Financial zvireruke kana mari dhirika?

Munguva kuchinja zvigadzirwa, tsika, mararamiro uye dzidziso, asi invariable kwakange chete chinhu chimwe - mari. Kwemazana emakore, ivo varipo nezuva hwevanhu vari kuita mabasa avo. Zvisinei, panguva kukura Knights Templar ari nzvimbo zvemari hazvina awana munhu anokosha, hurongwa zvakatangwa uye mitemo, izvo saka kure. Pane imwe izvi hurongwa dzichakurukurwa nhasi.

Zvireruke - ndiyo yaisanganisa nomugumisiro zvakaoma achishandisa nokururama uye chikwereti. Kuti ajekese pfungwa iyi nani, ngationei muenzaniso zvinotevera: Company kuti utariri akasarudza kushandisa rimwe mapurojekiti, izvo anosimbiswa kuita purofiti, asi ravo manyuko mari haisi kukwana, nokuti Tingawaneiko ishoma uye kazhinji iri zvakasiyana zvinhu. Akakwereta mari yokubatsira kuwana zvaida mari zvakarurama yakawanda iri nguva - ndiwo zvireruke zvemari.

Zvinonzwisiswa kuti matanho zvakadaro chinangwa faniro uye vakasikwa kuti kuwedzera profitability renyu guru. Zvakakosha kuziva kuti mari zvireruke (zvireruke) - ichi hachisi chinhu mamiriro ezvinhu ezuva nezuva kuti akabvisamo chikwereti kuti chinangwa nokusingagumi. With danho iri nokungwarira overenga zvose zvinobvira, tarisa kana kambani vagadzirira zvinodiwa kuyaruka. Somuenzaniso, muna kumahombekombe zvokutengeserana zvireruke inowanikwa chete kana mugove guru haasi asingasviki 50% pachavo mari.

Munyika yanhasi chokushandisa ichi kakawanda kushandiswa navashambadziri yesangano, zvinhu, kana kungoti mari nevaya vanofungidzira. Kakawanda, kuti zvakanaka purofiti pamusoro kwema haisi Nokutendeka yakakwana munzvimbo iyi, ivo, maererano ravakanga vanoshandisa kuminamato makambani uye Lenders. Kuwedzera chinangwa zvinhu, akaita Masvomhu chokuita zvichibvira kurasikirwa kana fuma pamusoro pokupedza basa racho. Izvi zvinoratidza kuti zvikuru chaizvoizvo vaida zvireruke. kukarukureta fomura iri nyore chaizvo, uye anotarisa sezvizvi:

EGF = (1 - C) X (RA - RD) X (D \ E) sezvamakaropafadzwa:

T - Income (grade okuti) mutero;

RA - profitability kambani yesangano% (mapeji 190 uye 300 chimiro № 2).

RD - muzana chikwereti;

D - vakakwereta mari;

E - yaipedzerwa guta renyu (peji 490 chimiro nhamba 1.).

Zvinogona chete zviviri. Kana mhinduro iri kubvisa, mari zvireruke zvichaita chete kutowedzera ezvinhu boka rako, kana ane ndinoiitawo chiratidzo, zvino iwe une chakanaka mukana kuwedzera purofiti yenyu.

Ini ndingadawo kutaura mashoko mashomanana pamusoro pezvakaita uye kukosha zvakadai mudziyo kwamuri:

1) The zvakawanda wawatora chikwereti chacho, mari chikuru unogona kukundikana;

2) zvemari zvireruke kunoita boka rako zvichienderana akakweretesa kana investor;

3) zvibvumirano zvakadaro hake here kuti pamwedzi kubhadhara uye vamwe, kuti vasanyanye purofiti uye mambure mutero anogona kumanikidza iwe kugumisa zvimwe zvinhu;

4) kunyange kuwedzera duku mari tichiregeredza kukwezva chikwereti guru kunogona yekudyidzana kuwedzera yenyu "chena" kwemari.

Kana musingadi kushandisa mari zvireruke, uye mabasa ako ose tichiregeredza nokururama uye mubereko, ipapo, maererano mitemo sayenzi mari, wako zvakasimba iri vakafunga mari akazvimirira.