Credit iyo lacagta ahaan la isku celceliyo

In dhaqaalaha casriga ah wadar ahaan lacagta waxa loo arkaa xaddiga lacagta iyo kale khayraadka dhaqaale, isku siin lacag. Waxaa la rumeysan yahay in ay isku celceliyo lacageed leeyihiin hantidooda ka mid ah ayaa ku dhow inay midnimada.

Inta ugu badan ee la isticmaalo waqti of category dhaqaale ah, waxa loo maleeyey in ay isku celceliyo lacageed ugu weyn ee u dhaqmaan sida waxyaalaha ugu muhiimsan ee siyaasadda credit ah.

In dhaqaalaha daboolayaa ahaan la isku celceliyo lacageed sida, sida:

• lacag caddaan ah (M0);
• hantida Financial: Cash lacag iyo credit khayraadka, iyo lacag dhigaal ah dalabka (M1);
• foomka laysku dardaray m2 - aasaasay by daray M iyo noocyo kala duwan oo kayd go'an;
• Nooca unugyada m3 - aasaasay by daray M iyo tiro ka mid ah kayd waqti badan oo (shahaadada deposit);
• celceliyo sameeyaan L -Waxaa ballaaran oo ka mid ah unugyada, oo ay ku jiraan Avv oo aan hantida dhaqaale marka laga reebo.

In dhaqaalaha maanta iyo aad u badan oo muhiim ah in qaab-dhismeedka ahaan la isku celceliyo lacageed helaan goobaha credit. Markaasaa waxaa taas waxaa si toos ah lagu go'aamiyaa baahida loo qabo in la ballaariyo hawlaha credit ah.

Arrimaha liiska credit hawlaha iyo sifooyinka dhaqaaleyahannada ay uma aan imanin inaan isku raacsan yahay. Inta badan, sifooyinka sifo la mid ah tixraac magacyo kala duwan u shaqeeyaan, ama, on lid ku ah, loo aqoonsaday hawlaha kala duwan.

Tusaale ahaan, calaamadaha bedelka function aqoonsaday lacag iyo credit hawlaha wareegga, sida lagu sheegay in labada kiis ee falalka credit sida category waydaartaan ah. Si kastaba ha ahaatee, waa in aad kala hawlahaas, waxaa iska cad in arrinta lacagta credit (xaqiiqda ah in la bedelay ka mid ah Calaamooyinkiisa lacag) iyo daaweynta lacag credit ma aha isku mid ah, oo saamayn ku celceliyo lacageed iyo noocyada ay la eego ay Halabuurka iyo qaab-dhismeedka.

In sifeeyay function qaybinta suugaanta ku ah muujineysaa nooca wax soo saar ee qaybin khayraadka credit. Si kastaba ha ahaatee, hawlaha khayraadka credit ma aha had iyo jeer wax soo saar leh ee dabiiciga ah, in loo qaybiyaa inuu ku soo laabto, laakiin ma backfilled kharashka credit, kaas oo aan lagu dari karaa in ay isku celceliyo lacageed. Marka tan la eego, marka lagu daro shaqada qaybinta uumi waa in la martiqaaday in ay shaqo ee kobcinaya khayraadka ku badbaado, kaas oo masuul ka ah nooca wax soo saar kharashka dhaqdhaqaaqa credit oo awood u leh inay abuuraan qiimaha credit cusub sida a is-ballaarinta.

In suugaanta ee dhaqaalaha waxaa jira saddex shaqada ugu weyn ee credit - qaybinta, gacanta iyo bedelka, iyo sidoo kale tiro ka mid ah hawlaha kale ee loo ogaado doorka firfircoon ee credit oo qayb ka ah lacagta waxaa ka mid ahaa in ay isku celceliyo lacageed. Taasi waa sababta, ku salaysan hawlaha loo yaqaan sameeyay hawlaha kala soocidda sii khuseeya dheeriga ah ee ah qaababka cusub amaah: Isbadal ee caasimada nasinta ee hawlaha.

Waxay bixisaa:

• amaah bond la dhaqaalaha oo dhan:
• abuurka qiimaha credit cusub sida qiimaha is-ballaarinta;
• abuurista credit ka dhigan ee wareegga (credit iyo lacag aan credit);
• adeegyada Loan lacag isbeddelkaas (dhabta ah iyo casriga ah, ee loo yaqaan lacagta credit);
• bedelkiisa oo lacag caddaan ah lacag isbeddelkaas (credit iyo lacagta bangiga credit lacag caddaan ah).

Doorka credit iyada oo sababtu tahay fulinta hawlaha ay, ay xaqiijin doonaan in xawaaraha ee wareegga ah ee lacagaha, taas oo iyana saamayn togan ku celceliyo lacageed.

Mabda'a ee dhismaha model noocan oo kale ah waa madaxda ah lagu go'aamiyaa hawlaha ujeedada, jihada, si faahfaahsan. hawlaha kala soocidda lagu daro si ay u abuuraan qiime credit cusub sida a is-ballaarinta, iyo natiijada dhamaadka ku lug beddelidda ee caasimada nasinta ee hawlaha.