Credit uye mari aggregates

In zvoupfumi ano mari uwandu hwezvinhu zvose zvabatanidzwa. anoonekwa sezvo mari nezvimwe mari, akafanana mari zvitengeswa. Zvinonzi vaidavira kuti dzibvise aggregates vane liquidity dzepedyo kubatana.

Munyika dzakawanda nguva kushandiswa muchikwata zvoupfumi, yakanga vaifunga kuti huru dzibvise aggregates ave huru vanovengwa mbiri itsika.

In dzezvoupfumi rinofukidza mari aggregates zvakadai, yakadai se:

• mari (M0);
• Mari yesangano: Cash mari uye zvikwereti zvedu, uye kudiwa deposits (M1);
• chimiro aggregates M2 - kuumbwa nokuwedzera M uye zvakasiyana-siyana wakaiswa deposits;
• zvidzidzo mhando M3 - kuumbwa nokuwedzera M uye vanoverengeka guru nguva deposits (ake okubhengi);
• aggregates vanoumba L Hwakataura rakafara pakati zviyero, kusanganisira kwetunhu pasina chaakasiya mari yesangano.

In upfumi yanhasi yakawanda uye kukosha marongerwo usapinde aggregates wana chikwereti zvivako. Uye izvi atsunga zvakananga aifanira kuwedzera chikwereti mabasa.

Munyaya chikwereti ndandanda mashandiro uye unhu hwavo nezvoupfumi havana kusvika nekubvirana. Kazhinji, chete chinoratidza zvinhu anoreva basa mazita akasiyana, kana, nekusiyana, akazivisa akasiyana-siyana.

Somuenzaniso, akaratidza kushanda yokutsiva zviratidzo mari uye zvikwereti mashandiro wokufambisa, sezvo inodonongodzwa kuti muzviitiko zvose chikwereti mabasa sezvo pave muchikwata. Zvisinei, unofanira kuparadzana kushanda izvi, zviri pachena kuti nyaya mari mbiri (chokwadi kuti kuzvitsinhanisa zviratidzo mari) uye kurapwa chikwereti mari haisi kufanana, uye zvazvinoita dzibvise aggregates vavo mhando maererano sezvamunoita kwavo uye maumbirwo.

In zvinoratidza kuparadzira basa mumabhuku anosimbisa zvibereko yezvakaita redistribution kuti chikwereti mari. Zvisinei, kushanda zvikwereti zvedu haisi nguva dzose zvibereko zvakasikwa, kuti redistributed kudzokera, asi kwete backfilled zvikwereti mari, risingagoni vanobatanidzwa akarirasa aggregates. Panyaya iyi, kuwedzera hwemvura kuparadzirwa basa anofanira akakokwa mashandiro masero okuponesa zvekuvaka, riri basa inobereka hunhu sangano mari mbiri uye Kugona mutsva chikwereti ukoshi somunhu kuzvipira richikura.

In mabhuku zvoupfumi kune vatatu chikuru chikwereti basa - kuparadzira, kuzvidzora uye yokutsiva, uyewo zvimwe mashandiro kuti kusarudza zvinoshingaira basa chikwereti sechikamu mari dziri mari aggregates. Ndokusaka, maererano anozivikanwa mashandiro vakaumba kupatsanura mabasa kuramba akakodzera pamwe kuwedzera itsva chikwereti zvinhu: kuchinja wakaderera guta iri kushanda.

Inopa:

• chisungo chikwereti chete upfumi rose:
• kusikwa itsva chikwereti kukosha sezvo kuzvipira kuwedzera ukoshi;
• pakasikwa zvikwereti zvinoreva wokufambisa (chikwereti uye asiri chikwereti mari);
• Chikwereti SERVICING mari turnover (chaidzo uye ano, anonzi chikwereti mari);
• yaitsiva mari mari turnover (chikwereti uye mari chikwereti kubhengi mari).

Basa chikwereti somugumisiro wacho Implementation mitambo yayo, huchava nechokwadi chokuti kumhanyisa pakati riparadzirwe mari, izvo zvinozoita tirambe zvazvinoita mari aggregates.

Nheyo kuvakwa muenzaniso yakadaro akanyatsorongwa pakutsvaga chinangwa, negwara, zvizere mabasa. The kupatsanura mabasa nevanopinda kuumba idzva chikwereti ukoshi somunhu nokuzviremekedza kuwedzera, uye kuguma mugumisiro anewo Kutendeuka wakaderera guta iri kushanda.