Duniya ta zamani tana haɓaka akan ka'idar nunin faifan Amurkawa: Ya kamata a tambayata da raguwa, kuma a baya shine sabon raguwa. Tattalin arzikin yana da canji kuma wani lokacin yana kama da matsanancin tafiya tare da sakamako mai iya fahimta a ƙarshen. A shekarar 2020, kusan duk masana'antu na tattalin arziki da zamantakewa da rayuwar zamantakewa suna cikin wani yanayi inda kawai tambaya ke tasowa: me ake yi a gaba? Daya daga cikin wadannan masana'antu tabbas tabbas sashen banki ne. An yi sa'a, yawancin haɗarin da ke hadarin da ke tattare da bukatar mabukaci, manufofin talla, inganta ayyukan banki da samfuran da aka bayar, ana iya sarrafawa. Kamfanonin kudade na Rasha suna fuskantar, don sanya shi a hankali, sabuwar ƙada ta haifar da kalubalen siyasa da keɓaɓɓen kalubalen duniya.
Ofayan irin waɗannan matsalolin da kusan dukkanin kuɗi da ƙungiyoyin kuɗi ke fuskantar haɓaka a cikin kasuwar banki, wanda shine babban iyakance ci gaban tsarin banki. Tsarin banki yana cikin bincike mai aiki don tashoshi na tallace-tallace, bincika ayyukan haɗin banki da aikace-aikacen banki, suna ba da ƙarin fifiko da ƙarin fa'ida da ƙarin fasali.
A shekarar 2020, an tilasta bankuna su kula da daidaito tsakanin dukiyar su, a hannu daya, da kuma kiyaye abokin ciniki - a daya. Hakanan yana da daraja a lura cewa kuɗi Bureaus ya rage rage rage yawan aikace-aikacen daga mutane zuwa sabon lamuni, kuma bankin na tsakiya ya lura da karuwar lamunin lamuni. Haɗin waɗannan abubuwan guda biyu shine a buga ribar bankuna.
A cikin shekaru goma na farko na Afrilu, yawan aikace-aikacen don rancen mabukaci ya ragu da kashi 60% idan aka kwatanta da jingina na mota - da 40%, don microcredits - by 44%, la'akari Ofishin Kasa na Kasa. Duk da komai, ribar bankunan bankunan na 2020 sun kai rubles biliyan 1.6. - Kadan (kawai 6%) kasa da a cikin rikicin da aka riga aka rikice na 2019 (1.7 tiriliyan rubles), bankin Rasha ya ruwaito.
Saboda haka, bankuna yanzu sun sami gasa a gwagwarmaya ga kowane abokin ciniki. Wannan za a iya lura da yadda bankuna suke amsawa ga lamarin, wato: bayar da kayan aikin kuɗi mai riba - tare da yiwuwar tara maki don sayayya ko mil mil don samun jirgin sama ko Tikitin dogo, koyaushe yana inganta tashoshin sabis koyaushe, yi ƙoƙarin biyan buƙatun masu amfani, ba tare da la'akari da yanayin tattalin arziki na yanzu ba.
Wani muhimmin batun muhimmiyar matsala ce tare da tabbatar da tsaro da ci gaban Cybercrime. Wannan ya faru ne da farko tare da ci gaban fasahar. Tabbas, wannan ba takamaiman matsala bane: gaba daya rikice-rikicen barazanar da haɗarin, alal misali, mai alaƙa da zurfin fake ɗin karya da bayanan biometric. Hakanan akwai lokuta na yau da kullun: Bari mu ce, Kiberetas don ababen more rayuwa ko software. Akwai matsaloli masu alaƙa da tsaro na bayani, kamar su bayanan da bayanai cikin kamfani.
Hanyar warware aikin duniya ya zama mai rikitarwa da hadaddun. Idan muna magana ne game da mafi, babban nau'i na Cybercrime - zamba tare da katunan banki da ayyukan na farko, kawai don farkon rabin 2020, fiye da dubu na farko da ba tare da izini ba tare da Hanyar citizensan ƙasa sun yi laifi ba tare da su ba an rubuta su, jimillar da aka lalata ta kusan kashi 4 na rubleawa 485, wanda bankunan suka dawo kan abokan ciniki kusan miliyan 485.
A wannan yanayin, ingantaccen algorithms yana gabatar da tsari na duniya, alal misali, tsarin kimantawa na musamman dokoki da kuma algorithms, masu tacewa da jerin abubuwan da aka bincika kowane ma'amala da aka bincika kowane ma'amala da aka bincika kowane ma'amala da jerin abubuwan da aka bincika kowane ma'amala da jerin abubuwan da aka bincika kowane ma'amala da jerin abubuwan da aka bincika kowane ma'amala. Hakanan yana da daraja ambaton gabatarwar da aka haɗa da samfuran masu ba da bashi yayin amfani da su, bi da bi. Wannan lamari ne mai mahimmanci, saboda ana inganta su koyaushe, kuma akwai buƙatar amfani da tsarin da ke kula da kayayyaki da na fasaha don rage haɗarin duka na kuɗi da maimaitawa.
Wata muhimmiyar ma'ana ita ce gaskiyar cewa masu sayen mutane sun zama masu ba da gudummawa, wanda a cikin kanta yana ƙara sha'awar samfuran inganci. Misali, masu karbar bashi sun kara kula da ingantaccen tayin a kan aro da ainihin lokacin biya. Amfanin Russia zuwa Zuba Jari da samfuran kuɗi yana haɓaka, buƙatar sani, bayanai masu gaskiya da fahimta game da abin da ke faruwa a cikin kasuwannin kuɗi yana haɓaka a bayan ta.
Mutane ba sa tunanin cewa kasuwar hannun jari wani abu ne mai rikitarwa, da samfuran banki su ne wani abu ne waɗanda ba su iya fahimta ba, wanda ba shi da ikon gano mutane masu sauki. Wataƙila, yanzu zaku iya magana da gaske game da yanayin karatu. Amma halin da ake ciki har zuwa ko'ina a cikin ƙasar, da rashin alheri, ya bar abubuwa da yawa ake so. Kuma wannan hakika matsala ce da ta ba da gudummawa ga karuwa a cikin adadin haɓakar ayyukan na yaudara, alal misali, da kuma gabaɗaya, yana rinjayar jindadin kuɗi na yawan jama'ar ƙasar.
A yau, ana aiwatar da ayyukan da yawa a Rasha, gami da karkashin AUSPIRES na Ma'aikatar Harkokin Kasa a matsayin wani bangare na Tarayyar Rasha a ranar Mayu 23, 2017. Wannan aikin Ma'aikatar Kudi yana nufin tabbatar da tushen yankin ilimi da kuma hanyoyin aiwatar da hadaddun hanyoyin karatu da ingancin ci gaba Ilimin kudi a Rasha.
Yanayin yana haɓaka cikin sauri: Akwai karar ƙa'idodin zaɓi don duka kungiyoyin kuɗi gaba ɗaya da samfuran banki musamman da Russia. Daga cikin irin wannan ka'idodi ya cancanci yawan gaske. Da farko, masu salla sun mai da hankali ne akan karar alama; Abu na gaba, mahimmanci, idan muna magana ne game da samfurin aro, shine ƙimar riba da adadin biyan kowane wata akan samfuran kuɗi. Na uku, babu mahimmin mahimmanci, ƙa'idodin abokin ciniki ana samun ƙarin kayan aikin Bankin a matsayin kaya, don haka aikin bankin na ci gaba, wanda zai dace da biyan aikin abokin ciniki ta hanyar aikace-aikacen hannu. Abubuwan da ke sama da ke sama sun tabbatar da karatun mabukaci masu amfani da yawa.
Ya kamata a tara shi, ya kamata a lura da haɓakar rage rikicin da aka rage na 2020, kuma za'a kuma kiyaye wannan yanayin a 2021. Mafi iya, tsarin kudi yana fatan alurar riga kafi wanda zai ba da gudummawa ga duka maido da tattalin arziƙi da haɓaka zai sami sakamako mai kyau akan buƙatun masu amfani da su don samfuran masu amfani don samfuran masu amfani, da ci gaba mai zuwa na ci gaban tattalin arziki, wanda zai zama m spring 2021 shekaru.
Gabaɗaya, ana tsammanin sashen banki, kuma ba a kashe banki na gargajiya ba, amma a kashe wasu sabis na dijital da ci gaban ƙasashen ƙasa.