Ashafa Murnai Barkiya A wani sabon mataki na ci gaba da ƙirƙiro manufofi don ƙarfafa kasuwannin kuɗi na Nijeriya, Babban Bankin Nijeriya (...
Ashafa Murnai Barkiya
A wani sabon mataki na ci gaba da ƙirƙiro manufofi don ƙarfafa kasuwannin kuɗi na Nijeriya,
Babban Bankin Nijeriya (CBN) ya ƙaddamar da tsarin Rancen Biyan Gaggawa Tsakanin Bankunan Nijeriya, wato 'Nigerian Overnight Financing Rate (NOFR).
Wannan kuwa wani ma’auni ne mai tafiya bisa tsari na gaskiya da ya dogara da ainihin mu’amaloli, wanda aka ƙirƙira domin nuna haƙiƙanin kuɗin geji da adadin kuɗin ruwa a tsarin ramcen gaggawa tsakanin bankuna, a kasuwar kuɗi.
Da yake jawabi a wajen ƙaddamar da shirin a Abuja, Gwamnan CBN, Olayemi Cardoso, ya bayyana 'NOFR' a matsayin wani babban ci gaba wajen ƙarfafa sahihanci da amincin kasuwa, inganta gano farashi yadda ya kamata, ƙarfafa tsarin tunkarar ƙalubalen da akan iya fuskanta a gaba, da kuma ƙara wa masu zuba jari ƙwarin gwiwa.
An haɓaka 'NOFR' ne tare da haɗin gwiwar Ƙungiyar Manyan Dillalan Hadahadar Kuɗi (FMDA), tare da tallafin Bankin Bunƙasa Tattalin Arziki na Turai (EBRD). Ana sa ran wannan sabon ma’auni zai taimaka wajen zurfafa kasuwannin kuɗi na Nijeriya da kuma tallafa wa ci gaban tattalin arziki mai ɗorewa.
Dalla-dalla: Me CBN ke nufi da NFOR?
NOFR na nufin rance na ɗan gajeren lokaci da cibiyoyin kuɗi, wato ke bai wa juna domin cike buƙatun ajiyar kuɗin su na yau da kullum.
Ana bayar da wannan rance ne a ƙarshen ranar aiki ko a ce bayan lokacin tashi daga aiki, sannan dole ne a a biya rancen tare da kuɗin ruwa a farkon ranar aiki ta gaba, washegari da safe kenan.
Muhimman abubuwan da suka shafi rancen gaggawa tsakanin bankuna:
1. Farashin rancen biyan gaggawa:
Wannan shi ne takamaiman kuɗin ruwa da ake caji kan irin wannan rance. Yawanci shi ne mafi ƙarancin kuɗin ruwa da ake samu a tsarin kuɗi, kuma galibi bankunan da suka fi ƙarfin biyan bashi ne kawai ke samun damar karɓar sa.
2. Tasiri ga tattalin arziki:
Babban Bankin Nijeriya (CBN) na amfani da wannan farashi a matsayin wata hanya ta sarrafa yawan kuɗin da ke zagayawa a tattalin arziki da kuma daƙile hauhawar farashi.
Duk wani canji a wannan farashi yana tasiri kai tsaye kan kuɗin ruwa da mutane da kamfanoni ke biya wajen karɓar rance ko jinginar gida.
3. Tabbatar da daidaiton kasuwa:
Wannan tsari yana taimakawa wajen hana bankuna fuskantar ƙarancin kuɗi na ɗan lokaci, wanda ke tabbatar da cewa tsarin kuɗi gaba ɗaya yana da isasshen kuɗin ruwa kuma yana aiki cikin kwanciyar hankali a kullum.
4. Hanyoyin saka jari:
Ga masu zuba jari, ko ɗaiɗaikun mutane ko manyan cibiyoyi, akwai asusun saka jari musamman na rancen biyan gaggawa dare ko ajiyar kuɗi na dare guda da ake amfani da su wajen ajiye kuɗi cikin aminci na ɗan gajeren lokaci, domin a samu riba da kuɗin, maimakon a danƙare su wuri guda ba tare da amfani da su ba.
Fahimtar farashin rancen dare guda ko a ce rancen gaggawa tsakanin bankuna da tasirin sa ga tattalin arziki:
Farashin rancen gaggawa a tsakanin bankuna shi ne kuɗin ruwan da bankuna ke cajar juna idan suna ba da rance domin cika buƙatun ajiyar kuɗin su. Wannan shi ne mafi ƙarancin kuɗin ruwa da ake samu a tsarin kuɗi.
A tsari na harkar musayar kuɗaɗen ƙasashen waje kuwa, wannan tsarin rancen gaggawa na dare guda yana nufin saye da sayar da kuɗaɗe tsakanin ƙarfe 9 na dare zuwa ƙarfe 8 na safe na agogon ƙasa.
Kasuwar dare guda wani ɓangare ne da bankuna ke hulɗa da junan su ta hanyar karɓar rance mafi gajeren lokaci, inda masu ba da rance ke samar da kuɗi na dare guda kawai, washegari da safe a biya kuɗin tare da yin ƙarin riba kan adadin da aka karɓa rancen.
A taƙaice, Nigerian Overnight Financing Rate (NOFR) wani ma’auni ne da ke nuna ainihin farashin kuɗin rancen dare guda tsakanin cibiyoyin kuɗi a Nijeriya, kuma yana taimakawa wajen ƙara gaskiya, inganci da kwanciyar hankali a kasuwar kuɗin ƙasar.
No comments