Mawu a chitukuko tochepa. mavuto phwando

Osauka chitukuko cha ntchito entrepreneurial ndi zotsatira za mfundo kayendetsedwe ndi zolimbana osati mu dera lino, komanso vuto kupeza ngongole. Mfundo ndi kuti ngakhale ndi ngongole mavuto pa zomwe yaing'ono Business sanali mwa zinthu zopangidwa kubanki.

mavuto ngongole Ofunika

The vuto lalikulu tilingirire ichi ndi kapangidwe opaque za bizinesi. Wosazindikira mlingo wa kulemba chuma ndi wazamalonda kwa mabanki achabechabe, ndi chinthu zambiri zoopsa. Ngakhale makampani ndi chilungamo khola ndalama ntchito Sizotheka kutenga ngongole chitukuko tochepa. Kodi tinganene chiyani za pakalibe luso wazamalonda ndi kupanga ndalama ndi mlandu lipoti zofunikira banki. A vuto zina ndi chiwerengero chochepa cha chilungamo mu thumba mosavomerezeka. Ndi zovuta kupeza ngongole kwa chitukuko cha tochepa, ngati pa muyezo pepala la kampani uli kokha 5 - 15% ya ndalama zawo, ndi zina - anabwereka ndalama. kulakwitsa chilichonse anira ntchito kungachititse bankirapuse. kwa khola chitukuko cha kampani amafuna osachepera 30% padera ndalama zake. Komanso banki anapereka ngongole kwa chitukuko cha malonda ang'onoang'ono ayenera ndondomeko malonda, zomwe n'chakuti magawo osiyanasiyana a kumalo a ntchito. Koma mu nkhani iyi, ndi kulemba ndalama amalonda ndi osauka.

Momwe

Pamaso opereka ngongole chitukuko tochepa, Sberbank, VTB kapena mabungwe ena ngongole amafuna makonzedwe kuvomerezedwa ukutitsimikizira kubweranso kwake. Kubweza ngongole wapangidwa likuvutika phindu kampani talandira, osati kuchotsa ndi ndalama kufalitsidwa. Choncho, ndalama chifukwa akhale apamwamba kwambiri kuposa mlingo chidwi, kotero muyenera kupeza ngongole mosapita kuwunika mwayi malonda anu. Kuwonjezera kofunikira kwambiri ndalama, wodandaulayu, azipereka chitetezo kwa ngongole ya. Ngati mabanki ina kuvomereza ina kuti ayenera kukhala madzi, ndi ofanana kuchuluka anapempha. A chofunika opereka ngongole ndi usonyeza inshuwalansi osati pa belo komanso chuma ndakuwonetserani, komanso pa moyo wa mwini ntchito. The ngongole kwa chitukuko cha malonda ang'onoang'ono Pakufunika guarantors chiwerengero cha nawo ntchito, mabungwe alamulo kapena anthu, komanso ofunikira malonda. thandizo zikusonyeza kudalirika ndi mbiri yabwino kwa obatizidwayo. Kuwonjezera phukusi zonse zolembedwa, banki amafunsa yoyenera pofuna kugwirizana Kulipira zinthu zake zilipo ndalama, ngati pali kuyan'anila za zinthu ngongole ndi wobwereka lapansi. Siteji yotsatira ngongole adzakhala vetting wobwereka. Ndipo pambuyo kuti utumiki chitetezo chiganizo: mwina "inde" kapena ". Ayi" Chimake lachitatu sangakhale. Oyang'anira wa antchito Bank, nadzaza zimenezi - zachinsinsi. cifukwa chifukwa chokana konse Zikuvumbulutsidwa kwa kasitomala. Iyi ndi mfundo wamba a mabanki onse.