuluzi ongaqondile komgomo wokuboleka amabhange ngezimali zihlanganisa: izinguquko zenzalo, ukubeka ivolumu reserves edingekayo, futhi ukuqaliswa avulekile imisebenzi emakethe.

Eyodwa yezindlela bokuqala ehilelekile ukulawulwa ubudlelwane yemali, kucatshangwa ukuthi ushintsho rate isaphulelo. essence yayo liqukethe ezinomthelela emaphakathi yasebhange zezimali kwamanye amabhange kanye jikelele base yemali. Kulokhu, ngaphansi zezimali kudingeka siqonde ikhono amabhange ezahlukene ngendlela impahla ngendlela esifike ngesikhathi lokufeza wokuhlengwa zonke izibopho zayo kwezezimali.

Amathuluzi eyinhloko komgomo wokuboleka amabhange ngezimali, ukuqapha yasebhange zezimali, futhi zihlanganisa ukuzimisela inani imithombo edingekayo. La malungiselelo ayadingeka ukuqinisekisa wokukhokha imali yesibambiso kumakhasimende uma kwenzeka ukuhluleka ebhange. Ibhange emaphakathi usethe inombolo ethile izindinganiso izinqolobane edingekayo. Ngokwesibonelo, ukwandisa imali sabantu ibhange central asethwe amazinga aphansi for imali nge umnikelo omncane ngoba inkathi nangaphezulu - I- funa imali.

Kuchazwe amathuluzi ongaqondile komgomo wokuboleka amabhange ngezimali nomthelela kulesi silinganiso kanye nesakhiwo imisebenzi credit. inzuzo wabo ungumbuso omi nomthelela ngempumelelo ohlelweni elawulwa, ukuntuleka ukuvela ngaphansi kwethonya layo kungalingani izinqubo zezomnotho.

Ngokusekelwe kulokhu okungenhla, singaphetha ngokuthi zonke izinto zokubethwa komgomo wokuboleka amabhange ngezimali kufanele abe iziyisikhombisa ithonya kwezomnotho ukuze kuzuzwe umphumela komnotho omkhulu omuhle.