Ukujongana nokuxhaswa kwezezimali kunye nento enokukunika ngayo ishishini lakho
Amashishini amancinci ahlala enokufikelela kwimingenelo nakwezinye iifom zenkxaso-mali yokubambisa iindleko zeempahla abaceba ukuzithenga okanye zokuthengisa.
Ngaphandle kwenkqubo eqinisekisiweyo yemveliso, ezininzi iibhanki aziyi kunika imali-mboleko okanye ukukhuselwa kwe-overdraft kule ntlobo yeentengiselwano.
Abanikazi bamashishini, abancinci nabakhulu, abafuni ukuba nemali yabo eboshwe ekuthunyelwa kweempahla ezinokuthi, zithathe iiveki ezine ukuya ezintandathu okanye ngaphezulu ukuba zifike kumvelisi wezilwandle.
Kwiphepha le-flip, iinkampani ezithengisa iimali ezinkulu zeempahla azikwazi ukuba zikwazi ukulinda de ukuba iimveliso zabo zangaphandle zifike kwezinye iiveki ezikude, ngaphambi kokufumana intlawulo. Ezinye iimithombo ziqikelele ukuba ngaphezulu kwe-80 ekhulwini yezorhwebo yehlabathi lixhomekeke ekuxhaseni ngemali, okwenza iimpahla ziqhubeke zihamba nangona iinkampani zingenawo ukugeleza kwemali okwaneleyo ngaphakathi ukuze zisebenze ngemali.
Indlela iNkqubo eSebenza ngayo
Abahlawuli bezobambiso ezifana neebhanki kunye namanye amaziko emali abajongene kunye nokuququzelela iinkqubo ezahlukeneyo zemali phakathi komthengi (umthengisi) kunye nomthengisi (ngaphandle).
Ezi ziko zezemali zihambela ukuxhasa ngemali intengiso phakathi komthengi kunye nomthengisi. Ezi ntengiselwano zenzeke ngaphakathi kwilizwe okanye kwilizwe. Ukufumaneka kwezimali zorhwebo kuye kwabangela ukukhula okukhulu kwizorhwebo ngamazwe ngamazwe.
Iimali zorhwebo ziquka iintlobo ezahlukeneyo zemisebenzi efana nokukhupha iileta zetyala, ukuboleka, ukulungiswa kwemali, ukuthenga imali kunye nokuxhaswa ngemali , kunye nokuxhasa imali .
Inkqubo yokuxhaswa kwemali ibandakanya amaqela athile ahlukeneyo, kuquka umthengi kunye nomthengisi, umrhwebi wezorhwebo, ii-arhente zeentengo zemali-ntengiso kunye ne-inshorensi.
1. Imali yezoRhwebo iyanciphisa ingozi yokuhlawula
Ngethuba leentsuku zokuqala zorhwebo lwamazwe ngamazwe, abaninzi abathengisayo babengakaze baqiniseke ukuba, okanye nini, umthengisi angabakhokhela ngempahla yabo. Ngexesha elide, abathengi bazama ukufumana iindlela zokunciphisa umngcipheko wokungabikho kwentlawulo kubathengisi. Ngakolunye uhlangothi, abathumeli babenenkxalabo yokwenza iintlawulo zangaphambili zeempahla ezivela kumthengisi ngenxa yokuba babengenaso isiqinisekiso sokuba ngaba umdayisi uza kuthumela impahla.
Iimali zorhwebo ziye zaguquka ukujongana nazo zonke ezi ngxaki ngokukhawulezisa iintlawulo kubathengisi, kunye nokuqinisekisa abalandeli ukuba zonke izinto ziyalwe zithunyelwe. Ibhanki lomngenisi lisebenza ukubonelela umthengisi ngencwadi yeebhanki kwibhanki lomthengisi njengentlawulo xa kufakwe amaxwebhu okuthunyelwa.
Ngaphandle koko, ibhanki le-exporter linganika i-mboleko yebhankini kumthengisi ngelixa iqhuba intlawulo eyenziwe ngumthengisi njengendlela yokugcina ukunikezelwa kwempahla esebenzayo endaweni yokugcina umthengisi elindele intlawulo yomthengisi. Umboleko owenzelwe kumthengisi uya kufunyanwa ngumntu wezoqoqosho xa intlawulo yomthengisi ifunyenwe yibhankithi yethengisi.
2. Ukunciphisa uxinzelelo kubo bobabini abathumeli kunye nabangaphandle
Iimali zorhwebo ziye zaholela ekukhuleni okukhulu kwezoqoqosho kwihlabathi lonke ngenxa yokuba uye wafaka isantya semali phakathi kwabaxhasi nabangaphandle. Umthumeli akasasabi ukuba umngenisi-mali angenakwenzeka kwiintlawulo, kwaye umngenisi uyaqiniseka ukuba zonke iimpahla ziyalwe zithunyelwe ngumthengisi njengoko kuqinisekiswa yi-yezoqoqosho.
3. Iinkonzo ezahlukeneyo zeeMali kunye neeNkonzo
Iimali zorhwebo ezifana neebhanki kunye namanye amaziko emali ahlinzeka ngemveliso eyahlukeneyo kunye neenkonzo ukwenzela ukuhambelana neemfuno zeentlobo ezahlukeneyo zeenkampani kunye nokuthengiselana:
- I-Letter yeTyala: Lesi siqinisekiso esenziwe ngumntu osithumelayo kwi-bhanki kumthengisi, esithi xa umthengisi ekhupha onke amaxwebhu okuthumela njengoko kuchazwa ngumvumelwano wokuthengwa kwemthengisi, ibhanki iya kwangoko ihlawule umthengi / umthengisi.
- ISigunyaziso seBhanki: Ibhanki isebenza njengomgcini-mboleko xa umngenisi okanye umthengisi ehluleka ukuzalisekisa imiqathango kunye nemimiselo yesivumelwano. Ibhanki ithatha inyathelo lokuhlawula isamba semali kumxhamli.
Ezi zinto zimbini zineendlela ezininzi ezahlukileyo ukulungiselela iintlobo ezahlukeneyo zokuthengiselana kunye neemeko.
4. Ukwenziwa kweeNkcazo kwiMali yoRhwebo
Le ndlela yindlela eqhelekileyo esetyenziswa ngabathengisi njengendlela yokukhawulezisa ukuhamba kwemali. Kulo hlobo lwesivumelwano, umthengisi uthengisa zonke ii-invoyisi zakhe ezivulelekileyo kumsebenzi wezezimali (into) kwisaphulelo. Umongo ulinda kude kubekho intlawulo eyenziweyo ngumthengisi. Oku kukhulula umthengisi ngaphandle kwengozi yamatyala amabi kwaye unikezele ngemali yokusebenza ukuze baqhube. Umbandela, okanye umrhwebi wezorhwebo, wenza inzuzo xa umthengisi ehlawula ixabiso elivunyelweneyo elipheleleyo leempahla ukususela ekubeni umthengisi uthengise iimali ezifunyenweyo zeakhawunti kwixabiso elithengiswayo kwiinkampani zenkampani.
5. Ukufa
Le yifom yesivumelwano apho umthengisi athengisa zonke iakhawunti zakhe ezifunyenwe kwi -fafaiter kwisaphulelo esithile ngokutshintshiselana ngemali. Ngokwenza njalo, umthengisi uthumela idyala a liboleka kumngenisi kwi-forfaiter. Iimali ezifunyenwe ngumthengi kufuneka ziqinisekiswe yibhanki lomthengisi. Oku kungenxa yokuba umngenisi uyithatha impahla kwi-credit, kwaye uyayithengisa ngaphambi kokuhlawula nayiphi na imali kumntu osweleyo.