Cash management banki

Management of wani kuzari tasowa bashi ma'aikata dole ne nemi su tabbatar da cewa darajar da banki na gabatowa matsakaicin, watau, da banki da ke sa wani riba a wani matakin na hadarin. Bi da bi, da banki hadarin gudanar da shi ne wani hadadden tsari ciki har da wani tsabar kudi kwarara management, m saka idanu na da alama na hadarin da asarar da kareshi da tasiri sabis, zaɓi na Ƙwararren ma'aikaci ne a kan talakawa da kuma shiryarwa matsayi aiwatar sarrafa kansa tafiyar matakai.

Banking kasada ya kasu kashi da dama babban kungiyoyin:

1. Financial kasada, da suka hada da kasuwar da kuma kudin hadarin, liquidity hadarin, sha'awa kudi da kuma bashi hadarin, babban birnin kasar adequacy hadarin, balance sheet tsarin, kudi kalamai.

2. A kasuwanci hadari, ciki har da kasada na kudi kayayyakin more rayuwa, shari'a, kasuwar.

3. A kasada na gaggawa yanayi, daga cikinsu siyasa kasada na banki rikicin a kasar da wuri na banki, kazalika da kasashen waje.

4. aiki kasada, ciki har da zamba ma'aikatan ko abokan ciniki, kasada na fasaha gazawar, da zaba dabarun da ciki tsarin na wani bashi ma'aikata.

A mafi wuya ga sarrafa da kasada suna dauke gaggawa, kamar yadda sau da yawa da suka bayyana ne kwatsam kuma ba za a iya foreseen, musamman idan wani daga cikin banki ta dukiya suna located a wata kasa. Alal misali, a ban a kan yadda ake gudanar da adibas a wata kasa negates tsabar kudi kwarara management, abin da ya kamata zo a cikin hanya daya ko wani banki. Wasu kasada za a iya rage girmanta kuma ya zama nasara.

Saboda gaskiya cewa babban bankin ayyukan ne kamar jari na kudi da kuma sanya su samuwa a cikin nau'i na rance, wani gagarumin rabo a cikin banki ta bashi hadarin rufe. Yana hada da alama cewa borrower ba biya da baya da rance a cika, za kawai koma bangare ko gudanar da wani dawo aiki bayan da wa'adin.

Daga cikin bashi hadarin a saki bad addini na mutane, ba biya da kamfanoni abokan ciniki, kazalika da kasada cewa kowane jihar zai rasa ikon biya da wajibai (sarki).

Credit hadarin gudanar da ya shafi:

- management na banki ta bashi fayil, da ka'idodin da aka nuna a cikin dacewa manufofin shirin jeri na bashi albarkatu, da dai sauransu.;

- kisan bashi ayyuka (rance kamata a koma, yin riba, kuma ya zama a bukatar a kasuwa).

- m saka idanu na ingancin da rance fayil.

- da kasafi na ba-yin rance, da kuma matakan da ga makõmarsu take.

- rage daga cikin haɗarin bashi da minimizing kan-manyan rance ga wani mutum, yankin ko da kasa, halittar madadin tsarin for bashi asarar da sauransu.

Bugu da kari ya biya na rance, bankin dole ne tara kudi domin adibas, kamar yadda domin da kansa asusun samar kawai karamin rabo daga rance. Domin nagarta sosai samar da tsabar kudi kwarara management, shi wajibi ne don nazarin janar tattalin arziki trends da fafatawa a gasa 'tayi don saita amfani rates a kan adibas, m ga abokan ciniki to da suna mai kyau, to ara kudi a kan interbank kasuwa, ya sadu da kullum da bukatun ga bayar da kansa Securities, shi ne m da su zuba jari moneys samu yana nufin, misali, a cikin stock ko kudin kasuwanni, da sauransu.

Manajan tsabar kudi kwarara na banki ne wani hadadden tsari, da karshen sakamakon wanda ya zama mafi kyau duka balance sheet tsarin, samar da wani riba a da ake so matakin da hadarin da kuma yarda da data kasance dokoki da dokokin.