Chiopsezo ngongole: njira ziyenera ndi njira kuchepetsa

Pogwirira ntchito limodzi ndi mabanki, zimakhala anakumana ndi mawu monga ngongole chiopsezo. Ndi chiyani icho? Kunena mwachidule, tikhoza kunena kuti ngongole chiopsezo - Mwina kuti counterparty (kapena ngongole) kukwaniritsa udindo wake zotchulidwa mu mgwirizano. Kuti ndi chiopsezo cha kusakhulupirika kwa ngongole kapena counterparty. Choyamba, onyamula ngongole chiopsezo ndi mitundu ya wotuluka zotsatirazi:

• Direct ndi mosadziwika kukongoza.
• Purchase ndi kugulitsa katundu popanda malipiro a counterparty lapansi.
• Kupeleka popanda ukutitsimikizira malipiro kuchokera lachitatu maphwando.

Mawu mavuto monga Mwina kuwonongeka kwa wokongolayo. Ndipo sikuti kuwonongeka kwa zinthu ndalama. N'kofunika zinthu awa: kuchepetsa udindo wa kampani m'chigawochi, kusowa kufunika kwa makampani, kuwonongeka chokomera , etc. Icho chiri chonse chimene chingalepheretse munthu kulipira ndalama. Komabe, kulephera kubwerera ngongole - si imfa yokha kuti banki amavutika. Mawu chiopsezo akhoza kukhala mozungulira (mwachitsanzo, ngati chifukwa cha zinthu zina yafupika mtengo wa masheya, magawo, zolemba promissory, kapena mukufuna kuwonjezera buku la nkhokwe ngongole).

Mu ndondomeko kudziŵa ngongole chiopsezo, chidwi wapatsidwa zifukwa zosiyanasiyana:

• chiopsezo ofikira. N'zotheka kuti ndi wobwereka nthawi zina mudzakhala mu mkhalidwe insolvency.
• Mawu mlingo. Lowunikira cha kudalirika kwa masheya zosiyanasiyana.
• Mawu kusamuka. Mwina kusintha ngongole mlingo wa ngongole, ntchito, counterparty, issuer.
• Kuchuluka kuti wadwala ngongole chiopsezo.
• Mlingo wa imfa imene akhoza kulekerera banki vuto la zotsatira.

Khalani limasonyeza kuti mwamtheradi wotuluka onse, chifukwa cha zomwe chipani kulowa ubwenzi wokongoza ndi wobwereka, zikamera wa ngongole, kunyamula kuchuluka kwa chiopsezo. Pali mfundo otchedwa ndalama chiopsezo wopanda - mu nkhani iyi, ndi ngongole chiopsezo ndi kochepa ndipo conventionally unatenga ziro. Komabe, ngakhale mu mkhalidwe umenewu ndi pano. Ndipo ayenera n'komwe.

Mawu chiopsezo - ndi banki ayenera kuganizira mu malo oyamba tikaonetsetsa ntchito inayake. Muyenera kuganizira za ngongole mbiri operekedwa ndi wobwereka, wa ntchito bambo ake ndi mfundo zonse zilipo. Wokha ndi zochita za kuopsa ngongole ziyenera kuperekedwa mwa akatswiri oyenerera, chifukwa malo kumene miscalculation pang'ono kungachititse zomvetsa yaikulu.

ngongole banki ndi chiopsezo akhoza sanamvere. Njira chikhalidwe - kutenga lonjezo. Chuma chamtengo wapatali ndi abwino ngati bwino, madzi katundu. Mu nkhani ya imfa ya ina, njira zothandiza kwambiri kuchepetsa ngongole chiopsezo ndi inshuwalansi. Komanso, mabanki ambiri mu ntchito yawo ayamba dongosolo Kuchepetsa (makasitomala a gulu lililonse osati akubwereketsa kuposa wina kuchuluka).

Kumbukirani kuti ziyenera woyenera wa ngozi ngongole adzalola kukhala wolimba ndi Musataye ndalama ngakhale destabilized zinthu zachuma.