Kafukufuku creditworthiness wobwereka a. Mfundo

Kafukufuku wa creditworthiness wa wobwereka ndi - chinthu chimodzi chofunika kwambiri za ndondomeko kukongoza. Izi kanthu abwino kwambiri pa gawo la mabungwe ena azachuma, chifukwa wounikira zolondola luso wobwereka kuti ngongoleyo ndi chidwi pa likukhudza zotsatirazi zoikamo banki - ngozi, mtundu wa mbiri ngongole, mlingo angathe alipire ngongole zimenezi, amapereka ndalama mochedwa ndipo monga Motero, mzere pansi ngongole bungwe. N'zosadabwitsa kuti aliyense banki amalipira woganizira mozama chizindikiro monga njira potaya creditworthiness wobwereka a.

Monga ulamuliro, limodzi, konsekonse njira mabungwe ndalama kulibe. Aliyense banki alonda ngongole anayamba munthu wounikira wobwereka. Komabe, zinthu wamba adakali pano mu njira za mabanki, ngakhale iwo amapangidwa ndi anthu osiyana kwambiri.

Mwachibadwa, adziwe koyamba mlingo Imayamba ndi kutanthauzira za wobwereka monga munthu wachibadwa kapena malamulo. Analysis wa creditworthiness wa wobwereka monga bungwe lalamulo - njira iliyonse yolemetsa kwambiri, akuchokera zosiyanasiyana zitsanzo ndi njira potaya mkhalidwe wachuma ndi luso kulipira. Choyamba, tikambirana choyambirira mawu ndalama kampani, makamaka, kapangidwe ndi mphamvu ya utuluke chuma, ngongole ndi chuma cha gulu, komanso zinthu zomwe kampani mkhalidwe wachuma.

Ngati gulu kungabweretse chiwerengero chachikulu cha zikalata tsiku limene n'zotheka kuchititsa kusanthula azachuma, ziyenera wa creditworthiness wa wobwereka monga munthu umachitika pa chiwembu chosiyana.

Background mudziwe creditworthiness wobwereka payekha ikuphatikiza magawo zotsatirazi - mphamvu ya ndalama, mlingo wa ndalama mu pakalipano zokha, kupezeka kwa ngongole, utsogoleri ndi maudindo ena.

M'pofunikanso ponena kuti khalidwe lokonda anthu ndi zambiri okhulupirika, monga ambiri obwereketsa ndi kutenga nkhani osati zalembedwa ndalama, komanso mfundo zotengera malingaliridwe kuti kasitomala sangathe kuwatsimikizira. The njira ntchito odziwa - ndalama zopeza opanda ndi ngongole - alonda ngongole anatsimikiza ndi luso la kasitomala kupereka ngongoleyo. Sizachilendo ndi osakwanira ukonde ndalama ntchito wobwereka silidzabwezedwa naye. Ngati malipiro a pamwezi ngongole adzakhala oposa 50% kuchuluka kwa ndalama zambiri yankho ndi ayi.

Kafukufuku wa creditworthiness wa wobwereka chimadalira pa mtundu wa kukongoza. Mwachitsanzo, zaka zaposachedwapa chimagwiritsidwa ntchito kugoletsa njira zochokera Kupenda osachepera kuchuluka kwa mfundo za wobwereka lapansi. Makamaka, amaona magawo monga zaka kasitomala, ntchito zake ndi chuma chawo ndipo, ndithudi, phindu. Monga ulamuliro, pa ngongole otere anagwirizana nthawi yayifupi, ena mabanki kupereka kapangidwe mu ola limodzi.