Iimali-mboleko ukusisevisa, okanye malini iindleko ukuthatha ngetyala

Credit - oku licandelo uqhelene ubomi mihla. Basebenzisa phantse kuyo yonke indawo; ngayo iibhanki, iivenkile, boutiques, iinkampani. Nayiphi zokwakha kwaye awugqibe izixhobo, iimpahla zexabiso, izixhobo zombane zasekhaya, iTV, iikhompyutha, ifanitshala, imoto kunye yokuhlala - konke oku kwaye kakhulu kulula ukuba athathe "banamatyala." You can, Kakade ke, ubunzima usindise isixa esifunekayo, kodwa ummelwane na lo, kodwa ke akahlali kubabetha kunawe, uze uhlawule kuye efanayo.

Imfuno idala ubonelelo. iinkqubo Credit beebhanki ohlukahlukeneyo, kwaye uluhlu ukhula ngonyaka ngamnye. Ulahlekile kule ezahlukeneyo Kulula ukufumana iinzuzo-mboleko ebhankini enye, kwaye yohlukile kwezinye izindululo kunzima kakhulu.

Masiqalise nesibakala sokuba ebhankini - umbutho yorhwebo, Injongo ogama eziphambili - nzuzo. Kubonakala ngathi le inzala yonyaka kwi-mboleko - ingeniso eyaneleyo ukuba ibhanki wamkela umboleki. Kodwa asingabo bonke elula kangaka. yebhanki nganye nayiphi na imali-mboleko lukhatshwa iikhomishini, ezo alithathwanga ngakumbi "babhengeze". Ubukho ezinye zezi umxhasi .iyakwazi sele ungene kwisivumelwano semali-mboleko okanye ahlawule intlawulo yokuqala, ezinye uyazi kwangaphambili (umzekelo, imali yenkonzo mboleko), nangona ukuqonda injongo yabo.

Ngoko ke yintoni na le Khomishoni mayicaciswe gca kwisivumelwano semali-mboleko ukuze obuncinane bomgca kunye elikhulu? Ezi zilandelayo iikhomishini: iKomishoni kunikezelo imali-mboleko, intlawulo yokwenza isicelo semali-mboleko ukuba intlawulo yenkonzo mboleko, intlawulo bevula akhawunti mboleko, nasezigxineni ekuqaleni extinguishment njl Ikhomishini kakhulu izinto amagama ambalwa, kwaye semthethweni ukuyolela inkoliso yazo ngo-2009, ezaziwayo ngurhulumente mthethweni. Banks wavuma, kwaye ... walitshintsha igama Commission.

Phambi kokufumana ngetyala mboleko umphathi nayiphi na ibhanki unyanzelekile ukuba ukwazisa ngumthengi kunye esebenzayo wenzala. Le rate iquka zonke iindleko umdla yebhanki. Umsebenzi main - umzimba imali-mboleko, oko kukuthi, imali umxhasi kuthatha elunxwemeni. umyinge wenzala yonyaka - ngenyanga inzala kwimali-mboleko. Mboleko imirhumo isevisi kunye nezinye iintlawulo yebhanki - kukwandisa yenzuzo yebhanki ngeendleko ezigqithisileyo ezinzima explainable. Ukuba khomishini ethathwa kanye kuphela xa zifumana imali-mboleko, its too ukwandisa imali mboleko iyonke. Enye into, xa khomishini kukuba ipesenti ezisisigxina ezabelwe imali-mboleko, kwaye iya kuhlawuliswa qho ngenyanga, ngoko ke egqithisileyo kwi-mboleko iza kuba isixa enkulu kakhulu.

Imali mboleko inkonzo - enye imirhumo iibhanki ezivame ityala. Igama inokuba ukwahlukahlukana, oku uya kubekwa ityala ngenxa imali-mboleko okanye amafa asele okanye imiyolelo ukuba ngenyanga okanye ngexesha elinye. Le zokwenza kujika zonke iKomishoni elidlulileyo, ekubeni bonke iikhomishini zibizwa ngokuba 'ukuba inkonzo mboleko. " Izohlwayo ukuba uthathe zibhanki ukuhlawula kade okanye ukufa kwenxenye le mali-mboleko yenyanga Kuyinto Kungenzeka ukuba achaze imingcipheko ukwehla bankka. Chaza ezinye iimali kuba kakhulu nzima ngakumbi, ukuba ngeke kwenzeke.

Ukususela ngo-2009, iibhanki angadliwa ukuba zihlawulise imali kwi kubaboleki, uninzi iibhanki ezinkulu phantse zonke iimvumelwano irhoxisiwe. Ngoku "yaba kusefashonini" inshorensi yobomi yetyala, apho kubonakala ukuba ngokuzithandela, kodwa lunganga ncam. Ke ukwala yebhanki inshorensi rhoqo kwandisa izinga lenzala. Singasathethi ke inshorensi isithuthi mandatory okanye nezindlu zithengiwe. inshorensi yobomi uyakwazi ukuhlawula kanye yonke kota mboleko kwaye kufumana imbuyekezo epheleleyo, okanye ungakwazi ukuhlawula ngonyaka, ngomhla intsalela yetyala.

Isigqibo bendalo: enoba kunzima nekhomishoni yeebhanki, nabo uhlobo omnye okanye omnye uya kusoloko khona, phantsi amagama ahlukeneyo kwaye izixa ezahlukeneyo, ngokuba isilingo ukufumana iinzuzo lula ziphezulu kakhulu.