Amabanki yahisemo inyungu kubashingizi

Banki Nkuru yavuze. Bank yo hagati yavuze. Ndetse n'imbuga zijyanye n'icyorezo nticyabujijwe: kunanirwa mu gihembwe cya kabiri cyishyuwe. Ariko ku nyungu z'abishingizi, mubyukuri ntabwo byagize ingaruka: Malection 247.5. Kurwanya miliyari 247.4 muri 2019

Urubanza muri komisiyo yamabanwa ibigo bigurishwa byinshi mubicuruzwa byunguka cyane kandi bikura. Ikiguzi cy'abishingizi cyo kubungabunga imanza ntibyari bigeze biba hejuru: Codence ya Banki nkuru yabonetse 43% - ntarengwa y'ibihe byose byo kureba,. Kubera iyo mpamvu, imiterere ya coefficial idaharanira inyungu yahindutse (yerekana akamaro k'ubucuruzi nyamukuru bw'abatishingizi: Niba igenzura rirenze 100%, ntabwo ryahindutse): umwaka ushize ntabwo wahindutse kandi ugereranywa na 90%: Amafaranga yiyongereye cyane kuruta kwishyura (igice kubera igihe cyo kwiyemeza).

Igipimo cy'ibiciro cyakuze kubera ko umushahara w'abarinzi wiyongereyeho umusanzu w'intererano, wa Banki 5% kugeza kuri miliyari 342. Ariko ibihembo byakusanyirijwe nabahuza ntabwo byiyongereye kandi bingana na mariyoni 1.1, nkuko muri 2019

Nigute abishingizi batanga abahuza?

Abahuza ni umuyoboro munini wo kugurisha politiki: umwaka ushize, urabashimira, abishingizi bakusanyije 3/4 by'intererano zose. Abagera kuri 40% (miliyari 418) z'iyi misanzu yarinze amabanki: bakiriye 61% by'imigero rwose kugeza kuri miliyari 209) nka Komisiyo (miliyari 209).

Komisiyo, abishingizi bishyuye abahuza imisanzu yakiriwe n'itabire zabo bangana na miliyari 342 z'amafaranga 342, cyangwa 30% (+0.5 ku mwaka). Kubera iyo mpamvu, guhembwa abahuza amafaranga arenze kimwe cya kabiri cy'amafaranga yose (kubera gukora ubucuruzi, amafaranga rusange y'ubutegetsi) y'abanyeshuri bo mu Burusiya, bandika Banki Nkuru.

Komisiyo nini mu bwishingizi bw'inguzanyo - kuva impanuka n'indwara n'ubwishingizi bw'ubuzima. Amasosiyete yakusanyirijwe muri ubu bwoko bw'ubwishingizi abifashijwemo n'amabanki miliyari 186 na miliyari 87. Amakombe, kimwe, kandi Komisiyo kuri ibi yatanze inshuro zirenga kimwe cya kabiri cy'intererano: 66% (mu bwishingizi kuri miliyari 123) - mu bwishingizi ku mpanuka n'indwara zabahawe inguzanyo. Aya moko yombi yatanze kimwe cya kabiri cyurugero rwose.

Hafi ya kimwe cya kane cya komisiyo ya Komisiyo ya Autocask n'ubwishingizi bw'andi mutungo w'abantu: ku zindi nzego z'umutungo w'abantu, ni 49% (Miliyari 32.1%), kuri miliyari 45%).

Abahuzabikorwa muri Komisiyo Nkuru bemerera abishingizi kongera imisanzu mu bwoko bwubwishingizi. Rero, ihuriro rihuriweho n'ubwishingizi butagira igihombo ku mpanuka n'indwara mu mpera za 2020 byari 72.2%, igihombo cyakoreshejwe (ukuyemo amafaranga y'igikorwa) cyari kingana na 23.3%; N'imodoka - 81.8 na 46%.

Uburyo bwo kugabanya kwishingikiriza kuri banki

Umusanzu n'inyungu z'abishingizi ahanini biterwa n'ibibazo by'isoko ry'inguzanyo, andika Banki Nkuru: Bituma ikintu gihungabana mu gihe kirekire. Umugenzuzi yemera ko niba abishingizi ubu bita ku kugabanuka mu giciro cyo gukora ubucuruzi muri komisiyo ishinzwe ibicuruzwa, ibi birashobora kwemeza umutekano w'imari mu gihe kirekire.

Umuhuzabikorwa wa Komisiyo Nkuru ku bigo mu gufatanya ubukungu, hagati muri yo ni amabanki, akenshi aba inzira yo kugabura kwinjiza. Ariko no muri komisiyo ishinzwe hasi, amafaranga yinjiza ashobora koherezwa kuri ba nyir'ubwite binyuze mu nyungu, yandika Banki Nkuru.

Usibye gukorana n'abunzi kugira ngo bagabanye iterambere ry'umushahara n'umuyoboro hamwe na komisiyo ishinzwe umutekano n'ibindi, bizera Banki Nkuru. Kugabanuka mu bikoresha abishingizi gukurura no kubungabunga abakiriya kandi bigira uruhare mu mushinga w'itegeko ry'ubwishingizi n'ibikoresho byabo mu izina rya interineti mu izina rya no ku bumenyi bujyanye n'ubwishingizi ku bushake na CTP.

Umubare wa premium yakusanyijwe nabashingizi binyuze muri enterineti biracyari 5%. Kugira ngo ufashe abishingizi, iterambere ry'abacuruzi, ryinjije mu gice cya kabiri cya 2020 ruhinduka umuyoboro mushya wo kugurisha ku nkombe, abishingizi n'ibindi bigo by'imari. Kugurisha ibigo byamasosiyete binyuze ku isoko birashobora kumurika amarushanwa y'ibiciro kubakiriya. Byongeye kandi, amahirwe yo gukoresha porogaramu zigendanwa zigendanwa, abakozi b'ubwishingizi hamwe n'abakoresha b'ubwishingizi barashyizwemo. Muri ibi bihe, abishingizi ni ngombwa mu kubungabunga umutekano w'amafaranga. Ni ngombwa kubuza ibiciro bigabanuka kurwego munsi yumvikana, binaniza Banki Nkuru.