Liyini ibhange?
Ibhange liyisikhungo sezezimali esamukela imali kubantu futhi sakha idiphozi yokucela ngenkathi ngesikhathi esifanayo senza imali mboleko. Imisebenzi yokubolekisa ingenziwa ngokuqondile yibhange noma ngokungaqondile ngokusebenzisa izimakethe zezimali.  Ngenxa yokuthi amabhange adlala indima ebalulekile ekuzinzeni kwezezimali nasemnothweni wezwe, izindawo eziningi zilawula amabhange ngezinga eliphakeme. Amazwe amaningi aye enza isimiso esibizwa ngokuthi i-fractional-reserve banking, ngaphansi kwaso amabhange agcina izimpahla ezikhokhwayo ezilinganiselwa engxenyeni encane kuphela yezikweleti zawo zamanje. Ngaphezu kweminye imithetho ehlose ukuqinisekisa ukukhishwa kwemali, amabhange ngokuvamile angaphansi kwezidingo zezimali ezincane ezisekelwe esimisweni samazwe ngamazwe sezindinganiso zezimali, i-Basel Accords.