Credit, irhafu kunye nomgaqo-mali lweshishini

Finance - na udidi esisiseko, ngokwembali kusekelwe ekuphuhliseni ubudlelwane yorhwebo-mali. Ngoko ke umgaqo-nkqubo yezemali lweshishini - a oluntsonkothileyo amanyathelo, ibanjwa kwangaphambili, umnini, abasebenzi ukwenzela ukufumana lwezimali kunye nokusetyenziswa kwazo, ukwenza imisebenzi yesiqhelo kunye nemisebenzi.
Ngenxa yoko, yavelisa ingqiqo olusekelwe kubungqina umsebenzi mali, iphawula imimandla engundoqo yenkcitho-mali mali, ugxininise kwixesha elifutshane, eliphakathi nezexesha elide, egxininisa ekuphumezeni ngokwenene i-qhinga kuphuhliswa.
Umgaqo-nkqubo yezemali lweshishini iqulunqwa isekelwe phezu isifundo kwemfuneko imveliso eyenziweyo, uvavanyo eziphathekayo, zemali, yobukrelekrele, imithombo yoluntu zolwazi zombutho kunye neziphumo okubonisa preliminary umsebenzi yezoqoqosho.
Iinjongo lweshishini, indawo yayo kwimarike, ukuphuhlisa isigama yomsebenzi mali kuba nefuthe indlela yenkcitho-mali linge. Umgaqo-nkqubo zezimali zenkampani luxhomekeke kwinjongo ephambili - ukusetyenziswa efanelekileyo ezele nokomeleza umthamo wayo zemali.
nkqubo Financial iqulethwe kusetyenziso ekujoliswe kwezibonelelo zemali ukuze kuphunyezwe iinjongo yamacebo qhinga, leyo ichazwe yi kula maphepha lweshishini.
Umgaqo-mali ibandakanya ezi linki zilandelayo:
1) I-nophuhliso lwengqiqo kwemali inkampani, nto leyo eza kunika badibanise ngokupheleleyo wokhuseleko kwiingozi zorhwebo kunye isivuno eliphezulu;
2) nokuzimisela imiyalelo engundoqo inkcitho mali zemali kangangexesha elithile: iintsuku ezilishumi, inyanga, njl, kwakunye kwixesha elizayo;
3) Ukuphunyezwa amanyathelo abonakalayo ijoliswe ekufezekiseni iinjongo ezithile.

Umgaqo-nkqubo yezemali uhlobo kunye nexesha ithuba imisebenzi ihlelwa:

• iqhinga zemali
• qhinga Financial.

Lo mgaqo-mali yale nkampani kunxulumene ngokusondeleyo -nkqubo yezemali karhulumente, azikhuselekanga ngokoke kubonakala nje iphakheji. Yoqoqosho olukhulu, indawo yangaphandle uchaphazela umsebenzi yenkampani yomelele ngaphezu, indawo yangaphakathi loqoqosho oluncinci. Ngoko ke, umgaqo-nkqubo karhulumente kwinkampani ethile kuxhomekeke koko eziphambili ngokubaluleka ezichazwe kwi-nkqubo yezemali karhulumente, ukususela nenyani kunye nokunyaniseka.

nkqubo Credit lenkampani ukunciphisa akhawunti ezifunyanwayo, yaye kamva, ukulawula ikhefu ngendlela eyiyo. nkqubo Credit yenkampani - uKhowudi ethile yokuziPhatha, nto leyo ichaza inkqubo zokuqokelela kufunyanwa uze uthenge ngetyala yorhwebo. Kwiimeko ezininzi, oko iyaphuhliswa kwaye yamkelwa kunyaka wekhalenda, yaye kamva zihlaziywe ngokungqinelana ukusebenza, kwaye ngokutsha ukwenzela ejongene iinjongo ushishino kunye neenjongo kwiimeko lentengiso.

Umgaqo-Smart credit iqulathe iibhloko emithathu emikhulu imisebenzi yenziwa ngokuqhubekayo:

- ngokubonelela ngemali-mboleko zorhwebo (ixesha elingakanani, kubani, wobeka phi na, njl);
- zincwadi rhoqo akhawunti ezifunyenweyo;
- amanyathelo ngexesha ezaneleyo ukulungiselela ukuqokelelwa angahlawulwanga.

Umgaqo-nkqubo yerhafu lweshishini yinkqubo ngeendlela, ubuchule, iindlela, ukuvumela ukuba aqhube accounting irhafu, kunye nokudala, lungiselela, ukubala nokuhlalutya amanani irhafu. Amanani Irhafu ubungakanani iintlawulo zerhafu, kuquka:

• isabelo imirhumo kunye neerhafu kwi amatyala asethi lweshishini;
• umlinganiselo izixa kweerhafu ezahlukeneyo;
• solvency weemali inkampani, njl