Izivumelwano zeMali-mboleko yeeBhanki zeZimashishini ezincinci

Uyakuqonda njani iMigaqo-mboleko yeMboleko yokuThengisa iMali yeMancinci

Xa amashishini amancinci enza isicelo somboleko webhanki okanye imali mboleko yebhanki , kwaye ivunyiwe, isivumelwano semboleko sihlala siqulethe izivumelwano zemboleko okanye izivumelwano. Umnqophiso wokubolekisa ngemali-mboleko ngumane nje isitatimenti kwisivumelwano semali-mboleko phakathi komboleki kunye nomboleki (kulo mcimbi, ibhizinisi elincinci) lichaza ukuba ishishini elincinci linakho kwaye alikwazi ukwenza izinto ezithile ngelixa lihlawula imali mboleko yebhanki.

Iinkampani ezinobhanki zijonga ingozi ephezulu ziya kuba nezivumelwano ezingaphezulu.

Iinkampani ezibhanki ziba yingcipheko encinci ziya kuba neziphambano ezimbalwa. Ingozi inqunywe kwizinto eziliqela ebhanki kubandakanya ukuthengwa kwemali- mboleko , izitatimende zemali , ukuhamba kwemali , i- inshurensi , i- inshurensi yoshishino kunye nesicwangciso sakho sezoshishino . Ezinye izinto zingasetyenziselwa kwizivumelwano ezithintekayo.

Iimvumelwano eziQinisekisiweyo okanye eziPhambili

Izivumelwano ezinqwenelekayo yizinto ezifunekayo kumashishini amancinci okanye umbolekayo xa ehlawula imali mboleko yayo. Imizekelo yezivumelwano ezinqwenelekayo okanye ezintle ziyisiseko esisisiseko - ukuhlangabezana neembopheleleko zemali, ukuhlawula irhafu kunye nokugcina ukuhamba kwemali efanelekileyo. Ezinye izivumelwano ezinokuthi ziqinisekise ukuba zigcine i-inshorensi yoshishino, gcina ugciniweyo kunye nokugcinwa kwerekhodi echanekileyo.

Ibhanki ingacela kwakhona ibhinjana elincinci ukuba ligcine amanqanaba athile eemali ezithile. Imizekelo yemilinganiselo yeemali ukuba iibhanki ezibukeleyo ziyi- debt balance to equity ratio , ityala le-aseset ratio , kunye nenkunzi yomsebenzi wenkampani.

Amanyathelo okuQinisekisa okanye angenziNdoleko

Izivumelwano ezibolekileyo zemboleko zikhawulelana nokuziphatha komboleki ukulungiselela ibhanki. Ngamanye amagama, ishishini elincinci eliboleka imali kufuneka liyeke ukuthatha izinyathelo ezithile. Umnqophiso ogqithiseleyo unqwenela ukuba inkampani ingabi mboleki nayiphi na imali nawuphi na umboleki.

Izivumelwano zokuThengisa iMboleko ngeBhanki yakho

Ingqineleyo inkampani yakho yinkxaso-mali, isikhundla esilungileyo ukuba uxoxisane ngezivumelwano zemboleko kwibhanki yakho. Amabhanki asebenzisa izivumelwano zemboleko ekukhuseleni iimfuno zabo kunye nokunciphisa umngcipheko wabo. Abayi kuyenza mboleko kwi shishini lakho elincinci, nangona kunjalo, ukuba abafuni ukuba ibhizinisi lakho liphumelele. Ngoko kukho indawo yokuthintana. Uya kufuneka uvelise ibhanki ngesicwangciso soshishino ngokuphuhliswa kakuhle, sigcwaliswe ngeenkcazo zemali , ukuze uxoxisane ngezivumelwano kunye nebhanki.

UkuHlola iMigaqo-mboleko yeMboleko kunye nokuSebenzisana nokuPhulaphula umnqophiso

Umnini omncinci wezoshishino kufuneka ahlale ebeka iliso ukuba ingekho inkampani ihambelana neemvumelwano zemboleko, ngokukhethekileyo ngeengxelo zemali zangoku kunye neprojekthi. Kungcono ukuba i-CPA yakho ikuncedise lo msebenzi kungekhona wonk

Enye yemisebenzi ebalulekileyo yeCPA kukuqinisekisa ukuba ishishini elincinci aliphulaphuli naziphi na izivumelwano zemboleko. Ngamanye amaxesha, ukuphulwa komnqophiso kungenakunqandwa. Ngokomzekelo, kwenzekani ukuba ityala le-aseset ratio lihamba ngaphezu kwezinga elibekwe nguloo mvumelwano? Impendulo emfutshane kukuba kuxhomekeke kubukhulu bokuphulaphula.

Isohlwayo esisetyenziswe yibhankini sinokuvela kwileta kwifayili yeshishini elincinci kwibhanki ebiza ngemboleko. Ezinye izihlwayo zamanqanaba eziphakathi zingabandakanya ukunyuka kwentlawulo yemali ehlawulwe ngemboleko okanye uhlobo lwesigwebo semali esisodwa.