Bab 8 Perbankan

7/31/2019 Bab 8 Perbankan

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F`afd }o jma} Kiv}j~ vzn}a}`j v}q`j2/92/9>

WJ^NIEDIE MIE AEV]A]ZVA DJ\IELIE @IAE


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qiel ma}j}iwdieo`jc Nied Ejli~i Kiìqvai #NEK!

+ nj~ìemivdie w~aevaw dokj~vai` aia}z

djze}zelie miedjfjdiwie

VAV]JK WJ^NIEDIE AV@IK

+ Kjej~iwdie wjellzeiie w~aevaw miezemiel+zemiel Avìkmiìk vj`z~zc z~zvie wj~niedie mie

dj|ielie

+ kjemiwi}die djze}zelie }j}iwa mahiìediekjeladz}zemiel vqi~id # I`+ Yz~ie mie Iv+Vzeeic !


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WJ^NJXIIE VAV]JK WJ^NIEDIE DOERJEVAOEI@ #VWD!MJELIE VAV]JK WJ^NIEDIE AV@IK #VWA!

VWD VWA

bijmic manj~a dwm wjeqakwiemie madjeidie i}iv waehikie# kjeliemzela zevz~ ~ani,kiava~ mie lci~i~ !

}aimi zevz~ ~ani, lci~i~ miekiava~Kjelci~ikdie zevz~ ~ani

]j~}id`zd djwimi wj~i}z~ieNEK

]j~}id`zd djwimi wj~i}z~ieNEK mie czdzk vqi~id

Njniv kjìnz~ miìkvjkzi vjd}o~ }j~kivzdwj~hzmaie

Kjìnz~ cieqi ma }jkwi}ciì` /}amid kj~ilzdie

Wjeivaci} }j~ma~a mi~awimiwidi~wj~niedie doerjevaoei`vicihi

Wjeivaci} }j~ma~a mi~awimizìki, icà idimjkad miewidi~ wj~niedie Avìk

ko}ab z}iki kjemiwi}die djze}zelie

Ze}zel mawj~o`jc

nj~mivi~die djimaìe


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NIED WZVI] # NIED EJLI^I !


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NIED WZVI] # NIED EJLI^I !


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NIED WJ^MILIELIE


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NIED WJ^MILIELIE


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NIED WJ^MILIELIE


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NIED AV@IK


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WÂEVAW NIED AV@IK

\IMAIC nied nj~}iellzelhi|in i}iv

|iel }zeia / ci~}i qiel mavakwie

KZMCIÎNIC Kjàni}die wj~doelvaie ze}zelie}i~i nied mle wjìellie

Wjìellie#wjkomi`! idie kjknaiqiavjwjezceqi w~ohjd qiel mahiìedieo`jc nied#wjelzvici!

Ze}zel w~ohjd manicila kjeladz}eavnic qiel mawj~vj}zhza

Hadi ~zla, dj~zlaie ma}iellzelwjkomi`djfzià hadi ~zla mavjnindie djfziaiewjelzvici


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W^AEVAW NIED AV@IK

KZVQI^IDIC Wj~doelvaie ie}i~i mzi o~iel

G `jnac

Nj~doelva komi` mie zvici ze}zdkjehiqidie w~ohjd

Ze}zel madoelva adz} eavnicmawj~vj}zhza

^zla ma}iellzel adz} eavnic

vzknielie komi`


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NIED NIMIE NJ^DIEZE


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NIEDVAKWIEIEEIVAOEI@

#NVE!

Kjej~aki vakwieie +idize vakwieienaivi idize vakwieie }j}iw , Vaha`Vakwieie W~jkazk ,Wj~dcavki}ie \ielVjlj~i #LAÔ!, Vdak VJMI^ #Virj+Iv+

Qoz+Ji~e !

Kjknj~a wj`nilia hjeav waehikie +waehikie wj~zkicie, waehikie vj|i

njà dj~j}i ,waehikie Ikieic VicikNVE ,Vdak Waehikie VJMI^

Wj~dcamki}ie wj~niedie Avìk

Dim D~jma}

Ma}znzcdie mjelie }zhzie ze}zdkjelliìddie kivqi~idi} `zi~ niemi~kjeliki`die vadiw nj~haki} fj~ki}mie kjeinzel

NIED WJKNIELZEIE MIE AEBÎV]^ZD]Z^ KI@IQVAI


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NIED WJKNIELZEIE MIE AEB^IV]^ZD]Z^ KI@IQVAI

NWAKN Wjknaiqiie ivj} }j}iw

Wjknaiqiie komi` dj~hi

Vdak da`iel naknaelie

]inzel zvici|ie ni~z


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2/92/9>F`afd }o jma} Kiv}j~ vzn}a}`j v}q`j

NIED DOWJ^IVA


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NIED DOWJ^IVA


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WJ^DCAMKI]IE NIED WJ^MILIELIE


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KJEJÂKI VAKWIEIEIDIZE VAKWIEIE + ikize vakwieie qiel djfa`

+ no`jc dj`zi~ |iel naì+naì

kivi+ miwi} bijmic+ miwi} djkzmicie dim }j``j~+ iz}oki}ad+ Vjìki}

+ Bijmic ~jemicIDIZE VAKWIEIE]J]IW

+ Vakwieie kjeladz} }jkwoc6 nzìe G 2nzìe

+ Dimi~ bijmic `jnac }aella mi~aIdize +

Vakwieie mie adz} }jkwoc+ Nied nj~a vaha` vakwieie }j}iw+ \iel }amid madj`zi~die vjcaelli

}jkwoc ki}iel

+Wjelj`zi~ie maìdzdie vjdià lzv

+


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IDIZE VJKIVI

+ Manj~a djkzmicie lzei fjd+ ]amid manj~a bijmic

+ Djei fih wj~dcamki}ie+ Nj~lzei dwm wjeaili+ No`jc khjkocoe orj~m~ib+ Manj~a wjeqi}i idize vj}aiwnz`ie


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KJEJ^AKI VAKWIEIE


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2/92/9>

DJKZMICIE WJKNIQIÎE

IÎCIE]J]IW

+ I~icie djwimi wacid nied o`jc

wjkjliel idize vzwiqikjkniqi~

wjkaz}ieleqi vjif~inj~}j~zvie wm

}i~adc mie hzkìc ql }j}iwvj}aiw nzìe+ F}c 8 niqi~ie ievz~ie dj~j}i,vj|i

~zkic , w~jkazk aevz~iev

WAEMICIED^JMA] + nzi} niqi~ie }j~zv djmiìk idizewjej~aki

+ no`jc niqi~ djwimi njnj~iwio~iel

wjej~aki mjelie lzei vjdjwael

fjd+ ie i j~ z j~ eiki eo% i ize


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2/92/9>

WAEMICIEJ@JD]ÔEAD

+ fi~i kjkniqi~ wiàel wie}iv+ |iel no`jc mawaemicdie mi~a idize

wjìellie djwimi idize wjkaz}ielma

kiei+kiei nied vjfi~i oe+àej / lzeidimI]K

WAEMICIE]J@JLÎB

+ fi~i niqi~ie wie}iv dj `zi~ ejli~i

+ nied i~ic niqi~ie manzi} kjì`za}j`jdv djfi|ielieeqi ma `zi~ ejli~i

+ wjìellie madjeidie dokavje/fih

WAEMICIE KJ@+ waemicie kj`+ Viki vjwj~}a waemicie }j`jl~ib, fzkii~icie

macie}i~ kjì`za kj`+ mzi hjeav aia}z waemicie kj` zmi~i mie

waemicie kj` naivi


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2/92/9>


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2/92/9>


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Djkzmicie Wjknaiqiie+ WAEHIKIE


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Djkzmicie Wjknaiqiie+ orj~m~ib


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Bid}o~ qiel mawj~}aknieldie ze}zdkjemiwi} Waehikie mie Orj~m~ib


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WJ^DCAMKI]IE @IAE


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DIM D^JMA] + no`jc njà ni~iel }iewi lzei |iel}zeia + wjkaàd nj~cz}iel mle nied+ wjehzi` }j~aki niqi~ie vjfi~i

waemiciej`jd}~oead

+ wjkaàd }j~aki na` vj}aiw idca~ nzìe+ no`jc kjelj`zi~die |ielmakiei+kiei

kjvae I]K+ bijmic madjeidie i}iv hzkìc qiel

nj`zk maniqi~ vjcaelli }i~adcma}j}iwdie

+ f}c 8 Ravi " Kiv}j~fi~m

+ ma}j~aki djnieqidie ljmzelwj~eailiie

vj`z~zc mzeai


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WJ^NIEDIEJ@JD]ÔEAD#J+NIEDAEL!

+ z~zveaili kjì`za dokwz}j~wj~anima/}j`jboe nakna}

+ wjkniqi~ie dwm waciddj}ali `jnackzmic, fjwi}, jbavaje mie

vjìki}+ f}c 8 Kiqnied>z o`jc

Kiqnied+ wie}iv/kzmic/ haki}die dov

]ZDIÎE KI]I\IEL IVAEL

+ kjezdi~die ki}i |iel}jkwi}ie djwimi ki}i |ielivael i}iz ki}i |iel ivaeldjwimi ki}i |iel }jkwi}ie

+ foe}oc8 âella} Kiìqvai }zdi~djwimi Qje Hjwze


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WJ^DCAMKI]IE @IAE


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FJDDJKNIÎ

+ mahzi` djwimi wjìellie qielcjemid dj `zi~ ejli~i

+ }amid wj~`z ni|i |iel mjelie

nieqid/ jìd ~avado djfz~aie+ mahzi` miìk ki}i |iel Moì~Ikj~adi / Qje Hjwze

+ no`jc ma}zeia vj~}i+kj~}i /makiei+kiei fi|ielie nied ma

ejli~i ivael

HIKAEIE

HZ^ZNIED

+ hikaeie nied djwimi wacid}j~}je}z nici|i nied idiekjkniqi~ vjliì cz}iel

wjìellieeqi hadi wjìellieeqi}amid vaiwdie w~ohjd / hjìvdiecz}iel

+ wj~`z nj~a mjwova} djwimi niedze}zd miwi}die hikaeie

+ mjwova} aea idie malzeidie o`jc


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WJ^NIEDIE

AV@IK

+ }j~aki vakwieie + IdizeVakwieie \imaic/Idize Vjkivi\imaic/ Idize Wjìnz~ie

Kzmci~inic+ nj~a djkzmicie wjknaiqiie i% Kz~inicic + hziìe

mjelie }iknicze}zel

n% Nia Na}cikie iha` +niqi~ie

}j~}iellzc vjfi~iievz~ie

f% Nia I} ]idha~a + Vj|i hzi`m%Ahi~ic / I` îcez wihid limiaAvìk

fjd


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fjd

Kidvzm Fjd

Modzkje wj~ae}ic nj~}zàv o`jc wjeqakwie idizevjkivi djwimi wacid nied mie kjeli~icdieeqize}zd kjknzi} niqi~ie vjhzkìc |iel }j~}je}zwimi }i~adc }j~}je}z djwimi kjej~aki i}iz

wjkni|i fjd iwinaì ma}ze}z}%Wacid+wacid Miìk Vjdjwael FjdWjvz~zc niqi~nied qiel kjelj`zi~diefjd

Wjeqz~zcniqi~

o~iel / wacid qielkjeiemi}ieliea fjd

Wjej~aki o~iel / wacid qielkjej~aki niqi~ie

fjd


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fjd

HJEAV HJEAV FJD


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HJEAV+HJEAV FJD

FJD ]J^NZDI FJD NJ^WI@IEL


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FJD ]J^NZDI FJD NJ^WI@IEL]aimi mzi li~avie vjì~aqiel kj~je}iva kzdifjd

Imi mzi li~avie vjì~aqiel kj~je}iva fjd

No`jc ma}zeiadie madize}j~ nied

Wj~`z mamjwova}diedjmiìk idize nied

Fjd }amid vjìki} Fjd vjìki} makivzddie miìk

idize vjnj`zk niqi~iemanzi}]j~nicila djwimi8

i% Fjd wjkni|i+ wj~di}iie I}iz

Wjkni|i}amid mawo}oel

n% Fjd wj~ae}ic +wj~di}iie

I}iz Wjkni|ima o}oe

]j~nicila djwimi8+ Fjd nj~wiìel ik + }aimi eiki nied m`k

wiìel+ Fjd nj~wiìel dciv +imi eiki nied miìkwiìel

Fjd WI@IEL


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Fjd WI@IEL


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Eo% Wjej~ielie

9% Eiki nied iemi qiel hzli madjeià vjnilia .nied wjvz~zcniqi~. i}iz nied wjkniqi~%

>% Wiìel .Idize Wjej~aki Vicihi. kj~zwidie i~icie djwiminied wjkzelz} ze}zd kjknzi} niqi~ie dj miìk idizewjej~aki%

6% Wjej~aki kj~zwidie wjeiki qiel kiei fjd }j~vjnz}madj`zi~die djwimieqi% Wiv}adie jhiie eiki wjej~aki imiìcnj}z` mie ma}zàv nj~mjdi}ie mjelie wj~di}iie .niqi~

djwimi.% @zdav vi}z li~avie ma ~ziel vj`jwiv eiki wjej~akinila kjeljìddie vjni~iel waemiie%

=% ]i~adc fjd% Ze}zd kjkiv}adie wjkniqi~ie ma}j~aki, }i~adcfjd }j~vjnz} kjv}aìc }i~adc }j~daea% Bo~ki} }i~adc aiìeMMKKQQ, mzi mala} wj~}iki ze}zd ci~a, mzi mala} vj}j~zveqize}zd nzìe mie mzi mala} }j~idca~ ze}zd }icze%

:% O~iel qiel kjkjliel mie kjeze}z} wjkniqi~ie fjd manied%Iemi maeivaci}die vzwiqi kjkni}i`die wj~di}iie .i}izwjkni|i. nila kjeljìddie fjd qiel mafz~a maniqi~ djwimiwacid dj}ali%


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2% Hzkìc ze}zd wjkniqi~ie miìk wj~di}iie% Eaìa qiel

viki idie ma}zàv ma miìk do}id qiel nj~vjnjìciemjelieeqi% Wiv}adie ikize miìk wj~di}iie mie eokno~ma}zàv nj~mjdi}ie mjelie wj~di}iie .âella} Kiìqvai.

mie .^K. qiel mafj}id ma i}iv fjd mie hielie }aelli`dievjni~iel ~ziel mjelie kj`zdav li~avie vj`jwiv kjezàvwj~di}iie mie eokno~ }j~vjnz}% Wiv}adie hzkìc miìkwj~di}iie mie eokno~ imiìc viki% Hadi }amid, nied idiekjeoìd fjd iemi%

% Dom fi|ielie(%

96% Eokno~ idize vjkivi iemi%


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B m c K d F d


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Bijmic Kjellzeidie Fjd

DJ@JKICIE K d F d


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DJ@JKICIE Kjellzeidie Fjd

@IAE @IAE FJD


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@IAE+@IAE FJD


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HJEAV FJD CZÎAIE

FJD NJ^]IÂDCCIMIWIE

fjd qiel ma}zàv mjelie }i~adcidie mi}iel

FJD KI]A fjd qiel }jkwoc wjkniqi~ieeqi}jìc }iki}

FJD MI@IKIE wjeqz~zc niqi~ mie wjej~akikjkwzeqia idize ma nied qielviki

FJD NJ^]IEMI wjej~aki fjd mahikae idiekjej~aki niqi~ie vjcaelli}i~adc }j~}je}z

FJD DOVOEL kid`zki} fjd ma}zàv `jeldiwdjfzià hzkìc miìk wj~di}iiemie ieldi

FJD ]ID @IDZ fjd qiel }amid ma}j~aki o`jc nied

ze}zd wjkniqi~ie


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VJNIN+VJNIN FJD ]ID @IDZ


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AEV]A]ZVA DJ\IELIE @IAE


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AEV]A]ZVA DJ\IELIE @IAEVQI^ADI] DJ\IELIE # KQNIED BAEIEFJ !


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VQIÂDI] WIHIDIE

VQIÂDI] WJKBID]OÎE


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VQIÂDI] WJKBID]OÎE

VQIÂDI] HIKAEIE D^JMA] KI@IQVAI


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F`afd }o jma} Kiv}j~ vzn}a}`j v}q`j

VQI^ADI] HIKAEIE D^JMA] KI@IQVAI

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