Zambiri Zokhudza Otembenuza Ndalama Zapaintaneti ndi Mitengo Yama banki
Nthawi zambiri mumadabwa chifukwa chake mitengo yomwe mumalandira kuchokera ku mabanki akomweko kapena osintha ndalama ndi osiyana ndi mitengo yomwe mumalandira kuchokera kwa osintha ndalama paintaneti. Koma gwirani mahatchi anu poyamba. Musanawombere mitengo yomwe idasindikizidwa patsamba lazachuma kumaso kwa osunga ndalama ndi osintha ndalama kapena musanayambe kuganiza kuti akukoka mwachangu, muyenera kumvetsetsa kusiyana pakati pamitengo yama banki ndi mitengo yama bank.
Mitengo ya Interbank ndi mitengo yomwe otembenuza ndalama pa intaneti amayambira kuwerengera kwawo ndipo pamapeto pake kutembenuka kwawo. Izi ndi mitengo yomweyi yomwe imasindikizidwa munyumba zanu zachuma. Mitengo yama interbank ndi mitengo yomwe mabanki akulu amagula ndikugulitsa ndalama motsutsana. Koma chonde musatenge kuti ndalama zochepa pamasinthidwe amtundu uliwonse pakati pa mabanki ndi $ 1 miliyoni kapena kupitilira apo. Izi ndi mitengo yamtengo wapatali yosungidwira makasitomala akulu akulu ndi zochitika zazikulu. Mabanki ogulitsa ndi osintha ndalama amatenga nawo mbali pongogulitsa ndalama zogulitsa mtengo wake uliwonse palibe kulikonse pafupi ndi zochitika zamabanki.
Mwachilengedwe, padzakhala kusiyana kwakukulu pakati pa ziwirizi koma sizitanthauza kuti wobwereketsa kapena wosintha ndalama akukoka mwachangu. Mitengo yamalonda imasiyana mosiyanasiyana. Mumagwiritsa ntchito chosinthira ndalama pa intaneti kuti ndikupatseni malo owerengera mpira momwe ndalama zanu zilili zofunikira potengera ndalama zina. Kutengera ndi ziwerengerozi, zomwe mungachite ndikungoyang'ana kaye mitengo yabwino ndikumangotenga zomwe zingakupatseni kutembenuka kwapafupi kwambiri ndi zomwe mumapeza kuchokera pakusintha ndalama kwanu pa intaneti.
Osintha ndalama ogulitsa nthawi zambiri amalipira kulikonse kuyambira 1% mpaka 10% kuchokera pamitengo ya interbank. Makampani ama kirediti kadi nthawi zambiri amayikira pafupifupi 3% pakutembenuka kulikonse. Ngati mugwiritsa ntchito makina a ATM potembenuza, kutanthauza kuti mumachoka paakaunti yanu pamakina apadziko lonse lapansi, nthawi zambiri mumalipira 2% premium kuphatikiza zolipiritsa. Osintha ndalama amalonda amalipira kulikonse kuchokera 5% mpaka 10% pamitengo yama interbank. Mutha kupeza mitengo yabwinoko kuchokera kwa ogulitsa pamsika wakuda koma zochitika nthawi zambiri zimawoneka ngati zosaloledwa m'maiko ena. Mukamapita kudziko lina, mutha kugwiritsa ntchito mitengo yomwe ili pamwambayi ngati mfundo zanu kuti musanyengedwe ndi osintha ndalama osakhulupirika.
Muyeneranso kumvetsetsa kuti nthawi zonse mudzatchulidwe mitengo iwiri - mtengo wogula komanso mtengo wogulitsa. Mukasinthana ndalama yanu ndi yakomweko, adzawerengera kutembenuka kutengera momwe amagulira. Mukabweza ndalamazo kwa iwo, adzawerengera pogwiritsa ntchito mitengo yomwe agulitsa. Kusamvana kwakukulu komwe kumachitika ndi osintha ndalama kumadza chifukwa chosadziwa kusiyana pakati pa mitengo yogula ndi kugulitsa. Pali osintha ndalama omwe amagwiritsa ntchito midpoint point pakati pa mitengo yama interbank kugula ndi kugulitsa. Amayerekezera pafupifupi mitengo yomwe mungapeze ndi osintha ndalama.
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