Ibhanki yakho inamandla kangakanani? Le Formula ikunceda ufumane
I-bhanki yeTexas Ratio yikhombisi enye ekunceda ukuba ubone ukuba yingozi kangakanani ibhanki, kwaye inokukunika isilumkiso esengaphambili sebhanki eyenza ukutyalomali olubi (ngaphandle kokukwazi ukufumana ilahleko ezinkulu).
I-Formula yoLungiso lweTexas
Ukubala i-Texas Ratio, ukwahlula i-asethi yezinto ezimbi zebhanki ngeempahla ezifumanekayo ukufihla ezo lahleko. Ngakumbi ngakumbi:
- Ulwahlulo lweempahla ezingenakulungelelanisa ngokulingana okuqhelekileyo kunye nokulahlekelwa kwemali-mboleko .
Iimpahla ezingafaniyo ziquka iimali-mboleko ezingapheliyo kunye ne-propati ekhoyo ukuba ibhanki ithathe ifa ngokuqhawula. Ezi zixhobo ziyimingcipheko enokuthi zibe yiindleko zebhanki. Nangona kunjalo, ezinye iingxowa-mali zingaba yimali-mboleko evela kurhulumente, kwaye ibhanki iya kubuyiselwa xa loo mboleko ingekho. Xa ukwenza izibalo zakho, qi niseka ukuba uhlukanise iimali-mboleko ezikhishwe phantsi kweenkqubo zikaRhulumente .
Emva koko, uya kufuna ukwazi ukuba ibhanki ikwazi ukujongana njani neendleko. Xa ubala ukulingana okubonakalayo, qi niseka ukususa i-assets engenakwenzeka njengobungqina- kuba ibhanki ayikwazi ukubhala isheke kwi-"intle" akhawunti ukuhlawula abathengi.
Ibhanki eneRatio ephezulu yaseTexas - ngokukodwa ukuba ububanzi bufikelela ku-1 okanye kwi-100% - bukhuphe ngaphezu kwebhanki ene-Texas Ratio ephantsi.
Umzekelo: kuthatha i-bhanki inexabiso elingabonakaliyo lweeRandi eziyi-90 zamaRandi, kunye nokulingana okuqhelekileyo kunye nokugcinwa kwemali-mboleko ye-$ 100 yezigidigidi. Uhlula i-$ 90 yezigidigidi ukuya kwii-100 zeebhiliyoni ezibangelwa yi-.9 okanye i-90%. Oku kuphakamileyo, kwaye ibhanki kufuneka isetyenziswe kuphela ngokuqapha (umzekelo, ukuba umlinganiselo uyancipha ngokucacileyo, uhlala phantsi kwe-FDIC imida yokukhawulela, kwaye uyazi ukuba kukho isicwangciso esiqinileyo esikuyo ukunciphisa umlinganiselo) .
Ukuba awuyithandi imbono yokubala umlinganiselo ngokwakho - khumbula ukuba kuya kufuneka ufune ukucima iifayile kunye nokwahlula imali-mboleko eqinisekisiwe nguhulumeni-fumana ukuba umntu usele wenze umsebenzi kuwe. Iiwebhusayithi eziliqela zipapasha i-Texas Ratios (okanye ubuncinci uluhlu lweebhanki ezinamaxabiso aphezulu kunye aphantsi, anokukunika ulwazi olwaneleyo lokwenza isigqibo).
Ukusebenzisa i-Texas Ratio
I-Texas Ratio iyanceda, kodwa akukho mqondiso omnye ophelileyo. Amabhanki angenza kwaye ahlale esombululo kunye namaxabiso aphezulu, kwaye iibhanki ezintle maxa wambi zihamba kakubi (ngoko kubalulekile ukubukela ulwalathiso kunye nezinga lebhanki yakho yebhanki). Ukongeza kwi-Texas Ratio, ezinye iindlela ezininzi zokulinganisela ziyafumaneka:
- I-Bankrate ibalwa isiKhuseli esiKhuselekileyo nesiSandi
- I-BauerFinancial idala ukulinganisa kweenkwenkwezi
Unokufumana ingqiqo kwiibhanki zengingqi kunye neemanyano zemali-mboleko ngokufunda iindaba. Utshintsho kubasebenzi kunye nokubonakala ngokuphindaphindiweyo kwiintloko kufuneka kuphakame ukusola.
Ngokuqinisekileyo, kuya kunceda ukubukela iminikelo yemveliso yebhanki:
- Ukuba ibhanki ayinakunqweneleka, kunokuthi itingakwazi ukuhlawula ixabiso lentengo ephezulu kwi-akhawunti yokulondoloza (okanye unikele ngezinga elingaphantsi kwimali-mboleko) - ngoko kutheni ungatshintshi amabhanki ?
- Ukuba ibhanki ibonakala ilungile ukuba yinyani, ingase ithathe ingozi emngciphekweni wokuzama ukukhangela imali ngokukhawuleza
Kutheni iTexas?
Ngama-1980, urhulumente waseTexas wafumana ukuhluma kwezoqoqosho ngokuqhutywa ngamandla ngamandla. Ngokuqhelekileyo kwenzeka, iqela laphela ngokukhawuleza. Amabhanki ancedisa ukuxhasa imali, kwaye abazange bahlawule rhoqo xa izinto zihamba. Nangona iibhanki kwezinye iimeko zifumana iziphumo ezifanayo, iTexas yayimangalisa: ngokutsho kweBhanki yaseStar Reserve yaseDallas, "urhulumente wahokela uhlanga kwiingcipheko zebhanki ngamnye ngonyaka ukususela ngo-1986 ukuya ku-1992." UGerard Cassidy waqalisa ukubala waza waqulunqa ibinzana elithi " I-Texas Ratio. "
I-Texas yayiphumelele kakhulu ngenxa yexesha: umyinge wasungulwa ngexesha le-oil boom. Ezinye iindawo ziye zazibona zihamba kunye nezijikelezo zebhanki.