Ndi sheya ngongole chiyani?

Kwa amalonda ambiri, sheya ndi chida chabwino kulera ndalama zofunika chitukuko ntchito. Njira imeneyi sankakhala zachuma ndi kuchita mwakhama ano, monga matanthauzo opindulitsa kwa maphwando kwa iwowo.

Poganizira ngati chida chuma ambiri, akhoza umaimiridwa ndi mitundu ikuluikulu iwiri: ngongole ndi sheya chilungamo. Masheya a mtundu woyamba Ndipotu, ndi ubale ngongole. Ndiko kuti, Investor amapeza chikalata amapereka ufulu patapita nthawi ya nthawi kuitanitsa obwezeredwa kuchuluka adayikidwa ndi chidwi. Lopita mtundu wa masheya ndi zopereka kwa gawo likulu la kampani kapena bungwe. Mu nkhani iyi, Investor tizidalira yodalirika, zomwe zingasiyane malingana ndi kuchuluka kwa phindu ndi chiwerengero cha mafuko. Munjira ina ya Investor amakhala mwiniwake wa kampaniyo.

Mu msika katundu wa dziko lathu ndi kutembenukira makamaka sheya ngongole monga msinga ndi zolemba. Ndipo akhonza kumupatsa kumangidwa, matupi boma ndi ufulu wodzilamulira mabungwe alamulo. Kumene, sheya boma ndi mu ankafuna mkulu, monga iwo amaonedwa odalirika kwambiri. Ngati ife kulankhula za pafupipafupi, nsinga ndi yaitali, kuti ndi kupezeka kwa chaka chimodzi kwambiri.

Tinganene, pa atapita sheya ngongole ku issuer, amene nawonso, anapereka mtengo mwadzina la bukuli, komanso kuchuluka owonjezera phindu ngati malipiro chidwi ngongole ya. Pambuyo kuthetsa komaliza ndi ngongole mgwirizano pakati pa a issuer ndi Investor kutsazikana monga udindo tonse zipani kwathunthu anaphedwa. Komanso, n'zotheka kuonetsetsa sheya ngongole ndi amodzi ndi akuyandama mlingo coupon, imene ikuimira chidwi kuchuluka sonyezani kwa Investor ntchito likulu lake. Amodzi mlingo zikutanthauza kuti yochepa Investor adzalandira kuchuluka chifukwa pasadakhale. Ndipo pamene akuyandama kuchuluka coupon mlingo wayikidwa akhale ndi nthawi yochepa (mwachitsanzo, miyezi itatu kapena miyezi isanu), kenako atatembenuzidwa kachiwiri.

sheya ngongole amaonedwa kuti ndi njira zofala chuma ngongole, chifukwa kuchotsa kufunika kutsatira mabungwe ngongole, kuti apereke ngongole. Izi ndi zoona makamaka kwa makampani amene ali kale ndi ngongole kubanki, ndi amalonda wamng'ono. Investor ngati ndalama si zochepa yabwino, chifukwa amatha kusankha zinthu zabwino kwambiri kwa iye, chodalira osati pa mlingo chidwi ndi akuti, komanso mlingo wa liquidity, profitability ndi digiri ya riskiness zimene zikhoza kuchitika pamene inu kutsegula akaunti gawo. Komanso, anthu a mabizinezi ambiri sakhulupirira dongosolo banki ano, kuganizira mofatsa insufficiently odalirika. Pankhaniyi, iwo pakuika ndalama zilipo mu nsinga boma, lomwe ndi sheya koposa madzi, chifukwa amachita ngati guarantor ya boma lokha.