N'zoona kuti kuyankhula, kubanki ndi kovuta kwambiri. Imodzi mwa ntchito zofunika kwambiri kubanki ndi ya wogulitsa ngongole , yemwe amawerengera ntchito zopereka ngongole ndikusankha ngati angapereke ngongole ndipo, ngati zili choncho, pazinthu ziti.
Mabanki akuluakulu amagwiritsanso ntchito ndalama zambiri kuti awononge ngongole, akupanga zitsanzo zowonongeka ndi kuikapo machitidwe kuti awonetse kuti chiwopsezo chakuti wina wakongola akhoza kukhala chosasintha (ndiko kulephera kulipira ngongole). Choncho, anthu omwe ali ndi miyeso yambirimbiri amafunidwa pa mabanki akuluakulu. Kwa anthu omwe akuyang'ana ku malonda ndi ma kasitomala, mabanki akulu ali ndi mamenjala a ubale omwe amakwaniritsa zosowa za makasitomala awo ofunika kwambiri.
Malonda vs Personal Banking Opaleshoni
Mabanki azachuma amagwiritsa ntchito makasitomala amalonda, monga okongola ndi osungira ndalama. Mabanki osungira, pambali inayo, amaganizira pafupifupi anthu omwe ali ndi anthu, osati malonda. Komabe, m'kupita kwa nthawi, mizere yayamba pang'ono. Mabanki akuluakulu ogulitsa malonda amakhalanso ndi ogulitsa ambiri (omwe amadziwikanso ngati ogulitsa) ntchito zamabanki. Zosiyana, komabe, sizimagwiranso ntchito: mabanki osungira amadzipatula okha kuwatumikira.
Mwayi wa Ntchito
Kawirikawiri, mabanki amalonda, chifukwa cha kukula kwawo kwakukulu, amatha kupereka mwayi wopeza ntchito, makamaka kwa ogwira ntchito payekha.
Zotsatira za Nthambi za Mabanki: Zomwe zimayendera mabanki a nthambi zimakhudza kwambiri ntchito, makamaka kwa owuza mabanki . Makampani ogulitsa mabanki amayendayenda nthawi zonse m'mabwalo otsegula, kenako amatseka, kenako nkuwatsegula.
Malinga ndi SNL Financial (monga momwe tafotokozera mu "HSBC kuti Yang'anani Padziko Lonse Lapansi," Wall Street Journal , 5/12/2011), nthambi zonse za banki ku US zinali:
- 96,412 mu 2002
- 107,382 mu 2009
- 106,088 mu 2010
Komabe, lipoti la 2015 la CNBC, pobwereza deta ya FDIC , likuwonetsa kuti 2014 idapeza chiwerengero chachikulu cha mabungwe a mbiri yakale, akubweretsa nthambi zonse za US mpaka 86,000. Izi zati, ndizoyenera kudziwa kuti machitidwe a msika akusiyana. Mwachitsanzo, ku Manhattan, mabanki akuluakulu anali akuwonjezera nthambi.
Monga momwe pendulum ya nthambi za banki zikugwedezera pang'onopang'ono, momwemonso pendulum ndi mwayi wogwira ntchito kwa antchito a nthambi, monga owuza amalonda ndi maofesi a nthambi, komanso ogwira ntchito ku ofesi akuthandizira ntchito za nthambi.
Zina Zogwirizana: Mungafune kuyang'ana laibulale yathu yambiri pazinthu zina za ntchito zachuma :
- Ntchito zachuma ndi Ma Job
- Otsogolera Olemba Zamalonda
- Maphunziro, Maphunziro ndi Zolemba za Ntchito zachuma
- Mmene Mungasamalire Ntchito Yanu
- Malipiro a Ntchito za Financial