Kodi ndalama chiopsezo?

ndalama zakunja mavuto, kapena mwinamwake chiopsezo zomvetsa kusinthitsa ndalama, mwachindunji interfaced ndi kudalirana msika banki mapangidwe mabungwe olowa banki ndi makampani, komanso osiyana cha zochita zawo, ikuimira imfa Nkosatheka kwa ndalama, sipangakhalenso zogwirizana kusinthitsa kusinthasintha mlingo. Awo ndi mitundu yochepa.

Ndalama kuopsa ndi kusasintha m'njira inayake: malonda, translational, kutembenuka, komanso anataya moyo pachiswe. Malonda zambiri kumaphatikizapo sungathe ngongole kapena kusafuna kulipira maudindo atatenga. Ndi kutembenuka ambiri amadziwira monga chiopsezo zomvetsa ena ntchito yeniyeni. Iwo akhoza kugawidwa kumasulira chiopsezo, chiopsezo chuma, ndi zoletsedwa.

Woyamba yolimba kusiyana kulongosola za chuma ndi ngongole ya ndalama zakunja. Ngati pali akuponya mlingo kuwombola, amene afotokozedwa mu kalembera wa, mtengo wake komanso kugwa. Ngati kusanduka mtengo wa katundu gawo likulu la banki kapena kampani amadziwikanso yafupika. Ngati ife lingalirani kuchokera malo a zachuma, chiopsezo ndikupeleka n'kofunika kwambiri, Ikufotokoza mmene kusintha mitengo posinthanitsa ndi mtsinje lotsatira la ndalama, motero profitability anakonza banki kapena olimba.

kuopsa Economic kampani kwagona kuti mtengo wa katundu wake ndi ngongole angasinthe motsogozedwa kuchepetsa kapena kukulitsa, ichi ndi chifukwa kusinthasintha kusinthitsa ndalama.

wotuluka chiopsezo amagwirizana ndi osatsimikiza za mtengo tsogolo la ankayendetsa ndalama zakunja mu ndalama dziko. The profitability wa kampani ndi kusintha kumatanthauza kusintha creditworthiness ake, choncho banki Nkofunika kudziwa aliyense wotuluka kuwombola yachilendo imene kasitomala. Mu chikhalidwe cha Kusakhazikika mu mitengo kuwombola imodzi mwa njira kuteteza kusankha ndalama tinganene kuti mavuto ndalama kwa mgwirizano, zovomerezeka kwambiri kuti counterparties. Waogula Zinthu Kunja ndi obwereketsa makamaka ntchito kokhazikika mmodzi. Sankhani ndalama mwina zimakhudza mphamvu ya ulemerero ndi malonda ntchito.

Ndalama mavuto ndi njira ya malamulo awo

Akuti mtundu wa chiopsezo n'zofunika wa kampani, amene imvera ophunzira ubale zachuma. Pansi ndalama chiopsezo Pankhaniyi akhoza kumva monga chiopsezo zomvetsa kugwirizana ndi mitengo kusintha pa nthawi ya pakati pa mapeto a mgwirizano ndi malipirowo. maziko anaikidwa ndi kusintha mu mtengo weniweni wa udindo ndi ndalama pa nthawi yakutiyakuti. Izi umamumvera onsewo wa ndikupeleka.

Chifukwa chakuti ndithudi chiri mwamtheradi ndalama zonse imvera oscillations nthawi, mwambo wa mgwirizano wa mayiko ndalama anasankhidwa kufika kwa kusankha njira kuteteza poopa izi. Iye ali pansi pa mfundo zingapo zofunika.

Kuyamba ndi mfundo za kufunika kutengera miyeso wapadera inshuwalansi kusatetezeka kwawo ndipo kenako allocated gawo la mgwirizano malonda yachilendo kapena ndalama zakunja ngongole, ndiko kuti, lotseguka ndalama udindo umene m'tsogolo kutsimikiza. The njira lomaliza akusankhidwa ndi njira inshuwalansi. Mayiko chizolowezi amapereka njira zofunika zochepa za inshuwalansi chiopsezo: pangano mwagwirizana pakati pa zipani ndi iwowo, makonzedwe mmodzi ndiye amaganiza kapena machitidwe a kampani ya inshuwalansi, komanso ukutitsimikizira boma ndi banki. Ndalama kuopsa ndi inshuwaransi ndi imodzi mwa njira imeneyi, malinga ndi zifukwa zingapo. Dziko mchitidwe inshuwalansi kwathunthu amasonyeza kusintha mu dongosolo ndalama ndi chuma dziko lonse.