Iintlobo zeMali kunye neMigqaliselo yokuTyala
Ukuhlawulwa kweenqununu zezikolo-mboleko zebhanki eziqhelekileyo zixhaswe ngokutsha , oku kuthetha ukuba inqununu kunye nenzala imiswe njengemali ephindwe rhoqo ehlawulwe ukuhlawula imali mboleko ngexesha elithile.
Kwixesha elidlulileyo, amashishini amancinci aphile kwaye afa ngenxa yamandla-mboleko ebhanki, umthombo wabo oyintloko wokuxhasa imali.
Ngethuba loLuntu oluPhambili lwe-2008, le nto yashintsha njengoko iibhanki zazithengiswa ngakumbi kwaye amashishini amancinci kufuneka aqalise ukujonga ezinye iindlela zokuxhasa ngemali.
Iintlobo zeeNgxowa-mali zeTyhulo
I-American Bankers Association ibona iindidi ezimbini zeemali-mboleko zebhanki. Eyokuqala ngumboleko wexesha eliphakathi elisoloko likhule ngokwamnye ukuya kwiminyaka emithathu. Ngokuqhelekileyo isetyenziselwa ukuxhasa iimfuno zemali ezinkulu. Imali yokusebenza ibhekisela kwimali yokusebenza yansuku zonke abanikazi bamashishini abancinci kufuneka baqhube ngamashishini abo.
Imali-mboleko yemali yokusebenza, nangona kunjalo, inokuba yimali-mboleko yebhanki yexesha elifutshane kwaye kaninzi ikhona. Iinkampani zihlala zifuna ukufanisa ukukhula kwemali mboleko kwizinto zeempahla zabo kwaye zikhetha iimali-mboleko zebhanki zesikhashana. Enyanisweni, iimali-mboleko zebhanki zebhanki empeleni zisesigxina, kodwa ngenxa yokuba zihlaziywa ngokuphindaphindiweyo, ziba yimali-mboleko ephakathi okanye ixesha elide.
Imali-mboleko yeBhanki ephakathi
Iimali-mboleko zebhanki eziphakathi eziqhelekileyo zingasetyenziselwa ukuxhaswa ngeempahla ezinjengomatshini onobomi obuncinane ukuya kwiminyaka emithathu, njengezixhobo zecomputer okanye enye imishini emancinci okanye izixhobo.
Ukuhlawulwa kwemali-mboleko yexesha eliphakathi kudla ngokubambisana nobomi be sixhobo okanye ixesha elifunekayo ngalo.
Izivumelwano zemali-mboleko zexesha eliqhelekileyo ziba nezivumelwano ezinqandekileyo ezibekwa yibhanki. Izivumelwano ezithintelo zithintela imisebenzi yokulawula ngexesha lobomi bemboleko.
Baqinisekisa ukuba ulawulo luya kubuyisela imali mboleko ngaphambi kokuhlawula ibhonasi, izabelo kunye nezinye iintlawulo ezikhethiweyo.
Imali-mboleko yexesha elide leBhanki
Amabhanki awanako ukubonelela ngexesha elide mali kumashishini amancinci. Xa besenza, ngokuqhelekileyo kuthengwa kwe-estate, indawo enkulu yezoshishino, okanye izixhobo ezinkulu. Ibhanki iya kuboleka kuphela i-65% -80% yexabiso lexabiso le shishini elithengayo kwaye i-asethi isebenza njengetyala le mboleko.
Eminye imiba amashishini amancinci anokujongana nazo kwizivumelwano zemali-mboleko yexesha lebhanki yimivuzo yenzalo , ukuthengwa kweentengo zemboleko, izivumelwano zokubambisana kunye nezimbi, izibambiso , iintlawulo kunye namalungelo okuhlawulwa kwangaphambili. Ukubaluleka kwemali kubaluleke ngokubaluleke kakhulu ukususela emva koKhuseleko oluPhambili luka-2008.
Bhanki bakhetha ukubolekwa kwemali-mboleko apho ukusetyenziswa kwemali-mboleko kuqinisekisa isikolo sokuhlawula ngokuzenzekelayo. Ininzi yemali-mboleko yexesha elide inama-25,000 okanye ngaphezulu. Abaninzi baye bahlawula inzala kunye nomhla wokukhula. Iishedyuli zokuhlawula ziyahluka. Iimali mboleko zekota zihlawulwa ngenyanga, ngekota, okanye ngonyaka. Abanye banakho ukuhlawula ibhaluni ekupheleni kwexesha le mboleko. Umboleko wesibhaluni ngowokuthi isixa-mali senqununu kunye nomdla awuthatywanga ngokupheleleyo kwixesha layo, ngokuqhelekileyo ukugcina iintlawulo zexesha eliphantsi kunokwenzeka.
Ngaloo ndlela, isamba esisele, ngokuqhelekileyo inqununu, siyakuphela ekupheleni kwekota.