Ama-Akhawunti ekhokhwayo - kukhona izibopho zezimali ukuba ibuyiswe

Inani labantu base-Western Europe ngokwezinga elikhulu ukwedlula bakithi bayawazi lolu hlobo boleko loan. inqubomgomo Credit kwanoma yiliphi ilizwe kubonisa khona kuleli zwe ngokuqinile ngezinyawo zabo ngokwezimali-credit izikhungo, ezinomthelela ekulondolozeni ukuzinza phakathi izidingo izigaba ezahlukene izakhamuzi futhi sikhulu kakhulu isidingo imikhiqizo wamabhizinisi yasekhaya.

Ngenxa yezizathu wokulungile kuyafaneleka ukuthi yethu izikhungo abolekise basesimweni sigaba sokukhula, kodwa kuze kube manje namanje basilalelwe ukubaluleka efanayo izakhiwo Western. Lokhu kubonakala ohlelweni akuyona njengoba nezimo uboleka izifunda yesifundazwe kuqhathaniswa ne ezindaweni zasemadolobheni futhi emadolobheni amakhulu. Imigomo loans ngokuvamile akuhambisani kuya we esikhwameni we yisakhamuzi Ngokwesilinganiso, eyavela isigaba sabasebenzi ukujula. Futhi eshaya Ukukhetha elincane ngokuya loan, ngakho yokufuna, uthi, imoto noma ezindlini nakakhulu ngosizo loan kuba sengathi mancane amathuba futhi kulabo babehlanganyela loan enjalo, it is iguqulwe esikhathini esizayo esiseduze ogibeni izikweletu.

Ukuze noma imuphi umuntu oye wanquma ukuthatha lesi sinyathelo, okumele zikhokhelwe - okuyiqiniso akusho engeza okuhle, njengoba izimali ngokuvamile kufanele ubuyele isikhathi eside. Ukuze enkulu yebhizinisi akhawunti ekhokhwayo - a lokususa amafutha kukholamu we-balance sheet. Ukwanda akhawunti ekhokhwayo, lubonise ukukhula okuqhubekayo imalimboleko, ngokwezinga elikhulu ukunciphisa ukuzinza yenkampani zezimali. Naphezu kweqiniso lokuthi zikhona izimali isivuno sisiningi kakhulu khona, okuyinto zivame ukuthathwa kalula ngaphansi uxhaso okubhekiswe amaphrojekthi ngazinye, noma ukuvala ezinye izikweletu egijima, akufanele sikhohlwe ukuthi lezi imithombo ngokomzimba ube ujabule waboleka imali, futhi ngokushesha kwakha isibopho entsha ukukhokha.

inqubomgomo abolekise esebenzayo kungaba yimpumelelo lokhu ikakhulukazi ezimweni lapho izinga capital inzuzo enhlanganweni kwenza ngesikhathi esifanele nengebuhlungu ngokuba neminye imisebenzi ukucisha ukubolekisa ezinjalo. Umbandela olufanele ukuthi izinkampani zihlanganisa lezo imikhiqizo okuyinto abe baningi futhi ezingeni elifanayo eliphezulu zezimali.

Ngokombono ithiyori kwezomnotho, okumele zikhokhelwe - ehilelekile inhlangano ukusetshenziswa okwesikhashana izimali, okuyinto ngemva kwenkathi ethile kufanele ibuyiselwe iphesenti esungulwe ngokusebenzisa kwawo, abantu kusukela ababengethande ukuboleka. Zikhona nezinye izincazelo eziningana, owawuthi okumele zikhokhelwe - uhlobo ukuzibophezela elitjengisa izikweletu ekhokhwa kwabanye abantu (abakweletwayo). Kungakhathaliseki imisinga ehlukene yesayensi kwezomnotho, ngokuyisisekelo igama elithi "ekhokhwa" maqondana nezinhlangano ibhizinisi, kanye nabantu uhlala ingashintshiwe.

Ukuze ukuhlola umsebenzi credit we amabhizinisi avame ukusetshenziswa izinkomba ezifana ratio akhawunti ekhokhwa kanye inzuzo yayo isilinganiso. Ngenxa yokuthi loluhlobo isikweletu ukubuya loan, ngonanzelelo ipharamitha wesibili udlulile. Nakubukwa jikelele, imali isilinganiso yama-akhawunti ekhokhwayo yisikali sokuthi wokusebenza kwezimali, ebalwa ngu isilinganiso izindleko izimpahla ethengisiwe ngonyaka nenani isilinganiso ukubolekisa Iyatholakala. Inani eliphakeme kule inkomba ebonisa ukuthi inkampani le amandla zezimali amafa eziphathekayo, evumela ukuthi usheshe wenze ukukhokhela abahlinzeka yabo.