Uhlalutyo lweziqinisekiso, iinjongo zalo

Ukuba iziqinisekiso zisekuthengeni, zenze ingxelo kwaye ziqikelele ixabiso layo aziyi kuba nzima kwaye ziza kuthatha iintsuku ezimbini zokusebenza. Isaphulelo sokutshintshwa kwempahla yesitokhwe, umniki-mali kunye nohlobo lokhuseleko ngokwalo zizinto ezichaphazela ixabiso eliqikelelweyo.

Ngethuba lethu, isabelo sokubambisa sithandwa. Le nto inesitokisi, kwaye yile mveliso ephambili xa isebenza kwimarike. Uqikelelo lwee-securities, izabelo, ukuhlaziywa kwamasheya okulingana okufanayo. Ngokuxhomekeka kohlobo lwabo, ukuhlawulwa kwemali engenayo (izabelo) kwenziwa :

- izabelo eziqhelekileyo, iintlawulo zenziwa emva kokunciphisa iirhafu, oko kukuthi, kwi-profit, kwaye kuxhomekeke kwingeniso yenkampani. Nika umnini ilungelo lokuthatha inxaxheba ekuhanjisweni kwenzuzo ;

Izabelo ezikhethiweyo. Kunokwenzeka ukuhlawula inani elincinci lezabelo, ezichazwe kwangaphambili, kwaye azixhomekeke kwingeniso yoshishino. Xa kucinywa ishinti umnini angayifumana inxalenye yezinto ezisebenzayo zoshishino, kwaye ukuba afumane inxalenye yenzuzo (izabelo) kwiminyaka yokugqibela. Kwisicelo somnikazi, banokutshintshaniswa kwizabelo eziqhelekileyo.

Ukuhlaziywa kwamatyala (izibhanki, iibhanki zokutshintshiselana, iibhanki zokutshintshana kunye nabanye) zenziwa phantsi kweemeko ezithile: ukufumana mboleko (ukuba ukhuseleko luyimbambiso), ukwakha i-capital capital yekampani, ukuthenga nokuthengisa le asethi, ukuchonga ixabiso lemarike yenkampani okwangoku, ukukhutshwa kwee-securities Kule meko, ubukho be-appraiser ngokuzimeleyo kuthathwa).

Kwimeko xa ukhuseleko lwalukho ngaphambili kwintengiselwano yesitokisi kwaye akukho lwazi kulo Kwindleko xa kuthengwa nokuthengisa, ngoko uhlalutyo lweziqinisekiso lidlula emva kohlalutyo olupheleleyo:

- inzuzo yayo ichongiwe;

- imeko yangoku yesilonda iyahlolwa;

Ukuqinisekiswa kokuthembeka komthengisi, ukuzinza kwayo kunye nemeko yezemali.

Uhlalutyo lweziqinisekiso, izabelo zeshishini, lwenzeka ukucacisa isabelo soshishini, ekubhekiselele kulo mzekelo kuya kubonakaliswa ngokwemali.

Inyathelo yiBhanki eyiNtloko ekhuphayo kwaye inika ilungelo lokuthatha inxaxheba ekulawuleni kwenkampani kwaye ifumana izabelo.

Ixabiso leemali ezithengiweyo ngokwemali-mali lixhomekeke kwixabiso lexabiso (kwimarike yokuqala), ixabiso lexabiso (ukuqikelelwa kwimiba), ixabiso lokuhlawuleka (ekuthengisweni kwe-firm firm), ixabiso lentengo yokutshintshiselwa (inquma iimarike), indleko yokuhlengwa (ehlawulwa ukuthengwa kweempahla ezikhutshwa ngumkhupha ngokwazo) , Ixabiso le-accounting (kuboniswe kwibhalansi yekampani), ixabiso lebhayibhile (echongwe ngamaphepha eemali ukusuka ekubaleni kwenzuzo yenani inani lezabelo ezikhutshwe).

Ekusebenzeni ngeempawu ezikhuselekile kukho "ingcaphuno yeziqinisekiso". Kule meko, ukuzimisela kwentengo sele kuqhutywe kwiimarike ezintathu ngokufanayo: ukutshintshisana, okuphambili kunye "nesitalato". Iqwalasela ukuhlolwa okuqhutywe phambi kokuthengisa, ukuzimisela kwekhosi, ukupapashwa nokubhaliswa kwezi zifundo kwiibhengezo zentengiso kunye nemibutho eyahlukeneyo yezoshishino.

Uqikelelo lwee-securities lubonakalisa ukuthengiswa kwawo. Ubutyebi bubekwe kwisantya sokuthengiswa kweemali ezitshintshiselwano okanye ngaphandle kwayo kwintengo yemarike exhomekeke ngqo kumkhupha wale asethi. ERashiya, izabelo ze-OAO Gazprom, i-Norilsk Nickel kunye ne-Mosenergo zikhulu kakhulu.