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Table of Contents
Laikini panakō ma Brazil? E kiʻi i kahi laikini Banking ma Brazil
Introduction
ʻO Brazil kekahi o nā mākeke panakō nui loa ma Latin America, me ka ulu mau ʻana o ka ʻoihana panakō. Ua ulu wikiwiki nā panakō Brazil i nā makahiki i hala iho nei, me ka piʻi ʻana o ka noi no nā lawelawe panakō maikaʻi. Ua alakaʻi kēia i ka piʻi ʻana o ka hoʻokūkū ma waena o nā panakō, kahi i koi ai i nā hui he nui e ʻimi i kahi laikini panakō ma Brazil. Ma kēia ʻatikala, e nānā mākou i nā koi no ka loaʻa ʻana o kahi laikini panakō ma Brazil a me nā pono e hiki ke hāʻawi.
Nā koi e kiʻi i kahi laikini panakō ma Brazil
No ka loaʻa ʻana o kahi laikini panakō ma Brazil, pono nā hui e hoʻokō i kekahi mau koi. ʻO ka mea mua, pono lākou he hui lehulehu (SA) a i ʻole he hui i kaupalena ʻia e nā ʻāpana (SCA). Pono e loaʻa i nā ʻoihana ka palena liʻiliʻi i hoʻopaʻa inoa ʻia o 20 miliona Brazilian reais (ma kahi o 3,5 miliona euros). Eia kekahi, pono e loaʻa i nā hui kahi papa alakaʻi i ʻelima mau lālā, ʻelua o lākou he mau alakaʻi kūʻokoʻa.
Pono nā ʻoihana e hoʻokō i kekahi mau koina kālā. Pono lākou e loaʻa i ka ratio solvency liʻiliʻi o 11%, kahi liʻiliʻi liʻiliʻi liʻiliʻi o 2%, a me ka palena liʻiliʻi loa o 0,5%. Eia kekahi, pono e loaʻa i nā ʻoihana ka palena liʻiliʻi o 8%.
ʻO ka mea hope loa, pono e loaʻa i nā hui ka ʻae mai ka Central Bank of Brazil (BCB) e loaʻa ai kahi laikini panakō. Hoʻoponopono ka BCB i nā palapala laikini panakō ma kēlā me kēia hihia a makemake paha i ka ʻike hou a i ʻole palapala e loiloi i ka noi.
Nā pōmaikaʻi o ka loaʻa ʻana o kahi laikini panakō ma Brazil
ʻO ka loaʻa ʻana o kahi laikini panakō ma Brazil hiki ke hāʻawi i nā pono he nui i nā ʻoihana. ʻO ka mea mua, hiki i nā ʻoihana ke hāʻawi i kahi ākea ākea o nā lawelawe panakō, hiki ke hoʻonui i kā lākou kumu kūʻai aku a me ka loaʻa kālā. Hiki i nā panakō ke hāʻawi i nā lawelawe e like me nā hōʻaiʻē, nā waihona mālama kālā, nā kāleka hōʻaiʻē, nā lawelawe hoʻololi kālā a me nā lawelawe uku.
Eia kekahi, hiki i nā panakō ke hauʻoli i ka hilinaʻi nui a me ka maikaʻi ma ka loaʻa ʻana o kahi laikini panakō. Hiki i nā mea kūʻai ke hilinaʻi i kahi panakō i hoʻoponopono ʻia a ʻae ʻia e ka BCB. Hiki i kēia ke kōkua i nā panakō e huki i nā mea kūʻai hou a mālama i nā mea kūʻai aku.
ʻO ka hope, hiki i nā panakō ke pōmaikaʻi mai ka pale ʻoi aku ma o ka loaʻa ʻana o kahi laikini panakō. Aia nā panakō i nā kānāwai palekana palekana a me nā mea kūʻai aku, hiki ke kōkua i ka pale ʻana i ka hoʻopunipuni a me ka hoʻomāinoino. Aia pū nā panakō i nā koi hōʻike maʻamau, hiki ke kōkua i ka pale ʻana i nā hana hewa e like me ke kala kala kālā.
Nā hiʻohiʻona o nā panakō i loaʻa i kahi laikini panakō ma Brazil
Ua loaʻa i kekahi mau panakō i kahi laikini panakō ma Brazil i nā makahiki i hala iho nei. ʻO kekahi o nā hiʻohiʻona hou loa ʻo Nubank bank, i loaʻa i kahi laikini panakō ma 2019. ʻO Nubank kahi waihona kālā e hāʻawi ana i nā lawelawe waihona kālā pūnaewele a me ka mobile. Ua ulu wikiwiki ka panakō i nā makahiki i hala iho nei, me nā mea kūʻai aku ma mua o 20 miliona ma Brazil.
ʻO kekahi laʻana ʻo ka panakō ʻo Santander Brasil, i loaʻa ka laikini panakō ma 1982. ʻO Santander Brasil kekahi o nā panakō nui loa ma Brazil, me nā mea kūʻai aku ma mua o 40 miliona. Hāʻawi ka panakō i nā lawelawe panakō piha, me nā hōʻaiʻē, nā waihona mālama kālā, nā kāleka hōʻaiʻē a me nā lawelawe hoʻololi kālā.
Panina
ʻO ka loaʻa ʻana o kahi laikini panakō ma Brazil hiki ke hāʻawi i nā pono he nui i nā ʻoihana, me ka hiki ke hāʻawi i kahi ākea ākea o nā lawelawe panakō, ʻoi aku ka hilinaʻi, a me ka pale maikaʻi. Eia nō naʻe, pono nā ʻoihana e hoʻokō i nā helu he nui e loaʻa ai kahi laikini panakō, me ka loaʻa ʻana o ka hapa liʻiliʻi o 20 miliona Brazilian reais a me ka hoʻokō ʻana i nā koina kālā koʻikoʻi. Pono e loaʻa i nā ʻoihana ka ʻae ʻia mai ka Central Bank of Brazil e loaʻa ai kahi laikini panakō.
