Uyini credit yesikhathi esifushane amabhizinisi?

loan esifushane - sinikezwa ebhange isikhathi esifushane inani lemali, okuyinto ekhishwe ku ngokuya ukuvuthwa, inkokhelo kanye ukubuyiswa kwemali. Njengomthetho, izinkontileka kanye ababoleka ebekiwe isikhathi udinga imali ebolekiwe, futhi inani lenzalo nemibandela abolekise okudayisa zehluke nemigomo yeNhlangano amabhange kanye labantu. Okwamanje, ukubolekisa yasebhange yesikhathi esifushane okuhloswe ngazo izinkampani ukusiza ngeemali, ihlukaniswe ukubolekisa yesikhathi esisodwa, imali abolekise ngesimo non-ivuselelwe noma ezikhanyisayo wesikweletu.

Idiphozi: Izinkampani ezizimele ungathola short-term loan kwezohwebo, ukuhlinzeka yasebhange isikhungo njengoba izimpahla eseduze ketshezi, ukudayiswa okuyinto esimweni yokungakhokhi imali ethathwe umbolekisi uzisibekele lemali ekweletwa ebhange. Ngenxa yisibambiso inkampani zingasebenzisa zokuhlala noma commercial ingcebo, izimoto kanye nezwe, imishini ezikhethekile kanye nemishini zenziwa ukufaka imali imikhiqizo kwegazi.

Overdraft: Umgwaqo ohlongozwayo Amahhovisi yasebhange overdraft - loan yesikhathi esifushane esikhishwe amabhizinisi ukumboza ukuntuleka yesikhashana ukusetshenziswa by inhlokodolobha ukusebenza lwemali kazwelonke ekukholelweni ngokuqinile ukufeza izibalo zamanje. Okwamanje, overdraft wenziwa usebenzisa imibhalo nokukhokhwa inkokhelo engaphezu izinsalela izimali ku-akhawunti samanje inkampani, ngaphakathi lemali ekuqaleni bavumelana. Futhi overdraft is phindisela ngezithukuthuku izimali etholwe akhawunti samanje ibhizinisi iklayenti.

Overdraft bangalindela izinkampani yentengiso singenabala credit umlando. I umqondo ezihlukahlukene loan short-term kuyinto isikhungo sezezimali ukuthi yakha bikho yokukhokha ku-akhawunti ye-kuwufanele ibhizinisi-ikhasimende esimweni lapho ama-akhawunti zamanje zenhlangano imali engaphansi kuka ezidingekayo ukwenza inkokhelo. Ngaphezu kwalokho, isikhungo izimali zezimali ukuya ngqo ku-akhawunti yamanje ye-umamukeli, igama okuyinto elicacisiwe imibhalo ukukhokhelwa, hhayi ku-akhawunti lenkampani, okuyinto client of ibhange.

Ukukwenza ngokuvamile ahlengwe ngendlela othomathikhi uma izimali kuthiwa ivela akhawunti iklayenti, futhi imigomo enjalo abolekise izinhlobo ngokucacile engamiswanga izinkontileka elisayinwe umboleki kanye yomuntu obolekisayo. Njengomthetho, isevisi overdraft kusekelwe ubuhlobo ukwethembana phakathi inkampani iklayenti kanye ummeleli ebhange, ngakho lo muntu obolekayo akudingekile ukuba akhiphe izivumelwano loan isikhathi ngasinye lapho inkampani sintula izimali.

Ukubolekwa kwemali ngenxa kokusebenza: Amankampani yesikhathi esifushane credit kwenziwa isikhathi ngezimali ngokugcwele emisebenzini yebhizinisi eqhubekayo. Ngokusebenzisa loans kungase kube ukuthengwa izinto zokusetshenziswa, tintfo letitinhlobonhlobo ukukhiqiza imikhiqizo siphelile, ukuthenga wholesale zonke izinhlobo zezimpahla, injongo okuyinto kabusha kamuva.

Umngcele wesikweletu: Ngokuvamile yesikhathi esifushane nguye ofanelwe udumo ngenxa izinhlangano commercial ikhishwa ngokuvula nomugqa wekhredithi. Kulokhu, imali ikhishelwe iklayenti ngesimo tranches ngabanye phezu kwesikhathi esithile isikhathi, ngaphakathi umkhawulo ekuqaleni elicacisiwe inkontileka, ngenkathi beqhuba izingxoxo ezengeziwe ekhethekile ziyadingeka.

Non-ezijikelezayo wesikweletu - uhlobo evuma, lapho efakwe ngaphakathi commercial yasebhange isikhungo, inhlangano uthola tranches nomkhawulo ngoba nemali ethile kusengaphambili lelipelwe e inkontileka. Endabeni umugqa ezijikelezayo lenkampani Iklayenti uthola imali tranche, futhi ngemva ulindele ukubuyiselwa yona iphelele kungenzeka ukuthola imali ebolekiswayo entsha imali ngaphakathi umkhawulo osungulwe futhi ku nemigomo esethwe ku nesivumelwano sokubolekwa.