Zonse zomwe muyenera kudziwa za chitsimikizo cha banki

Takulandirani ku nkhani yathunthu iyi chitsimikizo cha banki. Kaya ndinu wazamalonda, wogulitsa kapena mukungofuna kudziwa zambiri za mutuwu, mwafika pamalo oyenera. Zitsimikizo za banki ndi zida zofunika zachuma zomwe zimapereka chitetezo ndi chitetezo pamabizinesi.

M'nkhaniyi, tifufuza mwatsatanetsatane chomwe chitsimikiziro cha banki ndi, momwe chimagwirira ntchito ndi mitundu yosiyanasiyana ya zitsimikizo zomwe zilipo. Tikambirananso za zabwino ndi zoyipa kugwiritsa ntchito zitsimikizo za banki, komanso momwe zimagwiritsidwira ntchito nthawi zambiri.

Kaya mukufuna kumvetsetsa momwe mungapezere chitsimikizo chakubanki, momwe mungagwiritsire ntchito mubizinesi yanu kapena kungokulitsa chidziwitso chanu pankhaniyi, taphatikiza zonse zomwe mukufuna.

Koma musanayambe, apa pali maphunziro apamwamba omwe angakuthandizeni amakulolani kuti mudziwe zinsinsi zonse kuti muchite bwino mu Podcast.

🥀 Kodi chitsimikizo cha banki ndi chiyani?

Zitsimikizo za banki zimapereka a cholinga chachikulu kwa mabizinesi ang'onoang'ono. Bankiyi, chifukwa cha khama lake kwa wopemphayo, imapatsa kukhulupilika ngati bwenzi lodalirika la malonda kwa wopindula ndi chitsimikizocho.

Kwenikweni, banki imayika sitampu yake yovomerezeka solvency ya wopempha, monga co-signatory m'malo mwa wopemphayo ponena za mgwirizano womwe anthu awiri akunja akulowamo.

Mwachitsanzo, a Kampani Xyz ndi fakitale ya nsalu yomwe yangokhazikitsidwa kumene yomwe ikufuna kugula nsalu zopangira ndalama zokwana 1 crore. The zopangira katundu supplier amafuna kuti Kampani Xyz imapereka chitsimikiziro cha banki kubweza malipiro musanatumize zopangira ku kampani Xyz.

Kampani ya Xyz imapempha ndikupeza chitsimikizo kuchokera ku bungwe la ngongole lomwe limasunga maakaunti ake azandalama. Banki imasaina mgwirizano wogula ndi wogulitsa. Ngati Xyz Company ilephera kulipira, wogulitsa atha kubwezanso kubanki.

🥀 Mitundu ya zitsimikizo za banki

Chitsimikizo cha banki ndi chandalama inayake komanso nthawi yodziwikiratu. Zimasonyeza momveka bwino zochitika zomwe chitsimikizocho chikugwiritsidwa ntchito pa mgwirizano. Chitsimikizo cha banki chikhoza kukhala chandalama kapena chogwirizana ndi ntchito.

✔ Chitsimikizo chandalama

Zitsimikizozi nthawi zambiri zimaperekedwa m'malo mwa ma depositi achitetezo. Mapangano ena angafunike kudzipereka kwachuma kuchokera kwa wogula monga chisungiko. Zikatero, m’malo moika ndalamazo, wogula angapereke chitsimikizo cha banki ya ndalama kwa wogulitsa ndalama zomwe zimalola wogulitsa kulipidwa ngati atatayika.

✔ Chitsimikizo chakuchita

Zitsimikizo izi zimaperekedwa kuti akwaniritse mgwirizano kapena a Ndikupempha. Pakakhala kusagwira ntchito, kusagwira ntchito kapena kuchepa kwa mgwirizano, kutayika kwa wopindula kudzalipidwa ndi banki.

chifukwa zitsimikizo za banki yakunja, monga momwe zimakhalira kunja kwa mayiko, pakhoza kukhala gulu lachinayi - banki yolembera yomwe imagwira ntchito m'dziko la opindula la domicile.

🥀 Chitsanzo chenicheni cha dziko

Kwa chitsanzo cha konkire, taganizirani wopanga wamkulu wa zida zaulimi. Ngakhale opanga atha kukhala ndi ogulitsa m'malo ambiri, nthawi zambiri zimakhala bwino kukhala ndi ogulitsa amderali pazinthu zazikulu, ponse pazifukwa zofikira komanso zotsika mtengo.

Momwemo, angafune kulowa nawo mgwirizano ndi kanyumba kakang'ono kazitsulo komwe kali m'dera la mafakitale lomwelo. Chifukwa chakuti wogulitsa wamng'onoyo sakudziwika, kampani yaikulu idzafuna kuti wogulitsa apeze chitsimikizo cha banki asanalowe mu mgwirizano wa 300 000 $ magawo a makina.

Ngati wogulitsa wamng'ono alandira chitsimikizo cha banki, kampani yaikulu idzalowa mu mgwirizano ndi wogulitsa. Panthawi imeneyi, kampaniyo ikhoza kulipira 300 000 $ pasadakhale, zikumveka kuti wogulitsa ayenera kupereka magawo omwe adagwirizana chaka chotsatira.

Ngati wogulitsa sangakwanitse kutero, wopanga zipangizo zaulimi akhoza kupempha kubanki kuti awonongeke chifukwa cha kuphwanya kwa mgwirizano wa wogulitsa.

Chifukwa cha chitsimikizo cha banki, wopanga zida zazikulu zaulimi amatha kufupikitsa ndikuchepetsa njira zake zogulitsira popanda kusokoneza chuma chake.

🥀 Kodi chitsimikizo cha kubanki chimawononga ndalama zingati?

Nthawi zambiri, ndalama za GB zimachokera pachiwopsezo chomwe banki imaganiza pakuchita kulikonse. Mwachitsanzo, timawona kuti GB yazachuma imakhala ndi zoopsa zambiri kuposa GB yogwira ntchito.

Chifukwa chake, komisheni yazachuma ya GB idzakhala yokwera kuposa yolipidwa chifukwa chakuchita bwino kwa GB. Kutengera mtundu wa GB, zolipirira nthawi zambiri zimaperekedwa kotala pa GB mtengo wa 0,75% kapena 0,50% pa nthawi yovomerezeka ya GB.

Kupatula izi, banki ikhozanso kulipiritsa chindapusa, chindapusa cholembera, komanso chindapusa. Nthawi zina, banki imafuna ndalama kuchokera kwa wopemphayo, yomwe nthawi zambiri imakhala 100% ya mtengo wa GB.

🥀 Kusiyana pakati pa chitsimikizo cha banki ndi kalata ya ngongole

Kalata ya Ngongole ndi chikalata chandalama chomwe chimapereka udindo kwa banki kuti alipire wopindula akamaliza ntchito zina monga momwe wopemphayo akufunira. LC ndi yoperekedwa ndi banki pamene wogula apempha banki yake kupereka malipiro kwa wogulitsa atalandira katundu kapena ntchito zina.

Banki pambuyo pake idzabweza ndalama zomwe zaperekedwa kwa wogula pamodzi ndi ndalama zomwe zimafunikira. Kumbali ina, pansi pa GB, banki imangofunika kulipira munthu wina ngati wopemphayo sapereka malipiro kwa wina kapena sakukwaniritsa zomwe zaperekedwa mu mgwirizano.

A GB imagwiritsidwa ntchito kutsimikizira wogulitsa kuti asawonongeke kapena kuwonongeka chifukwa chosagwira ntchito ndi gulu lina mu mgwirizano. LC nthawi zambiri samamvetsetsa ngati GB popeza amagawana zinthu zomwe zimafanana. Onsewa amagwira ntchito yofunika kwambiri pazachuma zamalonda pomwe ochita nawo malonda sanakhazikitse ubale wamabizinesi.

Komabe, pali kusiyana kwakukulu pakati pa LC ndi GB. Kusiyana kwakukulu pakati pa kalata ya ngongole ndi chitsimikizo cha banki ndi motere:

✔ Nature

LC ndi udindo wovomerezedwa ndi banki kuti alipire kwa wopindula ngati ntchito zina zachitika. GB ndi chitsimikiziro choperekedwa ndi banki kwa wopindula kuti apereke malipiro omwe aperekedwa ngati wopemphayo walephera.

✔ Udindo waukulu

Mu LC, banki imakhalabe ndi udindo waukulu wolipira ndipo pambuyo pake imatenga zomwezo kuchokera kwa kasitomala. Ndi GB, banki imayenera kulipira pokhapokha ngati kasitomala walephera.

✔ malipiro

Ndi LC, Banki imapereka malipiro kwa wopindula momwe ikuyenera. Palibe chifukwa chodikirira kuti chilema chipangidwe ndi kasitomala. Ndi GB, ndi pamene kasitomala alephera kulipira kwa wopindula ndi pamene banki imapanga malipiro.

✔ Zizolowezi zantchito

LC imatsimikizira kuti ndalamazo zidzalipidwa malinga ngati ntchitozo zikuchitidwa molingana ndi zomwe mwagwirizana. BG ikulonjeza kubweza kutayika ngati wodandaulayo sakukwaniritsa zomwe zatchulidwa.

✔ Chiwerengero cha maphwando okhudzidwa

Pali maphwando angapo omwe akukhudzidwa ndi kalata ya ngongole. Banki yomwe ikupereka LC, kasitomala wake, wopindula (wachitatu) ndi banki yolangizira. Pankhani ya GB, pali magulu atatu okha omwe akukhudzidwa: wobanki, kasitomala wake ndi wopindula (wachitatu).

✔ Kufunika kwake

Nthawi zambiri, LC ndiyoyenera kwambiri potumiza ndi kutumiza katundu ndi ntchito. Komano GB ndiyoyenera pazochita zonse zamalonda kapena zaumwini.

✔ Ngozi

Ndi LC, banki imakhala pachiwopsezo chochulukirapo kuposa kasitomala. Kumbali inayi, ndi GB kasitomala amatenga chiopsezo chachikulu.

🥀 Ubwino wa zitsimikizo za banki

Zitsimikizo za banki zimapereka maubwino angapo kwa omwe akuchita nawo malonda. Nazi zina mwazabwino za zitsimikizo za banki:

✔ Chitetezo chandalama

Zitsimikizo zakubanki zimapereka chitetezo chandalama kwa omwe adzapindule ndi chitsimikizo, nthawi zambiri ogulitsa kapena obwereketsa. Iwo ali ndi chitsimikizo chakuti malipiro awo adzaperekedwa, ngakhale ngati wobwereketsayo sakulemekeza udindo wawo wa mgwirizano. Izi zimachepetsa chiopsezo chokhudzana ndi zochitika zamabizinesi ndikupanga kukhulupirirana pakati pamagulu.

✔ Kuwonjezeka kwa chidaliro

Zitsimikizo za banki zimalimbikitsa kukhulupirirana pakati pa omwe akukhudzidwa nawo. Wopindulayo ali ndi chitsimikizo chakuti ndalamazo zidzaperekedwa ndi banki yomwe ikupereka, zomwe zingalimbikitse ogulitsa kuvomereza malonda abwino kapena kudzipereka ku makontrakitala a nthawi yayitali.

✔ Kuwongolera zochitika zapadziko lonse lapansi

Zitsimikizo zamabanki ndizofunikira kwambiri pazochita zapadziko lonse lapansi, pomwe zoopsa ndi kusatsimikizika kungakhale kokulirapo. Amathandizira maphwando kuthana ndi zopinga zokhudzana ndi mtunda, kusiyana kwa malamulo ndi zoopsa zandale, kupereka chitetezo cholimba chandalama.

✔ Kusinthasintha kwa zitsimikizo

Zitsimikizo za banki zitha kusinthidwa kuti zigwirizane ndi zosowa zamtundu uliwonse. Pali mitundu yosiyanasiyana ya zitsimikizo, monga malipiro, ma tender kapena zitsimikizo za ntchito. Izi zimathandiza kuti maphwando asankhe chitsimikiziro chomwe chikugwirizana bwino ndi momwe zinthu ziliri komanso kukambirana mawu abwino.

Kupeza ngongole

Zitsimikizo za banki zitha kupangitsa kuti mabizinesi azipeza ngongole. Popereka chitsimikiziro chandalama ku banki, bizinesi ikhoza kupeza ngongole kapena mizere yangongole panjira zabwino. Izi zingathandize kuthandizira kukula kwa bizinesi kapena kukwaniritsa zosowa zina zachuma.

🥀 Kuipa kwa zitsimikizo za banki

Ngakhale zitsimikizo zamabanki zimapereka zabwino zambiri, ndikofunikiranso kuganizira zovuta zina zomwe zingakhalepo. Nazi zina mwazovuta za chitsimikizo cha banki:

✔ Ndalama zachuma

Zitsimikizo za banki zitha kubweretsa ndalama kwa woperekayo. Mabanki nthawi zambiri amalipiritsa chindapusa kuti apereke ndi kusunga chitsimikiziro, chomwe chingakhale ndalama zowonjezera kubizinesi.

Kuphatikiza apo, mabanki angafunike chikole kapena ma depositi ndalama kuti apereke chitsimikizo, chomwe chingamangirire ndalama.

✔ Kudzipereka kwachuma

Banki ikapereka chitsimikizo, imapanga kudzipereka kwachuma kuti ilipire ngati satsatira zomwe wobwereketsayo wachita. Izi zikhoza kuyimira chiopsezo kwa banki, chifukwa iyenera kukonzekera kulemekeza chitsimikiziro, ngakhale ngati wobwereketsa sangathe kubwezera ndalama zotsimikiziridwa.

Izi zitha kusokoneza kuthekera kwa banki kupanga ngongole zina kapena kupereka chithandizo china chandalama.

✔ Zovuta komanso zolemba

Zitsimikizo za banki nthawi zambiri zimaphatikizapo njira zovuta komanso zofunikira zolembedwa.

Maphwando omwe akukhudzidwa ayenera kutsatira ndondomeko yeniyeni ya banki yomwe ikupereka, zomwe zingafunike nthawi yowonjezera ndi zothandizira. Kuonjezera apo, zolakwika kapena zosiyidwa muzolemba zingayambitse kuchedwa kwa chitsimikizo kapena kusavomerezeka.

✔ Kulephera kwa malo

Zitsimikizo zamabanki zitha kukhala zochepa malinga ndi malo. Mabanki ena sangapereke zitsimikizo kumadera ena kapena mayiko omwe akuwoneka kuti ali pachiwopsezo chachikulu. Izi zitha kuchepetsa zosankha zomwe zilipo kwa mabizinesi omwe akugwira ntchito m'maderawa.

✔ Kudalira banki yomwe ikupereka

Opindula ndi chitsimikizo cha banki nthawi zambiri amadalira mphamvu ndi mbiri ya banki yomwe ikupereka. Ngati banki ikukumana ndi mavuto azachuma kapena mbiri yake isokonezedwa, izi zitha kusokoneza chidaliro mu chitsimikizo komanso kuthekera kwa wopindula kupeza ndalama zomwe adalonjeza.

Ndikofunikira kuyeza mozama ubwino ndi kuipa kwa zitsimikizo za banki musanasankhe kuzigwiritsa ntchito pochita bizinesi inayake.