Analysis mari uye mari yacho zvebhizimisi sechekushandisa pangozi utariri

Saka kure, zvakaoma zvokuti mumwe zvebhizimisi uri mubvunzo yomunyika njodzi, hwakabatana uye basa makambani, uye ane raiita purogiramu uye nomuzikamwi mabasa akafanana kuongorora mari uye mari yacho zvebhizimisi, nekuti kunyange pamutemo manyuko marudzi ose ngozi, sezvo mutemo kubika pasi mumwe chinhu - kugadzirwa uye kwesayenzi (tsaona, midziyo kukundikana). Asi hapana zvishoma ngozi ndiyo akakweretesa uye kwokunze ngozi zvavakanga vachida kuita, hunhu iyo iri kuderera zvoupfumi uye zvemari utariri ezvinhu, kusauka vemabhizimisi vamwe, shanduko contractual nemashoko, mari ukapisa murwi, uye mamwe mamiriro ezvinhu kuti zvimwe zvinoomesa ari Kuongororwa zveminda uye mari yacho vachida. Very inokanganisa pamusoro Kuongororwa zveminda uye mari uye kunokanganisa mitengo.

Zvinoita mari mabasa akadai mikana, zvinoda ngwariro chaiyo nyaya iyi iri chikamu vechikamu vese vari mubhizimisi, zvose kubhengi uye anokwereta. Zvisinei, kubhangi, sezvo mutemo, kukonzera iri nedanho pangozi Kutarisira, sezvo guta kwemutongo sangano kupfuura initiator kuti mari, uyewo nokuda guru mabhanga vane yakawanda Zvakaitika kuongorora mari kunyatsoshanda chirongwa, uye dzimwe nyaya inivhesitimendi muzvirongwa , izvo zvisina kunanga kunokanganisa kuongorora mari chekambani dzinobatanidzwa inivhesitimendi mabasa.

Pakati huru zvinokonzera ngozi bhengi mari achiposa zvakafanana nokuti Russian Federation ndedzinotevera:

• Commercial mabhanga vemazuva ezvinhu mari mutemo kugadzirisa zvinetso kuziva uye kuderedza ngozi kuti inomuka ari Implementation pamusoro inivhesitimendi anomukweretesa. Asi mupristi Kusanyatsoziva dzemabhizimisi kwezvakatipoteredza, ayo pazviri muboka revatungamiriri, kunzwisisa, hwokugadzira muchipo mari kuongorora uye zvebhizimisi mari, zvinoda mari mabhanga kuvandudza pangozi Kutarisira, inova chinokosha chinodiwa kuti kubudirira ebhizimisi uye makwikwi zviri kubhengi.
• Credit masangano kupa mabasa achirumbidza mari zvirongwa kunze zvose dzinounzwa iri dzidziso nzendo pangozi Kutarisira kubva kuziva ngozi pakugadzirira zvikumbiro mari yacho mubhizimisi chirongwa kuongorora ngozi rutapudzo kunoguma basa kuongorora nguva. Asi zvinofanira kuzivikanwa kuti ichingori pane yakakwirira yakati sandara chikwereti, zvichiratidza kudiwa kunatsiridza mubhizimisi chikwereti pangozi utariri rikurumidze.

Kuti uvandudze ngozi utariri kwemutongo sangano zvinotevera nzira kurerutsa ngozi kuiswa iri Implementation iri mubhizimisi Bank anomukweretesa:

1. Issuance kuti negadziriro yeparutivi (optional) chikwereti. Yaida nzira kuchaderedza ngozi pasi-mari yacho mubhizimisi chirongwa mukwereti; uye nokuti chikwereti sangano achakwanisa uwane mamwe kufarira mari, uye kuderedza zvinobvira nguva zvedu chikwereti sangano zvikumbiro okuwedzera mari yacho inivhesitimendi chirongwa.
2. Zvakakosha kuzarura kugarwa nhoroondo yose mikuru vechikamu mari muzvirongwa mubhangi aite mari kwema. Izvi ichapa kukwanisa chamber Rwako Mari zvinhu kuitisa chizvidavirire nzira nounyanzvi kunze panguva Implementation iri mubhizimisi chirongwa, uyewo haana kukwanisa kutungamirira muhombe mari mukwereti pfuma uye kuchinja basa racho nemari mamiriro kurutivi tightening pavo.
3. Zvibvumirano nokuti kutenga zvinhu kana mabasa kuti chirongwa nezvishoma. Nzira iyi kuchaita kuti optimize ari kuongorora mari uye mari yacho zvebhizimisi, kuverenga zviratidzo zviri kunyatsoshanda kuti oupfumi nemhaka pakuvaka kutengeserana neyakarurama mari kuyerera kubva chirongwa.

Saka, zvakanaka akavaka nzira ine ngozi Kutarisira, anoshanda sezvo kunobatsira kusimudzira vabudirire utariri okunze.