Un syndicated loan Iyo modhi yekumberi inopihwa neboka revakweretesi kana masangano emabhangi, michina uye kukosha, unogona kuzviwana mune ino chinyorwa.
Nzira yekuronga inogona kuve yekuzvidira kana kuzvipira.
Chii chinonzi syndicated credit?
El syndicated loan inzira iyo makambani anowana nayo zvikwereti zvekunze kuburikidza nechikwereti; Musiyano uripo pakati pezvikwereti zvemunhu nezvikwereti zvakabatanidzwa.
Nguva zhinji, kana masangano emabhangi aine miganhu maererano nezvaanogona kukweretesa kumubatanidzwa panguva yakatarwa, nekuda kwekusiyana kusingadzivisike kwenjodzi dzavo dzekushandisa. Kana nyaya yamuka apo kambani iri kukumbira mari iri pamusoro peinogona kupihwa nebhangi, ndipo panogona kuisirwa chikwereti chakabatanidzwa.
Aya masangano emari ane chinangwa chekuwana mabhenefiti munguva pfupi uye yepakati uye nekudaro anopa mhinduro kumatambudziko emari evanofarira uye mamwe maredhiti.
Mudiwa muverengi, tinokukokai nerudo kuti uverenge chinyorwa chedu pamusoro Zvikwereti zvebhangi. uye kuongorora mamiriro emabhangi.
Mhando
Pane misiyano mizhinji yezvikwereti zvakabatanidzwa zvinotsanangurwa pazasi: chikwereti chekare, ndicho chikwereti chenguva dzose apo masangano akawanda emabhanga anoyananisa; bilateral syndicated loan, imhando uko kune imwe chete yezvemari institution.
Chibvumirano cheClub, iyi modhi inogadzirwa kuburikidza nechikamu chimwe chete, ichizadzisa nzira dzese dzechinyakare dzakabatanidzwa chikwereti. Chikwereti chakarongwa, ndezviya zvinofambiswa nguva nenguva kuderedza mubereko kana mutengo unobhadharwa nemukwereti uye kuve nehunhu hwenguva refu.
Zvadaro, dzimwe nzira dzemari dzinowanzobatanidzwa (kutengesa kwesarudzo yekufona kana sarudzo yekuisa) kuitira kuti kana uchijoinha iyo premium inoderedzwa. Kukosha kwechikwereti, kugara uchisiya zvimwe zvinhu zvinowira mukati mechikamu chekubhadharwa kwekutanga nemukwereti, kambani yediki kana yakanyanya miganho, pakati pezvimwe.
chikwereti chebhiriji, Aya marudzi ekufambira mberi anobatwa kwenguva pfupi nemamiriro evatengi vanoakumbira, kazhinji kazhinji kwenguva pfupi, sekuda kwechikwereti kuti chibatsirwe neimwe kambani uko chengetedzo ichidikanwa.
Muchibvumirano chakabvumiranwa, vanowanzo gadzira nzira yekubhadhara nemukweretesi, vachijairwa kugadzirisa nyaya dzebhondi, chikwereti chakajairwa, kutengesa midziyo, pakati pezvimwe.
Zvinofanira kucherechedzwa kuti masangano emari akasiyana ane zvibvumirano zvepasi rose umo vane mari inokwanisa kugutsa nhaurirano dzavo pasi rose.
Muverengi anodiwa, tinokukoka kuti utevere chinyorwa mari yakatarwa uye zviyero uye kukwanisa kuzama zvakadzama munyaya yezvemari.
kushanda nzira
Panguva iyo kambani inoda chikwereti kuti ikwanise kupa rubatsiro kuhurongwa hwekudyara kana chirongwa, inomisikidza kuonana nemabhanga akasiyana kuti vape chirongwa ichi uye vaone nzira dzingashandiswe nemasangano aya. Zvakajairika kuti masangano ezvemari ave nechivharo pamuganho unogona kupihwa kune chero kambani panguva yakatarwa.
Izvi zvinoreva kuti femu iri kuita chikumbiro pamusoro pezvinogona kubvumidzwa nebhangi, apa ndipo panogona kuisirwa chikwereti chakabatanidzwa. Sangano rinoshandiswa, rinopa kambani simba rekubatanidza huwandu pakati pemasangano emari akati wandei sevakweretesi kuti vakwanise kuwana huwandu hwese huri kudiwa nefemu.
Semuenzaniso, munyaya yekukumbira 50 mamiriyoni eEuro, sangano rinoshandiswa rinogona kukurudzira masangano mapfumbamwe emari kuti apindire uye atore chikamu muchikwereti; rimwe nerimwe rebhanga richapa mamiriyoni mashanu emaEuro, uye nemakorasi gumi ekukweretesa, femu inogona kuwana 5 Euros yayakakumbira.
Munyika yezvemari, iyi nhanho yekubatanidza ndeye fashoni uko inogona kuratidzwa nekuzvidira kana kuzvipira. Sangano rinoshandirwa rinogona kuita izvi nokuzvidira, kuti riwane izvo zvinobvumirwa nemutengi asi pasina mhosva.
Nenzira imwechete iyo inogona kuzvipira kukambani, muchiitiko chekuti nhamba yemasangano emabhangi anotora chikamu haakwanise kusvika, inovhara zvakasara zvemberi.
Kukosha kwechikwereti chakabatanidzwa
Zvikwereti zvakabatanidzwa zvine basa zvakanyanya nekuti zvinopa mabhenefiti akasiyana mukati mendima yemari; uko kunopa makambani kana masangano ebhizinesi, kufambira mberi kwakasiyana kwakakura kupfuura chero chimwe mubatanidzwa chinogona kupa.
Masangano emabhanga aya haangobvi munyika chete asi kunyange neaya ari kunze kwenyika, ane hukama nekudyara zvakafanana; Nenzira iyi, zvinoita kuti zvive nyore kwavari kuti vawedzere mari yavo yekukwereta apo inovapa kushanduka kukuru uye hupamhi.
Izvo zvinonyanya kukosha zvechikwereti chakabatanidzwa kumabhanga anoshandiswa ndezvekuti zvinovatendera kupa kumberi kune vatengi vavo, kunyangwe kana njodzi yavo yasvika pakupera, basa ravo sebhangi remumiririri rinovabvumira kutora imwe komisheni semugadziri we chikwereti uye inovabvumira kuchengetedza hukama nemushandisi, sezvo chiri chiso chakajeka nemutengi panguva yese yekuita.
Mabhenefiti echikwereti chakabatanidzwa kumabhanga anodyidzana mukufambira mberi uku ndechekuti inovhura maziso evatengi vasingafarire kuwana mukana nekuda kwekushaikwa kwekunzwisisa uye kuonana, zvakare inovabvumira kupa kufambira mberi vachiwedzera njodzi dzavo kune vatengi vakasiyana. uye, kunyange , kumarudzi akasiyana-siyana, sezvo nhau yokuronga isingaganhurirwi kunyika imwe.
