Ozalwa credit: iimpawu zayo kunye nemigaqo esisiseko

mboleko ozalwa kuqwalaselwa mali lokuboleka indawo, nto leyo oluthembekileyo. Ngapha koko, naliphi na iziko lamatyala uyahlangabezana neemfuneko zemali okwethutyana kwelinye ibhanki kuphela xa kukho uzinzo lwemali olusisigxina. Ukongeza, omnye umntu ngokwendalo okanye ngokomthetho kuxhomekeke kakhulu kwi notshintsho izinto yangaphandle mali, ingakumbi ukuhla kwamandla emali emarikeni.

lokubolekisa zizodwa sisixhobo ofanayo imisebenzi nokugcinwa kwenkqubo yebhanki kunye nezinto zawo ngabanye. amaziko Credit aze asebenzise olu hlobo mboleko xa kuthe ukuhla elibukhali kwizinga amatyala, ukongeza, ivumela ukuba agcine umgangatho olufunwayo inzuzo. Kwamatyala iqondwa nobuchule ibhanki ukuba ukuhlangabezana neemfanelo zalo kwangexesha, ngaphandle kokwenza abathengi alinde. Kungenxa yale salathisi kwizigqibo malunga iwonga zeli ziko.

Noko ke, mboleko phakathi ibhanki ukongezelela iingenelo zingenakuphikwa nabo babe neengxaki ezithile. Okokuqala ezo zenzo zonke ukuboleka nje ixesha elifutshane. Long-term mboleko ukuba iibhanki iibhanki kwakungayi kuba yingenelo naliphi iqela. Ukongeza, amaziko wekhredithi asebenzise into enjalo ukukhawulelana nokunqongophala okwethutyana kwezibonelelo zemali, ngokufuthi kunene, kuphela xa ingekho enye indlela. Akumangalisi oku, ngenxa yeendleko mboleko esinjalo kunokuba eliphezulu kwaye akusoloko kuluncedo umboleki. Ukuze ekupheliseni neengxaki ezikhoyo kunye nokuphuculwa kwe yogcino- nkqubo kuyimfuneko ukuba indlela enjalo, njengoko ngetyala inter-bank. Okokuqala, kufuneka ayalele konke okusemandleni alo ukwenza uvimba epheleleyo kunye irisithi automated zonke iinkcukacha eziyimfuneko.

Relations phakathi iibhanki kwi isivumelwano sentengo yemboleko, ingakumbi ngokwesivumelwano phakathi kwamaqela ngokubeka ixesha awufuna ethile, indleko, indlela buyiselo mboleko, njalo njalo. Kwiminyaka yakutshanje waqalisa ukuba kuqulunqwe i-mboleko ozalwa kwixesha "ebusuku", oko kukuthi, ukuba babuyele isixa ityala liya kuba iiyure eziyi-24 kamva. Kangangethuba elide iindleko waba ephantsi kakhulu, ngoko imibutho abaninzi basebenzisa unanamhla le nkonzo.

Ukuba sithethe ngayo indima IBC (mboleko phakathi-bank), izibonelelo zawo yophuhliso kwindlela zogcino ayikho umbuzo. Kuba ivumela amaziko ngetyala kwanaxa iingxaki zemali kuhlala zesinyibilikisi. On iimeko yokubhalwa mboleko lichatshazelwe yimiba yangaphandle kwezoqoqosho. Hi xikombiso, le meko kwimarike zemali imisela izinga lenzala. Ngokuqhelekileyo, ukuncitshiswa yayo kukhokelela ekuncipheni kweendleko-mboleko, nto leyo ethetha ukuba ulindele ukuba kukho ukwanda kwemfuno. Ngokomthetho ukuphuhlisa mboleko zexesha elifutshane, ukususela indibanisela izinto ezininzi eziyimfuneko ngenxa yokumpompoza mboleko inter-term. Okokuqala, nemiba ezintle izinga lenzala. , Amaxabiso Second likriwa izibambiso karhulumente. Ekugqibeleni, ukuthembeka ubuchule lombutho-yomboleki ukuhlawula izinzile. Ukuziqhelisa, le "ngokuvumelana" kunqabile kakhulu, nto leyo esisizathu sokuba mboleko ixesha elide anamkelanga usasazo ngendlela efanelekileyo.

Yinto akukho mfihlakalo ukuba amboleke naluphi na uhlobo umboleki kufuneka abonelele maxwebhu athile. mboleko ozalwa linikwa ngokusekelwe iingxelo, amaxwebhu usemthethweni yombutho, uboleke, ikopi sobhaliso karhulumente, charter, itywina yamanyala kunye nomsayino abantu abanoxanduva, kunye namanye amaxwebhu standard. Phambi kokuba umbolekisi isigqibo sokugqibela wenza uhlalutyo ngokucokisekileyo kwiinkcazo zemali umboleki ukufumanisa amathuba ophuhliso kunye neqondo yokuhlawula amatyala.