bab 8 perbankan
TRANSCRIPT
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WJ^NIEDIE MIE AEV]A]ZVA DJ\IELIE @IAE
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F`afd }o jma} Kiv}j~ vzn}a}`j v}q`j2/92/9>
qiel ma}j}iwdieo`jc Nied Ejli~i Ki`iqvai #NEK!
+ nj~`iemivdie w~aevaw dokj~vai` aia}z
djze}zelie miedjfjdiwie
VAV]JK WJ^NIEDIE AV@IK
+ Kjej~iwdie wjellzeiie w~aevaw miezemiel+zemiel Av`ikmi`ik vj`z~zc z~zvie wj~niedie mie
dj|ielie
+ kjemiwi}die djze}zelie }j}iwa mahi`iediekjeladz}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 kj`inz~ mi`ikvjkzi vjd}o~ }j~kivzdwj~hzmaie
Kj`inz~ cieqi ma }jkwi}ci`i` /}amid kj~ilzdie
Wjeivaci} }j~ma~a mi~awimiwidi~wj~niedie doerjevaoei`vicihi
Wjeivaci} }j~ma~a mi~awimiz`iki, ic`a idimjkad miewidi~ wj~niedie Av`ik
ko}ab z}iki kjemiwi}die djze}zelie
Ze}zel mawj~o`jc
nj~mivi~die djima`ie
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F`afd }o jma} Kiv}j~ vzn}a}`j v}q`j2/92/9>
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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W^AEVAW NIED AV@IK
\IMAIC nied nj~}iellzelhi|in i}iv
|iel }zeia / ci~}i qiel mavakwie
KZMCI^INIC Kj`ani}die wj~doelvaie ze}zelie}i~i nied mle wj`iellie
Wj`iellie#wjkomi`! idie kjknaiqiavjwjezceqi w~ohjd qiel mahi`iedieo`jc nied#wjelzvici!
Ze}zel w~ohjd manicila kjeladz}eavnic qiel mawj~vj}zhza
Hadi ~zla, dj~zlaie ma}iellzelwjkomi`djfzi`a 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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F`afd }o jma} Kiv}j~ vzn}a}`j v}q`j2/92/9>
NIEDVAKWIEIEEIVAOEI@
#NVE!
Kjej~aki vakwieie +idize vakwieienaivi idize vakwieie }j}iw , Vaha`Vakwieie W~jkazk ,Wj~dcavki}ie \ielVjlj~i #LA^O!, Vdak VJMI^ #Virj+Iv+
Qoz+Ji~e !
Kjknj~a wj`nilia hjeav waehikie +waehikie wj~zkicie, waehikie vj|i
nj`a dj~j}i ,waehikie Ikieic VicikNVE ,Vdak Waehikie VJMI^
Wj~dcamki}ie wj~niedie Av`ik
Dim D~jma}
Ma}znzcdie mjelie }zhzie ze}zdkjelli`iddie kivqi~idi} `zi~ niemi~kjeliki`die vadiw nj~haki} fj~ki}mie kjeinzel
NIED WJKNIELZEIE MIE AEB^IV]^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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2/92/9>F`afd }o jma} Kiv}j~ vzn}a}`j v}q`j
KJEJ^AKI VAKWIEIEIDIZE VAKWIEIE + ikize vakwieie qiel djfa`
+ no`jc dj`zi~ |iel na`i+na`i
kivi+ miwi} bijmic+ miwi} djkzmicie dim }j``j~+ iz}oki}ad+ Vj`iki}
+ Bijmic ~jemicIDIZE VAKWIEIE]J]IW
+ Vakwieie kjeladz} }jkwoc6 nz`ie G 2nz`ie
+ 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 ma`idzdie vjdi`a 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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DJKZMICIE WJKNIQI^IE
I^ICIE]J]IW
+ I~icie djwimi wacid nied o`jc
wjkjliel idize vzwiqikjkniqi~
wjkaz}ieleqi vjif~inj~}j~zvie wm
}i~adc mie hzk`ic ql }j}iwvj}aiw nz`ie+ F}c 8 niqi~ie ievz~ie dj~j}i,vj|i
~zkic , w~jkazk aevz~iev
WAEMICIED^JMA] + nzi} niqi~ie }j~zv djmi`ik 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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WAEMICIEJ@JD]^OEAD
+ fi~i kjkniqi~ wi`ael wie}iv+ |iel no`jc mawaemicdie mi~a idize
wj`iellie djwimi idize wjkaz}ielma
kiei+kiei nied vjfi~i oe+`aej / lzeidimI]K
WAEMICIE]J@JL^IB
+ fi~i niqi~ie wie}iv dj `zi~ ejli~i
+ nied i~ic niqi~ie manzi} kj`i`za}j`jdv djfi|ielieeqi ma `zi~ ejli~i
+ wj`iellie madjeidie dokavje/fih
WAEMICIE KJ@+ waemicie kj`+ Viki vjwj~}a waemicie }j`jl~ib, fzkii~icie
macie}i~ kj`i`za kj`+ mzi hjeav aia}z waemicie kj` zmi~i mie
waemicie kj` naivi
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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 nj`a ni~iel }iewi lzei |iel}zeia + wjka`ad nj~cz}iel mle nied+ wjehzi` }j~aki niqi~ie vjfi~i
waemiciej`jd}~oead
+ wjka`ad }j~aki na` vj}aiw idca~ nz`ie+ no`jc kjelj`zi~die |ielmakiei+kiei
kjvae I]K+ bijmic madjeidie i}iv hzk`ic 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]^OEAD#J+NIEDAEL!
+ z~zveaili kj`i`za dokwz}j~wj~anima/}j`jboe nakna}
+ wjkniqi~ie dwm waciddj}ali `jnackzmic, fjwi}, jbavaje mie
vj`iki}+ f}c 8 Kiqnied>z o`jc
Kiqnied+ wie}iv/kzmic/ haki}die dov
]ZDI^IE 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 ^aella} Ki`iqvai }zdi~djwimi Qje Hjwze
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WJ^DCAMKI]IE @IAE
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FJDDJKNI^I
+ mahzi` djwimi wj`iellie qielcjemid dj `zi~ ejli~i
+ }amid wj~`z ni|i |iel mjelie
nieqid/ j`id ~avado djfz~aie+ mahzi` mi`ik ki}i |iel Mo`i~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~ vjli`i cz}iel
wj`iellieeqi hadi wj`iellieeqi}amid vaiwdie w~ohjd / hj`ivdiecz}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 Wj`inz~ie
Kzmci~inic+ nj~a djkzmicie wjknaiqiie i% Kz~inicic + hzi`ie
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` ^icez wihid limiaAv`ik
fjd
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fjd
Kidvzm Fjd
Modzkje wj~ae}ic nj~}z`av o`jc wjeqakwie idizevjkivi djwimi wacid nied mie kjeli~icdieeqize}zd kjknzi} niqi~ie vjhzk`ic |iel }j~}je}zwimi }i~adc }j~}je}z djwimi kjej~aki i}iz
wjkni|i fjd iwina`i ma}ze}z}%Wacid+wacid Mi`ik 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 vj`i~aqiel kj~je}iva kzdifjd
Imi mzi li~avie vj`i~aqiel kj~je}iva fjd
No`jc ma}zeiadie madize}j~ nied
Wj~`z mamjwova}diedjmi`ik idize nied
Fjd }amid vj`iki} Fjd vj`iki} makivzddie mi`ik
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~wi`iel ik + }aimi eiki nied m`k
wi`iel+ Fjd nj~wi`iel dciv +imi eiki nied mi`ikwi`iel
Fjd WI@IEL
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Fjd WI@IEL
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Eo% Wjej~ielie
9% Eiki nied iemi qiel hzli madjei`a vjnilia .nied wjvz~zcniqi~. i}iz nied wjkniqi~%
>% Wi`iel .Idize Wjej~aki Vicihi. kj~zwidie i~icie djwiminied wjkzelz} ze}zd kjknzi} niqi~ie dj mi`ik idizewjej~aki%
6% Wjej~aki kj~zwidie wjeiki qiel kiei fjd }j~vjnz}madj`zi~die djwimieqi% Wiv}adie jhiie eiki wjej~aki imi`icnj}z` mie ma}z`av nj~mjdi}ie mjelie wj~di}iie .niqi~
djwimi.% @zdav vi}z li~avie ma ~ziel vj`jwiv eiki wjej~akinila kjelj`iddie vjni~iel waemiie%
=% ]i~adc fjd% Ze}zd kjkiv}adie wjkniqi~ie ma}j~aki, }i~adcfjd }j~vjnz} kjv}a`ic }i~adc }j~daea% Bo~ki} }i~adc ai`ieMMKKQQ, mzi mala} wj~}iki ze}zd ci~a, mzi mala} vj}j~zveqize}zd nz`ie 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 kjelj`iddie fjd qiel mafz~a maniqi~ djwimiwacid dj}ali%
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2% Hzk`ic ze}zd wjkniqi~ie mi`ik wj~di}iie% Ea`ia qiel
viki idie ma}z`av ma mi`ik do}id qiel nj~vjnj`iciemjelieeqi% Wiv}adie ikize mi`ik wj~di}iie mie eokno~ma}z`av nj~mjdi}ie mjelie wj~di}iie .^aella} Ki`iqvai.
mie .^K. qiel mafj}id ma i}iv fjd mie hielie }aelli`dievjni~iel ~ziel mjelie kj`zdav li~avie vj`jwiv kjez`avwj~di}iie mie eokno~ }j~vjnz}% Wiv}adie hzk`ic mi`ikwj~di}iie mie eokno~ imi`ic viki% Hadi }amid, nied idiekjeo`id 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 CZ^IAIE
FJD NJ^]I^ADCCIMIWIE
fjd qiel ma}z`av mjelie }i~adcidie mi}iel
FJD KI]A fjd qiel }jkwoc wjkniqi~ieeqi}j`ic }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}z`av `jeldiwdjfzi`a hzk`ic mi`ik 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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VQI^ADI] WIHIDIE
VQI^ADI] WJKBID]O^IE
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VQI^ADI] WJKBID]O^IE
VQI^ADI] HIKAEIE D^JMA] KI@IQVAI
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VQI^ADI] HIKAEIE D^JMA] KI@IQVAI