Interbank nemizana futhi ukubaluleka kwazo ohlelweni Banking

Interbank nemizana olwenziwa esimweni lapho umemukeli bese yomkhokhi kukhona abaphathi be-akhawunti emabhange ezahlukene. Konke okwenziwe phakathi kwezikhungo zezimali ngokusebenzisa umlobeli akhawunti ihlelwe ngezindlela ezimbili: esebenzisa izinhlelo eyodwa futhi yonkana.

ukucutshungulwa Cash isikhungo

ERussia, ngokuvamile ezisetshenziswa inketho kuqala. Ukuze ukuqaliswa eyodwa isiphetho amayunithi ukuhlangabezana CRH - zokuhlala kanye imali izikhungo (RCCs). Ukuze afeze ukuhlinzwa, njalo isikhungo yasebhange kumele ivule endaweni yayo i-akhawunti umlobeli ku RCC. Konke ukusebenzelana okuhilela phakathi isikhungo credit futhi ibhange elikhulu nohlobo ukuthi ukhonza ukuqaliswa ukudluliswa kweemali, kwenziwe ngokuvumelana nomthetho futhi i-akhawunti yesivumelwano umlobeli.

ukudonsa imali kusukela sub-akhawunti KB noma ukubhalisa kwabo kulokhu kuqinisekiswa sicashunwa ngesimo idokhumenti ngogesi olusemthethweni noma ephepheni.

uhlelo Interbank isiphetho

Ukuthengiselana ngokusebenzisa umlobeli akhawunti wavula namanye amabhange, aphethwe ngendlela elandelayo: ummangalelwa yasebhange liphetha kwesinye isikhungo esikweletu inkontileka kuvula lapha izindleko. Imibiko yasebhange kuvula ke ngemva kokwamukela ummangalelwa imibhalo efanele futhi basayine isivumelwano. I-Akhawunti ukuvulwa KB kwenye isikhungo yasebhange wabiza "nostro". Futhi lowo kuvula kwelinye ibhange enhlanganweni (KB) - "Loro". Ukubala kwenziwa phakathi kwezikhungo zezimali ngenkathi sigcina ukulingana nsuku zonke.

Izinhlobo interbank nemizana

1. kwaBantu phakathi amabhange ngokusebenzisa inethiwekhi RCC. Uhlelo i-ukudluliswa kweemali iyona esemqoka. Uma evulekile okungenani eyodwa RCC ku-akhawunti imibiko, kwenza kube nokwenzeka ukuba usebenze nanoma yiyiphi inhlangano credit yezwe.

2. Interbank izinkokhelo avuliwe ubudlelwane umlobeli. Inzuzo enkulu lapha ukungabi abaxhumanisi ukuqaliswa zokuhlala imisebenzi, okuvumela ukuba enze ngokushesha futhi ethengekayo. izinkokhelo ezinjalo interbank eyenziwa egameni amakhasimende, kodwa ngaphandle ukuhileleka kwabo ngqo.

3. Interbank lokukhokha ukuthengiselana ngaphakathi kohlelo yasebhange - esetshenziswa ezikhungweni ezinkulu zezimali, okuyinto inethiwekhi ebanzi amagatsha. Lolu hlobo ukubala ikuvumela ukuba kahle izimali ukusekela zezimali amayunithi amancane ukwandisa inzuzo isikhungo credit.

4. Interbank izibalo eyenziwa usebenzisa evulekile izikhungo. Isula - lihlelo interbank ka cashless izinkokhelo, okuyinto eyenziwa ukuhlanzwa izindlu ekhethekile ngosizo isethi-off izinkokhelo. Kulokhu, ucabangela kuphela izibopho nezimfuneko - izibalo inetha. Inzuzo main kwalesi simiso ukusheshisa kanye nokwenza zokukhokhelwa inter-ebhange. Kodwa khona abaxhumanisi kwenza indlela nemizana ezibizayo.

International umlobeli amanethiwekhi commercial

Ukuze afeze izibalo ezinjengalezi kukhona inzuzo ngamazwe umlobeli inethiwekhi: TARGET - uhlelo okuzenzakalelayo ngesikhathi sangempela; SWIFT - Society for Emhlabeni wonke lwezezimali nokuxhumana phakathi amabhange; Chips - Electronic evulekile (ukuhlanzwa) izibalo.