Wobwereka - ndi ... Kuteteza borrowers. Wobwereka - Tanthauzo

Kugwira ntchito kwa chuma ku dziko sizingatheke popanda limagwirira ofunika kwambiri monga kukongoza. Mawu - ubale wa chilengedwe zachuma akuwuka pakati pa nkhani zachuma ndikupeleka, ndi kupereka linachokera (anabwereka) mtengo kukwaniritsa zolinga zina, pansi pa chikhalidwe chimenecho alipire, malipiro, ndi kukhwima.

dongosolo ngongole

Cholinga cha dongosolo ngongole ndi yolimbikitsa ya ndalama zilipo kupereka iwo tingagwire kwa amalipiritsa. dongosolo ndi malonda banki dongosolo. ntchito yake yaikulu lagona kamangidwe ka ngongole ndi madipoziti ndi madipoziti. Kuwonjezera mabanki malonda, ophunzira ofunika mu dongosolo ngongole ndi: chapakati banki, ngongole apadera ndi mabungwe ena azachuma. M'mayiko ambiri three- kapena anayi mlingo ngongole dongosolo: pa mlingo woyamba - Bank ku Central, pa chachiwiri - mitundu yosiyanasiyana a mabanki (ndalama, chuma, kubweza, malonda). Pa mlingo wachitatu - osakhala banki ngongole ndi mabungwe a zachuma. Zimalimbikitsa mlingo chachinayi, monga inshuwalansi ndi penshioni ndalama, mabungwe ngongole ndi ena. ukugwirira ntchito ya dongosolo operekedwa ndi zimene zimachitika pakati pa ophunzira ubale ngongole.

Nkhani ubale ngongole

Nkhani ubale awa ndi wokongoza ndi wobwereka. Relations pakati pa iwo anatsimikiza mtima kufunika kokhala ndi wobwereka ndalama okwanira ndi kukhalapo kwake ndi, Chofunika kwambiri, kuti linanena bungwe ndi ngongole. Choncho, wokongoza - ndi gulu limene amapereka ngongole (ngongole / ngongole). Wobwereka - ndi gulu limene adzalemekezedwe (ngongole / ngongole) ndipo amatenga udindo kubweza ndalama anabwereka m'nthawi yake.

Mmodzi ndi munthu yemweyo mu chimango ubale chuma ndi ngongole imodzi ukhoza kukhala ndi ngongole ndipo wobwereka a. Liwulo mu nkhani iyi ndi chotero kuti Mwachitsanzo, munthu, kupanga ngongole ku banki amachita ngati wobwereka, mu nkhani iyi, banki - monga wokongoza a. Pa nthawi yomweyo, pamaso pa gawo pa gombe chimasintha asapita ophunzira malo. Ndipo munthu - ndi wokongoza ndi kubanki ndi wobwereka.

Chinthu ubale ngongole

The chigawo chachikulu cha ubale pakati pa wobwereka ndi wokongoza ndi HIV chinthu. Chinthu asapita kutengerapo ngongole - ndi linachokera, kapena otchedwa zosachitika, mtengo. Mu mawu ena, ngongole ndalama zilipo, iye anali atakhala ndi anaima kayendedwe ake. Ndiyamika ngongole ndi, n'zotheka kuyamba mkombero latsopano kupitiriza aziyenda ndi ndalama mwachindunji mu makope. Ndi zokwanira kupereka ngongole kwa wobwereka pansi zinthu zina. Mmene izi, wobwereka - munthu amene polandira ndi zolowa za limanena patsogolo amalola osati udzasokonezedwa ndi Finance dera. Izi pamapeto pake Iyamba ndondomeko kubalana. Izo zapita patsogolo chikhalidwe cha ngongole ndi mbali yofunika ya ulemu ndi ubwenzi ndalama.

chikhalidwe china chofunika kugwira ntchito kwa ngongole malo ndi repayable ndi kuteteza ufulu wa umwini ngongole ya ndalama zimene anapereka ntchito ndi wobwereka lapansi. Imodzi mwa ufulu wachibadidwe woperekedwa ndi alipire ndi creditworthiness wobwereka a.

Mfundo yofunika ya ngongole ya - kuteteza mtengo wake

Mwa kupereka njira ntchito wokongoza, n'kofunika osachepera kuwasunga ndi momwe kuonjezera pazipita. Kukwaniritsidwa kwa zinthu izi ndi lofunika ngongole khalidwe.

Mu zenizeni, izo Sizotheka kuti litsatira mwathunthu. Kuopsa chachikulu cha ophunzira ngongole ndi ubwenzi chuma, ndi inflationary njira. The chifukwa cha njira kusefukira kwa kufalitsidwa ndalama ndi ubweya wa ndalama ndipo monga Motero, kuchepetsa ake mphamvu kugula. Wobwereka - munthu amene amatenga udindo ngongoleyo. Koma vuto la kufufuma anabwerera ndi ndalama, pokhalabe kukula mwadzina, makamaka ndi mtundu kale utsenonnuyu. Komabe, pali zambiri mavuto ena, pa zosayembekezereka amene watenga ngongole si tingathe kubweza izo mogwirizana ndi mawu a kukongoza. Ndipo si nthawi zonse vuto yekha wokongolayo. Nthawi zambiri ndi kuphwanya ufulu wawo yovomerezeka kumabweretsa chonchi zoopsa.

Kuteteza zofuna malamulo a borrowers

Poyamba, ngongole-wobwereka - ndi ofooka ku mfundo ya zamalamulo view wa chipanichi. mabungwe Financial kuchepetsa amadza kasitomala zomwe zili pangano ngongole, potero kuchepetsa mphamvu yake zimakhudza mfundo za ngongole ndi alipire. Zimenezi zimachititsa kusaina mgwirizano, kuti yabwino kwambiri ngongole, koma pa nthawi yomweyo, kungapondereze ufulu wa wobwereka lapansi. The kuyan'anila zambiri ufulu wa munthu amene anatenga ngongole:

• mawerengedwe a chiwongola dzanja pa ngongole pa thupi lonse la ngongole (osati muyezo wa ngongole);
• accrual chindapusa ngongole
• ndi accrual la zilango kuti sakugwirizana ndi kukula kwa ngongole yaikulu;
• Mphamvu ya dera lawo mkangano pa kukongoza banki;
• borrowers inshuwalansi chikhalidwe cha ngongoleyo ya;
• kulolerana mu mgwirizano wa akubwereketsa mawu a zochita za malipiro kukhalabe nkhani ngongole ndi nkhani ngongole.

Chilamulo Federal "Pa ogula ngongole (ngongole)"

Pa July 1, 2014 boma latsopano la Russia, Chilamulo № 353-FZ. Cholinga chake - kuteteza matenda asapita, amene angabuke makonzedwe a ogula ngongole (ngongoleyo) munthu, ngati ngongole ndi chikalata osati zolinga malonda.

Cholinga cha chilamulo - kuika kuti ogula ngongole msika ndi kuteteza borrowers. Mwatsoka, mpaka posachedwapa, ngakhale mabanki khola ndi mbiri mkulu alolera ntchito makasitomala umbuli malamulo. Lolunjika pa chitetezo malamulo ndi lamulo borrowers bwino nthawi mfundo zotsatirazi:

• standardization mitundu pangano Ngongole;
• ndi opanikiza chikhalidwe cha kukula kwa chilango accrued likhoza malipiro mochedwa pa ngongole ya;
• kuletsa ritelo mitengo kukongoza;
• mafotokozedwe a limagwirira kwa kuwerengetsa mlingo ogwira chidwi;
• kulimbikitsa ya ulamuliro pa ntchito mabungwe microfinance;
• Lamulo la ntchito ya msonkhamsonkha.

Anthu mamiliyoni ambiri amakhala ndi ngongole

Malinga ndi kafukufuku, pakati pa 60 ndi 90% wa nzika ntchito ndi ngongole kwambiri. Pa nthawi yomweyo kutchuka kwa ngongole ikukula bwinobwino. Nzika daze ndi kunena pangano ngongole. Ndipo mabanki, osachepera poona creditworthiness wa wobwereka, ndi wokonzeka kupereka ngongole. Nthawi zina chifukwa ndi wokwanira kusonyeza pasipoti. Izo zinali mu Mpumulo umenewu ndi chodya lagona "bomba" kuti akhoza kugunda onse wokongoza ndi wobwereka lapansi. Ngati munthuyo ngongole sangathe ngongoleyo, ndiye vuto osati iyeyo komanso kwa wokongoza kuti abwezere ngongole. Nkofunika mwabwinobwino awunike mavuto ndi mlingo wa udindo ndi kukonza ngongole kokha ndi 100% chidaliro mu kukhwima ake.