Banking aiki: yanayinsu da kuma ka'idojin

Yanzu dokar ba ta samar da wani sarari definition of "banki". Duk da haka, ana iya kammala da cewa shi ne ayyukan da za'ayi da bankuna da kuma sauran bashi cibiyoyin da kuma maida hankali ne akan dukan bakan da su yadda ake gudanar.

A mafi girma ci gaban banki tsiwirwirinsu bayan miƙa mulki ga wata kasuwar tattalin arziki, saboda a wannan lokacin ya fara ta samar da bankunan. Modern tattalin arziki ka'idar riko da cewa kawai banki cewa kungiyar iya kawo sunayensu, wanda yana da uku ainihin yadda ake gudanar: bayar da rance, ajiya shan da kuma aiwatar da biyan bashin ma'amaloli da suka abokan ciniki. Duk da haka, ban da asali ayyuka, da na rance ma'aikata na da hakkin ya samar da wasu ayyuka, misali, don gudanar da ayyukan a kan Securities kasuwar, to shawara da abokin ciniki da sauransu.

Banking aiki ya shafi aiwatar da musayar ayyukan, tabbatar da farko-aji abokan ciniki, da bude da kuma rufe daga cikin daban-daban asusun, bayar da rance, rance da kuma credits, kazalika da kiwon kudi a kan ajiya asusun na halitta da kuma doka mutane. A wasu lokuta, masu ba da bashi bayar da irin wannan ayyuka kamar yadda yin haya, ko hayar.

Da banki ayyuka na kowane ma'aikata ta fara da samun wani lasisi, wanda aka bayar da babban bankin. The National Bank lura da ayyukan da kamfanoni a wasu matakan na banki tsarin ta hanyar kafa norms da kuma matsayin, to wanda duk bashi cibiyoyin. Domin samun lasisi da bankin ya nema bayan la'akari da wanda ya yanke hukuncin don en da lasisi. Kamar yadda da wani tattalin arziki da mahaluži, Bankin dole ne ya kasance izini babban birnin kasar, kafa daga gudunmawar da masu hannun jeri.

Banking ayyuka na bashi cibiyoyin aiki a kan wani ciniki akai, kamar yadda babban manufar allocates riba da kuma ta maximization. Amma babban bankin mayar da hankali duk da kokarin a tabbatar da dorewar tattalin arziki halin da ake ciki, da tabbatarwa daga kasa kudin, don kula da ta musayar kudi a da ake so matakin. Bugu da kari, shi ne tsunduma a samar da tsabar kudi a wurare dabam dabam da kuma, sabili da haka, iko da kudi wadata. Babban Bankin yana kokarin cimma burin kayyade a cikin monetary siyasa na jihar.

Babban ka'idojin aikin banki ayyuka sun hada da wajibi lasisi daga kowane bashi ma'aikata. Idan shi aiki ba tare da wani yarda, wannan aiki zai zama karɓaɓɓu ba. Ba da ciwon lasisi, da tattalin arziki da mahaluži na da hakkin ya ci gaba da aiki. Kowane banki aiki a kan tushen da kai-da kudi da kuma kai isar, sabili da haka, shi ne mai zaman kanta kungiyar. Babu gwamnatin kuma babban bankin ba zai iya shiga tsakani a cikin harkokin na bashi ma'aikata fãce a cikin yanayi da aka shimfiɗa ta yanzu dokokin. Kamar yadda aka ambata a sama, da babban bankin kawai buga wasu nagartacce domin ya kula da solvency na kowane daga cikin tattalin arziki mahaluži.

Commercial banki yana da hakkin ya yanke shawara a kan bayarwa a matsayin aro ga abokin ciniki ko ya ki shi. Babu wanda ya isa ya yi tasiri ta yanke shawara ko kalubalanci shi. Hakazalika, da mabukaci banki kayayyakin iya at ta hankali zabi wani bashi ma'aikata, mafi gamsarwa da bukatun. Bisa ga ka'idodin banki, da banki ma'aikata ba su da hakkin ya bayyana bayanin cewa shi ne wani fatauci asiri, kazalika da bayanai game da abokin ciniki ko ta tsabar kudi gudana.