{"id":9973,"date":"2025-03-02T13:12:10","date_gmt":"2025-03-02T09:42:10","guid":{"rendered":"https:\/\/blog.hanexi.com\/?p=9973"},"modified":"2025-03-02T13:13:28","modified_gmt":"2025-03-02T09:43:28","slug":"rwa%da%86%db%8c%d8%b3%d8%aa%d8%9f","status":"publish","type":"post","link":"https:\/\/hanexi.com\/blog\/rwa%da%86%db%8c%d8%b3%d8%aa%d8%9f\/","title":{"rendered":"RWA\u0686\u06cc\u0633\u062a\u061f"},"content":{"rendered":"\t\t
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RWA \u06a9\u0647 \u0645\u062e\u0641\u0641 “\u0633\u0631\u0645\u0627\u06cc\u0647 \u0631\u06cc\u0633\u06a9-weighted assets” \u0627\u0633\u062a\u060c \u0628\u0647 \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc\u06cc \u0627\u0634\u0627\u0631\u0647 \u062f\u0627\u0631\u062f \u06a9\u0647 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627\u06cc \u0645\u0631\u062a\u0628\u0637 \u0628\u0627 \u0622\u0646\u200c\u0647\u0627 \u0648\u0632\u0646\u200c\u062f\u0647\u06cc \u0645\u06cc\u200c\u0634\u0648\u0646\u062f. \u0627\u06cc\u0646 \u0645\u0641\u0647\u0648\u0645 \u062f\u0631 \u0633\u06cc\u0633\u062a\u0645 \u0628\u0627\u0646\u06a9\u06cc \u0648 \u0645\u0627\u0644\u06cc \u0628\u0631\u0627\u06cc \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u0631\u06cc\u0633\u06a9 \u0648 \u062a\u0639\u06cc\u06cc\u0646 \u0645\u06cc\u0632\u0627\u0646 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u0627\u06cc \u06a9\u0647 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0628\u0627\u06cc\u062f \u0646\u06af\u0647\u062f\u0627\u0631\u06cc \u06a9\u0646\u0646\u062f\u060c \u0628\u0633\u06cc\u0627\u0631 \u0627\u0647\u0645\u06cc\u062a \u062f\u0627\u0631\u062f.<\/span><\/p>

\u00a0\u0627\u0647\u0645\u06cc\u062a RWA<\/span>
1. \u0645\u062f\u06cc\u0631\u06cc\u062a \u0631\u06cc\u0633\u06a9: RWA \u0628\u0647 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u062f \u062a\u0627 \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627\u06cc \u062e\u0648\u062f \u0631\u0627 \u0634\u0646\u0627\u0633\u0627\u06cc\u06cc \u0648 \u0645\u062f\u06cc\u0631\u06cc\u062a \u06a9\u0646\u0646\u062f. \u0628\u0627 \u062a\u0648\u062c\u0647 \u0628\u0647 \u0648\u0632\u0646\u200c\u062f\u0647\u06cc \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u060c \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0646\u062f \u0628\u0631 \u0631\u0648\u06cc \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627\u06cc \u0628\u0627\u0644\u0627\u062a\u0631 \u062a\u0645\u0631\u06a9\u0632 \u06a9\u0646\u0646\u062f.<\/span>

2. \u062a\u0646\u0638\u06cc\u0645\u200c\u06af\u0631\u06cc \u0648 \u0646\u0638\u0627\u0631\u062a: \u0631\u06af\u0648\u0644\u0627\u062a\u0648\u0631\u0647\u0627 \u0627\u0632 RWA \u0628\u0631\u0627\u06cc \u0627\u0637\u0645\u06cc\u0646\u0627\u0646 \u0627\u0632 \u0627\u06cc\u0646\u06a9\u0647 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0628\u0647 \u0627\u0646\u062f\u0627\u0632\u0647 \u06a9\u0627\u0641\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647 \u062f\u0627\u0631\u0646\u062f\u060c \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f. \u062f\u0631 \u0646\u062a\u06cc\u062c\u0647\u060c \u0627\u06cc\u0646 \u0645\u0641\u0647\u0648\u0645 \u0628\u0647 \u062d\u0641\u0638 \u062b\u0628\u0627\u062a \u0633\u06cc\u0633\u062a\u0645 \u0645\u0627\u0644\u06cc \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/span><\/p>

3. \u0645\u062d\u0627\u0633\u0628\u0647 \u0646\u0633\u0628\u062a \u06a9\u0641\u0627\u06cc\u062a \u0633\u0631\u0645\u0627\u06cc\u0647: \u0646\u0633\u0628\u062a \u06a9\u0641\u0627\u06cc\u062a \u0633\u0631\u0645\u0627\u06cc\u0647\u060c \u06a9\u0647 \u0627\u0632 \u062a\u0642\u0633\u06cc\u0645 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0639\u0645\u0644\u06cc\u0627\u062a\u06cc \u0628\u0647 RWA \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u0646\u0634\u0627\u0646\u200c\u062f\u0647\u0646\u062f\u0647 \u062a\u0648\u0627\u0646\u0627\u06cc\u06cc \u0628\u0627\u0646\u06a9 \u062f\u0631 \u067e\u0648\u0634\u0634 \u062f\u0627\u062f\u0646 \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627\u0633\u062a. \u0627\u06cc\u0646 \u0646\u0633\u0628\u062a \u0645\u0639\u06cc\u0627\u0631\u06cc \u0627\u0633\u062a \u0628\u0631\u0627\u06cc \u0633\u0644\u0627\u0645\u062a \u0645\u0627\u0644\u06cc \u0628\u0627\u0646\u06a9.<\/span><\/p>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\u0645\u062d\u0627\u0633\u0628\u0647 RWA<\/span>
RWA \u0627\u0632 \u0637\u0631\u06cc\u0642 \u062c\u0645\u0639 \u06a9\u0631\u062f\u0646 \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627 \u0628\u0627 \u062f\u0631 \u0646\u0638\u0631 \u06af\u0631\u0641\u062a\u0646 \u0648\u0632\u0646\u200c\u0647\u0627\u06cc \u0645\u062e\u062a\u0644\u0641 \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0648\u0632\u0646\u200c\u0647\u0627 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0645\u0639\u06cc\u0627\u0631\u0647\u0627\u06cc \u062a\u0639\u06cc\u06cc\u0646 \u0634\u062f\u0647 \u062a\u0648\u0633\u0637 \u062a\u0646\u0638\u06cc\u0645\u200c\u06af\u0631\u0627\u0646 (\u0645\u062b\u0644 Basel III) \u062a\u0639\u06cc\u06cc\u0646 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f. \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0645\u062b\u0627\u0644:<\/span><\/p>

– \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u0628\u062f\u0648\u0646 \u0631\u06cc\u0633\u06a9 \u0645\u0627\u0646\u0646\u062f \u0628\u062f\u0647\u06cc\u200c\u0647\u0627\u06cc \u062f\u0648\u0644\u062a \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0648\u0632\u0646\u06cc \u0628\u0631\u0627\u0628\u0631 \u0628\u0627 \u0635\u0641\u0631 \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u0646\u062f.<\/span>
– \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u063a\u06cc\u0631\u0642\u0627\u0628\u0644 \u0628\u0627\u0632\u06af\u0634\u062a \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0648\u0632\u0646\u06cc \u0628\u0627\u0644\u0627\u062a\u0631 \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u0646\u062f.<\/span><\/p>

\u00a0\u0627\u0646\u0648\u0627\u0639 RWA<\/span>
1. \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u06cc: \u0634\u0627\u0645\u0644 \u0648\u0627\u0645\u200c\u0647\u0627 \u0648 \u062f\u06cc\u06af\u0631 \u062a\u0639\u0647\u062f\u0627\u062a \u0645\u0627\u0644\u06cc \u06a9\u0647 \u0628\u0647 \u0627\u0639\u062a\u0628\u0627\u0631\u0627\u062a \u0627\u0634\u062e\u0627\u0635 \u0648 \u0633\u0627\u0632\u0645\u0627\u0646\u200c\u0647\u0627 \u0645\u0631\u0628\u0648\u0637 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/span>
2. \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u0628\u0627\u0632\u0627\u0631: \u0634\u0627\u0645\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc\u200c\u0647\u0627 \u0648 \u062f\u06cc\u06af\u0631 \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u062f\u0631 \u0628\u0627\u0632\u0627\u0631\u0647\u0627\u06cc \u0645\u062e\u062a\u0644\u0641.<\/span>
3. \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u0639\u0645\u0644\u06cc\u0627\u062a\u06cc: \u0631\u06cc\u0633\u06a9\u06cc \u06a9\u0647 \u0627\u0632 \u0639\u0645\u0644\u06cc\u0627\u062a\u200c\u0647\u0627\u06cc \u0631\u0648\u0632\u0645\u0631\u0647 \u0628\u0627\u0646\u06a9 \u0646\u0627\u0634\u06cc \u0645\u06cc\u200c\u0634\u0648\u062f.<\/span><\/p>

\u0646\u062a\u06cc\u062c\u0647\u200c\u06af\u06cc\u0631\u06cc<\/span>
RWA \u0646\u0642\u0634 \u0645\u0647\u0645\u06cc \u062f\u0631 \u0633\u06cc\u0633\u062a\u0645 \u0628\u0627\u0646\u06a9\u06cc \u062f\u0627\u0631\u062f \u0648 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0627\u0628\u0632\u0627\u0631\u06cc \u0628\u0631\u0627\u06cc \u0645\u062f\u06cc\u0631\u06cc\u062a \u0648 \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u0631\u06cc\u0633\u06a9 \u062a\u0644\u0642\u06cc \u0645\u06cc\u200c\u0634\u0648\u062f. \u0627\u06cc\u0646 \u0645\u0641\u0647\u0648\u0645 \u0628\u0647 \u062d\u0641\u0638 \u0633\u0644\u0627\u0645\u062a \u0645\u0627\u0644\u06cc \u0648 \u062b\u0628\u0627\u062a \u0633\u06cc\u0633\u062a\u0645 \u0627\u0642\u062a\u0635\u0627\u062f\u06cc \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u062f \u0648 \u0627\u0632 \u0628\u0631\u0648\u0632 \u0628\u062d\u0631\u0627\u0646\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u062c\u0644\u0648\u06af\u06cc\u0631\u06cc \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0628\u0627 \u062a\u0648\u062c\u0647 \u0628\u0647 \u0627\u0647\u0645\u06cc\u062a \u0622\u0646\u060c \u062a\u0646\u0638\u06cc\u0645\u200c\u06a9\u0646\u0646\u062f\u06af\u0627\u0646 \u0648 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0647\u0645\u0648\u0627\u0631\u0647 \u0628\u0647 \u062f\u0646\u0628\u0627\u0644 \u0628\u0647\u0628\u0648\u062f \u0631\u0648\u0634\u200c\u0647\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0648 \u0645\u062f\u06cc\u0631\u06cc\u062a RWA \u0647\u0633\u062a\u0646\u062f.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\"\u062a\u0635\u0648\u06cc\u0631\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t
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\n\t\t\t\t\t\t\tyeganeh\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

RWA \u06a9\u0647 \u0645\u062e\u0641\u0641 “\u0633\u0631\u0645\u0627\u06cc\u0647 \u0631\u06cc\u0633\u06a9-weighted assets” \u0627\u0633\u062a\u060c \u0628\u0647 \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc\u06cc \u0627\u0634\u0627\u0631\u0647 \u062f\u0627\u0631\u062f \u06a9\u0647 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627\u06cc \u0645\u0631\u062a\u0628\u0637 \u0628\u0627 \u0622\u0646\u200c\u0647\u0627 \u0648\u0632\u0646\u200c\u062f\u0647\u06cc \u0645\u06cc\u200c\u0634\u0648\u0646\u062f. \u0627\u06cc\u0646 \u0645\u0641\u0647\u0648\u0645 \u062f\u0631 \u0633\u06cc\u0633\u062a\u0645 \u0628\u0627\u0646\u06a9\u06cc \u0648 \u0645\u0627\u0644\u06cc \u0628\u0631\u0627\u06cc \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u0631\u06cc\u0633\u06a9 \u0648 \u062a\u0639\u06cc\u06cc\u0646 \u0645\u06cc\u0632\u0627\u0646 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u0627\u06cc \u06a9\u0647 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0628\u0627\u06cc\u062f \u0646\u06af\u0647\u062f\u0627\u0631\u06cc \u06a9\u0646\u0646\u062f\u060c \u0628\u0633\u06cc\u0627\u0631 \u0627\u0647\u0645\u06cc\u062a \u062f\u0627\u0631\u062f. \u00a0\u0627\u0647\u0645\u06cc\u062a RWA1. \u0645\u062f\u06cc\u0631\u06cc\u062a \u0631\u06cc\u0633\u06a9: RWA \u0628\u0647 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u062f \u062a\u0627 \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627\u06cc \u062e\u0648\u062f \u0631\u0627 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