Iimarike Credit: imbali, imigaqo, injongo

Ukuze enze ingqiqo wento iimarike ngetyala, sibheka kuzo engundoqo kuqoqosho.

Imali - enye izinto ezibalulekileyo zoluntu. Kumaxesha amandulo imali indawo iimpahla ezahlukahlukeneyo asetyenziswa yonke imihla ekhaya. Ezinye Osoqoqosho bakholelwa ukuba imali, enyanisweni, kuba nantoni na ngokupheleleyo nemisebenzi yabo kuhlala ingatshintshwanga.

Imisebenzi imali:

• i medium of exchange ;
• iindlela zokugcina (oko kukuthi, ubutyebi ukugcinwa);
• ixabiso ngomlinganiselo.

Xa sijonga le misebenzi ngokwembono ngetyala, eyona nto ibalulekileyo kukuba lo wesibini. Kukho icebiso umdla, ezinxulumene ukuvela "credit" ingqiqo. Kukholelwa ukuba bonke ababevela weengcibi zegolide kumaxesha, abantu bazisa izacholo kunye bejewellery, nayo, wabhala irisithi. Ezi iirisithi wavuma lula kwezinye zonke iivenkile kwi kuhlawulwe ezo mpahla. Kukholelwa ukuba le - le fomu yokuqala imali. Kuqala ke lakhupha amatyala ngokupheleleyo, kodwa beebhanki elizayo ndaphawula ngokuhamba kwexesha ukuba isixa semali ukuba abantu shi kwivenkile yabo, zingaphezu kwemali sirhoxisiwe. Kukholelwa ukuba oku ekuqaleni yokubolekisa ngemali.

nkqubo ngemali

Credit - isibonelelo-mali (okanye impahla) kwi ityala kunye nenzala. ubudlelwane Credit phakathi kwamaqela zisekelwe kwimigaqo zilandelayo:

• Imbopheleleko: mboleko kufuneka ibe seyibuyisiwe.
• Wokuphuthuma: oku kufuneka kwenziwe ngalo naliphi ixesha, kwaye ngexesha elithile kunye pre-ezimisele ixesha.
• Warranty: Obolekayo kufuneka unike isiqinisekiso ukuba unako ukwenza iintlawulo kwi-mboleko. Okwangoku, saqalisa ukusebenzisa ukhuseleko mboleko njengesiqinisekiso.
• Ibhalelwe ukusetyenziswa: mboleko kufuneka ekujoliswe kuzo.

Capital ngokwemo izinto zokuvelisa awukwazi ukususa kushishino omnye komnye. Le nkqubo ngokuqhelekileyo luqhutywa ngohlobo eyinkunzi imali. Credit kule nkqubo lisebenza njengendlela elastic olawula "ukuphuphuma" of capital Namashishini kushishino kunye ngokulinganisa izinga leengeniso. Iimarike Credit - emarikeni apho kukho imfuneko kwaye unikezelo kwi indlela yentlawulo. amaziko Credit ngokuqhelekileyo ngolu deal. Indima yamaziko zamatyala ziibhanki. lweekharektha neendumiso ibonelela imali xa ukulahlwa lwamashishini, kunjalo intshukumo yabo kumacandelo kunye ezingaphezu umxholo lwabo kweli candelo, kunye nokunqongophala kwemali.

Makhe sibheke lekhredithi yemakethi kwimbali Russia. 1994 yaba yeyona impikiswano: batshintsha iintsingiselo lusekiwe, sifumane ezintsha, kodwa zange ngokuqinileyo, ziye zatshintsha kwakhona. Kodwa ezinye iindlela ezinokuthi baqala ukuphuhlisa kwiminyaka edlulileyo, wafumana isiphelo sayo kusengqiqweni ukuba ngo-1994. Umzekelo, amaqondo enzala ziye bayilungisa shishino kunye iibhanki jikelele. umbhejisi nangakumbi abolekisa ngemali ngurhulumente kunye corporate. lekhredithi yemakethi Russian ubunzima kwintlekele yokuqala ngo-1995. Kwaba nje ingxaki yebhanki, khon 'ukuze imeko yezoqoqosho kunye nezopolitiko kweli lizwe wayesenamandla ngokwaneleyo.

Ke ukuba yokuphuma ekhawulezayo nga crisis yeebhanki ezinkulu eRashiya udale "amathambo" kuyo waqala ukuthatha wabaza kwimarike entsha. Ekubeni le iibhanki waba nodumo kakhulu, bona uhlengahlengiso ukuxhumana abo kutshatyalaliswa. Enye ingxaki kwenzeka kwiminyaka 3 kamva. Wabafundisa iibhanki ezinkulu isifundo elungileyo; esitalini kakhulu na isakhiwo kwimarike, leyo inkulu, kodwa Lowo unayo kwinqanaba eyaneleyo kunye nobuchule zolawulo. Ukuza kuthi ga ngoku, iimarike zeentengo zemboleko icandelo enkulu emarike zezimali. Bagqiba amandla kunye nemali umthamo omkhulu. Yeyona iimarike ngetyala kwaye ubudlelwane ezinxulumene kunye nokukhawulezisa kwimarike kuqoqosho egxothiweyo.