I-credit rating alo ilizwe: kwenkcazelo kunye nentsingiselo kwekota

Wonke uqhelene kule kota, njengokuba rating ngetyala. Oku ezininzi eziqhele ukusetyenziswa ukuchaza neebhanki, kodwa ingqiqo linokusetyenziswa a emzimbeni, iziko kunye lizwe.

Yintoni amanqaku samatyala umntu - kucacile. Eli lithuba lokuba umntu ukuba akangebuyi ezivela kweebhanki mboleko kwimibutho. Esi salathisi ibalwa ziibhanki ukuqinisekisa ukuba ingaba ukunika mboleko umntu.

Ukuba ukwandisa isikali, sifumana inkampani rating ngetyala. Kuya kuba umdla iinkampani-amahlakani kunye nabatyali ngayo.

Yintoni credit check?

Lo mbono uye umthwalo data kakhulu ngakumbi, ukuba isicelo yona imibutho nzima ngakumbi kwezoqoqosho, ezifana eli lizwe. Credit amanqaku zehlabathi ezibonisa ingozi yotyalo kwizibonelelo zikarhulumente. Ngokusekelwe kule nani, sinako ukwenza izigqibo malunga nokuba urhulumente akakwazi ukuhlangabezana nezibophelelo ematyaleni. Abatyali zithatha izigqibo kutyalo ezinkulu inkampani okanye ishishini, kufuneka ithathele ingqalelo ixabiso yangoku rating ngetyala.

Kodwa kwangaxeshanye, kubume bayo kuqikelelwa. Akaphindi ukunika isiqinisekiso ngokupheleleyo yokubuyiswa kweengxelo mali, yaye ngoko ke akanakuba njengenyathelo ngokupheleleyo kukuthembeka. Xa usenza i izigqibo isilinganiso utyalo-mali kufuneka ziqwalaselwe kunye nezinye izinto, engqina ukuba nokwenzeka kwemali.

Oye wagunyaziswa ukuba ukumisela iintlelo ngetyala?

Safunda indices kunokuba zikazwelonke nezamazwe ngamazwe. I yangaphambili zigqitywa yi-arhente yokulinganisela yesizwe. ERashiya, kuba "Rus-Rating" "Expert RA", "Arhente Rating yesiZwe" kunye nabanye, e Ukraine - "Rating Credit" yaye "Rating Standard". Bona babe negunya kuphela ngaphakathi kwilizwe labo.

bazithemba kakhulu idatha ezibangelwa ziinkampani ukukala ngamazwe:

• Eguquguqukayo kaThixo.
• Standard & Poor kaThixo (S & P).
• Fitch.

Lokudalwa eUnited States ekuqaleni kwenkulungwane yokugqibela, kodwa wazuza ukuqondwa ihlabathi zaze kwinqanaba ngamazwe.

Le mibutho ukuchaza amanqaku ngamazwe ngetyala kumazwe, amashishini, iinkampani, iingqikelelo ezinxulumene amaziko zebhanki umba, kwakunye njengoko benza ekuhlalutyeni lweemarike zezimali.

Isikhundla rating credit

arhente ireyithingi nganye ugqibe scale yayo isiqu. Ixabiso le ngcamango iye definition yokoqobo, kunye S & P kunye Fitch bodwa imiqondiso "+" yaye udidi eliphakathi kwi isikali "-" ukuba luncedo kwahluka kancinane namanani kwisikali Moody kaThixo.

Yintoni na le kusuka-arhente rating?

Cinga lokunikeza lamazwe umi kunye projections ezinxibelelene ukunika arhente enye. Baya kuza ntlobo ezine:

- Outlook Positive - kuthetha ukuba kwixa elizayo, isikali sibalo.

- Esitalini - ayinayo utshintsho sithunywa.

- Negative - mhlawumbi rating credit ukwehlisela.

- Kwimeko apho kukho yindlela efanayo njengoko unciphiso okanye songeniselo salathisi, ukuchaza kusenzeka sengqondo.

Njani na lo mlinganiselo ngetyala ka Ukraine naseRussia kunyaka odlulileyo?

Ngowe-2014-2015 kula mazwe, kukho iziganeko engabangela ukwehla kule salathisi. Kwaye sele iziphumo zokuqala buqapheleke.

I-credit zokukala Russian Federation iye .o Moody kaThixo c Baa1 ku Baa2 ekupheleni kuka-2014. Ukongeza, kukho ithuba zokunciphisa wayo ozakube usaqhutywa - Outlook negative. Standard & Poor elijongene nayo kwehlisa isilinganiso Russia ukususela BBB- BB + amazwe, kwaye ukusuka BBB ukuba BBB- ngayo ngemali yendawo. Fitch ekuqaleni 2015 wenza ukuhla kakhulu enokuxelwa kwangaphambili ukusuka BBB ukuya BBB-, nangoku kunye nembonakalo efanayo ezimbi.

Ukraine, ngokutsho-arhente rating ngamazwe, nguye karhulumente preddefoltnom. Ebutsheni bowe-2015, Fitch iseke kulo ixabiso SS kunye ombi. I-credit rating of Ukraine yamanye amazwe, ngokutsho data Standard & Poor kaThixo, ekupheleni kuka-2014 kwehliswa ukusuka CCC ukuya CCC- inqanaba.

Kutheni le nto isenzeka? I-credit zokukala zamazwe lifinyele ngokomlinganiselo ukwenyuka kwetyala yazo kwamanye amazwe.

Ngaba uthembe nemvume?

Ngamaxesha zorhwaphilizo inkqubela kuwo onke amanqanaba kubaluleke umbuzo: "? Bulunge na imibutho rating data Njani abathembe" Eneneni, i "ezijijekileyo" okurhafisa lizwe yeentengo zemboleko ukuba nempembelelo enkulu imeko ehlabathini utyalo-mali kunye nokungena utyalo-mali ngqo enkulu kwicala engalunganga. Ukuba idatha ratings, eyasetyenziswa icala-mali, iya kuba bubuxoki, oko kushukumisa umbuzo ukubaluleka utyalo-mali, yaye kungekudala kuya kuvela inzuzo.

I-arhente yokulinganisela ngasentla baye basebenza nzima kule minyaka, wamkela ugunyaziwe ihlabathi kunye trust. Ngoku umsebenzi yabo ukunikezela kangangoko kunokwenzeka echanileyo nkcazelo umhla ukwenzela ukugcina isimo sabo. Ababelwe ngamazwe credit ratings nangayiphi na indlela, akunakubakho amanga, ukuze zingasetyenziswa njenge ethembekileyo umthombo wolwazi ukwenzela uhlalutyo emarikeni.