Mabhizimisi ezvokutengeserana ndiwo dhipatimendi rezvitoro yenyika yezvemari.
Nzvimbo dzakakosha uye zvikwereti zvezvikwereti zvakafanana nezvakawanda zvezvitoro izvo, nokufamba kwemazuva, zvakawedzera miganhu yavo yebhizimisi kuti vatsigire zviri nani mugove wemari.
Kunyange zvazvo zvikwereti zvibvumirano dzimwe nguva zvichionekwa senzvimbo dzinosimudzira, kune imwe chete yakakosha: insitory inshuwarisi. Zvikwereti uye mabhizimisi ekutengeserana akafukidzwa neDDIC, zvikwereti zvekwereti zvakafukidzwa neNCUA, kunyange zvazvo zvose zviri zviviri zvakavharwa kune imwechete muganhu wekambani yezvemari.
Thrift Institutions
Imwe nzvimbo yakakosha inzvimbo yezvemari inoumbwa kunyanya kugamuchira vatengi mari uye kugadzira musha wemari. Zvinopisa zvinowanzova zviduku, masangano edzimba uye hauna kuwana kana zvigaro zvebhanga guru renyika. Iko maitiro makuru emasangano ekusimudzira ndiwo mabhizimusi maviri uye sangano rekuchengetedza uye mari.
Nzvimbo dzakakosha dzinowanzobhadhara zvakanyanya muzvikamu (kufarira) kudarika zvinowanikwa mune zvezvemari uye kuva nekuwana mari shoma kubva kumasangano akaita se Federal Federal Loan Banks.
Nzvimbo dzakanaka dzinowanzotarisana nedzimwe mhando dzemasangano emari uye dzinowanzoisa pfungwa kune vatengi kupfuura mabhizinesi. Nomutemo, kupfisa kunofanirwa kunge kune 65% yekwereti yavo yekwereti yakasungirirwa muzvikwereti zvevatengi. Sezvo rubatsiro rwemari rwakawedzera kuregererwa, masangano makuru anokwanisa kupa mamwe mazano kumabhizimisi, zvisinei.
Zvinotyisa zvinopa vatengi zvinhu zvakawanda zvekubhadhara mari yaunogona kuwana pabhangi, sekutarisa mabhengi, mabhengi ekuchengetedza, uye zvikwereti zvekuisa mari, pamwe chete nezvikwereti zvekwereti zvakadai semusha uye auto zvikwereti uye makadhi emakadhi.
Nhoroondo
Sangano rakanaka rakatanga kuvhurwa mukati mekuchinja kwehupfumi uye kushamwaridzana kwevanhu veZimbabwe Revolution. Pfuma yakanga isiri iyo inonyanya kukoshesa. Chinangwa chavo chikuru chaiva kupa vanhu vashandi nzvimbo yakachengeteka kuti vawane mari ye "zuva remvura." Vakawanda vakategurwa uye vakagadzwa nevevanhu vanovhiringidzika vevanhu vane nzira dzakanzwisisa nzira dzemari uye vaida kwazvo kubatsira vanhu vanogona kudzidza .
Mamiriyoni eAmerica mushure mehondo shure kwehondo yaitenga dzimba nemari yekukweretesa kubva kumafrifts; pane imwe nguva mushure mehondo shure kwehondo, vaive vachiita huwandu hwezvinyorwa zvehurumende muU.S. Zvakachinja nekuregererwa kwemabhizimisi emashandisirwo emari, yakateverwa nehuwandu hwekukundikana muma1980.
Kubatsira
Kubva kumutengesi, maitiro anobatsira zvikuru pamabhanki: kufarira kwakanyanya kune vatengi 'kuchengetedza.
Kufunga
Mazuva ano, mitsara iri pakati pefrifts uye mabhandi akasiyana-siyana yakasvibiswa. Sangano rekuchengetedza uye zvikwereti riri kuenda kune imwe yezvekutengesa kune dzimwe nzvimbo uye kuvaka, uye nhamba inowedzera iri kutendeukira kumabhandi anoshandiswa.
Uyewo, zvizhinji zvezvikomborero zvinoshandiswa kuwana, kusanganisira mutemo usina simba, zvakabviswa pamakore, ikozvino ichinzi Dodd-Frank mutemo wekugadzirisa mari. Iko kukurumidza kusimbisa mhizha huwandu. Zvinopisa zvinogona kuva zvakaoma kuwana munguva yemberi.