Yanzu liquidity a matsayin nuna alama na da tasiri na solvency management

Management of liquidity da kuma solvency na banki ne a rubuce dangane da dama daban-daban theories: ka'idar rance, tafi, ana sa ran samun kudin shiga, da kuma sauransu. Su duka suna da amfani ko rashin amfani, kuma a cikin m siffan ba ya dace da m bukatun. Duk da haka, ta kira na wasu msar tambayar al'amurran da bankuna haifar da kansa ra'ayi na liquidity management, da suka fi dacewa da bukatun na aikinsu, da kuma aka yi amfani da nasara.

A halin yanzu mataki na selection amfani a banki liquidity management ra'ayi ma'anar biyu, na fuskantar: ko dai banki dole ne ko da yaushe ci gaba a ajiye wani isasshen adadin ruwa dukiya, ko suna da damar don jawo hankalin liquidity a kowane batu a cikin kudi kasuwa. A tattalin arziki adabi, wannan madadin da aka bayyana a cikin rabuwa na banki liquidity likvidnost- "aminci" (gyarawa liquidity) da kuma likvidnost- "kwarara" (yanzu liquidity). A farko daga cikin wadannan ya bayyana liquidity na banki balance ba lokaci, a shirye ka sadu da duk halin yanzu wajibai a kan tushen da samuwa liquidity. Yanzu liquidity nuna yiwuwar mayar illiquid dukiya a cikin mafi ruwa cewa, tare da samar da m kaya liquidity damar fi dacewa iko foldable yanayi.

Wannan tsarin kula da nazari liquidity kayyade ciki rinjaye a lokacin liquidity management dabarun, babban wadanda kasancewa: kula da dabarun da kadarori, dukiya da wajibobi.

A farko daga cikin wadannan ne jari na banki liquidity a cikin nau'i na kudi. A amfani da wannan dabarun da aka qaddara kasancewar a kasar, ɓullo da kudi kasuwanni da barga farashin da kuma yiwuwar reimbursement na farko zuba jari a magangara mafi ƙasƙanci hadarin. alhaki management dabarun dogara ne a kan rance mai wajen biya, a lokacin da na yanzu liquidity ne low. Mafi gamsarwa da bukatun na zamani yi shi ne na uku dabarun. Yana tabbatar da cewa yanzu liquidity ne kiyaye da har a wadda ake bukata saduwa halin yanzu da bukatun, kazalika da su aiki da hannu a kasuwar idan ya cancanta.

Yanzu liquidity, tare da duk sama da dabarun da kuma hanyoyin, a yi shi ne bayar a wani m matakin, yayin da su kansu ke kula da dabarun bayyana kansu quite tasiri da kuma yadu amfani da zamani bankuna a aiwatar da liquidity management. Duk da haka, kasancewar wani yawan makawa yanayi na nasarar da aikace-aikace ba ya bayar da banki da cikakken tabbaci a cikin aminci daga ayyukan. Data management dabaru albarkatun an halin da low matakin na daidaito, wadda take kaiwa zuwa asarar da wani gagarumin ɓangare na riba m, kuma a halin da ake ciki inda yanzu liquidity an rage. A wannan yanayin, ba za su iya kawai a yi amfani da farko don warware wani riga data kasance halin da ake ciki. Duk da haka, wani tasiri hanyar adana da liquidity banki ne kiyasin wani yiwu Ɗaukaka da mummunan yanayi domin daukar m matakan. Saboda haka muhimmanci a wannan mataki ne a yi la'akari da m bayyanuwar banki liquidity ma kamar likvidnost- "hasashen".

Likvidnost- "hasashen" ne halin da katin shaida na yiwu cin hanyar al'amura a liquidity a cikin sharudda da kuma tallafi na mai yawan dace matakan domin samu matsakaicin amfani daga halin da ake ciki. Hanya liquidity management a cikin wannan m dogara ne a kan hanya na ilmin lissafi tallan kayan kawa na tsauri matakai tare da takamaiman yi ingantawa. Wadannan hanyoyin sa shi yiwuwa a kara yadda ya dace da management yanke shawara da kuma samar da zama dole matakin tsaro.