Izindaba UmphakathiUmnotho

Refinancing - yilesi isisekelo sesimiso somthetho wemakethe okwenza imali credit

Omunye izinkomba ebaluleke kakhulu yasebhange zezimali iyisimo nemithombo yawo. Izinga eliphezulu le nkomba kusho ukuthi isikhungo sezezimali uyakwazi ukukhokha izikweletu zalo, kokubili nezikhathi zamanje nezesikhathi esizayo. Lapho impahla ibe yimali, futhi kungakho solvency ebhange uwela, kufanele refinance. Lokhu kusho ukuthi uMbuso Central Bank kufanele ukwaba izimali ezongeziwe ngokuhlanganyela zimali abanentshisekelo.

Kubaluleka lwezezimali System kokuqina

Inhloso yimuphi yasebhange central - yisikhathi ukuphawula igebe isikhathi zezimali yebhange, sihlaziye, futhi uma kudingeka, ukuthola izindlela ukuqeda ke. Refinancing - kuyinqubo elikuvumela ukuba:

  1. Kucinisekisa inchubekela embili ye izinkokhelo emnothweni kazwelonke ngezithukuthuku nokuqinisa ukuthi impahla ibe yimali ngayinye yasebhange ngabanye.
  2. Ukuqapha isimo emakethe yemali ngokubeka zenzalo.

Noma kunjalo, kubalulekile ukuqonda ukuthi refinancing - lokhu akukona umthombo unomphela izimali ezongeziwe yisikhungo sezinhlangano eziphambili zezezimali. Ibhange emaphakathi akanandaba ukusekela isikhungo elinezinkathazo zezimali njalo. Ngakho-ke, iyiphi ebhange kumelwe sifune imali eyengeziwe amakhasimende amasha kanye bamasheya.

izimiso eziyisisekelo refinancing ezinhle

Ukuqinisekisa ukuzinza kohlelo malini ukudlala lo State Central Bank ngo nokuhlinzekwa izimali ezongeziwe nezinye izinhlangano zezimali kufanele aqondiswe iinjamiso ezilandelako:

  • A umkhawulo kusengaphambili futhi obolekisayo.
  • Refinancing amabhange kumele uhambisane inqubomgomo yemali yokutholwa.
  • Kudingeka isikhungo sezezimali akumelwe unezikweletu ukuba Central Bank futhi bakwazi esikhathini esizayo ukukhokha loan.
  • Ukutholakala ilungiselelo onokwethenjelwa imali eyengeziwe.
  • Nobukhulu obufanele loan elihambisana ukubaluleka kwengosi kuba izibambiso.
  • Izinga refinancing akukwazi ngaphansana isaphulelo.

izinhlobo ukubolekisa

Refinancing - lena amathuba eledlule ye amabhange kakhulu. IBhange yesikhalazo lapho zonke ezinye izindlela zokuthola izimali khulula isiphelile, futhi izikweletu amakhasimende namanje. Kunezinhlobo ezimbili eziyisisekelo ukubolekisa: zokulawula neziqondile. Eyokuqala zingamathuluzi unomphela zezimali zisetshenziselwa ukuqapha isimo kwimakethe. credits Specific zisetshenziselwa usimamise isimo ukungabikho impahla ibe yimali emabhange ezithile. Central Bank lokulawula emakethe nakho kungase repos esetshenziswa futhi Swaps.

Lo mshini ukusebenza

Refinancing - lokhu kuyinqubo lapho simi ngale ndlela:

  1. Ibhange enenkinga solvency.
  2. CB ihlaziya isimo futhi wenza isinqumo sokuba unike loan, isibonelo, a $ 10 million ngonyaka.
  3. yasebhange Commercial ukunika imali onecala amakhasimende abo ngaphansi iphesenti ephakeme kunaleyo izinga refinancing.
  4. Lapho ukuphelelwa isikhathi sibuyisela 10 million Bank of premium.
  5. Okubangelwa lo msebenzi kuthiwa reallocated imali futhi sithuthukise solvency yebhange.

CB akusebenzi ngqo sabantu, njengoba uthando kulokhu kuzodingeka ukuqapha izigidi ababoleka encane. Ngakho-ke, ngamabhange isinyathelo abaxhumanisi phakathi kwabo nabantu abavamile.

izinga refinancing

Ngokusho zoMthetho Federal "On the Central Bank of the Russian Federation", Central Bank ungahlinzekela izimali ezongeziwe kwenkathi ethile repayable credit izikhungo ukuba ixazulule izinkinga zabo zezimali. Izinga refinancing - ithuluzi lapho zilawula inzalo imali kanye loans. ukwehla wayo kuyazuzisa ababoleka, kuyilapho zimali ulahlekelwe ingxenye imali yabo. Refinancing wenziwa endaweni uzimisele noma akhethwa okusekelwe izindlela emakethe izinga.

edamu amaphesenti

Kuze 2010, inani eliphezulu, okuyinto libhekwa njengenkondlo izindleko, elingana nenani elandelayo: refinancing izinga * 1.1. Manje Isici sesibili singezelelwe 1.8 ukuze Rouble kwemali. Uma omunye izinkomba ngesikhathi credit yesivumelwano kumele kwenziwe ukukhokha double. Ngokuphathelene izivumelwano nge izimali zakwamanye amazwe, kukhona izinga refinancing alisetshenziswa. Izinga esiphezulu engase ibhekwe ukugeleza rate - 15%.

Izindawo kwesicelo kanye nomthelela

Refinancing amabhange ngesilinganiso ezithile Russian Federation kunemtselela hhayi bona kuphela izikhungo zezimali kanye credit, kodwa futhi phezu isakhamuzi abavamile. Ikakhulukazi, kulezi zimo ezilandelayo:

  1. Isithakazelo engenayo intela ku ezifakwa (ngesikhathi i-RF ikhodi Isilinganiso sentela isethelwe 35% okwedlula lemali ebalwa kusukela ngesilinganiso refinancing).
  2. Ukubalwa izinkokhelo ukubambezeleka imali ekweletwa isisebenzi (kuhlanganise iholidi).
  3. Ukubalwa isithakazelo ku noma yokuqoqa intela (ingenye ezintathu amaphesenti izinga ezimisiwe refinancing).

Inqubo abonge Central Bank of ngamabhange kuyinto Regulator ebalulekile uhlelo lwezimali kahulumeni. It ixhomeke ukuthuthukiswa komnotho, njengoba abantu bavame ukwethemba imithombo yabo amabhange kuphela uma esitebeleni.

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