Izimali, Amabhange
Ulwazi ngezimali: imisebenzi Ikhredithi ngamabhange
Nge inguqulelo waseRussia ukuba uhlelo emakethe usebhekene izinguquko ezinkulu komkhakha wamabhange.
Omunye izinto eyinhloko yebhizinisi kukhona credit nokusebenza ngamabhange. Bayisibonelo umthombo inzuzo. Zonke imali kwasakazwa izingxenye ezimbili: omunye wabo e reserve izimali, ezinye - ku ekukhokhweni izinzuzo kulabo nesabelo sikhungo.
Credit nokusebenza ngamabhange - irherho elihle letjhebiswano phakathi ayemkweleta (e ubuso okuyinto kuphuma isikhungo sezezimali) kanye umboleki (ngamanye amagama - okweletayo). At inhliziyo lo msebenzi ukunikeza ebhange ethile izimali kokubili umuntu ngokomthetho futhi ibe ngokwemvelo. Ngesikhathi esifanayo kufanele kugcinwe izimo elandelayo:
- Paid. Inani edingekayo (credit) ekhishwe neze mahhala. Obolekayo ubophekile ukuba bakhokhe iphesenti ezithile ebhange.
Ngakho-ke, obuyisela loan, uyobe unikeza isamba okukhulu kunalokhu elithole imalimboleko yezezimali. - Ukuphuthuma. Yonke imisebenzi Ikhredithi ngamabhange babe imigomo yabo. Endabeni ka ukwephulwa bona kuzosetshenziswa ukuba izinhlawulo.
- Reflexivity. Izipho namuhla akukuniki ubani. Ngakho-ke, ezitholakale ngesikhathi kusho ukuthi uyobuyela ngemva kwenkathi isethi yesikhathi.
Izinhlobo ngamabhange 'abolekise imisebenzi
Yonke imisebenzi Ikhredithi ngamabhange babe ngezigaba zabo. Lowo oyinhloko uwukwenza ukwehlukana imisebenzi kuye udumo tesifundvo:
- kungaba imisebenzi asebenzayo - uhlelo ezinjalo isinyathelo lapho ibhange wenza igama yomuntu obolekisayo. It is ukusebenza kaningi ngendlela ukubolekisa kanye namagranti;
- imisebenzi Passive - uhlelo ukuheha ngemali evela kumakhasimende noma kwamanye amabhange. isikhungo lwezezimali kulokhu kuyoba umboleki. IBhange amukela izimali ngoba yonke imigomo efanayo buyiselo (uthola imali yakho emuva), wokuphuthuma (isikhathi owavule idiphozi) nokukhokhwa.
Okungukuthi, nayo ngeke, futhi ibhange izokukhokhela isithakazelo.
Ngokusho samuntu wonke manipulations credit zihlukaniswe zibe:
- ukubolekisa;
- imali.
Zikhona nezinye izinhlobo ezimbili ubudlelwane yemali ebhange. Ukubolekwa kwemali kungaba:
- Okuqondile. Kuleli fomu, ungakwazi ukukhuluma uma ikhasimende ekuqaleni esayina inkontileka ne ibhange for ethile.
- Ongaqondile. Muva nje, uhlobo okwandile commercial wesikweletu, lapho ubuso izifundo amabhizinisi. Esibhaliwe lobu buhlobo e ngesimo promissory amanothi. Uma kukhona ukungaboni ngaso linye, umbolekisi unelungelo eligcwele ukuze uthumele libolekwe ejensi ebhange.
Angabonelela credit nokusebenza ngamabhange ngokusebenzisa akhawunti ekhethekile. Ziyakwazi:
- ukuze 1st - fixed lonke ulwazi mayelana nabantu babelinikezwe loan;
- ukuze 2nd - uwalungise wonke ulwazi mayelana imigomo obolekisayo.
uhlelo ezinjalo yerekhodi nokulawula evumela imisebenzi abanekhono zezimali, ukukhomba defaulters futhi zisebenza izinhlawulo. Ngokusekelwe kulezi akhawunti, wakha umlando Ikhredithi umboleki.
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