Kahle Bank: ngobunjalo nomnqopho zabo

Iminyaka engamashumi amabili ezweni lethu abazenzi kahle imisebenzi. Ziyakwazi ukuthengiselana yokuthengisa ovela kumphakeli obuye kwesokudla nomuntu ayemkweleta ukuze zithole izikweletu umboleki sika. Izinhloso ubudlelwane obunjalo ongakhonza imikhiqizo noma amasevisi kanye izibambiso okuyiwona izinkokhelo angakafakwa ezenziwe.

Kahle ukuthengiselana okunenzuzo ukuba bonke abathintekayo kuthengiselana, ngoba ukuvumela umnikezeli ukuthola izikweletu manje, nakuba ayengafiki lilonke. Phakathi kwebhange ayemkweleta siyisivumelwano owawuthi umthengi wokuqala liyakukhokha kuphindwe nesikweletu 80-90% we isamba kanye banelungelo lokudonsa esikweletini ngokugcwele esikhathini esizayo. Economic inzuzo sesikweletu kuyinto umehluko 10-20%, ngokuthi isaphulelo. Kwezinye izimo, le imigomo yenkontileka zidinga isinxephezelo egcwele ayemkweleta nesikweletu, kanye yasebhange ithuba uthola ikhomishana, inani okuyinto kubekiwe isivumelwano zamazwe amabili.

Kahle imisebenzi ye ibhange kungenziwa labizwa ngohlobo. Omunye ezivamile kubhekwa kahle yasekhaya, okungukuthi, ukusebenza for yokufuna ilungelo lokufuna izakhamizi wezwe. Uma omunye amaqembu kuthengiselana isakhamuzi sakwelinye izwe, khona-ke sikwazi ukukhuluma ifomu ngamazwe. Uma ukuvula kahle kuthengiselana umboleki uzokwaziswa ukudluliselwa amalungelo nokuvulwa izikweletu ebhange. buka oluyimfihlo noma ezifihliwe Kwenziwa kungesemehlweni okweletayo mayelana ukudluliselwa izidingo namalungelo. into enjalo kuzobiza kakhulu. Yomkhokhi ukudluliselwa kwezimali kule isikweleti ku-akhawunti yasebhange ye-iklayenti, okuyinto ke ukhipha izimali ebhange lemali esungulwe kwesivumelwano nezivumelwano.

Ngo umkhuba, yabelana kahle kwemisebenzi Sokuzivikela futhi ngaphandle kwalo. Ngokusho uhlobo lokuqala yasebhange Ungakwazi ukukhansela umsebenzi ne komphakeli ambuyisele ilungelo lokufuna uma kwenzeka ukwehluleka ikhasimende ukukhokha izikweletu. Uma ukuhlinzwa wenziwa ngaphandle Sokuzivikela, isici kungenzeka adinga senkokhelo umbolekisi ezikweletini oluvelele. Yiqiniso, ezimweni eziningi, kubonelelwa kakhulu ama-uhlobo lokuqala ukuthengiselana, ukuze sinciphise izinga yebhange ingozi. Njengomthetho, bezregressovye imisebenzi eyenziwa, lapho Obolekayo inhlangano kuphela nge sezimali esitebeleni.

Kahle imisebenzi ye ngamabhange ayabaluleka kuthandwa, njengoba abavumela nxephezela ukushoda okwesikhashana capital usebenza umsebenzi wamanje nezinhlelo ezihlukahlukene zomnotho. Futhi ngokuya yokuswela credit, isibonelo, uma Amabhange ayala ngesizathu esisodwa noma kwenye, kahle iba uhlobo panacea evumela ukulondoloza izinsiza siqu. Kodwa lo mkhuba credit akusho ngaso sonke isikhathi uyavumelana ungene ukuthengiselana okunjalo. Ekucubunguleni ukuphathwa isicelo ebhange scrutinizes le solvency ka okweletayo, umlando walo-credit, isidingo imikhiqizo emakethe futhi kungenzeka nokuqaliswa kwalo esikhathini esifushane. Olwenziwe umsebenzi sasivumela yenkuthalo futhi wenziwa endaweni ebanzi, futhi lokhu kubonisa ukufana kahle futhi credit.

Ngokuvamile ibhange uphoqelekile ukuba uphike umphakeli, uma lo muntu obolekayo has izikweletu ezinkulu ukuze abakweletwayo ehlukahlukene, noma uma ubona umsebenzi zokucabangela. Futhi izinkampani kahle engozini ukuze uthole amalungelo nezidingo izikweletu kwenhlangano engokomthetho wahlanganyela zokukhiqiza kwezimpahla ze-non-ethize noma kokuba focus kuzithameli emincane abathengi.

Kahle e Kwimakethe wezimali zezwe zingene eyenziwa cishe ngokwezinga efanayo ezimakethe European wenziwa emhlabeni wonke. Futhi esizoheha abatshalizimali angaphandle abanale imali eningi, kuka ngeshwa, abakwazi ukuqhosha Abenzi yasekhaya.