Chii mwero refinancing pamusoro Bank of Russia, uye chii chinonzi kukura kwayo?

Chii mwero refinancing pamusoro Bank of Russia? Zviri kunetseka kuti nezvoupfumi nevaya vanofungidzira uye vatengesi, uye kunyange vamiririri rwezvemabhengi zvekutepfenyura. Tinogona kutaura kuti mwero anomira pamanyorerwo mari romugove kubudikidza Central Bank of Russian Federation zviduku zvemari masangano. Central Bank anopa zvikwereti rokutengesa masangano zvemari, izvo zvakare vanokweretesawo vanhu (vagari) uye masangano epamutemo (makambani, mabhizimisi uye masangano).

The refinancing mwero tsika

Kuti zvakasimba kunzwisisa chii refinancing mwero Bank of Russia, funga mashandiro ari mari Rwako rwokufamba. Commercial zvemari Masangano vanotora CBR mari chikwereti. Somuenzaniso, mamiriyoni emadhora. Kwapera gore, wakanaka nhengo mari ino vanofanira kudzoka CBR kukwereta madhora miriyoni imwe ndinoiitawo mubereko kushandiswa kwayo. The kuitika refinancing mwero Bank of Russia ndichavamanikidza nokudaro kubva muzana kuti anofanira kuripa duku vezvokutengeserana bhengi, kunze wechikoro. Mugore, apo tsika duku zvemari anoshandisa mari CBR, rinopa zvikwereti kuvanhu uye mabhizimisi pasi chikamu rakakwirira zvikuru refinancing. Musiyano mwero Central Bank uye chimbadzo panguva iyo mari anopa zvokutenga chimiro, uye kune batsiro okupedzisira. Retail zvikwereti, uye zvose vechikamu vanogamuchira yavanowana zano.

Sei CBR hakushande vagari zvakananga?

CBR hakushande pamwe dzakavanzika uye nomutemo vanhu zvakananga nokuda bhuku duku kwema zvemari zviri mamiriyoni, uye kunyange dzinosvika uye mazana emamiriyoni emadhora. rakawandisa zvakadaro Entrepreneurs nyore unmanageable. Small zvemari Masangano vanotsigira nhume mu anomukweretesa mamiriro vemo yepakutanga. Nokuti mari Masangano - ndiwo mukana mari. Users, akavapindurawo, vanogamuchira unhu mabasa mari kuburikidza chaizvo maitiro awo uye mahofisi, kuvapo zvivako pamwe vakawanda ATMs. Kufunga kuti ukuru Bank of Russia refinancing exchange achava akaenzana 10%. Panyaya iyi, ruzhinji uye mabhizimisi vachawana zvikwereti pasi 18%. Somugumisiro, vanochengeta vachagamuchira mumbure purofiti iri uwandu 8% of zvachose muripo kushandisa mari.

Vakabvumira kana uwandu hwevanhu yavo achibudisa guru chikamu kufadza?

Small zvemari masangano anogona kwereta mari kubva Central Bank yakaderera kufarira rates, uye vagari vanogona uchatamisa mari pasi kubva muzana chavanoda. Tichingotarisa, kwakadaro mukana ariko. Zvisinei, unofanira kuteerera kune makwikwi, iyo ichangobva mune Russian mari zvekutepfenyura pamusoro tightening. Kukwirira mubereko prices chaizovatadzisa vatengi. Takatodzidza vakakurukura pamusoro chii refinancing mwero Bank of Russia. Zvinoitika kuti iye ndiye akarayira wandei unokosha kuvatumwa kuti riwanikwe vanhuwo mugari wenyika yacho. Uyezve vaitaura oruzhinji ezvokutengeserana hurongwa regai zvakasiyana zvikuru. Pane kunze mumusika. Somuenzaniso, chikwereti masangano vari mubasa nevatengi anomukweretesa huru zvitoro uye makadhi kuburikidza, anogona kuisa mwero 30 kusvika 70%. Tsvaka nemakasitoma kwakavakirwa zvepfungwa vanhu vanoda kutenga chinhu. Pavanondirwisa, nokuda kwokushayiwa zvemari kuverenga, kubvumirana saka shoma kubatsira Kudyidzana.

Sei mwero refinancing?

The refinancing mwero Central Bank of Russia atsunga nokutora nyaya zviviri. Ndiyo chaiyo zvoupfumi mamiriro ezvinhu munyika uye mwero mitengo. With kuwedzera mitengo uye kuwedzera mutengo. By richikwidibira mitengo iri kuderera. Mamiriro acho ezvinhu anogona kunzi kubva mhiri. Kana ari chimbadzo Bank of Russia refinancing riri pasi, vagari ane mukana vabatsirwe zvikwereti rweruzhinji. The prices pavari vari chichiburutswa zvinooneka munyika iyi, vanhu vakanga kushandira, nekuti vanogona kutenga chero zvavanoda, panguva risingamboshandisi overpayment. zvikomborero akazvimirira vari uye mabhizimisi anogona kukumbira mari dzavo mabasa. Kuita basa mari "zvakachipa" zvinoita kuti pave nemabhuku makuru mishonga mimwe kuwana yakakwirira anodzoka namarudzi Implementation.

Sezvo mwero kunoratidza upfumi mamiriro ehurumende?

The refinancing mwero Central Bank of Russian Federation anoita somunhu yorudzii chokukomborerwa mamiriro National zvoupfumi uye mararamiro evanhu. Yakaderera pauwandu hweavo nokuda kwezvikwereti muvanhu zvinoratidzika pamaoko vakawanda mari. Akaumba hombe kudiwa zvinhu maererano mikana zvatengwa dzavo. Somugumisiro, mushure nguva nenhumbi vari kutanga kusimuka mutengo nokuda kushota yavo. Mamiriro zvaanopa simba mitengo. Ndiyo pfungwa depreciation mari, tichiratidza mukana kutenga yakasiyana uwandu nhumbi mu zvakaenzana. Most mitengo zvinoratidza zvakanakira vanhu. The kumusoro ari mamakisi, rezasi pachiyero zvakanaka uye zvichemo hwepamusorosoro. The refinancing mwero National Bank ari dzichichinja, sezvo mitengo mwero iri kugadziridzwa achivashandisa. Kumisa depreciation mari, mwero kunowandawo, zvinoita kuti kuwedzera mari zvikwereti, kuderedza kudiwa pavo, uye kuti vasanyanye vanotenga simba.

Communication rates mutero

Kuwedzera achiposa iri refinancing mwero Central Bank of Russian Federation ari kushingaira kushandiswa pasango mitero. Somuenzaniso, tinofanira akati pamusoro mitero mari kubva okubhengi nyaya, kufarirwa pamusoro riri kupfuura refinancing mwero neinopfuura 5 kubva muzana pfungwa. Somuenzaniso, kana refinancing mwero achava akaenzana 10% uye dhipoziti mwero 15%, hapana chikonzero kubhadhara mutero. Kana dhipoziti mwero achava akaenzana 20%, uchava kubhadhara mutero kuna neHurumende uwandu 35% of nekumwisa 5% of dhipoziti.

Kukurukurirana rates mabasa vashandirwi

In kufunga chii refinancing mwero Bank of Russia, zvinokosha kutaura kuti anoita sechinhu, inova hwaro Pakusarudza muripo, wakaisa mushandi panguva mushakabvu kuripwa mubayiro, pane imwe kunonoka Kutengesa kana mari kuti anofanira kuripa vashandi pakuparwa kudzingwa. Maererano mitemo Russian, waunoshandira anofanira kuripa zvizere chitsama chikwereti, kuti icho akawedzera muripo wemari, dzaona pachishandiswa nhamba. Hakuzovi asingasviki 1/300 pakati refinancing mwero rimwe zuva kunonoka. The chakarurama rinoshandiswa nokuda dzemaitirwe pamusoro fines, iro kupomerwa sechirango panguva kusabhadhara mitero uye dzimwe mhosva.

Rokutambudzikira Russian

The ezvinhu aripo munyika anoita pachavo mitemo yaro. Zvakakomba zvoupfumi akamanikidza mabhanga kuRussia ari kuramba kushanda zvemari rubatsiro kuna Central Bank. Anokweretesa kuvabvumira kuita zvizere mitoro awo vatengi. Disbursement pasi muzana yezvokutengeserana hurongwa anonzi refinancing. Nokuti nguva yokutanga Russian Bank refinancing mwero akauya muna 1993. Mariri zvakanyatsorongwa achinja kwemakore 10. Russia agara vakatsvaka maximize ari rutapudzo pamusoro indekisi ichi, kusvikira pachiyero achitungamirira nyika. Zvikurukuru, muJapan mwero iri 0.1%, izvo zvakazara unoratidza mukuru nenhanho pakukura ehurumende. MuRussia, kuti chimbadzo ndiyo 8.25%, izvo dziwande Evhangeri yemvura noMweya ndiyo mwero America, kupinda mamiriro ezvinhu munyika sezvo dzaisiyana zvikuru.

Chii mwero refinancing, Chokwadi?

Nemuromo, kuti refinancing mwero Russia ndiyo kuva simba kupfuura chishandiso kuitisa mari nehurumende. Kuzvishandura yaifanira kuti waidzora uwandu mari, uwandu rine kukanganisika nyika dzose. Zvinoita kuona kuti chombo haasi kushandiswa, sezvo yokupedzisira mwero nokuchinja kwakaitika muna 2012. Kwete kushanda mumunda usapinde mutemo, mwero zvavakatemerwa rupawo pane fiscal. Regulation uwandu mari munyika tichiregeredza choutsi. Chokwadi, indekisi kukura uye uwandu mari - kukosha chaizvo vasiri kuwirirana. Kutaura zvakawanda, ivo vanenge zvachose pakatarisana murege kuratidza mumwe. vaongorori vakawanda vanoona mamiriro ezvinhu dambudziko underdevelopment sezvo prices uye chengetedza zvinodiwa. Kunyange mabhizimisi vari nokukwereta kubva Central Bank mari, kutangira kubva rimwe-zuva repo unodiwa. Maererano chakarurama ichi akakurayirai zvikwereti kuvanhu uye dzepamutemo masangano. Zvinogona kucherechedzwa kuti refinancing mwero haasi kupfuura chokungoendawo, munhu declarative chokushandisa, kwete kupa zvakanaka kukanganisa akarirasa wokuti hurumende.