Yintoni imigangatho? Yintoni liphezulu?

Kude kube kamva nje, iqondo laso lokusebenzisa amandla zemali kunye credit kusetyenziswa kuphela nezixhobo-nxaxheba stock kwimarike yomsebenzi. Ngoku le meko itshintshe. Imisebenzi ye-arhente yokulinganisela liyigubungele ummandla omkhulu, ukunceda abathengi eziqhelekileyo ukwenza isigqibo esisiso egameni kwinkampani yebhanki okanye i-inshorensi ethile. Yaye eneneni kufuneka ibe ngummi zesiqhelo. Yiloo nto isinceda ukuba siqonde ukuba ukureyithwa ezinjalo. Kwaye kufuneka uqale inkangeleko yazo.

Imbali sokulinganisa

Ngokubanzi, le nkqubo kuqala kusetyenziswa engaphezu kwekhulu eyadlulayo. Ekupheleni kwenkulungwane yeshumi elinesithoba eUnited States baqalisa ukusebenzisa Ukulinganiswa uzinzo kwezemali kunye creditworthiness. Ekuqaleni, ke makanikwe kuphela benkampani yawo baviswa kusebenza njengesixhobo iingcali abo norhwebelwano kwiimarike stock. minyaka imashumi mabini kuphela eyadlulayo akukho kuphinda angasebenzisi esi salathisi njengendlela mlinganiselo yolawulo lever ngetyala. Ukuba sithethe ngento iireyithingi, kubalulekile ukuphawula ukuba kude kutshanje akacudiswanga isetyenziswe njengenye iimpawu ngokukhetha ebhankini, inshorensi okanye amatyala umbutho efanelekileyo. Kwihlabathi ngayo le nkqubo ayisetyenziswa, kuba kwakunzima kunzima ukuqonda ngabemi abaqhelekileyo, ngenxa into ayikho imfuneko.

Ngoku, abaninzi usenokuzibuza ukuba yintoni na rating kweebhanki. Eneneni, kumaxesha yakutshanje isetyenziselwa ukugqiba uzinzo lwemali amaziko kwakunye baqonde zeziphi iinkampani kunye arhente kufuneka sisebenzele abantu, amashishini amancinane kunye naphakathi. Yiyo loo nto kwiminyaka yakutshanje indima ratings iye yaba mikhulu kakhulu, kwaye ngoku isetyenziswa kakhulu.

Sebenzisa kubomi bemihla ngemihla

Ngoku umbuzo wokuba yintoni ratings, yonke into ngaphezulu okanye ngaphantsi ecacileyo, kuyimfuneko ukujongana imiba enxulumene ukusetyenziswa kwazo kubomi bemihla ngemihla. Kwaye ngoko ke iya kuba luncedo ekuqondeni angenza ntoni uhlobo lweshishini kubizwa uzinze kunye noluthembekileyo ukuze sibone ukuba kuyimfuneko ukusebenza kunye neenkampani ze-inshorensi ethile kunye namanye amaziko zemali.

Ngoko ke, yintoni na ratings, uyazi, unako ngoku yiya zihlandlo ebonakalayo. Eyokuqala ibaluleke kakhulu ngokubhekisele rating amandla yemali eyabelwe-arhente ezikhethekileyo. Ngokubanzi, uhlalutyo zivela labacebisi zemali kunye abahlalutyi kwimarike, ibhekisela kwindawo yokuhlola umgangatho weenkonzo ezinikwayo. Kubonakala ukuba kusetyenziswe uzinzo lwemali izilinganiso akukho ndlela enxulumene novavanyo lwe ebhankini ngokwayo, inkonzo, inkampani yeinshorensi, kube lula ukusebenza kunye kwiziko lemali okanye inkampani yolawulo. Oku kuphela ukulinganisa zithuba yentlangano ngqo.

Yintoni nokurhafiswa yeebhanki?

Olu khetho kwisebe yemali nkcazelo ingasetyenziswa ukuqonda, ethembekileyo, okanye hayi. Oko kukuthi, ukufumanisa amathuba ukuphunyezwa webhanki okanye inkampani yeinshorensi yezibophelelo yayo ngqo kumxhasi i. Noko ke, lo mlinganiselo akaphenduli umbuzo wokuba uya kuba ekhululekile ukusebenza ziko, ukuba kuhle, ukuba ukhululekile ukusebenzisa website yayo, iqela ofisi iye, apho isicelo nangaliphi na ixesha ukufumana yonke ingcaciso okanye iinkonzo ezifunekayo.

Sebenzisa kwezinye iimeko

Xa kufikwa kwinkampani ye-inshorensi, ngoko kukho kwakhona iqela parameter efana nokubeka ophezulu ayikho kubonisa. Ukususela oko akuyi kuzihlamba njani na inkampani esebenza kubathengi bayo, nokuba ukuhlawulisa ngenxa yentlawulo, nto leyo ngoku eqhelekileyo kakhulu.

Kungenxa yoko le nto ukusetyenziswa kweentlelo ayikwazi kuqwalaselwa isixhobo kuphela kokukhetha inkampani yeinshorensi okanye ibhanki. Kuyimfuneko ukunikela ingqalelo kwakhona kuluhlu lweenkonzo kwi ukusebenziseka inkonzo ngokusebenzisa isiza lula ukusebenzisa ii-ofisi, inani ingxelo embi nezilungileyo malunga mbutho. Ngoko ke, xa sithetha ngento iireyithingi, ukuba kuthiwe Isetyenziswa kuphela ukuba iyafuneka ukhetho oluchanekileyo, clip iibhanki ubuncinane ethembekileyo kunye neenkampani ze-inshorensi, kwakunye ukusebenza kunye namaziko ezemali womelele ngakumbi.

uvavanyo rating

In Russia kwiminyaka yakutshanje iibhanki kunye neenkampani ze-inshorensi ezininzi wahlala ngaphandle kwephepha-mvume, waya ayinamali ngenxa yale meko. Icandelo zemali kunzima kakhulu ukuze sisinde kwintlekele yoqoqosho, kwaye ezinye izakhiwo elikhulu wahlala ngaphandle kwephepha-mvume. Le ke yile nto kuthiwa ngemfuneko alumke kakhulu ekukhetheni beebhanki kunye neenkampani ze-inshorensi ukuba onokumthemba. Ngokuqhelekileyo, amaziko baphulukana mvume zabo nelalingasamnquli, waba rating kunokuba phantsi, kodwa aninjalo nonke. Kukho imizekelo indlela iibhanka imigangatho sezingeni eliphezulu lozinzo lwezemali bafumana iingxaki ezibalulekileyo, ngenxa leyo zawa. Kwaye apha akakwazi ukuthetha malunga imposiso kuthiwa-arhente ezikhethekileyo. Uvavanyo lwabo abalinganiswa ye amathuba imilinganiselo okanye naziphi na iingxaki zemali.

uvavanyo Personal

Kunjalo ke, ukuphendula umbuzo malunga isilinganiso lobuqu. Lenzelwe ukuba libe abantu emisetyenzana ube nefuthe umsebenzi nabanye abantu. Umzekelo, umlinganiselo usenziwa abarhwebi kwi istock exchange, ebonisa ngubani kwaye isebenza njani. Eli nani akuyongqinisekiso yokuba yonke into iza kuqhubeka kuba kumgangatho ofanayo, kodwa kunika uluvo yendlela umgaqo umsebenzi.

Njani na amanqaku yokuzinza zemali?

ungahlala kule mba ngokucacileyo ngaphezulu. Kubalulekile ukuqinisekisa ukuba yintoni na, nendlela arhente ezenza iireyithingi ubalwa intsebenzo yabo wabele amanqaku iinkampani ze Insurance, iibhanki kunye namanye amaziko zemali.

Ngoko ke, ukuba intsingiselo "rating", kwacaca mhlophe, kuyimfuneko ukuba siqwalasele oko kumxholo, ngokunxulumene namaziko email. Phantsi kwale salathisi kufihla ukuqikelela amathuba ungonakala. Ukuze athi ngolwimi olulula, yena uthetha malunga nokwenzeka kwinkampani yebhanki okanye i-inshorensi engazifezekisi iimfanelo zalo kubathengi, abagcinisa imali, amatyala kunye Abantu abaKhuselwe ngeInshorensi. Kukho inkcazelo entsonkothileyo kakhulu, kodwa ke kule meko yinto enokwenzeka kuthi ukuba ngenene ingenzeka kwimeko enjalo ke umongo kunye ibalulekileyo.

Ukulinganiswa kwezinye iindawo

Njengoko yokusebenza ibonisa, ukusetyenziswa loo elilinganiselwa parameter afanelekileyo kuphela kwicandelo zemali, kodwa lo mdlalo. Ngoko ke, kufuneka kuthiwa ukuba sezinga kwi yona andiyazi. Xa World ngumdlalo Amatanki, elisuke laba ithandwa kakhulu kwiminyaka yakutshanje, kusetyenziswa inkqubo yovavanyo, nto leyo ebonisa indlela ngempumelelo edlalwa ngamnye nabadlala. Ke baninzi ngoku, nanku umbuzo, yintoni na WN6 rating. Ifomula zesi salathisi lisetyenziswa inani frags, Ukonakala, kunye nezinye iimpawu ndikunike ipesenti encinane. Lo mlinganiselo akwenzeki ukuba umoya, efana endala, ngoko njani alisayi kuwathathela ngqalelo amanqaku isiseko capture, kunye namanye amathuba kungabalulekanga ivumela qualitative uvavanyo ubuchule waloo mdlali.

Njengoko ubona, inkqubo mgangatho ngexesha lokugqibela liya lisiba ngakumbi zithandwa kuzo zonke iinkalo zobomi.