Chifukwa chiyani utsogoleri wamabanki uyenera kukhala wamphamvu?

Chifukwa chiyani utsogoleri wamabanki uyenera kukhala wamphamvu? Funso ili ndilofunika kwambiri lomwe timapanga m'nkhaniyi. Zisanachitike chitukuko chilichonse, ndikufuna ndikukumbutseni kuti mabanki ali makampani athunthu. Mosiyana ndi makampani azikhalidwe, amalandila madipoziti kuchokera kwa makasitomala awo ndi thandizo lawo ngati ngongole. Kuphatikiza apo, amakumana ndi anthu ambiri okhudzidwa (makasitomala, ma sheya, mabanki ena, etc.) ..

Kuchuluka kwa okhudzidwa uku kumawonjezera mgwirizano wa mabungwe ndipo motero mikangano yamabungwe. Chifukwa chake kuyambira nthawi iyi pomwe utsogoleri ukulowererapo kuti achepetse mikangano yamabungwe mkati mwamakampani.

M'nkhaniyi ndikuwonetsani zovuta zazikulu za utsogoleri wamabanki. Mwanjira ina, Finance de Demain ndikuuzeni chifukwa chake utsogoleri wamabanki uyenera kukhala wokhazikika.

Tiyeni tizipita !!

🌿 Ulamuliro wamakampani ndi chiyani?

mawu Boma imanena za momwe bizinesi ya kampani imachitikira. Mu kampani, utsogoleri wamakampani umatanthawuza kuganizira zofuna za omwe akukhudzidwa nawo popanga zisankho.

Chifukwa chake, ulamuliro wabwino ungawonetsetse njira yokhazikika komanso yothandiza yopangira zabwino kwa onse. M'malo mwake, ndikofunikira kukumbukira kuti utsogoleri wamabizinesi umapeza kufotokozera kuyambira pomwe zofuna za okhudzidwa zimasiyana.

Kampani ndiyoposa zonse a ma contract node » kuphatikiza mamenejala, antchito ndi osunga ndalama. Pachifukwa ichi pali mikangano mwachibadwa pakati pa magulu awa ku mgwirizano.

Mikangano imatha kutsutsana ndi omwe ali ndi masheya kwa mamanenjala, omwe ali nawo pakati pawo (ochepa poyerekeza ndi ambiri), kapena obwereketsa ndalama (mabanki ndi ma bondholder makamaka) kwa omwe ali ndi masheya.

M'mabanki, mikanganoyi ikukulirakulira chifukwa pali mitundu ingapo ya maubwenzi a mabungwe. Mwachitsanzo, tili ndi maubwenzi awa: oyang'anira/ogawana nawo, banki/makasitomala, eni masheya/makasitomala.

La utsogoleri wamabanki ikuyenera kukhudzanso nkhani za mphamvu, kuwongolera, kuwonekera, kasamalidwe ka ndalama ndi kuvomerezeka kwa bungwe.

Zimakhudza nkhani zonse za mikangano ya chidwi pakati pa anthu ogwira nawo ntchito ndi omwe akugwirizana ndi kusunga chikhulupiliro pakati pawo.

Nkhani yoti muwerenge: Kodi zoopsa zamabanki achisilamu ndi ziti?

Mabanki akuyenera kuwunika kuopsa kwa zochita zawo, ndipo izi, makamaka pakukula kapena mpikisano. Izi zimafunanso ukatswiri wamabanki ndi zachuma pagulu.

Kuphatikiza apo, mabanki amayenera kulinganiza zolinga zamagulu ndi zolinga zachuma kuti akwaniritse omwe ali nawo ambiri.

🌿 Kukhazikika kwa mabanki poyerekeza ndi makampani ena

Makampani akubanki ali ndi mawonekedwe awoawo. Zomwe mabanki amayang'anira ntchito zawo, kukhalapo kwa ndalama zogulira, kufunikira kwa kusiyanasiyana kwa zoopsa, kuchuluka kwa kufunikira kwa zatsopano pamlingo komanso pamlingo wowongolera.

Zowona zake, pali zinthu zingapo zomwe zimatsimikizira chidwi cha kayendetsedwe kabwino ka banki.

✔ Mkhalidwe wa ntchito za banki

Banki imagwira ntchito yolumikizira ndalama pakati pa othandizira azachuma. Imasonkhanitsa ma depositi a makasitomala ake kuti alowe m'malo ndi makasitomala ena ndipo potero amapanga ndalama.

Kwa izi, amagwiritsa ntchito likulu lake kuteteza malonda zomwe zimachita ngati kuchulukitsa kwake. Ili ndi ntchito yodalirika motsutsana ndi makasitomala ake komanso ntchito yachitetezo motsutsana ndi omwe ali ndi masheya, makasitomala ndi msika.

Chifukwa chake ntchito ya banki imafunikira kubweza kwanthawi zonse ndi ndalama. Ichi ndi chifukwa choyamba chomwe utsogoleri wamabanki uyenera kukhala wolimba mkati mwa mabanki.

✔️ Kufunika kosiyanasiyana kowopsa

Mabanki, mosiyana ndi makampani achikhalidwe, amakumana ndi zoopsa zambiri. Izi zikuphatikizapo chiwopsezo cha ndalama, chiwopsezo cha anzawo, ndi zina.

Pachifukwa ichi ndikofunikira kuchita ngozi zosiyanasiyana chifukwa simuyika mazira anu onse mudengu limodzi. Kusiyanasiyana uku kumakhala ndi kusankha a kuphatikiza kwamitundu yosiyanasiyana kuchepetsa chiopsezo chokhudzana ndi mbiri yanu.

Mwachidziwitso, kusiyanasiyana kumakupatsani mwayi wochepetsera chiwopsezo pazambiri zanu popanda kusiya kubweza komwe mungabwere. Ntchito yabwino imabweretsa phindu linalake chiopsezo chotsika kwambiri.

Pomwe mbiri yanu yakhala yosiyana kwambiri, muyenera kutenga chiopsezo china kuti muwonjezere kubweza kwake.

Kuti musinthe bwino mbiri yanu, mufunika kulumikizana bwino pakati pa banki. Ichi ndi chifukwa chachiwiri chomwe utsogoleri wa banki uyenera kukhala wolimba.

✔ Mulingo wa kufunikira kwaukadaulo wamabanki

Innovation imatanthawuza kuchitidwa kwa kuphatikiza kwatsopano. Zingakhudze kupanga zabwino zatsopano, kuyambitsa njira yatsopano yopangira, kutsegulidwa kwa malo atsopano; kulandidwa kwa gwero latsopano la zopangira kapena zinthu…

M'zaka zaposachedwa, mabanki ayamba kugwiritsa ntchito njira zatsopano. Malinga ndi Chesbrough (2003), njira yatsopanoyi yotengera njira zamayanjano idayesedwa koyambirira ndi makampani omwe siazachuma.

Zatsopano zamtunduwu zimachokera ku mgwirizano pakati pa banki ndi mabwenzi ake.

Nkhani yoti iwerenge: Kodi zoopsa zamabanki achisilamu ndi ziti?

Pomaliza, zatsopano ndizofunikira kwambiri kwa mabanki omwe akufuna kukhalabe opikisana. Malinga ndi Madan and Soubra (1991) zatsopano zimalola mabanki kuonjezera phindu lawo pochepetsa ndalama zogulira, kufufuza ndi malonda.

Munthawi yamavuto monga momwe zilili ndi COVID19, ukadaulo wamabanki umapereka mwayi wampikisano kumabanki ena. Kuti kukhazikitsidwa kutheke, zonse zimatengera kayendetsedwe ka kayendetsedwe ka kampani.

Choncho, ulamuliro wabwino ungapangitse phindu lowonjezereka kwa onse. Ichi ndi chifukwa chachitatu chomwe chimafotokoza kufunikira kolamulira mwamphamvu mabanki.

✔ Chifukwa chiyani utsogoleri wamabanki uyenera kukhala wamphamvu? Bankiyi ndi mphambano ya anthu ambiri okhudzidwa

Mosiyana ndi makampani achikhalidwe, mabanki amabweretsa pamodzi ambiri omwe akukhudzidwa omwe utsogoleri wawo uyenera kuwaganizira.

Okhudzidwa ndi anthu onse achilengedwe kapena ovomerezeka omwe ali ndi nkhawa komanso omwe angakhudze zisankho za kampani. Iwo akhoza kukhala mkati kapena kunja kwa banki.

Nkhani yoti muwerenge: Zonse zokhudza msika wogulitsa

Okhudzidwa amkati ndi gawo la ogwira ntchito kubanki (oyang'anira, antchito, ndi zina zotero). Ponena za okhudzidwa akunja, tili ndi: mabanki othandizira, makasitomala, ogulitsa, ndi zina.

Ogwira nawo ntchito amatenga nawo mbali pazosankha za banki pomwe omwe akuchita nawo chidwi amatsatira zisankho za banki. Kulemera kwa wokhudzidwa aliyense kumakhala ndi zotsatira pa kayendetsedwe ka makampani.

Anthu omwe ali ndi chidwi chofuna kuchitapo kanthu amaika zofuna zawo patsogolo kuposa za ena.

Les ambiri omwe ali ndi masheya mwachitsanzo adzafuna kukakamiza kufuna kwawo kuwononga omwe ali ndi magawo ochepa. Mwanjira iyi, banki imakumana ndi mikangano yambiri yamabungwe.

Osati kokha ndi abwenzi amkati, komanso ndi abwenzi akunja. Izi zikuchulukirachulukira m'mabanki achisilamu.

Nkhani yoti muwerenge: Njira Zabwino Zachuma Zomwe Zimagwira Ntchito Mogwira Ntchito

Kuti tithane ndi mavuto onsewa, payenera kukhazikitsidwa dongosolo la kayendetsedwe kabwino ka zinthu. Ichi ndi chifukwa chachinayi chomwe utsogoleri wa banki uyenera kukhala wolimba.

🌿 Kodi mungachepetse bwanji mikangano yamabanki?

M'zimene tangonena kumene, zikuwonekeratu kuti utsogoleri wamabanki uyenera kuthana ndi mitundu ingapo ya mikangano ya chidwi. Kuti agwire ntchitoyi, kayendetsedwe ka mabanki ali ndi njira zingapo zomwe zimadziwika kuti njira zoyendetsera ulamuliro.

Etymologically, makina ndi gulu la zinthu, zomwe zina zimatha kusuntha poyerekeza ndi zina. Kusonkhana uku sikupanga cholimba. Aliyense chinthu ndi chodziimira.

Agency imakangana ndi angongole amakhazikika kudzera munjira monga zitsimikizo zamakontrakitala, njira zamalamulo zothetsa milandu, msika wazachuma, kapenanso njira zosakhazikika monga mbiri.

Nkhani yoti muwerenge: Kodi katswiri wa zachuma amachita chiyani?

Njira zosiyanasiyanazi sizimagwira ntchito zofanana ndipo kufunikira kwake kumadalira mtundu ndi zochita za kampaniyo.

Mu ndondomeko ya ulamuliro, msonkhano uwu ukhoza kugawidwa m'magulu awiri:

✔ Njira zomangidwa kapena "mwadala".

M'gululi tili ndi ufulu wovota pa board of directors (CA), mawonekedwe a CA (kukula, kuwonekera, kudziyimira pawokha, etc.) ndi makomiti (kufufuza, malipiro, etc.).

Njira zolipirira komanso mbiri ya manejala zimagweranso m'gululi. Njira yayikulu yoyendetsera mabanki ndi board of directors.

✔ Njira "zodzidzimutsa".

Gulu la machitidwewa likugwirizana ndi mpikisano wamsika. Mulimonse momwe zingakhalire, njirazi ndi cholinga chochepetsa mikangano ya mabungwe pakati pa okhudzidwa.

Chifukwa chake, kwamakampani akuluakulu omwe adatchulidwa, olemba ena amawona kuti njira yayikulu ndi msika wowongolera. Oyang'anira aziyesetsa kuyang'anira makampani bwino kuti akweze mbiri yawo komanso kufunika kwake pamsika uno.

Nkhani yoti muwerenge: Kusiyana pakati pa mabanki achisilamu ndi mabanki wamba

Pamwamba pa msika wamkulu Palinso njira ina yodziwikiratu, kuwongolera. Kuwongolera mabanki kumawonedwa ngati kuyang'anira ndi kuyang'anira ntchito zamabanki, poziyika kuti zigwirizane ndi miyezo yosiyanasiyana, kuti athe kuwongolera zoopsa kuti ateteze chitetezo cha osunga ndalama, kukhazikika kwadongosolo lazachuma ndi miyeso yayikulu.

Kuti izi zitheke, malamulo amabanki amadalira kwambiri kuwongolera ndi kuyang'anira.

La malamulo amabanki Zimatengera makamaka kuyika kuchuluka kwa ndalama zocheperako, kapena chiŵerengero cha ndalama mu jargon, zomwe mabanki ayenera kukhala nawo kuti athe kuthana ndi vuto lazachuma.

🌿 Powombetsa mkota…

Ulamuliro wabwino wamabanki ndichinthu chofunikira kwambiri chomwe sichinachitikepo ngati tikufuna kukhalabe ndi chidaliro cha ena omwe ali nawo. Malinga ndi a Lipoti la komiti ya Basel lofalitsidwa mu 2015, utsogoleri wamakampani umafuna kulimbikitsa ntchito zonse za bungwe la oyang'anira poyang'anira ndi kuyang'anira zoopsa.

Chifukwa cha momwe mabanki amagwirira ntchito, utsogoleri ndi chinthu chofunikira kwambiri kulimba ndi chitukuko cha mabanki.

Kuwongolera ma depositi amakasitomala, kuwapatsa ngongole komanso kukhala ndi mwayi wodziwa zambiri zachinsinsi zamakasitomala kumawonjezera kufunikira kowongolera bwino komanso koyenera; malamulo okhwima ndi kuyang'anira (El Marzouki ndi Benlechehab, 2017).

Kuphatikiza apo, mabanki amakumana ndi mikangano yamabungwe poyerekeza ndi mitundu ina yamabizinesi.

Siyani maganizo anu mu ndemanga. Komabe, ngati mukufuna kuwongolera ndalama zanu m'miyezi isanu ndi umodzi, ndikupangira izi.