Injongo nzulu ngu ukuchonga kwiindawo ekuphuculeni bankruptcy iziko ka-abantu kwi-Us I-imisebenzi iibhanki ezimbini amaqela ingaba characterized yi-ezithile specifics Kwi-okubonakalayo ngasentla, injongo olu phando waba ukuchonga, systematize kwaye critically ukuhlola yangoku ngoko kuzo uphuhliso jonga iibhanki kwi-UsInkqubo esetyenziswayo kuquka uhlalutyo kwaye synthesis, induction kwaye deduction, uthelekiso, inkqubo uhlalutyo, selective ukuqwalasela ngononophelo. Uhlalutyo ezisemthethweni data ye-Russian Central Bank kuba - yabonisa ukuba inyaniso ezisebenzayo credit amaziko ukuba cutha kwenani ingaba ngokufanayo bobabini jonga kwaye Moscow credit organizations. I-profits yafikela jonga iibhanki ingaba incommensurably ezincinane kuthelekiswa profits ka-Moscow esekelwe iibhanki kodwa ngokulawulwa kakhulu ngaphantsi volatility. I-isithuba phakathi izixa-mali ka-ruble yemali-mboleko yakho yakwa ezibonelelwe ngu-credit amaziko amabini amaqela phantsi uhlalutyo ngu dramatically widening: non-mali organizations kwi kwaye abantu ukususela ngo. Emva, isixa-mali ruble iimali-mboleko ye-latin ukuba non-mali organizations yi-jonga iibhanki stabilized e malunga RUHR bhiliyoni, ngexesha elifanayo isibonisi ye-credit amaziko emfundo kwi-eyinkunzi ingingqi slowed phantsi yayo ukukhula kwi. Iqala nge, isithuba phakathi otyalo-mali kwi-ityala securities eyenziwe jonga iibhanki kwaye credit amaziko Moscow kwaye Moscow Kummandla sele sharply widened enjalo bank otyalo-mali kwi-eyinkunzi ingingqi ingaba iqaphele ukuba abe highly yeemeko. Credit amaziko i-Volga kwaye Umntla-Koloni federal izithili zilawula entsimini eliyingozi securities-mali. Jonga iibhanki ingaba ukuqhuba conventional banking ishishini okokuqala ngo abolekisa kwaye bafakwe limited imali kwi-securities ka-aplikeshini zabanye abantu issuers. I-nokubonisa ka-jonga iibhanki differ significantly yi-federal izithili Uwilliam Smith ke ezaziwayo imibhalo yaba phantse exclusively kunye isebenziseke isicelo imigaqo yena bamfumana kwaye enunciated.
