Factoring Bank: chibadwa chawo ndi cholinga

Kwa zaka makumi awiri m'dziko lathu akutsatiridwa ntchito factoring. Iwo ndi malonda ndikupeleka ku katundu amene ndi ufulu wa ngongole ndi kulandira ngongole wobwereka a. The zinthu ubale ngati angathe kutumikira mankhwala misonkhano komanso masheya amene malipiro sizinachitike anapanga.

wotuluka Factoring zingatipindulitse magulu onse a ndikupeleka, popeza kulola katundu kupeza ngongole tsopano, ngakhale mu uthunthu wake. Pakati pa gombe ndi ngongole ndi mgwirizano malinga ndi zomwe wogula loyamba kulipira ngongole ya 80-90% kuchuluka n'komwe kulandira achire ngongole zake zonse m'tsogolo. Economic phindu ngongole bungwe ndi kusiyana kwa 10-20%, wotchedwa kuchotsera. Nthawi zina, mawu a pangano limafuna malipiro lathunthu la ngongole ngongole, ndi banki nawonso alandira ntchito, kuchuluka chimene chinati mu pangano amgwirizano.

Factoring ntchito ya gombe akhoza wachinsinsi ndi mtundu. Mmodzi wa ambiri amaona factoring zoweta, ndiye ntchito chifukwa kupeza ufulu amati anthu a m'dzikolo. Ngati mmodzi wa zipani kuti iwowo ndi nzika ya dziko lina, kenako tikhoza kulankhula za mawonekedwe lonse. Pamene mumatsegula factoring ndikupeleka wobwereka adzakhala analidziwitsa wa kulanda ufulu ayambe ngongole ku banki. Chinsinsi kapena chobisika view ikuchitika popanda chidziwitso cha ngongole za kulanda amafuna ufulu. Chotero wamaliseche adzakhala kwambiri zodula. Samalipira anasamutsidwa ndalama kuchuluka kwa ngongole kuti nkhani banki ya kasitomala, kenako akupereka ndalama kubanki ndalama wokhazikitsidwa pangano contractual.

Zochita ntchito gawo factoring ndi mwina ndipo popanda izo. Malinga ndi mtundu woyamba wa banki angasinthe zokhudza pangano ndi katundu ndi kum'bwezera ndi ufulu wokatenga likhoza kulephera kwa makasitomala kubweza ngongoleyo. Ngati opaleshoni imagwiridwa popanda mungachitepo, chinthu mwina popanda wokongoza alipire ya ngongole. Kumene, nthawi zambiri, zokonda zapatsidwa kwa yoyamba wotuluka, kuti kuchepetsa mlingo wa chiopsezo banki. Monga ulamuliro, ntchito bezregressovye akutsatiridwa, pamene wobwereka ndi zosungunulira chilli ndi malo okhazikika ndalama.

Factoring ntchito a mabanki malonda ndi ayamba wotchuka, monga kulola azilipira kusowa zosakhalitsa ntchito likulu mu ntchito panopa mabungwe a zachuma. Ndipo mawu a unavailability ngongole Mwachitsanzo, pamene mabanki amakana chifukwa ina factoring amakhala mtundu wa limathetseratu vuto lina lililonse kuti amalola kupulumutsa chuma mwini. Koma bungwe ngongole sikuti kugwirizana kulowa kugula nyumba koteroko. Poona kasamalidwe ntchito ya gombe zonse zimene ya solvency wa wokongolayo, ngongole mbiri yake, kusowa mankhwala pa msika ndi kuthekera kukhazikitsa mu nthawi yochepa. Imachitika mwachilungamo mumzindawo ndi yaikulu ntchito, ndipo izi zikusonyeza kufanana kwa factoring ndi ngongole.

Nthawi zambiri banki amakakamizidwa kukana katundu, ngati wobwereka ali ngongole yaikulu ndalamawo zosiyanasiyana pa nkhani ya ntchito zongopeka. Komanso factoring makampani musati pachiswe kuti ufulu ndi zofuna za ngongole ku bungwe lalamulo chinkhoswe mu kupanga katundu sanali kapena ndi cholinga gulu yopapatiza ogula.

Factoring mu msika lero ndalama dziko akutsatiridwa pafupifupi pamlingo monga ku misika Loona za ukulu padziko lonse. Ndipo kuti amakopeka kwambiri ndalama zakunja amene ndalama zambiri, kuposa mwatsoka, sangathe kudzitama wa opanga zoweta.