Mlingo kuchotsera monga chizindikiro kusanthula mapulani ndalama

Kuchita mtundu uliwonse wa ntchito N'zosatheka kukhazikitsa ndi kusanthula mokwanira ndalama zomwe zikuphatikizapo ndalama mapulani, akukonzekera ntchito ya m'tsogolo ndipo panopa ntchito ziyenera. M'menemo kusanthula iliyonse ya magawo amenewa limodzi ndi pamaso pa chizindikiro monga mlingo kuchotsera. Choncho, ndi apamwamba chiopsezo ntchito yopitilira, apamwamba zoyembezereka za ndalama ndi eni likulu, ndi apamwamba zofunika kuti mawerengedwe zolondola ndi bwino kufunika utuluke ndalama. Kuti kusanthula ndalama mtsogolo pa nkhani ya magwero ndalama sikutha discounting. Maziko a ntchito imeneyi kupanga enieni deta mawunikidwe.

Kuchepetsa kusiyana pakati pa anakonza zizindikiro m'tsogolo ndipo tsogolo lawo deta enieni ayenera kugwiritsidwa ntchito moyenera kuwerengera ndalama magawo (revenues, ndalama), likulu dongosolo, utuluke ndalama, chofunika kuganizira kufunika yotsalira katundu alipo ndipo, ndithudi, mlingo kuchotsera (omwe ali mlingo kuchotsera).

Nambala yamasika amadziwika ophunzira anapereka mtengo awo likulu kupanga. mlingo umadalira pa msika chiwongola dzanja, komanso mfundo zawo, maluso ndi zolinga. mlingo kuchotsera limasonyeza kuti msinkhu zolandirika profitability kuti Investor pa ruble ya padera likulu, chomwe chingathe kukhala mwa kusunga zina zochepa yowopsa yotereyi.

Pakuti kumvetsa bwino, tikhoza kunena mosavuta. Mwachitsanzo, patatha zaka 5, munthu akufuna kulandira makonzedwe mayunitsi ndalama 10,000. mlingo kuchotsera ntchito kudziwa kuchuluka pamafunika kuti aganyali kupanga chala kapena kutaya ndalama m'tsogolo. Choncho, zimakwana ali ndi chikoka chachikulu pa chisankho cha polojekiti ndalama.

Komanso, chizindikiro ntchito m'magulu onse ndi mafakitale. Ndipo cholinga cha izo - osati nthawi zonse makonzedwe ndalama. Komanso limafotokoza ntchito za bungwe lirilonse. mlingo kuchotsera n'kofunika mu kusanthula mtengo wa ndalama, komanso ngati mitundu yonse ya ndalama okwana pa kukonzekera ntchito.

Komanso ndi kusanthula ndalama inflows, pa kayendetsedwe ka gulu lirilonse ali ndi mwayi kusankha wamng'ono mtengo akafuna kupanga kapena yopindulitsa kwambiri. Onse amalola kudziwa chimodzimodzi mlingo kuchotsera. Chilinganizo kuthandiza kuwerengera kukula kwa chizindikiro, muli chiwerengero chachikulu cha magawo osiyanasiyana monga:

- chiwongola dzanja (anapereka mwini likulu ngongole);

- mlingo ndalama (mlingo wa kubwerera, amene anaika pa chilungamo);

- mlingo wa kufufuma ;

- pa refinancing mlingo;

- Katswiri kuwunika;

- pa zolemeletsedwa pafupifupi mtengo wa likulu , etc.

mlingo kuchotsera zingadziŵike mwa mawu awa:

R = RF + (Rmax + Rmin) / 2 + S, kumene

R - motero, mlingo kuchotsera;

RF - chiopsezo wopanda ndalama;

Rmax, Rmin - pazipita ndi osachepera premiums chiopsezo;

S - Kukambirana za kuopsa samalandira ndalama kuyembekezera.

ntchito chiopsezo wopanda zimapezeka kokha zilizonse za chuma. Ndipo awa sali panopa kulibe. Koma pali kuchuluka yaikulu ndalama ntchito kusanthula njira, mmodzi amene pali njira kusintha mlingo kuchotsera.