Isilinganiso credit yezwe: nencazelo futhi lisho ukuthini igama elithi

Wonke umuntu ujwayelene nalesi eside, njengoba isilinganiso credit. It is avame ukusetshenziswa ukuchaza amabhange, kodwa umqondo singasebenza umuntu wenyama, inhlangano ngisho izwe.

Kuyini credit score komuntu - kuyacaca. Lona ithuba umuntu okufanele zibuyiselwe etholakele ýkhasýmende izinhlangano sokubolekwayo. Le nkomba ibalwa amabhange ukunquma ukuthi ukunikeza imali ngaphandle kwenzalo ukuze umuntu.

Uma ukwandisa esikalini, sithola inkampani credit isilinganiso. Kuyoba ezithakazelisayo kanjani izinkampani-abalingani kanye zimali.

Kuyini ukukala credit?

Lo mqondo ofanayo has okuningi umthwalo idatha, uma usebenzisa yona a izinhlangano nzima zomnotho, ezifana ezweni. Credit izilinganiso zezwe zibonisa ingozi ukutshalwa kwezimali kwingqalasizinda isimo. Kususelwa kule sibalo, kungenzeka ukuba bafinyelele iziphetho mayelana nokuthi uhulumeni ungahlangana layo izibopho izikweletu. Abatshali ekuthatheni izinqumo ukutshalwa kwezimali ezinkulu inkampani noma imboni, kumelwe acabangele Inani lamanje le-isilinganiso credit.

Kodwa ngesikhathi esifanayo, empeleni yayo kulindeleke. Akasiniki isiqinisekiso eliphelele nenzuzo yokutjala, futhi ngaleyo ndlela ngeke kube ngesilinganiso eliphelele nokwethenjelwa. Lapho senza investimenti izinqumo credit isilinganiso kufanele kubhekwe ngokuhlanganyela nezinye izinto, eqinisekisa zibheke ukutshalwa ezinjalo.

Ubani egunyazwe ukunquma credit izilinganiso?

Safunda indices kungaba zikazwelonke nezamazwe ngamazwe. Lo mqeqeshi owake wapheka zinqunywa ejensi yokulinganisela kazwelonke. ERussia, kuba "Rus-Isilinganiselwa" "Isazi RA", "National Isilinganiselwa Agency" kanye nabanye, e-Ukraine - "Credit Isilinganiselwa" futhi "Isilinganiso esivamile". Banegunya kuphela ngaphakathi ezweni lakubo.

nethemba kakhudlwana e idatha kubangelwa izinkampani isilinganiso international:

• UMoody.
• Standard & Abampofu sika (S & P).
• Fitch.

Zadalelwa e-United States ekuqaleni kwekhulu leminyaka eledlule, kodwa baqashelwa emhlabeni wafinyelela ezingeni lomhlaba wonke jikelele.

Lezi zinhlangano ukuchaza ngamazwe credit izilinganiso lamazwe, izimboni, izinkampani, izibikezelo ezihlobene amabhange daba, kanye wahlanganyela kule ukuhlaziywa kwezimakethe zezimali.

Isikhundla credit isilinganiso

Ngamunye ejensi isilinganiso isinqume ukuqokwa esikalini. Inani umqondo oyisisekelo has definition ongokoqobo, futhi S & P futhi Fitch isehlane izimpawu "+" futhi isigaba esimaphakathi, esikalini soku-"-" kuthiwa enenjongo kuhluke kancane kusukela izibalo izinga uMoody.

Uyini umbono kusukela isilinganiso ejensi?

Cabanga isilinganiso credit lamazwe emi kanye emisebenzi ehambisana ezinikeza ejensi efanayo. Iza phambi izinhlobo ezine:

- sinesimo sengqondo Positive - kusho ukuthi esikhathini esizayo esiseduze, isilinganiso kungenteka kwenyuke.

- Esitebeleni - kungaqali ushintsho Ummemezeli.

- Negative - Cishe credit isilinganiso wehlele.

- Esimweni lapho kukhona amathuba afanayo njengoba zincishiswe noma ukwanda we inkomba, ichaze ivela kwezimiso nesimo sengqondo.

has kanjani isilinganiso Ikhredithi Ukraine neRussia onyakeni odlule?

Ngo 2014-2015 kula mazwe, zikhona izenzakalo ezibanga ukwehla kule inkomba. Futhi kakade imiphumela yokuqala lubonakale.

Isilinganiso credit we Russian Federation sehliselwe uMoody c Baa1 ukuba Baa2 ngasekupheleni 2014. Ngaphezu kwalokho, kukhona ukuthi kungenzeka ukunciphisa wayo - indlela abheka ngayo izinto ezimbi. ejensi Standard & Abampofu sika futhi kwehlisa credit isilinganiso waseRussia kusukela BBB- BB + yangaphandle, futhi kusukela Bbb ukuba BBB- e yendawo. Fitch ekuqaleni kuka 2015 kwenziwa ukwehla ngempela nkomoni kusukela Bbb ukuba BBB-, namanje nge isimo esifanayo ezimbi.

Ukraine, ngokuvumelana ngamazwe ejensi yokulinganisela, ikusimo preddefoltnom. Ekuqaleni kuka-2015, Fitch isungule ngoba ukubaluleka SS ngethrendi ezimbi. Isilinganiso Ikhredithi Ukraine izimali zakwamanye amazwe, ngokusho Standard & Abampofu sika idatha, ekupheleni 2014 yehliselwa kusukela CCC ukuze CCC- ezingeni.

Kungani lokhu kwakwenzeka? Isilinganiso credit lamazwe kuyehla ngokulingana ukwanda izikweletu zabo zakwamanye amazwe.

Ungasethemba yini ejensi ukukala?

Ezikhathini ukuchuma nenkohlakalo kuwo wonke amazinga umbuzo: "? Bulunge kangakanani kuthiwa izinhlangano isilinganiso idatha Ngingaba ukubethemba" Kwamambala, i- "ezisontekile" isilinganiso credit wezwe okungaphazamisa kakhulu isimo emhlabeni izimali kanye ezinkulu notshwala utshalomali ngqo ayo ngokuthatha indlela okungeyona. Uma idatha izilinganiso, elalisetshenziswa ohlangothini-zimali, kuyoba zamanga, libiza ku umbuzo ukuhlobana ukutshalwa kwezimali, kanye izovela ngokushesha noma kamuva inzuzo.

Okungenhla-ejensi yokulinganisela kanzima eminyakeni, abahola igunya emhlabeni futhi ozethembayo. Manje umsebenzi yabo ukuphakela ngangokunokwenzeka lilungile futhi ulwazi usuku ukuze silondoloze isimo sabo. Inikezwe ngu- ngamazwe credit izilinganiso nganoma iyiphi indlela akunakwenzeka amanga, ngakho ingasetshenziswa njengendlela okuthembekile umthombo wokwaziswa ukuze uthole ukuhlaziya emakethe.