Kuchuluka kwa BBB. Kulemba ngongole ndi kafukufuku

Ndikofunika kuti tipeze momwe zinthu ziliri mu boma. Mukhoza kuweruza mopanda tsankho mphamvu yogula kapena kulingalira nkhani inayake payekha ndikukhala ndi chidwi pa zomwe zimapereka kufunikira. Mwachitsanzo - kuthekera kwa kubweza ngongole. Ndipo kuchokera pa mfundo iyi yokhudzidwa imaperekedwa ndi kuchuluka kwa ngongole ndi kafukufuku pa kukhazikitsidwa kwake.

Kodi ngongole ya ngongole ndifukufuku ndi chiyani?

Kulemba ngongole ndi malingaliro a mabungwe osankhidwa akunja ndi achirasha pazinthu zamalonda ndi kukhazikika kwa creditworthiness m'magulu a zachuma m'mayiko awo m'mayiko awo ndi m'mayiko onse. Kuti mudziwe mtengo umene uyenera kupatsidwa, maphunziro apadera amachitika, omwe cholinga chake ndi kupeza chuma cha dziko, kulingalira kuchuluka kwa ngongole zomwe amapatsidwa komanso kuthekera kwa kulipira ngati ataperekedwa pa nthawi yophunzira. Chikhulupiliro ndi chiwerengero chomwe chimayesa kuthekera kubwezera ngongole ngati mupereka ngongole pakalipano. Ndipo ziyenera kunenedwa kuti mndandandawo sungagwiritsidwe ntchito pokhapokha ku maiko ena, komanso kwa makampani akuluakulu. Choncho, creditworthiness ndi lingaliro lomwe silikugwira ntchito ku mayiko, koma makampani apadera.

Ndani akuwonetsa?

Zimakonzedwa ndikuwonetsedwanso ndi mabungwe osiyana omwe amayang'anira zomwe zikuchitika m'dzikoli. Iwo amatha kusamala kudzera m'masewero ndi mauthenga a boma, kapena powalumikiza ndi malipoti a oimira awo. Mwachitsanzo, maofesi ena amalumikizana ndi anthu angapo omwe amagwiritsa ntchito makampani osiyanasiyana (kupyolera mufukufuku), monga Better Business Bureau, ena amayesa kudziletsa okha mabungwe akuluakulu.

Nchifukwa chiyani amafunikira?

Nchifukwa chiyani mukusowa mawerengedwe awa? Chowonadi n'chakuti amapereka chidziwitso kwa anthu omwe angathe kukhala nawo malonda pazochitika za boma komanso zochitika. Malingana ndi malingaliro awo, anthu ambiri amalonda ndi makampani amalingalira ngati angagwiritse ntchito ndalama zawo kudera lina kapena bungwe.

Ndondomeko yoyang'anira ngongole

Kodi ndondomeko zotani za ngongole zimakhalapo? Iwo ali ochuluka kwambiri ndipo iwo amafotokozedwa mu Chilatini. Mwachidziwikire, pali miyeso yambiri yowerengera, yomwe imagwiritsa ntchito zilembo zazing'ono, kuphatikiza ndi minuses, koma mkati mwa chiganizo chokhacho "chachikulu" chidzayankhidwa:

1. Lingaliro AAA. Mtengo wapamwamba. Zimamveka kuti dzikoli ndi wobwereka ndi ndalama zambiri. Ndalama zimayesedwa bwino komanso zakhazikika kwa nthawi yaitali. Boma limakwaniritsa ntchito yake pa nthawi ndipo limadalira kwambiri zinthu zakunja za chiyambi. Zowonongeka zomwe zingatheke ndizochepa, mwayi wotsalira uli pafupi ndi zero.
2. Mvetserani AA. Mtengo wapamwamba kwambiri wa ngongole. Gawoli likuphatikizapo mayiko omwe ali ndi chuma chokhazikika kwa nthawi yaitali. Mayiko oterewa akudalira kwambiri kusintha kosasintha kwa chuma cha padziko lonse ndipo amakhala ndi mavuto ochepa a ngongole.
3. Kuwerengera A. Mng'oma wapamwamba wa creditworthiness. Mkhalidwe wa zachuma wa mayiko kuchokera m'bungweli ndikulingalira kuti ndi wabwino pakadali pano. Zolinga zonse zimakwaniritsidwa nthawi yake. Panthaŵi imodzimodziyo, mayiko ali ndi kudalira kwakukulu pa kusintha kosasintha kumene kukuchitika muchuma cha padziko lonse. Mlingo wa chiwopsezo cha ngongole umayesedwa ngati wotsika.
4. Kuchuluka kwa BBB. Kukwanira kwachuma. Chiwerengero ichi chimasonyeza kuti mkhalidwe wa zachuma m'dzikoli ndi wabwino kwambiri. Ikhoza kukwaniritsa maudindo ake mokwanira komanso panthawi. Pa nthawi yomweyi, boma likudalira kwambiri kusintha kwa msika. Kuwoneka kwa chiwopsezo cha ngongole kumakhala kosavuta.
5. Kuwerengera ВВ. Ndalama zosakwanira za creditworthiness. Makalata awa mu chiwerengero amasonyeza omwe akunena kuti chuma chawo chikhoza kuyesedwa ngati chovomerezeka. Amagwira ntchito mokwanira komanso panthaŵi yake ndipo amadalira kusintha kwakukulu kwa msika wa zachuma padziko lonse, koma ndi kusintha kosasintha mu chuma cha padziko lonse, kuchedwa kungabwere. Zowononga ngongole zimayesedwa ngati zovomerezeka.
6. Vuto V. Vuto lotsika la ngongole. Mkhalidwe wa zachuma wa dziko lino ndi wosakhazikika, ndipo mwayi wa kubwezera ngongole kwa nthawi yake kumadalira makamaka pa mdziko lonse. Mavuto a ngongole m'mayiko oterewa ali pamwamba payeso.
7. CCC Rating. Mlingo wotsika wa creditworthiness. Izi zikuphatikizapo zigawo ndi mavuto osakhutira azachuma. Kukwanitsa kukwaniritsa udindo wawo kumadalira kwambiri kusintha kwa chilengedwe. Mng'onoting'ono wa chiwopsezo cha ngongole amaonedwa ngati wapamwamba Palinso mwayi waukulu kuti maudindo sadzakwaniritsidwa mokwanira kapena panthawi yake.
8. SS rating. Mtengo wotsika kwambiri wa creditworthiness. Mkhalidwe wachuma wa mayiko omwe ali m'gulu lino ndi wosakhutiritsa. Zokwanira kukwaniritsa maudindo awo zimatsimikiziridwa mwanjira yapadera ndi kusintha kwa chikhalidwe cha kunja kwachuma, ndipo vuto la ngongole ndi lalikulu kwambiri. Mpata wosasintha ndi wapamwamba kwambiri.
9. Kuwerengera C. Zosasokoneza malingana ndi ngongole. Kulemera kwa mayiko omwe ali m'deralo ndi osauka kwambiri ndipo amakhala ndi ngozi yaikulu. Monga lamulo, mayiko omwe ali ndi chikhalidwe choyambirira asanalowe muno.
10. Mvetserani D. Zosintha. Izi zikuphatikizapo mayiko omwe sangakwanitse kugwira ntchito zawo, ndipo mwinamwake, ndondomeko ya bankruptcy idzayambidwira pamenepo. Ndikofunikira kusiyanitsa pakati pa zizindikiro ziwirizi, chifukwa chosasintha ndi kungoleka kubweza ngongole zawo, mwachidziwitso zingathe kulengezedwa ndi boma lomwe lingathe kulipira zonse.

About Russia tidzanena mawu

Popeza bungwe lirilonse lili ndi zolemba zake, palibe lingaliro lofanana. Koma kawirikawiri, chiwerengero cha Russia ndi BBB kapena BB. Osati njira yabwino koposa, koma osakhala ndi chiyembekezo chachikulu. Kotero, kuwerengera kwa BBB kumasonyeza kuti pali mavuto ena. Koma ngakhale mu chidziwitso chidziwitso palibe umodzi. Kotero, chiwerengero cha Russia tsopano chiri pamtunda kotero kuti chikhoza kuwonjezeka ndi chikhalidwe cha dziko poyambitsa chitukuko cha sayansi ndi kukhazikitsidwa kwa matekinoloje atsopano. Ndiyeno kupima kwa BBB kudzasinthidwa mpaka A. Ngati izi sizichitika, ndiye kuti pang'onopang'ono tidzagwa.

Kutsiliza

Monga mukuonera, makalata ooneka ngati osavuta anganene zambiri. Pambuyo pawo ndi ntchito ya anthu ambiri omwe amasonkhanitsa ndi kusanthula mfundo zofunika. Ndipo tiyeni tiwone kuti chiwerengero cha BBB choperekedwa ku Russia ndi mabungwe ambiri panthawiyi chidzasintha.