The rwezvemabhengi kwemauto yayo murau

kuchinja kuchangobva kuitwa munyika yose upfumi inoratidza kuwedzera kuvimba kuti rinoti riri kushanda zvemari uye zvikwereti bhora. Gore negore, mari ebhizimisi, hurumende uye vatengi kukura zvinokosha, kushumira zvinodiwa izvi uye huripo rwezvemabhengi hurongwa.

Chii pamahombekombe

Banks vari chinokosha chipi upfumi, kana pasi pose, nyika kana emunharaunda. Vanhu, mabhizimisi, hurumende nevamwe Links zvemari pakati vechikamu rwezvemabhengi.

The Bank ane mari uye zvikwereti sangano, icho anoita kushanda pamwe mari, kuchengetedzeka, simbi uye contractual mitoro, nyaya ndiyo mari kana namajoko zvemari, dzakadai chibvumirano kuti cession.

Kune, ari Mupfungwa yakazara, zviviri marudzi nemabhangi :

• Central Bank - a revoruzhinji, iyo anosiiwa nemamwe masimba mutariri zvemari uye mari policies, unobereka pokudzora mari masangano, kunopa akabuda mari uye hurumende kuchengetedzeka, zvikwereti rokutengesa mabhanga. The rwezvemabhengi kwemauto iri pasi kutarisira Central Bank.
• Commercial kubhengi - a private kana revoruzhinji hwakagadzwa nechinangwa mokusvinwa mari rwezvemabhengi kushandiswa.

Zvinodiwa Kuti mabhanga

Yepamutemo yokuti pakagadzwa kubhengi ndiwo mutemo "On rwezvemabhengi basa", iro rinotaura zvakakodzera zvinodiwa kuti vawane rezinesi:

• guta pachake - mamiriyoni 18;
• pamazita magwaro;
• "Wakachena" bhizimisi mutero uye nyaya havaoni;
• Kuwanikwa pangozi Kutarisira uye musoro uye munyika odhita gadziriro.

Zvinofanira kucherechedzwa kuti asiri zvaidiwa noMutemo rinobatanidza munhu vaifunga kuramba of Central Bank kuti ape rezinesi. Uyewo, kana munhu repamutemo anoita rwezvemabhengi kwema pasina yakakodzera rezinesi, izvozvo angashayiswa purofiti zvose zvinobva mabasa akadaro, uye kumanikidzwa kubhadhara faindi kaviri huwandu ukuru hwaro muchifarira batana bhajeti.

The rwezvemabhengi kwemauto zvakare pasi pokudzora anonyatsozivikanwa kureva masangano akadai Fitch Rating, S & P, Moody, uye vamwe. Kuongororwa ravo anosarudza kuvimbika uye kutsiga zvikwereti masangano kwemakore anoverengeka, yakakwirira ratings pakati kubhangi kuwedzera Kukwezva mamwe masangano emari depositors.

Banking Services

rwezvemabhengi kuvhiyiwa kuri zvakadzama, mabhengi vakawanda pakutanga chete chikamu kwavo, saka paine kupatsanura pakati mhando yebasa:

• mabhanga Universal. Ivo vanobatanidzwa anenge marudzi ose rwezvemabhengi mabasa akadai Sberbank, VTB 24.
• Investment mabhanga. Vaita mari uye kufungidzira pamisika zvemari, akadai BCS, zviri Finns.
• Branch mabhanga. Vari runonyanya kuita anomukweretesa uye basa mabhizimisi, dzakadai Agricultural Bank, ICB.
• Unyanzvi mabhanga. Kuita rakamanikana siyana rwezvemabhengi sungiro kana asiri mwero basa mugadziriro akadai Gazprombank, "Tinkoff".

Banking kwemauto zvinosanganisira zvinotevera rwezvemabhengi akavhiyiwa :

• Anomukweretesa.
• Custodianship.
• Mutengapwe Service.
• Brokerage mabasa.
• Investment.
• Currency exchange.
• Placement zvinokosha simbi.
• Anoreva nhema kushandiswa.
• Chakanaka kurapa mari yesangano.

Legislative mutemo rwezvemabhengi: Opportunities uye Chemiganhu

Zvemari uye rwezvemabhengi kwemauto riri pasi pamutemo uye zvemari murau. Kubva nemaonero wemurairo, mabhengi inozviisa pasi uwandu hwezvinhu zvose zvabatanidzwa. zvemitemo mabasa yokudzora rwezvemabhengi mabasa. MuRussia, chikuru chiri Federal Mutemo "On rwezvemabhengi basa", uye, somuenzaniso, kuti ukama pakati mukwereti uye kubhengi dzinotungamirirwa ne Civil Code.

Panyaya dzemari murau, ndicho nokuchengeta yezvokutengeserana mabhanga ne Central Bank. It okudenha uye revokes marezinesi, achaongorora zvemari nzvimbo kubhangi wacho, zvikurukuru, vanofanira kuva liquidity zvakakwana, pachena pamusoro kwema, pachiyero reserves pakuenzanisa jira, ndiye mitemo rokuzvidavirira uye zvichingodaro. D.

mitemo Russian anopa inishuwarenzi pakati deposits evanhu zvakadyiwa mubhengi rezinesi kunobviswa, mari - kusvika mamiriyoni 1,4 rubles, uye pasi inishuwarenzi anowira vo mubereko mipiro vaunganidza panguva caffeine of rezinesi. Uhwu mutemo hahuna kuti pamutemo masangano.