Discounting utuluke ndalama

Lingaliro la discounting utuluke ndalama kumatanthauza njira yobweretsa mtengo wa wotuluka pa nthawi zosiyanasiyana, kufunika zogwirizana nthawi ino. Mwachitsanzo, zogulitsa a gulu lirilonse amafuna ake kukonzanso kuwunika, ndiye mtima wa mtengo, kutenga nkhani ya kusintha zinthu msika. Makamaka zambiri ntchito Kuchotsera otaya ndalama njira kuchititsa wotuluka ndi ndalama. Ndipotu, kuti mtengo kopindulitsa ndalama, muyenera kuganizira kusintha kulikonse mtengo wa kalembera wa.

Dziwani kuti kugwiritsa ntchito njira imeneyi amafuna kutukula luso yeniyeni ndi chidziwitso chokwanira. Only katswiri akhoza bwinobwino lililonse index molondola kuwerengera phindu panopa ntchito. Discounting utuluke ndalama ali katundu wa nthawi, monga phindu latsopano mofulumira kutaya zoyenerera, makamaka pa mlingo yaying'ono, pamene kufooketsedwa ndi gulu iliyonse ya katundu ndi chuma.

Pakuti olondola ndi odalirika zambiri katswiri zikukhazikitsa m'njira ziwiri. The njira yoyamba ikukhudza amaganizira nthawi Chinthu, ndipo chachiwiri, motero, satenga mu nkhani. Kuchotsera otaya ndalama akulola Investor kutenga kusankha aganyali Malinga ndi zimene chiopsezo ndi masitepe kufufuma. Mukhoza kupanga kufanizitsa kwa phindu analandira panyengo zosiyanasiyana nthawi. Pakuti kusiyana kupeza inflows ndi ndalama zonse prodiskontirovannyh ntchito chidwi chomwecho. Choncho, kupeza ukonde Kuchotsera utuluke ndalama.

The molondola ndi zotuluka pa zotsatira za kuwunika kumadalira osati kokha pa kafukufuku operekedwa, komanso kusankha olondola a mlingo kuchotsera. Kudziwa kuti ntchito imodzi mwa njira zitatu otchuka: mawerengedwe a zolemeletsedwa ndalama pafupifupi ndalama, katundu kusanthula kuti tizigwiritsa ntchito nthawi yaitali, ndipo nyumba chokhala. The njira yamasika amagwiritsa ntchito akatswiri ambiri kulemekezedwa ndi ntchito zambiri. Ichi ndi chifukwa chakuti njira imeneyi molondola monga zotheka kuganizira digiri ya riskiness ya opaleshoni.

Discounting utuluke ndalama imatengedwa njira yodalirika ya kudziŵa rationality ndalama. ubwino wake sali pansi kukayika kulikonse. Koma pali vuto limene likukhala zovuta kwa ndondomekoyi. Kupeza zotsatira zolondola ndi zoona Pakufunika ndalama zofunika kwambiri za nthawi ndi zambiri kuleza mtima a katswiri a.

Komanso, Kuchotsera otaya ndalama amaganizira osati mlingo wa chiopsezo, komanso zoyembekezera kufufuma. Titsate kusintha mu kufufuma angathe kukwanitsidwa ndi imodzi mwa njira ziwiri zofunika kwambiri. Malinga ndi njira choyamba chigawo kufufuma ndi n'komwe pamene kuwerengetsa mlingo kuchotsera ndi chimake chachiwiri imagwiridwa lililonse deflation mtsinje pa mlandu. Ndiko kuti, njira chachiwiri choti kusintha inflationary mwakamodzi.

Mumayenda discounting njira zachokera yokonza yeniyeni chitsanzo cha ndalama ntchito za kampaniyo. Childs, chitsanzo otere anayamba potengera kusanthula wa phindu ndi imfa chifukwa ndi zikalata kuwalitsa otaya ndalama ndi ndalama pa nkhani ya mabizinezi. Pakuti polandira ndalama zofunika otaya ndalama ku ntchito opaleshoni yafupika ndi kuchuluka kwa ndalama. Kuchuluka chifukwa cha ndalama imatengedwa ngati gulu ndalama, limene mbali apita malipiro kwa obwereketsa ndi borrowers, ndipo anagawira mwa ma sheya hoda onse mu mawonekedwe a ndalama lopeza.

Malinga ndi kuwunika wochititsidwa ndi ntchito kuchotsera, katswiri zimapangitsa mapeto zokhuza kuthekera kukonza ndondomeko kupanga kuthekera wa nkhani ya ndalama zina kuti kupindula kwambiri m'tsogolo.