Kuyini ukugijimela ebhange?
Ukuze uqonde ukugijimela ebhange kumelwe uqale uqonde ukuthi ibhange lisebenza kanjani. Amabhange athatha imali kumakhasimende futhi avume ukuyibuyisa noma nini. Nokho, esikhundleni sokukhokhisa imali yokugcina imali, amabhange enza inzuzo ngokutshala imali emabhange, kungaba ngokuyiboleka amabhizinisi adinga ukubolekwa imali noma ngokuthenga izimali zokutshala imali eziphephile njengama-treasury bond.  Inkinga iwukuthi lezi zimali ngokuvamile azinamanzi. Ngakho-ke uma ikhasimende lifuna ukubuyiselwa imali yalo, ibhange alikwazi ukudayisa ngokushesha izimali zalo ukuze lilinikeze. Ukuze kulwisane nalokhu, amabhange agcina imali eningi ukuze akhokhele imali efakwayo nehoxiswayo nsuku zonke.  Nokho, uma wonke amakhasimende efuna ukukhipha imali yawo ngokushesha, ibhange alinayo imali eyanele yokunika wonke amakhasimende. Lokhu kuwukuphanga ebhange.