Ziva mukati meichi chinyorwa chimwe nechimwe chezvinyorwa zvekushanda kweiyo mari ne asnef uye tsvaga kana inoshanda mukambani yako.
Kubhadhara mari naAsnef
Iyo ndiyo inotarisira kunyoresa mudhatabhesi zvikwereti zvese zvisina kubhadharwa zvevamwe vayo, kuitira kuti masangano ese awane uye azive ruzivo, rwunogoverwa pakati penhengo dzayo.
Ruzivo rwuri mudhatabhesi harutungamirirwe nesangano rimwechete, asi nekambani yakazvimirira inonzi EQUIFAX, yepasi rose muchikamu chekuongorora njodzi yechikwereti, izvo dzimwe nguva zvinokonzeresa kuvhiringidzika, nekuti munhu anogona kufunga kuti kune dhatabhesi mbiri dzakasiyana data, asi iri. kwete.
Kushanda kwechirongwa chemari neAsnef
Vanoshamwaridzana, masangano emari uye akazvimirira, anoshuma kusabhadhara kwavo kuAsnef. Idzi data rinoumbwa nemakambani nemasangano akadai semabhanga, masangano ezvikwereti emari, makambani echikwereti, makambani echibatiso, nharembozha, makambani emafuta, inishuwarenzi yechikwereti, vanodhinda mabhuku uye vanogovera, hofisi otomatiki, vanogovera makadhi, vanofambisa nhare, makambani emagetsi, chikafu. makambani uye chengetedzo uye masangano ekutsinhanisa masheya, pakati pevamwe.
Uye chii chinogona kuva nehunhu hwechikwereti chemari sechikwereti chekutengesa, muzvikamu zvakasiyana. Tevere, tinokusiirai iyi audiovisual material inotsanangura kuti tingaziva sei kana tiri pa Asnef list.
Maererano nezvinotangwa muMutemo, mukwereti asati aiswa mu data, anofanira kuziviswa kuburikidza netsamba mukati memazuva makumi matatu mushure mekukumbira kunyoreswa mu data yekusabhadhara kwake, uko ruzivo uye nhamba yefaira yekubvunza. ruzivo rwechikwereti kuti chigadzirise kana kukumbira kukanzurwa kwayo chero chikonzero. Kana pasina kutaurirana kubva kune ane chikwereti, ichaburitswa muAsnef mushure memazuva makumi mapfumbamwe.
Nzira yekuziva sei kana kambani yangu iri pane Asnef list?
Pane nzira dzakati wandei dzekuziva kana kambani yakaverengerwa muhurongwa hwemari neAsnef:
- Kana ane chikwereti akagamuchira tsamba, unogona kubvunza zvakadzama nezvechikwereti chisina kubhadharwa kuburikidza neichi chinongedzo, zvichiratidza nhamba yereferensi yakataurwa mutsamba.
- Chekupedzisira, nzira isina kurongeka yekuwana data yeAsnef ndeyekukumbira ruzivo kuburikidza nemabhangi akavimbika, kazhinji, ivo vanokuzivisa mahara, kunyangwe paine mukana wekuti havakupe iwo magwaro, sezvo isiri imwe yemasevhisi. vanowanzopa.
Chikumbiro chechikwereti chemakambani ari pachirongwa cheAsnef
Zviri murondedzero kana hukama zvine hwaro hwakakosha uye chinangwa, mhedzisiro yacho kuoma kwekuwana mari kumakambani, zvichipihwa hukama huripo pakati pemasangano pakati pemasangano anobvunza Asnef sechikamu chedanho rekudzidza njodzi uye chokwadi Kutadza kuoneka chinhu chakakosha kuti oparesheni itenderwe.
- Kana chikwereti chinoratidzwa muAsnef chiri chidiki uye chisiri chesangano rezvemari, zvinogoneka kuti mari yemukana irambe ichigoneka, uye uchakwanisa kukumbira chikwereti chitsva pasi pemamiriro akafanana sekunge kambani haina kuoneka list.
- Kana chikwereti chinoonekwa muAsnef uye chiri mari yakakodzera uye/kana chiri chesangano rezvemari, zvinhu zvinowedzera kuoma, asi zvisingaite:
- Promissory note discounting uye factoring: kambani inoramba ichichengetedza mikana yayo yekubhadhara mari nepromissory note discounting uye mutengi factoring, kunyange zvazvo kuburikidza nedunhu risiri rebhangi.
- Kusimbisa: Chero mamiriro ezvinhu ekambani, unogona kugara uchitarisira miripo yako yekusimbisa, sezvo njodzi yechikwereti ichiwira pamutengi wako uye ndiro bhangi rine mutsara wakagoneswa.
Zvisaririra zvezvigadzirwa zvenjodzi zvemari, zvakaita sechikwereti kana mutemo wechikwereti, zvinorambidzwa kana kambani ikabuda parunyorwa rweAsnef, kunze kwekunge iyo kambani inogona kupa vimbiso yekunyungudika.
Ndingakumbira sei kubviswa kubva pane Asnef list?
Pazasi isu tichataura nzira nhatu dzekudzima kubva kuFinancial Credit Institutions runyorwa
- Kubhadhara chikwereti: Ndiko kunonyanya kushanda uye nekukurumidza, kubhadhara chikwereti kunobvisa kubva kune data uye kunotora pakati pe2 ne6 mavhiki. Zvinokurudzirwa kubhadhara chikwereti uye wobva watanga nzira yekukumbira nemukwereti kana chikwereti chisina kunaka.
- Kukwidza kodzero yekudzima chikwereti mu registry kana isiri iyo, uchitevera muenzaniso wakapihwa neSpanish Agency yeData Dziviriro. Zvakakosha kunyora zvakanaka zvikonzero nei chikwereti chichifanira kusanyoreswa.
- Nguva yakatarwa yekugara mu data ndeye 6 makore, saka kunyoreswa kwezvikwereti muAsnef kwakadzimwa, kureva kuti, chikwereti chisina kubhadharwa hachigone kuburitswa muAsnef kweanopfuura makore matanhatu, izvo zvisingareve kunyorerwa zvakafanana.
Kana musika wezvemari ukabata kutarisisa kwako, tinokukoka iwe kuti udzidze zvishoma neiyi inotevera link Investment portfolio
Unogona here kudzima data kubva pane iyi runyorwa usina kubhadhara chikwereti?
Iwo mutemo wekuti chero zvisungo zvakamirira zvisina kubviswa, data rekambani kana remunhu harizobvisirwe kana kubviswa kubva kuAsnef. Sezvataurwa pamusoro apa, chiitiko ichi chinogona kugara kusvika kumakore matanhatu. Mumakore achangopfuura kwave nekutsamira kwakakosha, makambani nevanhu pa6% zvikwereti zvebhangi kuti vazviwanire mari.
Mamiriro ezvinhu aya akachinja zvakanyanya, nekukura kwemamwe masangano emari uye zvigadziriso zvisingafungi nezveAsnef zvekuti nhasi zvinokwanisika kuwana mari zvisinei nekuti inosanganisirwa mune data kana faira.
Zvinotora nguva yakadii kuti Asnef indibvise mufaira rayo rehutsotsi?
Kubvisa iyo data kubva kuAsnef rondedzero inova inokurumidza uye yakapusa. Kudzimwa kwedata rako rekupedzisira kunogona kuve zuva rimwe chete, chero bedzi kubviswa kwechikwereti kuchipupurirwa kana kuti tinosangana nechero yezvinodiwa pamusoro apa. Mukati memwedzi hapafanirwe kuve nerekodhi yekugara kwedu muFinancial Credit Institutions.
Kana ruzivo rwemunhu rukaramba ruchiratidzwa mune mamwe dhata kana mafaera sehutsotsi, isu tinofanirwa kukumbira kubviswa kwechimwe nechimwe chazvo, kunyangwe iri kambani inotora chikwereti, iyo inotarisira kukumbira kubviswa kwedata.
Ziva kuti sei uchigona kunyimwa mari
Kushaikwa kwemari ndicho chipingamupinyi chikuru kune vazhinji vemabhizinesi nevazvinabhizinesi, saka, zvakajairika kuti iwe uzvishamise kuti sei vachikuramba rutsigiro rwemari kana uchinge wakumbira.
Zvikonzero zvakasiyana-siyana, asi mwero wengozi chinhu chakakosha; Masangano emari anoongorora chimiro chemunyoreri uye solvency, zvichienderana neruzivo rwemari rwakapihwa.
Nhasi zvakanyanya kuoma uye zvinoda, nekuti mabhangi anoisa zvinoomesesa zvinodiwa kupa zvikwereti. Izvi zvinotyora hurongwa hwechinyakare hwaitsigira makambani uye chiyero chekuvimbika chakachengetwa.