Pūnaha Banking: momo me o ratou āhuatanga

E whai wāhi nui o ngā pūnaha pēke tauira ohaoha. I roto i tenei take, ka taea e kia nui ngā rerekētanga i waenganui i a ratou.

pūnaha pēke

I mua i puta ki te ako o te mea ko nga momo o ngā pūnaha pēke o te ao, he mea e tika ana ki te mahi ki te whakamāramatanga rawa. whakamahia ana tēnei kupu ki te whakaahua i te huinga o pūtahi nama pēke-kore, me nga tahatika e whakahaere i roto i te huarahi ture, me te pūtea-nama taua.

E pā ana tēnei pūnaha ki e rua National Bank me hinonga tūmataiti, tae atu ngā pokapū nama me te whakataunga. Ko te mahi matua o te National Bank he ki te kawe i te āhua kaupapa here moni, me te paheke. Ko ia te pokapū o te pūnaha rāhui te whenua o.

Hoki kia te pūnaha pēke hāngai, me te hunga kamupene motuhake e whakarato nga mahi o ngā pūtahi nama.

wāhanga pūnaha

I raro i te kaupapa "Ko te pūnaha pēke - te ariā, momo, taumata, i te mau melo" me whai whakaaro te wāhanga pütahitanga e hanga i te pūnaha.

Ka taea e koe te tīmata ki te pūtahi nama. Kei te korero tatou e pā ana ki te hinonga ture, nei matua whakaaro ko ki te whiwhi moni i roto i ngā whakawhitinga pēke. titau te raihana, puta nei i te pēke pokapū ki te kawe i tenei mahi. I roto i tenei take, i runga tino ki ture motu nga ngā mahi katoa o taua rōpū whakahaere.

Ki te kōrero tatou e pā ana ki Russia, nga ture Russian tukua ki a koutou te whakatuwhera whakahaere nama te whakamahi i tetahi ahua o te mana. Ko reira taea hoki ki te hanga i ngā rōpū me ngā uniana, e hāngai ana ki te tiaki i nga ngākau nuitanga o ona ngā mema, i te mahue peka nga raruraru hono ki tangohanga o te pai.

Tātari e faaiteraa te reira i te pūnaha pēke, ona huānga me ngā momo, ko reira e tika ana ki te tautuhi i te wāhanga pütahitanga e whai ake nei ko tona wae. Kei te korero tatou e pā ana ki te pēke. Ko te tika tenei wā ki te matau i te whare nama mana ki te whakahaere etahi ngā mahi pūtea i runga tino ki ture Russian. Ka taea te pēnei te ratonga me ngā tukanga e whai ake nei ki taua ngā mahi:

- tuwhera, me te whakaū i ngā pūkete pēke o hinonga ture me takitahi;

- kukume putunga o moni o ngā tangata;

- whakanohonga o enei moni i tona ake utu me i tona mo ake i roto i nga tikanga o te ru, ngaue'aki, me recoverability.

He mea nui te reira ki te mahino te meka e whai ake: ki te, e kore te mea ara te mahi i runga ake-whakahuatia o te whakahaere tetahi o nga ngā mahi, kua whakaaro te reira i te hanganga pēke-kore.

He pēke ke. whakamahia tēnei wā kei roto i te tahi mau whenua ki te whakatau i te whare nama, kua oti nei te mohio e te pēke i raro i nga ture o te State wahi i rēhitatia ai.

Ko wāhanga o te pūnaha whānui hoki whakahaere nama Non-pēke. Ka rite ki taea ona āhuatanga motuhake whakatau te whaihuanga o etahi ngā mahi pēke, e kua whakaratohia e te ture motu.

tauira mākete

Ko te momo he momo rerekē o te whakahaere o tona pūnaha pēke. Ko tētahi o nga momo noa - mākete. He nga āhuatanga e whai ake nei tenei pūnaha: e kore ko te kāwanatanga te heriheri i te mara o te pēke ngā mahi me tona pānga i runga i te hanganga nama rerekē te iti ki te whakatūnga o ngā tawhā taketake me te mau parau tumu o te whanaketanga.

I roto i tenei tauira, mahi reira te decentralization rāngai pēke. Ano ngaro Ko e kore ko te hopoi'a tahi o te kāwanatanga haepapa mo te hua pūtea o te rōpū i runga ake-whakahuatia, me te hanganga nama tūmataiti, i roto i te tahuri, e kore e kawenga mō ngā mahi whaia e te kāwanatanga.

Hoki, me te pūnaha taua, te āhua kua te titauraa ki te pupuri kia i roto i te ōhanga motu. Tenei meka, me te he maha nui o ngā pūtahi tuku moni tūmataiti i roto i te pūnaha, ārahi ki te hiahia mo te hanganga o te pēke pokapū whakahaere ranei e ka kawe i ona mahi. Ko tētahi o nga raruraru matua o tenei pēke ko ki te aroturuki atu hinonga e whai wāhi i roto i ngā whanaungatanga nama.

Taau o aro te meka e whai ake nei: ko te mana o te pēke pokapū ko na motuhake e te taratahi reira rite te momo pēke motuhake o te pūnaha pūtea ranei, atu ïa, uroven.Imenno mo tenei take e papanga tata tonu e ngā pūnaha mākete.

Kaute me te tohatoha tauira

Tenei momo o te whakahaere o ngā mahi pēke te matua e whakamahia ana i roto i te whenua i reira ko auhia te pūnaha manapori.

Hoki te pūnaha taua āhuatanga e te heriheri kāwanatanga i runga i te whakatū o ngā pūtahi pēke me ngā mahi. Ko te mau huru motuhake o tenei tauira ngā te whakarite o ngā kaiwhakahaere o pareparenga kāwanatanga me te faaotiraa o te kāwanatanga haepapa mo te hua, i whiwhi nei rite ki te hua o ngā mahi pēke.

Ka rite ki te hua, ka he tauira taua, te whānuitanga o ngā pūtahi nama kaua kuiti. tikanga o tēnei e kua te whakarato o ngā ratonga pēke kua he maha iti o ngä pütahi nama e e motuhake rite ki rāngai rerekē, pēke kāwanatanga kotahi ranei.

taumata pūnaha

Whakaaro i nga momo o te hanganga o te pūnaha pēke, he mea e tika ana ki te tango i ki pūkete te meka e etahi o ratou i hanga i runga i te parau tumu o te whakatau i te tikanga o ngā hononga e kua hanga e i waenganui i ngā whare nama rerekē.

Kei te korero tatou e pā ana ki te taumata-maha me ngā pūnaha pēke taumata-kotahi.

Kei te matua whakamahia tauira taumata-Single i roto i nga whenua ki te pūnaha fakatikitato, te wahi mahi i te pēke kāwanatanga-fatuhia. Ko e hāngai ana i roto i te wāhanga tuatahi o te pūnaha pēke hoki te tauira taua.

Ko te pūnaha taumata-maha, Kei te āhuatanga i reira e te pārōnaki o ngā pūtahi nama i ngā taumata. I roto i tenei take, ko nga wa katoa te pēke pokapū i roto i te wahi tuatahi, ahakoa o te maha o ngā taumata tohaina me ngā pūtahi nama rite te katoa.

E whakahaerehia ana te pūnaha i roto i Russia

Ki te utu koe whakarongo ki te momo o te pūnaha pēke, he reira taea ki te faaoti e te Kihi ko te tauira taumatarau. I tua atu, He te hanganga e whai ake nei i tenei pūnaha: te Bank o Russia, te ngā pūtahi nama, me te tari māngai me peka o tahatika ke.

Otiia e kore e te iti ki te pūnaha pēke Russian. Momo e ngā reira, ngā mahi i runga i te rohe o te State o ngā rōpū motuhake e kore e i whai wāhi i roto i ngā mahi pēke. I tua atu, kei te arotahi ēnei whakahaere i runga i te whakarite i te mahi o ngā pūtahi nama me tahatika.

Hoatu e te hou pūnaha pēke o Russia - ko te momo o te pūnaha ōrite tauira mākete, te aronga o ngā mahi tuku moni, mahi i raro i taua mea, ngā o te maha taumata:

- te pēke pokapū;

- pēke (penapena, mokete me tahatika arumoni);

- rängai inihua (moni penihana, pēke-kore whakanōhanga mātanga nama me kamupene inihua).

tauira American me Japanese

He atu wāhi i roto i nei kua te pūnaha pēke kua whakatinanahia. Ngā momo o ratou mārika i rerekē rānei i runga i te rohe.

Hoki te tauira American āhuatanga e mahi whakarara o te Rahui Pūnaha Federal, me te haumi, penapena, tahatika arumoni me penapena feohi whare whakawā.

titiro maha ngā rerekē pūnaha pēke Japanese. Ka taea te whakaahuatia momo o pūtahi pūtea mahi i roto i te whenua e whai ake: ko te pēke pokapū, poutāpeta penapena pareparenga me tahatika arumoni.

mutunga

Ki te nui katoa o ngā tauira taea, whakawhetai ki e taea te whakarite te pūnaha pēke, momo, tera etahi taumata, hanga ana e ia te tikanga ki te whakatau i te āhua o ake matatau.