Zolemba pabizinesi: gwiritsani ntchito ndalama zambiri

zolembera Zolemba zamabizinesi kapena zamakampani ndizopangidwa mwanjira inayake chifukwa sizinatchulidwe pamisika yazachuma. Komabe, izi sizinachitike ndi Fund Yotsimikizira ya Deposit (FGD), monga momwe zimakhalira ndi ma depos. Ndi chiopsezo chochepa chomwe muyenera kutenga mukamaganiza za ndalama chifukwa choipitsitsa, mutha kutaya ndalama zomwe mudapatsa mayendedwe awa pakampani yazikhalidwezi.

Mulimonsemo, amapanga phindu lomwe limasokonekera pakati pa 3% ndi 8%, kutengera mtundu wa solvency ya omwe amapereka izi. Mulimonsemo, ndi chiwongola dzanja chomwe chimakhala chokwera kwambiri kuposa chomwe chimaperekedwa ndi zinthu zomwe anthu amapeza mosasunthika komanso zopangidwa kubanki (maakaunti omwe amalandila ndalama zambiri, ma depositi kapena ma bond mabungwe). Kumene zimapitilira 1,5% ndipo sizikukwaniritsa zosowa zanu kuti ntchito ikhale yopindulitsa momwe mungafunire.

Zolemba zamakampani ndi chimodzi mwazinthu zosadziwika kwambiri pazopeza zapadera. Osati chifukwa ali kutali ndi zolinga za osunga ndalama. Ngati sichoncho, bwanji osaganizira za nthawi yokhazikika pakubweretsa kwawo popeza atha kupita kumsika nthawi iliyonse komanso kutengera zosowa zamakampani. Mofananamo, olandira malingaliro awa amalandiranso ndalama zomwe adabwereka. Ndiwo chuma ndi kubweza kwathunthu koperekedwa kuchotsera.

Zolemba pabizinesi: kukhwima

Kukula msanga kumakhala kwakanthawi, kuyambira masiku ochepa chabe ndipo mpaka miyezi itatu pafupifupi, nthawi yodziwika kwambiri yolembedwa ndi miyezi isanu ndi umodzi, khumi ndi iwiri mpaka miyezi 16. Izi zimapindulitsa omwe adzalembetse omwe angasinthe momwe angafunire kutengera kusowa kwawo kwakumwa. Zachidziwikire, ndi ndendende mawu awa omwe amapanga malonjezano azinthu izi kukhala zosinthika zosowa zanu zenizeni zakugulitsa popeza mutha kuzisintha kuti zikwaniritse kukhwima kwamtundu uliwonse kutengera mbiri yomwe mumapereka ngati wogulitsa wocheperako komanso wapakatikati.

Mulimonsemo, ndi njira yosavuta yosungira ndalama kuposa enawo chifukwa cha mawonekedwe ake apadera. Komwe kusungunuka kwamakampani omwe amatulutsa ndalama izi kumathandizira kwambiri pakukhazikitsa. Mwa zina, chifukwa akapita banki, ndalama zomwe adasungitsa zitayika chifukwa palibe chitsimikizo.

Amaphimbidwa mpaka 100.000 euros

dinero Monga momwe zimakhalira ndi ndalama zomwe zimasungidwa mpaka ma 100.000 ma euro pamalipiro ndi wogwirizira amatetezedwa kudzera mu Fund of Guarantee Fund. Pachifukwa ichi, ndikofunikira kusanthula momwe ndalama zilili kwa wopereka chiphaso kuti asadabwe isanathe. M'malo mwake, chitsimikizo chake chachikulu chimangokhala m'mene angatulutsire omwe akuperekawo. Chifukwa, simudzasowa chochita koma kuyang'ana kampani yomwe mumapereka ndalama zanu chifukwa iyenera kupereka solvency yoposa yotsimikizika kuti musadabwe koposa kamodzi.

Phindu limafunikira lomwe lili pamwambapa lomwe limapangidwa ndi ndalama zopanda chiopsezo. Vuto lalikulu kwambiri limakhala m'makampani ang'onoang'ono komanso apakatikati kuposa akulu. Chifukwa chake ndichifukwa choti palibenso mwayi wodziyimira pawokha pazachuma chawo, monga momwe zimakhalira ndi omwe ali ndi capitalization yayikulu kwambiri kapena omwe amalembedwa pafupipafupi m'misika yamasheya. Pofuna kupewa zochitika zamtundu uliwonse zandalama izi, ndikofunikira kuti nkhani yake ilembetsedwe ndi National Securities Market Commission (CNMV). Ngati sichoncho, sipadzakhala yankho koma kusakhulupirika monga njira yodzitetezera.

Omwe amapereka malonjezano

Palibe mbiri yomwe ikufotokozedwenso ndi makampani omwe amapereka malonjezo. Makampani otsika kwambiri azachuma sangapezeke m'mabanki kwa omwe adalembedwa pamndandanda wazosankha zaku Spain, Ibex 35. Mu gulu lomalizali, ndi makampani omanga omwe amasankha kutulutsa izi. Ena mwa makampani omwe atchulidwa omwe atulutsa zikhalidwe izi ndi ACS, Acciona, OHL kapena Sacyr. Ndikubwerera kosiyanasiyana kutengera kutulutsa kwawo, ngakhale atachokera ku kampani yomweyo.

Pakadali pano mutha kufikira kuthana ndi vuto sungani magawo anu pamtengo wamsika kapena m'malo mwake mwa ndalama zomwe munagwirizana ndi kukonza musanalembedwe ntchito. Mwanjira ina, kufikira magawo amakampaniwa, sikuti kungangopeza kokha kudzera mu ndalama zosinthika, komanso kudzera muntchito zokhazikika. Komabe, imodzi mwangozi zake zazikulu ndikuti kuchotsedwa kwake koyambirira kuli kofunikira popeza malonda ayenera kukhazikitsidwa pamsika wachiwiri. Ndikuchepa pang'ono, komanso pachiwopsezo chotaya gawo lazachuma.

Phindu loperekedwa ndi izi

chidwiPonena za chidwi choperekedwa ndi malonjezano awa, palibe kufanana pazomwe makampani amapereka. Koma mosiyana, kuwonjezeka kwa phindu kumagwirizana ndi chiopsezo chomwe wosuta akugwiritsa ntchito polembetsa. Mwanjira iyi, zotetezedwa zomwe zili pachiwopsezo chachikulu zitha kulipira chiwongola dzanja pafupi ndi 8%. Ngakhale ngati izi sizikupezeka, chodziwika ndichakuti zimatsika mpaka zikafika pamayendedwe omwe amachokera ku 3% mpaka 5%.

Kusiyanaku kwakukulu, pafupifupi ndi magawo asanu peresenti, kumayambira chifukwa cha mtengo womwe uyenera kulingaliridwa ndi a chiopsezo chowonjezeka. Komwe kuwonetseredwa kwakukulu kumatsagana ndi chiwongola dzanja cha pachaka komanso kuti palibe chinthu chokhazikika chomwe chimaperekedwa panthawiyi. Kuchokera pamalingaliro onsewa, zowonadi mutha kupeza mitundu yambiri yazopindulitsa popeza siyopangidwa mofanana, kutali ndi iyo. Ngati sichoncho, m'malo mwake, imayenda ndi kusiyanasiyana kofunikira potengera phindu lomwe limachokera pamakampani amalonjezano. Kukhala chimodzi mwazomwe zimakulimbikitsani pakulemba ntchito.

Zina zofananira

Ponena za phindu lake, malonda omwe amafanana kwambiri ndi gawo logula ndikugulitsa masheya pamsika wamsika. Osati chifukwa cha kapangidwe kake, koma chifukwa ndiopindulitsa kwambiri pakadali pano chifukwa ochepa angakupatseni 8% monga chiwongola dzanja chokhazikika komanso chotsimikizika chaka chilichonse. Ngakhale ndikosavuta kusiyanitsa mbali zina pakati pa mitundu iwiri iyi yochita ndalama. Chifukwa magawidwewo zoopsa zake kulibe ndipo zimachokera poti magawo amakhala pamisika yamsika.

China chomwe chiyenera kukumbukiridwa pakati pazinthu ziwirizi ndi zomwe zimafotokoza mawonekedwe a pangani mitengo yanu. Chifukwa magawo amagawidwa pamalingaliro amisika yazachuma pomwe, m'malo mwake, zolemba zamakampani zimayang'aniridwa ndi magawo osiyanasiyana omwe ndi ovuta kumvetsetsa kwanu. Pomwe zoopsa nthawi zonse zimakhala zobisika kwambiri ndipo mwina zimakhala zenizeni zomwe zingakukhudzeni munthawi zina. Komabe, ndibwino kunena kuti zolemba zamakampani ndichimodzi mwazinthu zosadziwika bwino pamakampani azachuma. Ndizosadabwitsa kuti ndizopanga ndalama zomwe sizodziwika kwambiri pakati pa omwe amagulitsa ndalama zazing'ono komanso zapakati.

Makampani omwe sanatchulidwe

makampani Zina mwazinthu zabwino kwambiri zamakampani ndizoti siziyenera kuperekedwa ndi makampani omwe adalembedwa pamisika yachuma. Ngakhale izi ndizomwe zimachitika, komanso makampani ambiri omwe amayambitsa izi osatchulidwa. Chifukwa chomwe chimafunikira kwenikweni ndi momwe maakaunti anu amabizinesi alili. Izi zimapangitsa kuti kampani yomwe ili ndi solvency yaying'ono ikupatseni ndalama zambiri kuposa masiku onse komanso zosiyana kwambiri. Ndiye kuti, ndi chitetezo chachikulu, zimakupatsirani chiwongola dzanja chotsika kwambiri chomwe sichimasiyana konse ndi zomwe mumapeza pakadali pano.

Ngati mukufuna kutenga malonda amtunduwu, muyenera kupita ku banki yanu yachizolowezi kuti mukadziwitse za makampani omwe ali ndi chidziwitso chazomwe zapezeka panthawiyo. Muyenera kuwona zofunikira zawo ndikuwunika ngati kuli kokwanira kwa inu kuwalemba ntchito. Mbali inayi, ili ndi mwayi waukulu kuti siyimapanga ma komiti komanso ilibe ndalama zowayang'anira kapena kukonza. Kuchokera pazomwezi, ndizowona kuti mutha kusunga ndalama mukapangidwe kake pokhudzana ndi zinthu zina zomwe zimapangidwira ndalama. Kupitilira pazopereka zomwe zingakupatseni pamalingaliro alionse. Chifukwa ndi chinthu chomwe mwina simunachizolowere pochita.


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