Credit kunye emali lokubolekwa

Xa ezoqoqosho mihla aggregate mali ithathwa njengokuba isixa semali kunye nezinye izibonelelo zemali, twatse supply imali. Ekukholelwa ukuba lokubolekwa emali kufuneka amatyala ka n'wina kumanyano.

Kulo lonke ixesha elininzi ukusetyenziswa udidi kwezoqoqosho, bekucingelwa ukuba lokubolekwa eziphambili imali benza njengoko iinjongo eziphambili ze -nkqubo ngetyala.

Xa ezoqoqosho lugubungela lokubolekwa emali, ezifana:

• imali (M0);
• asethi zemali: Imali imali kunye ikhredithi izibonelelo, kunye needipozithi imfuno (M1);
• ifomu ihlanganisa M2 - yabunjwa ngokongeza M kunye neendidi ezahlukeneyo yesibambiso ezisisigxina;
• iiyunithi uhlobo M3 - yabunjwa ngokudibanisa M kunye nenani iidipozithi ixesha elikhulu (certificate of deposit);
• lokubolekwa ifomu L I-ngokubanzi units, kuquka kuyondelelaniswe ngaphandle kwesinxaxhi asethi zemali.

Kuqoqosho lwanamhlanje ngakumbi yaye kubaluleke ngakumbi kwisakhiwo yesixa emali bafumane izibonelelo zamatyala. Kwaye oku kumiselwa ngqo isidingo sokwandisa imisebenzi ngetyala.

Ezindabeni uluhlu lwamatyala imisebenzi kunye neempawu zazo zezoqoqosho hayi ukuba afikelele kwisivumelwano. Amaxesha amaninzi, ezi iimpawu ezifanayo iimpawu zibhekisa amagama umsebenzi ezahlukeneyo, okanye ngokuchasene noko, ezichongwe imisebenzi eyahlukeneyo.

Umzekelo, iimpawu umsebenzi replacement ezichongiweyo imali kunye ikhredithi nemisebenzi ejikeleza, njengoko kubhalwe ukuba zombini ezi meko izinto ngetyala njenge didi ukukhuthazana. Nakuba kunjalo, kufuneka ukwahlula le misebenzi, kucacile ukuba umba imali mboleko (into yokuba kufakwe imiqondiso bemali) kunye nonyango imali mboleko ayikho ncam, kuphazamise lokubolekwa emali kunye neentlobo zabo ngokwemigaqo ukwakhiwa kwawo kunye nesakhiwo.

Xa eziphawula umsebenzi unikezelo kwi ncwadi ibalaselisa uhlobo imveliso ye nokunikezelwa kwezibonelelo ngetyala. Noko ke, ukusebenza kwezibonelelo ngetyala akusoloko elinemveliso kwindalo, ukuba kuphindwe ukubuyela, kodwa hayi backfilled iindleko ngetyala, zibe ziqukwe lokubolekwa emali. Kulo mba, ukongeza kumsebenzi nokwabiwa yomphunga kufuneka kumenywa ukuba umsebenzi ekuhlumiseni ogcino resource, nenoxanduva nohlobo imveliso iindleko intshukumo ngetyala kwaye ukukwazi ukwenza ixabiso elitsha yekhredithi njengoko self-elandayo.

Kule ncwadi kwezoqoqosho kukho umsebenzi ngetyala eziphambili ezintathu - lonikezelo, ulawulo kunye nokutshintshwa, kwakunye nenani neminye imisebenzi ezibonakalisa indima ebonakalayo ngetyala njengenxalenye imali zibandakanyiwe lokubolekwa emali. Kungenxa yoko le nto, ngokusekelwe imisebenzi eyaziwa kwasekwa imisebenzi yokuhlela kuhlala ezifanelekileyo kongezwe a iimpawu-mboleko entsha: inguqu of capital eziwela ekusebenzeni.

Inika:

• bond mboleko kunye uqoqosho ngokubanzi:
• ukudaleka ixabiso elitsha yekhredithi njengoko ixabiso self-ngokwandisa;
• ukudalwa ngetyala kuthetha ejikeleza (mboleko kunye nemali non-credit);
• Loan nolungiso imali turnover (kanye mihla, njalo-ebizwa imali credit);
• nokutshintshwa cash imali turnover (ngetyala kunye nemali bank cash ngetyala).

Indima ngetyala ngenxa ekuphunyezweni kwemisebenzi yayo, kuya kuqinisekisa yokunyusa ukusasazwa kwemali, nto leyo ibe nefuthe elihle lokubolekwa emali.

Umgaqo Ukwakhiwa imodeli enjalo emigangatho emiselwe imisebenzi injongo, ulwalathiso, iinkcukacha. Imisebenzi yokuhlela sifakwe ukwenza ixabiso elitsha ngetyala njenge self-elandayo, yaye isiphumo isiphelo ibandakanya ukuguqulwa kwikomkhulu eziwela ekusebenzeni.