Waa maxay waqtiyo kala ah? Terms of sahayda

Wajigii (wajigii) loo tarjumay ka French ka dhigan tahay qayb ama share a securities, bonds kuwaas oo soo saarista la doonayo in la hagaajiyo xaaladaha suuqa.

Waa maxay waqtiyo kala ah?

In view of isticmaalka gaarka ah ee qalab wuxuu noqon karaa conventionally delimit ay baaxadda sida soo socota:

1. Maalgalinta iyo suuqa saamiyada.
2. Amaahda hay'adaha la bangiyada.
3. Bixinta Maraykanka waqtiyo ee IMF.

Fahamka "wajigii" hadalka waa ka soocaya kor iman, oo jidadkiisa oo bixinaya kaalmo dhaqaale. Waa maxay waqtiyo ee maalgashiga? Arrintan securities (CB) la isla shuruudaha, iyadoo aan loo eegayn marka waxaa loo isticmaalaa qayb ka mid ah wax soo saarka guud. Taasi waa qayb ka mid ah Bangiga Dhexe siiyey si tartiib tartiib ah, marka shuruudaha macaamil amaahdaana ayaa la kulmay shuruudaha lacag bixinta ee arrinta ugu horeysay.

Waa maxay waqtiyo ee amaahda? Bank oo dhigaya xad lacag arrinta ururka ee (line credit) amaahdaana, iyo xaddidaadda gudahood isaga siinayaa wadarta loo baahdo. In ururkan, amaahdaana wuxuu xaq u leeyahay in la isticmaalo share cusub oo amaah ku saabsan baahida loo qabo, haddii waajibaadka oo dhan si aad u bixiso daynta lagu fuliyay ka dib markii tranching ugu horeysay.

Waa maxay waqtiyo ee Hay'adda Lacagta Adduunka (IMF)? Waxay yihiin dhigma line credit shirkadaha ah, marka laga reebo xaaladaha ay bixinta. Sida caadiga ah, IMF hore u dhigeysa shuruudaha gaarka ah, non-waafaqsan oo dalka laga tegi kari lahayn maalgelinta. shuruudaha IMF waxay noqon karaan kuwo siyaasadeed iyo mid dhaqaale.

wajigii Credit iyo shuruudaha

Maxaa amaah wajigeeda, kor lagu sharaxay. fikirka ah "line credit" waxaa badanaa la helaa, taas oo ah inay isku horyaalka kor ku xusan. Iyadoo qayb ka ah heshiis ka dhexeeya bangiga iyo amaahdaana waxaa ku xusan oo dhan xaaladaha iyo bixinta line credit ah. Fiirada gaarka ah ee dokumentigan u hibeeyeen ilaa ay xaddido celintiisa. Aad iyo aad u xad design heshiiska aan macquul aheyn in tranching ah. Halkii, bangiga xukmin karta boqolkiiba dheeraad ah (oo ku saabsan 0.5% sanadkiiba, taas oo ku xidhan dhawr arrimood) ee qaybta aan la isticmaalin of credit ku dheelitirka ka dhigan tahay. Sayidka, bangiga dhiiri amaahdaana in ay ka faa'iidaystaan ka buuxa bixinta credit.

The xaaladaha ka yar taas oo soo saaray wajigii hoos ku qoran.

1. Celinta iyada oo la raacayo jadwalka bixinta.
2. Accrual oo xiiso for tas-hiilaadka credit.
3. Loobahanyahay shirkadda ama rahaamad dheeraad ah oo amaah ah oo ah qaab ay hantideeda u gaar ah faa'iido ah amaahdaana.

Waqtiyo in daynta

Waa maxay bixinta wajigii ka yar heshiis amaah ah? Si loo fahmo su'aashan waa si caddaalad ah u fudud haddii aad ha iloobin macnaha erayga wajigii. Xasuustaan ka Faransiis waxaa loola jeedaa "qayb". Iyadoo la raacayo, bixinta wajigii - waa arrin of saamiga lacagaha xadka ee ay dejiyeen amaahdaana.

wajigii kasta waxaa laga yaabaa in labada by codsiga amaahdaana ayaa siiyay inta lagu jiro muddada heshiiska, iyo jir ah waqti cad. Dhamaan Gudigga ee macaamil ganacsi ee ka diiwaan gashan heshiis amaah ah. amaahdaana waxaa waajib ku ah inay gutaan waajibaadkooda ku saabsan waqtiga iyo in buuxa. amaahiya A, markeeda - si ay u bixiyaan on-dalabka wajigii ururka amaahda ah.

Faa'iidooyinka line credit a

Si ka duwan bangiga caadiga ah bixinta amaahda, line of credit waa soo jiidasho for deynsanaya, iyo sidoo kale hay'adaha maaliyadeed. Faa'iidooyinka ugu weyn ee tranching hoos xarunta credit waa sida soo socota.

1. Tirada Unlimited of waqtiyo. noqnoqoshada isticmaalka lacagaha credit. line credit waxaa laga yaabaa in xadka daawo ah oo la cusboonaysiin karo iyo kuwa aan la cusboonaysiin karo. In duwanaansho labaad ee ururka amaahda isticmaali kartaa dhowr waqtiyo, laakiin wadarta kama badan karto xadka ku cad. Haddii line of credit waa la cusboonaysiin karo, markaas bixinta ee waqtiyo kala qaaday amaahdaana mar kale isticmaali kartaa. Tusaale ahaan, xadka on credit ku wareegi line of hal milyan oo doolar. Amaahdaana sheegtay for wajigii hore ee $ 300 000, waxaa la bixiyaa in heshiiska (2 bilood) muddo, sidaas ugu badnaan waxaa karaan dib-u-isticmaali hal milyan oo doolar. Iyo in ay dhacdo line credit non-wareegi socda qaybta yarna daynta maxaa yeelay, waxay ka dhigan lahaa in kaliya 700 000 oo doolar.
2. Interest isticmaalka wajigii laga yaabaa in lagu soo eedeeyay in siyaabo kala duwan - wuxuu noqon karaa caadiga ah, in uu yahay mid aan loo eegin xadka la siiyaa muddada heshiiska. Ama waxaa laga yaabaa in marka la eego gaar ah oo lagu eedeeyay. Bank ayaa ku siin kara wax amaahdaana noocyo kala duwan oo xaaladaha accrual oo xiiso for wajigii kasta. Interest in kiis kasta, waxaa lagu eedeeyay oo keliya lacagta ku baabba'saday (wajigii).
3. Daynta u qortaa-off qaadataa meel si toos ah marka aad hesho lacag kaash ah si ay u account oo ka mid ah ururka, taas oo ah mid aad u sahlan sida ay u badbaadiyaa waqti.