Un imali-mboleko ehlanganisiweyo Yimodeli yangaphambili enikezelwa liqela lababolekisi okanye amaqumrhu ebhanki, indlela kunye nokubaluleka, unokuyifumana kweli nqaku.
Inkqubo yoququzelelo inokwenziwa ngokuzithandela okanye ukuzibophelela.
Yintoni ikhredithi ehlanganisiweyo?
El imali-mboleko ehlanganisiweyo yindlela iinkampani ezifumana ngayo imali-mboleko yangaphandle ngamatyala; Umahluko phakathi kweemali-mboleko zomntu kunye nekhredithi ehlanganisiweyo ukhona.Umahluko phakathi kwazo bubungakanani bemali-mboleko, apho kufuneka yohlulwe phakathi kwamaqumrhu amaninzi ebhanki.
Rhoqo, xa amaqumrhu ebhanki anemida ngokumalunga noko anokuboleka umbutho ngexesha elithile, ngenxa yokwahluka okungaphephekiyo kwimingcipheko yabo yomthambo. Xa kuvela imeko apho inkampani icela isixa-mali esingaphezu kwento enokuthi ibonelelwe yibhanki, kulapho imali-mboleko ehlanganisiweyo inokusekwa khona.
La maqumrhu emali anenjongo yokufumana izibonelelo kwixesha elifutshane neliphakathi kwaye ngaloo ndlela abonelele ngezisombululo kwiingxaki zemali zamaqela anomdla kunye nezinye iindlela zokutyala ngetyala.
Mfundi othandekayo, sikumema ngokufudumeleyo ukuba ufunde inqaku lethu Iikhredithi zebhanki. kwaye ungene nzulu kwiimeko zebhanki.
Iindidi
Kukho iintlobo ezininzi zeemali-mboleko ezidityanisiweyo ezichazwe ngezantsi: imali-mboleko yemveli, yimali-mboleko eqhelekileyo apho amaqumrhu ebhanki alamla; Imali-mboleko ehlanganisiweyo yamazwe amabini, luhlobo apho kukho iqumrhu lemali elinye kuphela.
Isivumelwano seklabhu, le ndlela iveliswa ngenqanaba elinye, izalisekisa zonke iindlela zokubolekwa kwemali yemveli. Imali-mboleko ecwangcisiweyo, zezo mboleko zilawulwa rhoqo ukunciphisa izinga lenzala okanye iindleko ezihlawulwe ngumtyali kwaye zibe nendalo yexesha elide.
Emva koko, iindlela ezizezinye zemali zidla ngokudityaniswa (ukuthengiswa kwenketho yokufowuna okanye inketho yokubeka) ukuze xa ujoyina loo ntlawulo iyancipha. Ixabiso lemali-mboleko, lihlala liyeka imiba ethile ewela ngaphakathi kwendawo yokubuyisela kwangaphambili ngumboleki, inkampani yemida ephantsi okanye ephezulu, phakathi kwabanye.
mboleko yebhulorho, Olu didi lwenkqubela phambili luphathwa okwexeshana ngokwemiqathango yabathengi abayicelayo, kwiimeko ezininzi zexesha elifutshane, njengemfuneko yemali mboleko ukuze kuxhamle enye inkampani apho uvimba kuyimfuneko.
Kwisivumelwano esivunyelweneyo, ngokuqhelekileyo bamisela indlela yokuhlawula umbolekisi, ukuba baqhelekile ukulawula imiba yebhondi, imboleko-mali edityanisiweyo eqhelekileyo, ukuthengiswa kwe-asethi, phakathi kwabanye.
Kufuneka kuqatshelwe ukuba amaqumrhu emali ahlukeneyo anezivumelwano zamazwe ngamazwe apho anotyalo-mali olunokwanelisa uthethathethwano lwawo kwihlabathi jikelele.
Mfundi othandekayo, siyakumema ukuba ulandele eli nqaku umvuzo ohleliyo kunye nengeniso eyahlukileyo kwaye ube nako ukungena nzulu kumxholo wemali.
indlela yokusebenza
Ngexesha apho ifemu idinga imali-mboleko ukuze ikwazi ukuxhasa isicwangciso sotyalo-mali okanye inkqubo, iseka unxibelelwano neebhanki ezahlukeneyo ukucebisa iprojekthi kwaye ijonge iindlela ezinokuthi zisebenzisane ngazo la maqumrhu. Kuyinto eqhelekileyo ukuba amaziko emali abe nomlinganiselo womda onokuthi unikwe nayiphi na inkampani ngexesha elithile.
Oku kuthetha ukuba ifemu yenza isicelo ngaphezu koko kunokuvumela ibhanki, kulapho imali-mboleko ehlanganisiweyo inokusekwa khona. Iqumrhu elisetyenzisiweyo, liza kunika inkampani igunya lokuthengisa isixa phakathi kwamaziko emali aliqela njengababolekisi ukuze baphumeze isixa esipheleleyo esifunwa yifemu.
Umzekelo, kwimeko yokucela i-50 yezigidi ze-Euro, iqumrhu elisetyenzisiweyo linokukhuthaza imibutho yezemali esithoba ukuba ingenelele kwaye ithathe inxaxheba kwimboleko; ibhanki nganye iya kubonelela nge-5 yezigidi zee-Euro, kwaye kunye ne-10 i-cooperatives yokuboleka, i-firm inokufumana i-50.000.000 ye-Euro eceliwe.
Kwilizwe lezemali, eli nyathelo lokudibanisa lisefashonini apho linokubonakaliswa ngokuzithandela okanye lizinikele. Iqumrhu eliqeshiweyo linokukwenza oko ngokuzithandela, ukuphumeza oko umxhasi akuvumayo kodwa ngaphandle koxanduva.
Ngendlela efanayo inokuthi izinikele kwinkampani, kwimeko apho inani lamaqumrhu ebhanki athatha inxaxheba alinakufikelelwa, liya kuhlawulela intsalela yangaphambili.
Ukubaluleka kwemboleko-mali edityanisiweyo
Iimali-mboleko ezihlanganisiweyo zibaluleke kakhulu kuba zibonelela ngeenzuzo ezahlukeneyo ngaphakathi kwendawo yezemali; apho ibonelela ngeenkampani okanye imibutho yoshishino, inkqubela phambili eyahlukileyo ebanzi kakhulu kunalo naliphi na elinye iziko elinokubonelela.
Le mibutho yebhanki ayinakuba ivela kweli lizwe kuphela kodwa naleyo ingaphandle kwesizwe, inamaqhina kunye notyalo-mali ngokufanayo; ngale ndlela yenza kube lula kubo ukwandisa imithombo yabo yemali-mboleko apho ibanika ukuguquguquka okukhulu kunye nobubanzi.
Izinto eziphambili zetyala elihlanganisiweyo kwiibhanki eziqeshiweyo kukuba libavumela ukuba babonelele ngenkqubela phambili kubaxhasi babo, nangona xa iisilingi zabo zomngcipheko ziphelile, umsebenzi wabo njengebhanki ye-arhente ubavumela ukuba baqokelele ikhomishini eyongezelelweyo njengomvelisi wetyala kwaye. ibavumela ukuba bagcine ubudlelwane kunye nomsebenzisi, kuba bubuso obucacileyo kunye nomthengi ngexesha lenkqubo yonke.
Uncedo lwetyala elidityanisiweyo kwiibhanki ezinxibelelana kule nkqubela phambili kukuba ivula amehlo kubathengi abangeke bakonwabele ukufikelela ngokusesikweni ngenxa yokungaqondi kunye noqhagamshelwano, ikwabavumela ukuba babonelele ngenkqubela ngelixa besonyusa imingcipheko yabo kubathengi abohlukeneyo. yaye, kwanakwizizwe ngezizwe, ekubeni umbandela oququzelelayo ungapheleliselwanga kwilizwe elinye.
