Credit nengozi: nzira kuongororwa uye nzira kuderedza

Nokushanda pamwe mabhanga, tiri kazhinji atarisana akadai sokuti chikwereti pangozi. Chii? Kuisa Zvinongoreva, tinogona kutaura kuti mbiri pangozi - mukana kuti counterparty (kana chikwereti) kuti mitoro yawo nezvaro kondirakiti. Ndizvo ngozi default of nechikwereti kana counterparty. Chokutanga, vatakuri chikwereti pangozi ndedzinotevera marudzi kwema:

• Direct uye kunanga anomukweretesa.
• Purchase uye kutengesa yesangano pasina mubhadharo yacho counterparty.
• Kwema pasina mubhadharo inopikira kubva kumapati yechitatu.

Credit pangozi inosanganisira ndingangokuvara kuparara nechikwereti. Uye ndiko kuparara mamiriro ezvemari kwete chete. No zvishoma zvinokosha ndiwawa: rutapudzo yacho Company nezvetsika mudunhu, kushaya kudiwa nekuda indasitiri, kuderera rengoni , etc. Ndizvo zvose zvinogona kutadzisa munhu kubhadhara mari. Zvisinei, nekusagona kudzorera chikwereti - hazvisi chete kurasikirwa kuti kubhengi vangatambura. Credit pangozi kunogonawo zvisina kunanga (somuenzaniso, kana somugumisiro zvimwe zviito kwakaderedza kukosha kuchengetedzeka, migove, wevimbiso manotsi, kana uchida kuwedzera Vhoriyamu chikwereti reserves).

Mukuita dzokuziva chikwereti ngozi, pfungwa zvinoverengeka:

• mukana default. Mukana wokuti anokwereta imwe nguva achava ezvinhu insolvency.
• Credit Rating. Kunyatsoongorora rakavimbika kuchengetedzeka siyana.
• Credit yokutama. Mukana kuchinja mbiri Rating ari chikwereti, kushandiswa, counterparty, issuer.
• Mari kuti kutarisana chikwereti ngozi.
• Padanho kurasikirwa anogona kushivirira pamahombekombe pakuparwa default.

Practice inoratidza kuti zviri zvachose kwema zvose, nokuda iyo bato kupinda noukama akakweretesa uye anokwereta, kuti kwaita chikwereti, takura imwe mari ngozi. Pane pfungwa kunzi ngozi-isina mubhizimisi - mune iyi, mbiri pangozi riri shoma uye conventionally sokugamuchira razero. Zvisinei, kunyange mumamiriro ezvinhu akadaro aripo. Uye zvinofanira kufungwa nezvazvo.

Credit nengozi - ndiko kuti bhanga raifanira kufunga pakutanga apo kufunga imwe kushanda. Unofanira kunyatsoongorora chikwereti nhoroondo inopiwa mukwereti, mabasa ababa vake uye ruzivo zvose iripo. Pachezvayo tinyatsonzwisisa zvikwereti ngozi kunofanira kuitwa nenyanzvi vanokwanisa, nokuti nzvimbo apo zvishoma miscalculation kungaita kuti yakakura varasikirwa.

chikwereti pangozi kubhangi inogona kushoma. The tradition nzira - kutora chokumbofanobata. The zvinokosha pfuma rakakodzera sezvo vakadaro zvakanakisisa, zvokunwa zvinhu. Kana nokurasikirwa rubatso, nzira inonyatsoshanda kurerutsa chikwereti ngozi ndiyo inishuwarenzi. Uyewo, mabhanga akawanda mubasa vavo akarwawo vakaomerwa system (vatengi chero boka kwete kukweretesa kupfuura imwe mari).

Yeuka kuti munhu akwanise tinyatsonzwisisa chikwereti ngozi kuchaita kugara yerera uye kwete kurasikirwa nemari kunyange mune destabilized zvoupfumi mamiriro ezvinhu.