Analysis ndalama ndi kulipirira ogwira ntchito monga chida cha kasamalidwe chiopsezo

Padakali mavuto okwanira aliyense ogwira ntchito ndi nkhani ya mavuto mkati, izo chikugwirizana ndi ntchito ya ndalama ndi ntchito yooneka nthawi ndi bwino ngati kusanthula ndalama ndi kulipirira ogwira ntchito, chifukwa ngakhale magwero boma la mitundu yonse ya ngozi, monga ulamuliro wiritsani pansi ku chinthu chimodzi - kupanga ndi sayansi (ngozi, zida zolephera). Koma palibe kupatula zoopsa ndi wokongoza ndi kuopsa kunja kumalo a ntchito, chikhalidwe cha chimene chili kuwonongeka kwa zinthu kasamalidwe zachuma ndi chuma, bankirapuse wa nawo ntchito, kusintha mawu contractual, zodabwitsa ndalama, ndi zina kuti pena complicates ndi kusanthula revenues ndi ndalama kumalo a ntchito. kungasokoneze kwambiri pa kusanthula revenues ndalama ndipo amagwira kufufuma.

Mkhalidwe umenewu wa ntchito ndalama, monga chiopsezo zimafuna chisamaliro chapadera nkhaniyi pa gawo la ophunzira onse ndalama, onse banki ndipo wobwereka. Komabe, gombe, monga ulamuliro, chimachititsa kwambiri mu ndondomeko ya kayendetsedwe chiopsezo, likulu la ngongole gulu wamkulu kuposa Mlengi wa ndalama, komanso chifukwa cha mabanki lalikulu ndi chochitika ndithu mu kusanthula Mwachangu chuma cha polojekiti, ndi pa nkhani zina mwa ntchito ndalama , amene mwa njira zina zimakhudza kusanthula ndalama kampani nawo ntchito ndalama.

Pakati waukulu mfundo zoopsa chifukwa kukongoza banki ndalama, mmene chifukwa la Russia ndi zotsatirazi:

• mabanki malonda mu ndondomeko ndalama zinthu zamakono kuthetsa angapo mavuto kuzindikira ndi kuchepetsa mavuto amene angabuke kukhazikitsa kukongoza ndalama. Koma kumachitika mkulu wa chilengedwe malonda, kudalira ake bureaucracy, Kuvuta, luso pansiyi ndalama kusanthula ndi ogwira ntchito ndalama zimafunika ndalama mabanki kuwongolera kasamalidwe chiopsezo, kumakhaladi chofunika kofunikira kwambiri pa kupambana amakampani malonda ndi mpikisano wa banki.
• mabungwe ngongole kupereka wa crediting ntchito ndalama anachita zonse allocated mchiphunzitso cha magawo a kasamalidwe chiopsezo ku chizindikiritso cha kuopsa pokonza ofunsira ndalama za polojekiti ndalama kuti aone zotsatira kuchepetsa chiopsezo mu nyengo ntchito polojekiti. Koma dziŵani kuti ikhala pa arrears mkulu mlingo, zikusonyeza kufunika kwa kusintha ndalama ngongole kasamalidwe chiopsezo ndondomeko.

Kuti kusintha kasamalidwe chiopsezo kosamalira ngongole njira zotsatirazi kuchepetsa mavuto kuchitidwa mu kugwiritsa ntchito kukongoza ndalama kubanki:

1. Kulengezedwa ya kubwerera (ngati mukufuna) ngongole. The njira akufuna kuchepetsa chiopsezo pansi-ndalama za polojekiti ndalama kwa wobwereka ndi; ndi bungwe ngongole adzatha kupeza ndalama chidwi zina, ndi kuchepetsa zotheka chuma nthawi zopempha bungwe ngongole Ndalama zina za polojekiti ndalama.
2. M'pofunika kutsegula akaunti kuthetsa ophunzira onse aakulu ntchito ndalama kubanki kuchita wotuluka ndalama. Izi adzapereka mphamvu younikira utuluke ndalama chuma kuchititsa ndondomeko mlandu mwaluso ikuchitika pa kukhazikitsa ntchito pa ndalama, komanso sangathe kuyambitsa ndalama yaikulu chuma wobwereka ndi kusintha ntchito zinthu ndalama kwa kumanga iwo.
3. Mapangano kwa ogulidwa mankhwala misonkhano polojekiti mwapang'onopang'ono. Njira adzalola kuti konza moyenera kusanthula ndalama ndi kulipirira kumalo a ntchito, kuwerengera zizindikiro za dzuwa la ndalama pa maziko a ntchito yomanga ndikupeleka zambiri zolondola otaya ndalama kwa polojekiti.

Choncho, moyenerera anamanga njira za kasamalidwe chiopsezo akutumikira monga chida champhamvu kulimbikitsa kasamalidwe bwino nyengo.