Opaleshoni ndalama ku ntchito ya banki

Opaleshoni ndalama zikuphatikizapo ndalama kuchokera kugulitsa katundu wa bungwe kapena katundu wake, ndalama analandira kuchokera kugwilira limodzi ndi makampani ena, komanso ndalama chidwi kwa ndalama ya likulu. Kupatulapo ali pamene ndalama imatengedwa kuti ndi ntchito yaikulu ya nkhaniyi.

Mu banki ntchito ntchito ndalama zambiri amabwera kugwira ntchito yeniyeni. Mwachitsanzo, ndalama chidwi kuti ndi malipiro opereka ngongole kapena ngongole kwa anthu kapena mabungwe alamulo, komanso ngongole yapakati-gombe. Kuti revenues zinthu monga ndalama kuti milandu banki ngati malipiro kakang'ono ndondomeko ya kutsegula kapena kutseka nkhaniyi, kasamalidwe ake. Musaiwale kuti ngongole mabungwe zikugwira ntchito kufunsira, ndipo ena a iwo nthaŵi ndithu mwachangu kubwereketsa, kukhulupirirana ndi factoring ntchito, phindu kwa amene ali m'gulu la "ndalama opaleshoni". Komanso, gulu zikuphatikizapo ndalama monga malipiro a ntchito ndi boma, mwachitsanzo, mayikidwe ndi kugulitsa masheya a ngongole boma ndi chuma, kuwapatsa ngongole ndi zina zotero.

Mawu ndalama kuonetsa ndalama zikugwira ntchito ndi mtundu mu nthawi yoikidwiratu, monga ulamuliro, nthawi imeneyi si kuposa kotala. Iwo akupita kuthamanga, "Malipiro", ndipo zinalembedwa ku msika wa banki. Pa nkhani imeneyi, zonse ntchito ndi mabungwe ngongole mayina anawagawa m'magulu awiri: chidwi cha wotuluka ndi zina ndalama opaleshoni. Akatswiri amanena kuti gawo la ndalama kuchokera ntchito opaleshoni akhoza adzaweruzidwa pa malo a ntchito banki mu msika. Choncho, wamkulu phindu kwa mtundu uwu, ndi wolimba malo mabungwe ngongole mu ndalama msika.

mabanki zoweta amakonda m'kagulu ndalama zolowa ndi mu phindu ndi imfa chifukwa malinga ndi muyezo wa chidwi, opaleshoni ena, mabungwe ndi ntchito contingency. Gawo ili imatengedwa mogwira mtima chifukwa timatha akatswiri kuti timvetse zomwe ndendende munda wa banki ntchito kuwongolera ndi ungwiro wa amene sikutanthauza, ndipo pa mlingo mkulu.

Kupeza kuchuluka kwa phindu pa ntchito opaleshoni, m'pofunika ku okwana pansi "Malipiro opaleshoni" nyamulani ndalama zogwirizana. Ndalama zimenezo monga lolipiridwa ndi chidwi banki pa ntchito depository pa sheya anazindikira ndiponso zinthu zina, kusiyana sizabwino mitengo kuwombola zopereka ndalama za inshuwalansi wa bungwe ngongole kwa ndalama zosayembekezereka kapena kubisa chiopsezo. Mukhozanso monga kupereka misonkho ina komanso kubweza sanali msonkho kwa matupi boma, ndalama si bajeti ndi ndondomeko ya magulu osiyanasiyana.

Childs, ndalama opaleshoni kwaiye mchikakamizo cha zinthu zina, ndiko kuti, yodziwika ndi loitanirana. zinthu kunja monga mmene zinthu zinalili pa ndale ndiponso zachuma a dziko m'bwalo lonse, mpikisano wa banki inayake, mlingo wa kasitomala wokhutira, ndi zambiri. Pakuti uziyenda bwino ndipo kukwaniritsa cholinga chachikulu cha ogwira ntchito iliyonse malonda (ndi banki yotero) - azipeza phindu lalikulu, inu nthawi zonse tiyenera kupenda ndalama ndi ndalama ku ntchito. Komanso, ayenera kukonzekera bajeti ndi n'kudziphatika kwa iwo mu nyengo malipoti. Chinthu chofunika kwambiri ankaona yolemba ndondomeko Mkhalidwe mitengo kuti kuti zigwirizane mbali zonse: ndipo magulu ogula ndi mabwana a bungwe ngongole.