Accounts bhadharika yaro nyora-kure mitemo

Rokutanga pachena kutsanangura zvinhu nyaya kunyorerwa. Pasi pfungwa iyi zvinoreva zvachose zvikwereti zvemari sangano kune zvikwereti zvose. Kureva mari avo kuti akadzoka zvakakwana pashure yakatarwa nguva.

Rakajairika nyaya kunyorerwa Contractors, somunhu mutemo, bhizimisi nezvinhu uye pakugadzira zvinhu, uyewo vatengi ose apera zvigadzirwa. Kugara pane zvavanofanira kuti vashandi basa rinoitwa.

Asi kwete nguva dzose, sangano anogona kubhadhara chikwereti; Panyaya iyi iripo nhoroondo bhadharika yekudyidzana chinobata zvemari unongotaura. Izvi zvinonyanya zvinoratidzwa pamwero wenyika liquidity uye solvency wekambani, chaizvoizvo izvi zvinodiwa, vanoita kuzotonga rinenge ratangwa rinofanira kupera bhizimisi. Uyezve, kana pane bhadharika nechiyero jira, iyo haina kubhadharwa ari nguva, zviri counterparty anekodzero nyaya kudare. Panyaya iyi, akakwereta achava kubhadhara kwete chete huwandu chikwereti chose, asi akapawo Kushivirira muchimiro fines, Zvirango kana liquidated kukuvadza.

Zvinofungidzirwa kuti yakareba kunoshamisa munataisireva kune bhizimisi uye vamwe vanhu kungaita kuti migumisiro zvakadai kusauka, kureva munhu zvachose kutadza yacho zvebhizimisi kuti tiite mabasa ayo mune ramangwana. Pane nzira mbiri kuti apore zvikwereti: kwawo uye inonzi Zvinotaurwa, kana extrajudicial. Wokutanga inosanganisira nerubatsiro kudare, uye kutarisira mberi kuferefeta, uye maererano kurutivi rwechipiri vakazvimiririra kusarudza sei uye chii mari iri kubhadharwa payables.

In ndizvidavirire pane kazhinji mamiriro ezvinhu apo pane uwandu chikwereti chisingazobudiswi kudzokera womunhu anomukweretesa. chikwereti ichi inofanira kunyorwa kure uye pamwe nekodzero kuratidza nechiyero. Saka, chikwereti kukanzura anogona kuitwa chete pamusoro expiry ari kukamurwa nguva. Kazhinji, rinenge wakaratidzwa munhu matare simba uye makore matatu kazhinji, sokuvapo anokwereta aifanira kuzadzisa mutoro zvizere. Kazhinji, chibvumirano pakati akakweretesa uye anokwereta inotaridza yokupedzisira kukura musi, ipapo ari kukamurwa nguva atanga ticking kubva pazuva rakatevera musi. Pakuvamba, chikwereti rokuyamura zvinogoneka chete kana kuti kusauka uye liquidation.

Kana sangano rine pfupi nhamo dzemari, vanofanira kuzivisa womunhu anomukweretesa. Pahwaro mashoko aripo ndiko kuva restructured payables, ndiko kuwana nekuyanana uye kusikwa ezvinhu akawanda akanakira okutanga mabasa mitoro. Saka, munhu akakweretesa anogona kuwedzera chikwereti mutsividzo kana kuumba idzva purogiramu rushoma kuripwa chikwereti pamwe chete musi wekupedzisira muripo. Vamwe vanoisa mberi zvinotsiva muchimiro kuderedza uwandu chikwereti kufungisisa mangwanani mutsividzo kana yaitsiva mamwe chikwereti chinoitwa refinancing. Izvi zvinoitwa kuti yekuzvidzivirira default uye kuti kusimbisa kuwana chinenge chikamu muripo.

Tinofanirawo kutaura nzira kugadzirisa zvakadai zvikwereti, utsanzi, uye nokuda mogeji. Set-kubva yakawiriranwa dzinofunga rinoitwa chete kana mapato nekubatwa homogeneous zvakaita mose sungiro uye kazhinji mari. Kana yakawanda chikwereti kambani idukusa rumwe, ipapo mbiri rakapa kuti muduku chitsama. Kana bhadharika inofanira yaunganidzwa pachishandiswa novation, mapato kusarudza kuita kuchatsiviwa mumwe noenderana basa. Kana uchida mamwe chikwereti kudzokera mubvunzo guru, unogona kushandisa kuwa-musana. Pasi nzira iyi zvinoreva kuripwa chikwereti muchimiro dzimwe yesangano, chinokosha kana mari. Anokwereta anogona kubhadhara pfuma chete kana haisi kuvapa chero chikwereti, uye kana mumwe bato akapa ayo mvumo, kuti anofarira nzira iyi kuripwa chikwereti.