Amabhanki Ashishino Amaninzi Akhawunti Zomntu
Abathengi abaninzi baya kuba neengxelo zokujonga kunye / okanye ukugcina imali kwiibhanki zorhwebo.
Ibhishini eliphambili lebhanki libandakanya ukuthatha impahla ephathekayo njengemaliyo kwaye ibolekisa loo maxabiso kwabanye abathengi ngenqanaba lomdla.
Ezi mabhanki zenza imali ngokuboleka imali ngenani lentengo ephezulu kunomyinge wenzala abayihlawula ukufaka i-akhawunti yabanikazi. Benza imali ngemali ehlawulwe kwi-akhawunti nganye.
Intlawulo yemali yebhanki kwiimali-mboleko kunye nemigqaliselo ebolekileyo yemboleko (okanye ezinye iindidi zeziko lemali-mboleko) ziya kuxhomekeka kumgangatho wezinga langoku.
Iibhanki zabaThengi ziquka iiNkonyunithi zetyala
Ibhanki yabathengi, njengebhanki yemali-mboleko okanye ibhanki elondolozayo, inokugxila kwiimfuno zebhanki zomntu othile kwiqela okanye imboni ethile. Ingcamango engemva kwezi bhanki kukuba ngokwenza ibhizinisi kunye nabo, uxhasa elo qela okanye imboni ethile.
Imanyano yamatyala inikezela ezininzi iinkonzo ezifanayo ukuba iibhanki zorhwebo zinikezela, kubandakanya ukuhlola i-akhawunti, i-akhawunti yokulondoloza, iimali zokubolekwa kwemali kunye nezinye iimali-mboleko kunye namakhadi-mboleko.
Iibhanki ezizimeleyo , okwangokunjalo, ukuhlangabezana neemfuno zabantu abaphezulu abanamatha kunye namashishini abo, ahluke kwiimfuno zabaxhasi abaninzi.
Amakhasimende asebhankini abucala kufuneka aqinisekise ubungakanani obuncinane bokufumana iinkonzo zebhanki zangasese. Iinkonzo zebhanki ezizimeleyo ziquka irhafu kunye nocwangciso lwefa, ukucwangcisa irhafu , kunye nokucwangciswa kwezipho zobubele.
Ibhanki yezoTyalo-mali iphakamisa iBusiness-Capital
Iibhanki zotyalo-mali zingasebenza kunye namashishini ukuthengisa amabhonkco, okuyiyo mboleko kwi-shishini esuka kubatyalomali kwizinga elithile lomdla.
Ibhanki yotyalo-mali "yindoda ephakathi," ukusabalalisa umbandela wokubambisa kwabathengi kunye nokunye ukulungiselela ukuthengiselana.
Ibhanki yotyalo-mali inokukhetha ukusabalalisa izibophelelo ezixhaswa esidlangalaleni kubathengi okanye ukulungiselela ukufakwa kwangasese kwetyala lenkampani yabaxumi ngqo kwelinye inkampani.
Amanani eebhanki amatyala ngokwe-current rate curve yield and kredit rating. Xa inkampani inexabiso eliphezulu lekhredithi, kufuneka lihlawule elincinci ukuthengisa amabhondi kumashishini karhulumente okanye abucala.
Iibhanki zotyalo-mali ziphakamisa inkunzi kwiinkampani zabaxhasi ngokuhlela imiba yokulingana, eyaziwa ngokuba yi-stock. Iibhanki zotyalo-mali zifumana iifizi ezivela kubaxhasi ukuphakamisa i-capital, kwaye iibhanki ezininzi zotyalo-mali ziqeshe ukuthengisa nokuthengisa amaqela ekuthengiseni amatyala kunye nezobulungisa.
Ekugqibeleni, iibhanki zotyalo-mali zinceda abathengi ukuba bahlaziye iitalente zemali. Kwezinye iimeko, ibhanki idala izicwangciso ezintsha zokutyalomali okanye isebenzise ezinye iimpahla zeemali zabaxumi njengezibambisene zamatyala. Iibhanki zotyalo-mali nazo zingasebenzisa izinto ezibizwa ngokuba zixhobo zokusebenza-eziquka ukhetho, ixesha elizayo kunye ne-swaps-ukunceda abathengi ukuba bafezekise iinjongo zabo zemali.
AbaThengi basebenzisa iiBhanki
Abathengi basebenzise ibhanki ukugcina izibonelelo zabo zemali zikhuselekile kwaye zifumaneka ngokulula ukuze zisetyenziswe.
Iifosti ezenziwa ngabathengi bebhanki ziqinisekiswe yi- Federal Deposit Insurance Corporation (FDIC). Abathengi bebhanki bancike ekusebenzeni kwabo ukuhlawula imali yabo egcinwe kwi-akhawunti ebhankini xa becela ibhanki ukuba yenze njalo.
Amabhanki avumela abathengi ukuba bahlawule imbopheleleko yabo yemali ngokubhala isheke kwi-akhawunti yebhanki. Iibhanki zibandakanyeke ngoko zisingatha ukuthengiselana, ukuququzelela ukudluliselwa kweemali kumniki.
Amabhanki abuye ahlinzeke ngamakhadi e-debit kubathengi, okuvumela ukuba ufikelele kwimali yakho ngaphandle kokuba ubhale isheke okanye wenze ukukhishwa kwemali. Amakhadi e-Debit anokukunceda ukurhoxisa imali kwi-banker's teller machine.
Iintlobo zemali evela kwiBhanki
Kukho iintlobo ezahlukeneyo zemboleko ezifumanekayo kumthengi ngamnye kumabhanki.
Ngokomzekelo, abathengi banokufumana ukukhuselwa kwe-overdraft ebhankini.
Kwiimeko ezininzi, ukuba umthengi uhoxise imali ngaphezu kwe-akhawunti, ibhanki ityala ukuba umthengi umrhumo. Kodwa ukukhuselwa kwe-overdraft, okuqhelekileyo iza kwifomu yomboleko ofikelelekileyo xa umthengi ekhupha i-akhawunti, unokukhusela kuloo mali.
Amabhanki abuye aboleke imali kubathengi bangebucala nabashishini. Ezi mboleko zithatha uhlobo lwemboleko mboleko , iimali-mboleko zorhwebo / zoshishino, kunye nemali-mboleko yempahla / yempahla (iimali-mboleko).
Kwaye, iibhanki zikhupha amakhadi enkoleko kumakhasimende. Ikhadi lesikweleti enye indlela yokuboleka imali ekhoyo kumthengi. Ibhanki iphinde isekele ishishini layo lekhadi lekhredithi ngokuhlawula iifizi zokuhlawula iintlawulo zokulungisa iibhanki zamakhadi ezikolo. Ukuxhasa abathengisi bamkela amakhadi eentengo zemboleko, iibhanki zinokunika inkonzo yenethwekhi yomthengisi . Iinkonzo zenethwekhi yomthengisi ziquka iipedini zamakhadi okanye oomatshini bekhadi lesikweletu.
Iinkonzo zeMali ezingaphezulu kwiBhanki
Amabhanki ancedisa ukutshintshwa kweengxowa-mali kubathengi nge-transfert ye-wire kunye nokudluliselwa kwemali. Amabhanki asebenzisa inethiwekhi ye-interbank ukuthumela imali kubathengi. Iibhanki zibonelela kwakhona iitsheki eziqinisekisiweyo okanye zabashibi. Ibhanki iqinisekisa isheke ukwenzela ukuba umthengi anganikela njengemali ekhoyo eqinisekisiweyo. Ukwenza isheke eqinisekisiwe, ibhanki ngokuqhelekileyo ihoxisa imali yabaxhasi.
Ekugqibeleni, iibhanki zinikezela iinkonzo zengxelo yomntu ongu-notary ukuqinisekiswa kwamaxwebhu abalulekileyo amakhasimende.