IzimaliAmabhange

Trust imisebenzi - Iyini? Izibonelo Themba Operations

Uhlu imisebenzi yesimanje ebhange is ngokuqhubekayo olusha. Popular Namuhla kahle kanye Leasing kusasa kungathatha esihlalweni esingemuva. Bona umphelelisi futhi wandise imisebenzi ebhange. Ngakho-ke, ngokuvamile abizwa ngokuthi ezingahambisani nezivamile. Lihlanganisa ithemba yasebhange imisebenzi.

ngokucacile

Kubalulekile ukwehlukanisa nomqondo yasebhange "imisebenzi" futhi "amasevisi". Lesi sakamuva musa yakha nanoma iyiphi imithombo musa ukwandisa hhayi kwezibopho neemfuneko zebhanga, zingenalo yimuphi izingozi, ukuqhutshwa okuyinto afakiwe GDP ngokuphelele. Ngo ukuthengiselana okunjalo, ibhange izenzo njengenhlangano phakathi iklayenti nezinye izinhlangano zezimali.

Imfuneko ukuvela imisebenzi ethize kuyinto mncintiswano ahlukene ingxenye futhi emakethe imali jikelele. Umthamo ukuthengiselana okunjalo ebhange ikakhulukazi incike ezingeni yentuthuko lesikhungo credit.

Ingqikithi

Trust imisebenzi - ukuthengiselana ku ukuphathwa kwempahla ikhasimende, amasevisi ukubulawa egameni layo ku amalungelo trustee. Ingqikithi wabo uwukuthi iklayenti asithumela sesikweletu impahla yabo (ngaphandle ubunikazi) ukuze inzuzo ukutshalwa kwezimali ezimakethe ezahlukene. Ngalezi inzuzo ebhange uthola ingxenye inzuzo ngendlela ikhomishana.

Umqondo "ithemba" e ukuhumusha kusuka English lisho "ithemba". Imisebenzi eyenziwa ebhange, zidinga ethembele ngokugcwele isikhungo.

Izingxenye kuthengiselana

Izikhonzi kuthengiselana zimi kanje:

  • Umsunguli - inkampani noma umuntu idlulisela impahla ebhange.
  • Ukuphatha - isikhungo credit okuyinto lucwaningo lolu hlobo umsebenzi kungaphansi kwelayisensi.
  • Esivuna umzuzi iyona sivumelwano uqobo.

Into kuthengiselana kungenzeka impahla noma amalungelo ukuthi singabakaNkulunkulu ubunikazi umsunguli sika. Ingabe ngokugcwele control ithemba imisebenzi yebhange commercial - kuyinto kuthengiselana lapho ukulawula isebenza ngokuzimela ngaphakathi kwamandla ayo. Ukuhlinzekwa has futhi ukuthengiselana okufanele ngaphambili okuvunyelwane ngazo iklayenti.

izinzuzo

Ngokungafani nezinye zokukhokhelwa, ukwethembana ukuthengiselana:

  • kwenziwe ngaphandle kokusebenzisa imali siqu;
  • Inikeza ikhono lokuphatha Central Bank ngaphandle ingozi enkulu: ebhange ungathola lo myalo, ngisho nangaphansi kwezimo ezingezinhle emakethe; akuyena obangela yimuphi ukulahleka kuzona ezimweni ezinjalo.

Trust ithemba imisebenzi ayatholakala cishe zonke amabhange. Asikho isidingo ukuvula umnyango omutjha kubulawa ukuthengiselana. Ezinye zalezi ukuthengiselana, amabhange okwenzile esikhathini esidlule, kodwa babebizwa ngenye indlela. kuhlanganisa amasevisi nokusebenza Trust:

  • isitoreji zezimpahla zenani elikhulu;
  • ukuthola izindlela proxy;
  • oda umnikazi komhiaba ngemva kokufa kwakhe, njalo njalo. d.

inzuzo

Themba yasebhange imisebenzi - imisebenzi phakathi credit izikhungo kanye namakhasimende lapho yasebhange yamukela isibopho bachithe impahla kumuntu wesithathu. Iklayenti kunenzuzo ukudlulisa umsebenzi ukuphathwa kwezakhiwo kanye uthole inzuzo esiphezulu kusukela ukuthengiselana okunjalo. Nokho, yena uhlala umnikazi wangempela, futhi ibhange enegunya nokuchitha impahla isikhathi esithize.

izinhlobo

  • Okomuntu siqu: atholakale izakhamuzi ngabanye.
  • Institutional: kukhona esekelwe isivumelwano phakathi mortgagor futhi umphathi noma izibopho phakathi kumnikazi wenkampani ithemba.
  • "Master Trust": kukhona yasebhange PF noma AMC ukulawula by score inani ukuze uthole imali esiphezulu.

ukuthengiselana siqu

Izinhlobo ithemba imisebenzi, okuyinto anikezwa izakhamuzi ngabanye, zihlukaniswe ayinakushintshwa futhi revocable. Isigaba sokuqala sihlanganisa sebanga okuyinto uthishanhloko ngeke bakwazi sokuqeda inkontileka, futhi okwesibili, ngokulandelana, kuthengiselana, okungase kuphazamisekile nganoma yisiphi isikhathi.

Impahla, okuyinto efakwe ohlwini e ukuphathwa asebenzayo, ungakwazi kabusha, ukudluliswa, ukuboleka, isibambiso. ukuthengiselana okunjalo zinezikhathi amabhange emikhulu. Passive ithemba imisebenzi - a amasevisi ukuphathwa kwempahla, okungakwazi zidayiselwe noma indlu. imisebenzi ezinjalo amafemu ukuthi sihlinzeke izinhlelo zokweluleka.

imali ebhange

Credit zinhlaka ithemba imisebenzi eyenziwa:

  • nokugcinwa akhawunti siqu;
  • ukuphathwa Central Bank ngenhloso ukudayiswa noma exchange;
  • ukuhlinzekwa kwemisebenzi depositary;
  • ukuphathwa okwesikhashana inkampani esingashintshi kuze kufinyelelwe esikhathini kabusha;
  • iqoqo ngenzuzo esivuna iklayenti.

Amabhange ngemisebenzi enjalo:

  • ukulondoloza imali, Central Bank nezinye izinto eziyigugu;
  • bahlelekela accounting imibhalo;
  • ukuthola izinkokhelo yi-proxy;
  • afeze ukuthengwa nokudayiswa ukuthengiselana of Central Bank, kwenziwe izibalo kanye nokuhlinzeka kokubonisana amasevisi ukukhethwa iphothifoliyo kahle Central Bank;
  • ukuhlinzekela iziqiniseko kanye iziqinisekiso.

Lesakhiwo credit livele izibopho ezithile. Uma uneminye imisebenzi babe ezingenanzuzo ngenxa iphutha lakhe, ibhange kumele buyisela ikhasimende inzuzo. izenzo ezithile ebekiwe inkontileka. Bank usetha esebenzisa izimo ukulawula. Inani engenayo ikhokhwe kuthishanhloko ngethemu yesivumelwano.

Izici

Ukuthengiselana abazenzi ngesisekelo trust noma esivumelwaneni sokusebenzisana. Ikhombisa ukuthi yasebhange emele kukathishanhloko etinhlotjeni letibanti elilinganiselwe nezindaba.

Ngo umkhuba emhlabeni, imisebenzi eyenziwa ngezindlela ezihlukahlukene. Uma isimiso somthetho kusekelwe isikimu-Anglo-Saxon, ubunikazi kwasakazwa lizwe phakathi Umsunguli ophethe. Uma isenzo kule noveli-German (yezwekazi) isikimu, ngemva kwalokho, njengasendabeni WaseRussia, trustee ubunikazi impahla awutholi.

Trust imisebenzi - into ezenzeka onamafa uketshezi kakhulu. Lena ngenye yama-izinhlobo nzima kakhulu amasevisi ebhenki. Izinga kokusebenza kwawo kuxhomeke kulokho emakethe umnotho kanye kokuhlangenwe nakho ebhange ikakhulukazi kulesi siqondiso. Lesakhiwo credit kuyakuba nesibopho sokukhokhela ukulahleka, amaphutha, okungezona ukuhambisana nemibandela yesivumelwano, budedengu ukuphathwa amagugu, olungalungile ulandela imiyalo. Ngenxa yalesi sizathu, kwamanye amazwe kukhona umthetho "Umuntu ocabangelayo." Ukuhlolwa ithemba imisebenzi ngendlela efanayo njengoba bebodwa.

Ukuze ukuqaliswa imisebenzi enjalo, iBhange umangalela imali. Ubukhulu bayo ezinqunyiwe esivumelwaneni, kuye ngokuthi uhlobo kuthengiselana. Umrholo ukuphathwa ifa lingenxa komthetho noma isinqumo sokwahlulela. kubulawa ejensi ukuthengiselana, iBhodi zihlanganisa iminikelo yaminyaka yonke engenayo kanye neminikelo kukathishanhloko ekuphetheni inkontileka. Uma ibhange iye yakhetha ngosizo abaxhumanisi, ezifana wabathengi, usayizi amaholo wathola Eceleni kwakhe kuyakuba zihlanganisa umlamuleli ikhomishana.

Izibonelo Themba Operations

Ezimakethe amasevisi ethandwa izinhlelo ezintsha, njengohlelo lokuphatha yesikhashana yezindaba inkampani uma kabusha yayo, ukuphathwa lesisekelo yesihle. It kubhekwa eziyinkimbinkimbi kakhulu isitoreji Depository amasevisi we Central Bank, oda zabo kanye nokutshala amafa ezithile. Ukumethemba imisebenzi Sberbank sika kungaba kwenziwe kuphela ngosizo abaxhumanisi, wabathengi, isitokwe Ukuhwebelana, izinkampani utshalomali. Zonke lezi yisikhungo sezinhlangano eziphambili zezezimali ejenti phakathi oyinhloko RZB.

Kukhona futhi imisebenzi, i-corporation izenzo njengenhlangano umkhiphi futhi ibhange - e indima umthengisi: wathenga amasheya enkampani ngenhloso ukuthengisa (underwriting). Lona idili inzuzo kakhulu futhi ethandwa. Ukuze nokusetshenziswa yabo badinga i idumela lihle, funa enamandla Central Bank, iqhaza yebhange ezimakethe zamasheya.

iphothifoliyo yokutshala izimali emazweni ukuphathwa - ungesinye isibonelo ukusebenza ithemba. Ebaluleke kakhulu kulesi lapho ukuthengiselana zinjalo imigomo yesivumelwano, degree of ukulawula Bank of Central Bank Corporation, nethonya layo ukuphathwa icala futhi inzuzo. amadili ezinjalo zidinga ukuqeqeshwa okukhulu, kodwa ngesikhathi esifanayo ziwumthombo obalulekile imali.

Ukuqinisekisa izithakazelo ubumfihlo amakhasimende, iBhange may:

  • ukufinyelela eduze abasebenzi yasebhange eminyangweni of inethiwekhi, bekwi kwempahla Ukuphathwa kanye ejensi ukuthengiselana ezimakethe zamasheya;
  • kumayunithi ongaphansi ebhange ithemba ukuphathwa;
  • ukuhlukanisa ithemba ehlukanisiwe ehhovisi main;
  • ukukhipha umsebenzi ilotshiwe kungengoyinki ukudalula ulwazi mayelana nabasebenzi.

Trust imisebenzi ku Russian Federation

Ukuze andise isidingo imisebenzi ukuphathwa kwempahla eRussia, kumele:

  • ukuthuthukisa indlela ngemisebenzi, ubuchwepheshe nokubambisana izibambiso emakethe abahlanganyeli kanye namabhange;
  • ukuthuthukisa inqubo ephetha kuthengiselana ebhange;
  • ukuze akwazi ukufeza umsebenzi kumakhasimende angaba namandla;
  • ukwenza izinguquko zokulawula nohlaka olubhekele.

Ake kwethu ongahlala kabanzi kuphoyinti lokugcina. I Bank of Russia ngokuhlanganyela Association ukuze kuvikeleke amalungelo Imininingwane emabhange (AZIPI) baye yasayina isivumelwano oluhlinzekela ukudalulwa idatha imisebenzi amabhange emakethe yezimali ngokusebenzisa ukushicilelwa lekuhanjiswa kwetimali mutual funds. Uma ulwazi kufihliwe ngokwengxenye noma ngokuphelele, Central Bank kungenzeka ukuthi abeke unswinyo olubhekiswe ebhange ethile.

isiphetho

imisebenzi Trust - isiqondiso ngombono yentuthuko ebhange, ngoba ulethe imali ngaphezulu kuqhathaniswa nezinye izinketho yokuhlala amafa atholakalayo bese unika amandla credit izikhungo ancintisane abahlanganyeli professional izibambiso emakethe. amabhange Western ngokuvamile secrete amayunithi anjalo esikhathini amagatsha. Uma izikhungo credit afeze indlela siqu iklayenti ngamunye, akukho ukwehlukana amasevisi trust classical.

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