Banki kukongoza

Mu zikhalidwe amakono a banki kukongoza wayamba chida chofunika umalimbana kuwongolera moyo ndi chitukuko mabungwe a zachuma. Inde, zochita za mabungwe ngongole limakupatsani zimene mukufuna pano, ngakhale pamene palibe kuchuluka amawathandiza. Nthawi zambiri banki kukongoza amalenga maziko kukhazikitsa nchito za boma, lomwe ndi zofunika kwambiri chikhalidwe cha deralo.

Popeza ngongole iliyonse zachokera pa mfundo za malipiro, aliyense chidwi milandu banki pa thupi la ngongole ya. Pali kugwirizana pakati pa akuti ngongole ndi chiwongola dzanja, ndiko kuti, kwa nthawi yaitali nthawi ya ngongole, ndi apamwamba kuchuluka. muyezo Izi tingaone ngongole short-, long- ndi sing'anga yaitali. Kumene, kupeza ngongole m'tsogolomu Pakufunika zifukwa zabwino ndi cholinga, monga chiopsezo sanali alipire ndalama ukuwonjezeka. N'chifukwa chake chidwi pa ngongole ngati ndi apamwamba kuposa ena onse.

Malinga ndi cholinga ndi ntchito anafuna amadziŵika ogula malonda, zachuma, ngongole za ulimi. Mwa anthu ambiri mtundu wa ngongole ndi ogula chifukwa kupanga ake sikutanthauza kanthu zina. Monga ulamuliro, kwa cholinga ichi ndi pangano pakati shopu makamaka ndi banki, kotero kutenga ngongole kasitomala adzakhala wosavuta.

Bank kukongoza zachokera chiopsezo ndi udindo oyang'anira za mtundu uwu wa bungwe liri chitukuko cha njira zothetsera chithunzi ichi. ngongole iliyonse mwapatsidwa pansi makonzedwe zenizeni zotsimikizira solvency ndi kukhazikika ndalama kasitomala. B kumachititsa munthu guarantor, chikole kapena ina monga ina. The chitetezo gawo kawirikawiri watenga chuma cha munthu kapena gulu malonda, zomera ndi zida. chitsimikizo The kumapereka lingaliro la kukhalapo kwa ndikupeleka munthu wachitatu amene amatenga udindo ngati si alipire ndalama kwathunthu kapena pang'ono ngongole wobwereka a. Unsecured ngongole zitha linapereka zolinga ogula.

Bank kukongoza kuti mabungwe alamulo nthawi ikuchitika mu mosalekeza Kukhazikika mukukonzeratu mzere wa ngongole. Ndiko kuti, banki amalowa pangano ndi gulu bizinesi kum'patsa ndalama, pa kufunika ndi kuchuluka chofunika mpaka malire amakhala atatopa. Pambuyo pake, wobwereka ali ndi ufulu zokulitsa mzere ngongole, kuyenda isanafike ndi mathandizidwe banki. Mu dziko lathu motere kuti achire kupanda zosakhalitsa ndalama zinthu zipatso ndi ikupita patsogolo ndipo ali mu ndondomeko ya chitukuko.

Bank kukongoza kwa anthu limakupatsani msanga akhazikitse ake, ngakhale sitili pa ndalama. Mosiyana mchitidwe kumayiko ena, magombe zoweta ndi ntchito zambiri ndi mabungwe alamulo. Ichi ndi chifukwa sakhulupirira lonse dongosolo banki ya anthu chifukwa cha zolakwa zambiri nthawi ya mavuto.

Mwachitsanzo mwayi zofunika wogwidwa ndi ngongole kubanki. Ndi pamaso pa ufulu wa kusankha wa makasitomala, dongosolo la opereka ndi malipiro a ngongole ya. Komanso, palibe kufunika deduct msonkho pa kuchuluka ngongole. Ndipo chiwongola dzanja Tingaone monga mphoto chilungamo kwathunthu kwa chiopsezo kutenga ntchito. Wa zinthu zofunika kwambiri akukongoza mabungwe alamulo, chifukwa kumathandiza kuti kudalirika kwa kampani, chifukwa kudzera ndalama ngongole chidzadza kupanda zosakhalitsa chuma.