Credit kanye yemali lokubolekwa

Ngo ezomnotho yesimanje aggregate yemali uthathwa njengomgcini nemali nezinye imithombo yezimali, ezifanayo imali supply. Kukholakala ukuthi lokubolekwa yemali babe zezimali eduze ubunye.

Eminyakeni eminingi ukusetshenziswa isikhathi esigabeni kwezomnotho, kwathiwa babecabanga ukuthi lokubolekwa main yemali ukwenza njenge-izinto eyinhloko inqubomgomo credit.

Ngo ezomnotho ihlanganisa lokubolekwa enjalo yemali, njenge:

• ukheshe (M0);
• amafa lwezezimali: Cash imali kanye credit imithombo, futhi funa ezifakwa (M1);
• ifomu aqoqa M2 - ezakhiwe ngokungeza M kanye nezinhlobo ezihlukahlukene ezifakwa fixed;
• amayunithi uhlobo M3 - ezakhiwe ngokungeza M eziningi ezinkulu isikhathi ezifakwa (izitifiketi zezimali ezitshaliwe);
• lokubolekwa yakha L -I ebanzi amayunithi, kuhlanganise zamagama ngaphandle kokukhetha imali.

Ngo Umnotho wanamuhla usitshela okubaluleke ngokwengeziwe kule nokwakheka lokubolekwa yemali ukuthola nokubolekwa izimali. Futhi lokhu ngqo kunqunywa isidingo ukwandisa imisebenzi credit.

Ezindabeni credit uhlu imisebenzi nezici zabo zezomnotho abakazi ukuvumelana. Ngokuvamile, izici ezifanayo isici ubheke amagama ahlukene umsebenzi, noma, kunalokho, ukubonakala imisebenzi ehlukahlukene.

Ngokwesibonelo, akhonjwe umsebenzi esikhundleni izimpawu imali kanye credit nemisebenzi kwegazi, njengoba kushiwo ukuthi kuzo zombili izimo izenzo credit njengoba isigaba impambano. Nokho, kufanele ukwehlukanisa le misebenzi, kusobala ukuthi udaba wesikweletu imali (yokuthi kufakwe izimpawu imali) kanye nokwelashwa credit imali akuyona ezifanayo, futhi kuthinte lokubolekwa yemali nezinhlobo zabo ngokuya Ukwakheka yabo kanye nesakhiwo.

Ngo esibonisa umsebenzi wokusabalalisa izincwadi uqokomisa isimo elikhiqizayo ukuhanjiswa wesikweletu imithombo. Nokho, ukusebenza credit imithombo akuyona njalo elikhiqizayo ngokwemvelo, ukuthi kuphindwe ukuphindela khona, kodwa hhayi backfilled credit izindleko, okungakwazi zifakwe lokubolekwa yemali. Kule ndaba, ngaphezu umsebenzi umusi ukusatshalaliswa kufanele ukumenywa umsebenzi inkanuko ekulondolozeni ezinsiza, okuyinto unomthwalo ubunjalo elikhiqizayo izindleko ukunyakaza esikweletu ikhono ukwakha credit value ezintsha njengoba self wanda.

Esikhathini izincwadi kwezomnotho kukhona ezintathu eziyinhloko credit umsebenzi - ukusatshalaliswa, ukulawula kanye esikhundleni, kanye nezinye izindawo eziningana lapho imisebenzi ukuthi sithole iqhaza wesikweletu njengengxenye imali kufakwe lokubolekwa yemali. Yingakho, ngesisekelo nemisebenzi eyaziwa kwakhiwa ngezigaba imisebenzi abantu bahlale bemazi ne ukwengeza izici ezintsha yokuboleka le mali: ekuguquleni dolobha ithule ekusebenzeni.

Inikeza:

• isibopho Nenkampani umnotho iyonke:
• ukudalwa entsha credit value njengoba ukubaluleka self wanda;
• ukudalwa credit kusho kwegazi (esikweletu non-credit imali);
• Loan isevisi imali inzuzo (langempela futhi zanamuhla, okuthiwa credit imali);
• esikhundleni yemali imali inzuzo (esikweletu imali credit ebhange imali).

Indima credit ngenxa ukuqaliswa kwemisebenzi yayo, kuzoqinisekisa ukusheshisa nokusakazwa izimali, nakho abe nomthelela omuhle lokubolekwa yemali.

Umgomo we ekwakhiweni a imodeli esinjalo wokwehlayo kunqunywa imisebenzi injongo, isiqondiso ngokuningiliziwe. Imisebenzi ngezigaba ifakwe ukwakha credit value ezintsha njengoba self wanda, futhi umphumela sokuphela kuhilela ukuguquka inhlokodolobha ithule ekusebenzeni.