Yintoni na ngokwezavenge? Imigaqo supply

-umlenze (-umlenze) Liguqulwe lithatyathwa French lithetha inxalenye okanye isabelo izibambiso, iibhondi ogama kunikezelo uya ukuphucula iimeko emakethe.

Yintoni na ngokwezavenge?

Ngenxa yokusetyenziswa ethile yesixhobo kunokuba ngokuqhelekileyo delimit umda wayo ngolu hlobo lulandelayo:

1. Ukutyala imali eninzi.
2. Zizinike amaziko kunye neebhanki.
3. Ukubonelelwa States ngokwezavenge zeIMF.

Ukuqonda igama elithi "-umlenze" kufuneka eze kuvela ukwahlukana ngasentla, neendlela ngokunika uncedo lwemali. Yintoni na ke ngokwezavenge xa imali? Le Mboniselo securities (CB) kunye nemiqathango efanayo, kungakhathaliseki xa esebenzisa inxalenye Impahla iyonke. Ukuba yinxalenye ye-Central Bank wamnika ngokuthe ngcembe, xa iimeko mboleki nentengiselwano wadibana ngokwemigaqo intlawulo yokuqala.

Yintoni na ke ngokwezavenge xa uboleka? I-Bank ubeka umda umba imali lombutho mboleki (umgca ngetyala), kwaye kwisithuba lo umda unika naye isixa kuyimfuneko. Kulo mbutho, Nobolekayo unelungelo lokusebenzisa isabelo entsha ye-mboleko kwimfuno, ukuba zonke izibophelelo ukuba ahlawule ityala lwenziwa emva kokuba tranching yokuqala.

Yintoni na ke ngokwezavenge, i-International Monetary Fund (IMF)? Baya ayalingana umgca ngetyala kwiinkampani, ngaphandle kokuba iimeko nokunikwa kwabo. Ngokuqhelekileyo, i-IMF abeke phambili iimfuno ezithile,-non ukuthotyelwa apho eli lizwe kusala ngaphandle kwemali. Iimfuno IMF ukuze abe sisidalwa lwezopolitiko noqoqosho.

-umlenze Credit kunye nemiqathango

Yintoni mboleko yezavenge, ezichazwe ngasentla. ingqiqo ka "umgca credit 'ufumaneka, nto leyo efana isihloko ngentla. Njengenxalenye yesivumelwano phakathi ebhankini kunye obolekayo zikhankanywe zonke iimeko kunye lokuhlawula kumgca lekhredithi. Ugxininiso kulo xwebhu enikelwe ukunciphisa abuyiselwe. Egqithayo kwemida uyilo kwesivumelwano akunakwenzeka ukuba tranching. Endaweni yoko, ibhanki inokuwisa iipesenti ezongezelelweyo (malunga 0.5% ngonyaka ngamnye, kuxhomekeke kwizinto ezininzi) ngokuba isabelo ingasetyenziswanga le ungenatyala ithetha. Ngenxa yoko, ibhanki ukhuthaza umboleki ukuba basebenzise ngokupheleleyo ilungiselelo ngetyala.

Iimeko phantsi elikhuphe -umlenze zidweliswe ngezantsi.

1. Ukubuyiswa ngokungqinelana neshedyuli yentlawulo.
2. Accrual enomdla izibonelelo zamatyala.
3. Yokuhlawula amatyala zenkampani okanye wammela ezongezelelweyo mboleko ngokohlobo asethi zayo inzuzo ye-nye umnikimali nomamkelimali.

Ngokwezavenge ngezimali

Yintoni unikezelo -umlenze phantsi sivumelwano semali-mboleko? Ukuze siqonde lo mbuzo kakuhle lula ukuba bangazilibali intsingiselo Isigaba ilizwi. Khumbula evela French lithetha "yinxalenye". Ngako oko, ukubonelela -umlenze - ngumba kwisabelo-mali ngaphakathi mda lisekwe mboleki.

-umlenze nganye inganikwa zombini yi Isicelo yomboleki ngexesha lesivumelwano, kwaye nexesha eliqingqiweyo ecacileyo. Zonke bokuqonda intengiselwano ebhaliswe sivumelwano semali-mboleko. Umboleki unyanzelekile ukuba aphumeze uxanduva zabo ngexesha nangokupheleleyo. Kwaye kukho mboleki, yena - ukubonelela nge-imfuno umbutho -umlenze wesibonelelo se ukuboleka imali.

Izinto eziluncedo ze umgca credit

Ngokungafaniyo yebhanki eqhelekileyo ukukhupha imali-mboleko, uluhlu lwamatyala kuba nomtsalane ngakumbi ngenxa kubaboleki, ngokunjalo namaziko zemali. Izinto eziluncedo eziphambili tranching phantsi koncedo lokuwongwa ngemboleko-zezi zilandelayo.

1. inani Unlimited of ngokwezavenge. ukusetyenziswa okuphindwayo mali ngetyala. Umgca credit inokuba umda ehlaziyekayo and non-angahlaziyekiyo nokupha ethile. Xa uhlobo yesibini lombutho mboleko angasebenzisa ngokwezavenge eziliqela, kodwa iyonke imali ayikwazi igqithe ubukhulu ekhankanyiweyo. Ukuba umgca ngetyala elivuselelwa, ngoko ke intlawulo ye ngokwezavenge ezithathiweyo umboleki ayisebenzise kwakhona. Umzekelo, lo umda kwi ngetyala olujikelezayo umgca kwezigidi zeerandi. Umboleki ibango ukuba Isigaba sokuqala $ 300 000, ahlawulwa ngayo kule mvumelwano xesha (iinyanga ezi-2), ngoko ke ubuninzi ukuba ungaphinda-ukusebenzisa izigidi zeerandi. Kwaye kwimeko kumgca credit non-esijikelezayo kulandela inxalenye litheni-mboleko ngenxa bekuya kuthetha ku-700 000 kuphela eerandi.
2. Inzala ukuba ukusetyenziswa -umlenze ezinokubizwa ngeendlela ezahlukeneyo - ingaba umgangatho, ukuba Iqinisekile ngaphandle komda ubonelela ithuba lemvumelwano. Okanye abe amagama athile izityholo. I-Bhanki ukunikeza obolekayo ezahlukeneyo iimeko accrual enomdla Isigaba ngasinye. Inzala kuyo nayiphi na imeko, ixhuzulwa kuphela kwisixa osetyenzisiweyo (Isigaba).
3. Debt bhala-off kwenzeka ngokuzenzekelayo xa ufumana imali kwi-akhawunti yombutho, kananjalo kube lula kakhulu njengoko konga ixesha.