ʻOiaʻiʻo no ka'ōleloʻana,ʻoi aku ka paʻakikīʻana o nāʻoihana kālā. ʻO kahi o nāʻoihana nui loa i loko o kaʻoihana kālā,ʻo iaʻo kahi luna loea, nāna e nānā i nā noi no nā loans a hoʻoholo e hāʻawi iā lākou a, inā pēlā, i nā hua'ōlelo.
Hoʻolako nui nā kumukūʻai i nā kumuwaiwai no ka hoʻopili kālā kālā, ke hoʻomohalaʻana i nā hiʻohiʻona kūʻokoʻa a me nā pūnaewele paʻakikī e nānā i ka pilikia e hikiʻole i kahi mea noi ke pane (ʻo ia hoʻi,ʻaʻole e uku i ka hōʻai'ē). No laila,ʻo nā kānaka me ka ikaika nui o nā mea iʻikeʻia ma keʻano nui ke koiʻia ma nā kaha nui. No nā poʻe e pili ana i ka kūʻai a me nā lawelawe o nā mea lawelawe, loaʻa i nā koleka nui nā alakaʻi pili e kū ana i nā pono o ko lākou poʻe mea nui loa.
Nā Pāʻoihana Commercial a me nā Pūnaehana'Oleki
ʻO kaʻoihana hoʻopiʻi kālepa e kau i ka poʻe kūʻai kālā, ma keʻano he mea noi a me ka mea mālama kālā. ʻO nāʻaukā hoʻolahaʻana, ma kaʻaoʻao'ē aʻe, e kau wale ana ma luna o ka poʻe kaikunui i loaʻa i nā kānaka,ʻaʻole nāʻoihana. Eia naʻe, ma kahi o ka manawa, uaʻanoʻeha iki nā laina. ʻO ka nui o nā kālepaʻoihana kālepa, he mea waiwai nui hoʻi (ʻikeʻiaʻo kaʻoihana kūʻai). Akā,ʻaʻole i hoʻohana pinepineʻia kaʻaoʻao:ʻo nā waihona waiwai palekana e kāohi i ka lawelaweʻana i nā poʻe.
Nā Kokua Kokua
Ma keʻano laulā, nā kālepaʻoihana kūʻai, no ka nui o lākou, ke hāʻawi nei i nā manawa kūpono hou, no nā poʻeʻoihana hoʻokomo.
Nā Trends in Banking Branches:ʻO nā loina o nāʻoihana o nāʻoihanaʻoihana nui ka mea e pili ai i nā hana kūpono, no ka poʻeʻoihana ukana . Hoʻokau pinepine kaʻoihana mālama kālā i nā wā o ka hoʻomakaʻana i nā lālā, a ma hope e pani iā lākou, a laila ma ka wehe houʻana.
Wahi a SNL Financial (e like me ka i haʻiʻia ma "HSBC i ka Hoku Back Back Global Reach," The Wall Street Journal , 5/12/2011),ʻo nā pūlālā a pau ma ka US.
- 96,412 i ka makahiki 2002
- 107,382 i 2009
- 106,088 i 2010
Eia naʻe, i ka makahiki 2015 e CNBC, e hōʻike ana i kaʻike FDIC , e hōʻike ana i ka makahiki 2014 iʻikeʻia ka helu nui loa o nā lālā lala i ka moʻolelo, e lawe ana i nā lālā US a pau i kahi 86,000. ʻO kēlā'ōlelo, he mea kūpono eʻike i nāʻano likeʻole o nā'elepa'āina. I Manhattan, i ka laʻana, ua hoʻomauʻia nā lālā nui i nā lala.
E like me keʻano o ka hanaʻana o nā lālā mālama kālā, e like me keʻano o nā hana kūpono no nā limahana o kaʻoihana, e like me nā mea haʻi'ōlelo a me nā luna o nā lālā, a me nā limahanaʻoihana hoʻi e kākoʻo ana i nāʻoihana.
Nāʻenehana'ē aʻe: Loaʻa paha iāʻoe ke nānā i kā mākou waihona puke nui ma nāʻano pili kālā :
- Ka Pūnaehana Kālā kālā a me nā Kōnae Hana
- ʻO nā mea kōkua ma ke kālā
- Ka Hoʻonaʻauao, Hoʻomohalaʻana a me nā Palapala Hōʻoia no nā Kānaka kālā
- Pehea e hoʻoponopono ai i kāu hana
- E uku i nā hana kālā