Uhlalutyo ingeniso kunye nenkcitho lweshishini njengesixhobo solawulo lomngcipheko

Ukuza kuthi ga ngoku, kunzima ngokwaneleyo ukuze lweshishini ngalinye ngumbuzo lweengozi lwangaphakathi, elidityaniswe kunye nomsebenzi abatyali-mali, kunye imisebenzi ezibonakala eyenziwa eziqhelekileyo ezifana uhlalutyo ingeniso kunye nenkcitho lweshishini, ngenxa yokuba nkqu imithombo ezisemthethweni zonke iintlobo ubungozi, njengoko umgaqo ubilisa phantsi enye into - imveliso kunye nobuchwepheshe (iingozi, izixhobo ukungaphumeleli). Kodwa akukho eyingozi ngaphantsi na umbolekisi kunye neengozi lwangaphandle lweshishini, uhlobo edulusele kwi ukonakala kweemeko zolawulo ezoqoqosho kunye nemali, yimali amahlakani zoshishino, utshintsho ngokwemigaqo yesivumelwano, uyothuka lwemali, kunye nezinye iimeko ngandlel nzima uhlahlelo iingeniso kunye neendleko lweshishini. nefuthe elibi kakhulu kuhlalutyo iingeniso kunye neendleko kwaye kuchaphazela emali.

Olu phawu imisebenzi zotyalo, ezifana nengozi, kufuna ingqalelo ekhethekileyo lo mba kwi inxalenye bonke abathathi nxaxheba utyalo-mali, ibhanki kunye obolekayo. Nangona kunjalo, lo ebhankini, njengoko umthetho, kudlala indima enkulu kwinkqubo yolawulo lomngcipheko, njenge-capital lombutho ngetyala ngaphezu umqalisi zotyalo-mali, ngokunjalo ngenxa yeebhanki ezinkulu abe namava elininzi uhlalutyo ukusebenza kwezoqoqosho kule projekthi, kunye neminye imiba kwiiprojekthi zotyalo , leyo ngqo kuchaphazela uhlahlelo kwingeniso yenkampani inxaxheba kwimisebenzi yotyalo-mali.

Phakathi eziphambili imiba basengozini abolekisa mali ebhankini, okufana i-Russian Federation zezi zilandelayo:

• iibhanki Urhwebo kwiimeko mihla umgaqo wolawulo-mali ukusombulula eziliqela iingxaki ukuchonga kunye nokunciphisa imingcipheko ezivelayo ukuphunyezwa ezibolekisa investment. Kodwa ke ukungaqiniseki eliphezulu bume yezoshishino, ukuxhomekeka nabasemagunyeni, ukuntsokotha, zobugcisa uhlalutyo ingeniso ehamba kunye noshishino imali, zifuna banks mali ukuphucula umgangatho ulawulo lomngcipheko, oko kube yimfuneko ebalulekileyo kwimpumelelo amashishini kunye ukhuphiswano ebhankini.
• amaziko Credit ngokubonelela ngeenkonzo abonge iiprojekthi zotyalo-mali okwenziwa zonke kwabiwa kwithiyori amanqanaba yolawulo lomngcipheko ukusuka ngokuchonga imingcipheko kumalungiselelo kwezicelo ngemali le projekthi investment ukuvavanya iziphumo zokunciphisa ubungozi kwithuba iprojekthi yokujonga. Kodwa kufuneka kuqatshelwe ukuba uhlala kwi asemva kwinqanaba eliphezulu, ebonisa imfuneko yokuphucula inkqubo yolawulo lomngcipheko credit investment.

Ukwenzela ukuphucula ulawulo lomngcipheko yeziko yamatyala ndlela ilandelayo ukunciphisa imingcipheko emalifakwe ekuphunyezweni obolekisayo yebhanki mali:

1. Nokukhutshwa yogcino (ozikhethelayo) ngetyala. Le ndlela icetywayo iza kunciphisa umngcipheko-mali yeprojekthi investment ukuba umboleki; nangenxa iziko yesikweliti, aya kuba nako ukufumana ezongezelelweyo ingeniso umdla, nokunciphisa izibonelelo ixesha kunokwenzeka ukuba izicelo kwiziko lamatyala-mali eyongezelelweyo iprojekthi zotyalo-mali.
2. Kuyimfuneko ukuba ukuvula akhawunti ngokuqukunjelwa bonke abathathi-nxaxheba ezinkulu kwiiprojekthi utyalo-mali ebhankini ukwenza imicimbi mali. Oku kuya kunika ukukwazi ukulandelela nokuhamba kwemali izixhobo ukuqhuba iinkqubo accounting ngobuchule kuqhutywa ngexesha ukuqaliswa kweprojekthi utyalo-mali, ngokunjalo akayi kuba nako ukukhokela kwiindleko ezinkulu izixhobo obolekayo kunye notshintsho iimeko zemali projekthi malunga buyaqhubeka kubo.
3. Izivumelwano ukuthenga iimveliso okanye iinkonzo kwiprojekthi ngokwamanqanaba. Le ndlela iza kwenza ukwandisa uhlalutyo ingeniso kunye nenkcitho lweshishini, ukubala izalathi ucikizeko lwezi mali ngokwesiseko kokwakhiwa intengiselwano ngakumbi oluchanileyo cash flow kule projekthi.

Ngenxa yoko, indlela eyakhiwe kakuhle kolawulo lomngcipheko, kusebenza njengesixhobo ezisebenzayo ukukhuthaza ulawulo olunempumelelo kwemozulu.