Bankirapuse: Makampani omwe ali ndi ngongole amakula 1,7%

Bankirapuse adabwereranso theka loyamba la chaka chino mzaka zisanu zapitazi pomwe panali zovuta kusiya njira za bankirapuse. Zotsatira zake zikuipiraipira pazambiri zazachuma zachuma ku Spain. Ngakhale nkhani yabwino imabwera chifukwa choti njira zamalamulo zoterezi zikuyankhidwa bwino pakampani. Ngakhale kuti manambala akuwoneka kuti akuwonetsa kuti kusintha kwamachitidwe kukuchitika.

Poterepa, kuchuluka kwa omwe adabweza ngongole kudafika 1.648 mgawo loyamba la 2019, lomwe likuyimira a Kuwonjezeka kwa 1,7% polemekeza nthawi yomweyo ya chaka chatha, malinga ndi zomwe zaposachedwa ndi National Institute of Statistics (INE) kudzera mu Bankruptcy Procedure Statistics (EPC) kotala yoyamba ya chaka chino. Mwa mtundu wa mpikisano, 1.558 anali odzipereka (2,1% kuposa kotala yoyamba ya 2018) ndipo 90 inali yofunikira (5,3% yocheperako). Poganizira mtundu wa ndondomekoyi, wambawo adatsika ndi 33,0%, pomwe omasulirawo adakwera 6,2%.

Mwa omwe ali ndi ngongole okwana 1.648 kotala yoyamba, 1.147 ndi makampani (anthu omwe ali ndi bizinesi komanso anthu ovomerezeka) ndi anthu 501 omwe alibe bizinesi, omwe akuimira 69,6% ndi 30,4%, motsatana, mwa onse omwe ali ndi ngongole. Chiwerengero cha makampani omwe bankirapuse adakwera 4,0% m'gawo loyamba la 2019 poyerekeza ndi nthawi yomweyi chaka chatha. Malinga ndi fomu yamalamulo, 81,0% yamakampani omwe adalengeza kuti bankirapuse ndi Makampani Ochepetsa Ngongole. Makampani a 32,9% omwe adalengeza kuti bankirapuse ali mgulu lotsika kwambiri lamabizinesi (mpaka 250.000 euros) ndipo makamaka ndi Makampani Ochepetsa Ngongole.

Makampani obwereketsa omwe ali ndi antchito ochepa

26,1% yamakampani omwe adalengeza kuti bankirapuse ali ndi malonda monga ntchito zawo zazikulu zachuma komanso 14,1% ya ntchito zonse, malinga ndi zomwe boma la INE lachita. Ponena za kuchuluka kwa ogwira ntchito, 53,2% yamakampani onse omwe akuti ndi bankirapuse ali ndi ochepera sikisi. Ndipo, mwa awa, 29,2% alibe antchito. 22,2% yamakampani onse adalengezedwa kuti achita banki kotala yoyamba ali ndi zaka 20 kapena kupitilira apo. Kwa iwo, 22,8% ali ndi zaka zinayi kapena zochepa. Makampani 28,4% adalengeza kuti bankirapuse ndi zaka zinayi kapena zosachepera zakale ali mgulu lazamalonda. Kwa iwo, 55,3% ya omwe ali ndi banki azaka 20 kapena kupitilira apo adadzipereka pazamalonda ndi mafakitale ndi mphamvu, malinga ndi lipoti lovomerezeka.

Catalonia ndi Community of Madrid amawerengera 47,1% ya omwe ali ndi ngongole zonse bankirapuse mu kotala yoyamba ya 2019. Ngakhale zinali choncho, Extremadura idapereka kuchepa kwakukulu pachaka chonse (-42,1%) ndi Illes Balears chiwonjezeko chachikulu (92,6%), malinga ndi zomwe zapezedwa ku National Institute of Ziwerengero (INE). Zina mwazinthu zofunikira kwambiri zomwe zawululidwa mu lipoti lovomerezeka ili ndikuti mu 2019 kuchuluka kwa kotala ndi 10,7%, ndiye nthawi yayitali kwambiri yomwe idaganiziridwa.

Makampani Amasheya Okhudzidwa

Deta ina ikuwonetsa kuti malinga ndi Registry of Judicial and Forensic Auditors (RAJ) a Institute of Chartered Accountants aku Spain, 90% ya milandu ya bankirapuse ku Spain imatha. Ngakhale zili choncho, pafupifupi 70% amaliza chifukwa palibe katundu wokwanira m'makampani omwe angathe kuthetsedwa. Pofuna kulipira ngongole kwa omwe amabweza ngongole. Mchitidwe womwe ungakhale wovuta kwambiri ndipo umafuna kulembedwa kwa akatswiri omwe amadziwa momwe angagwiritsire ntchito kuti akwaniritse zomwe zayendetsedwa ndi khothi.

Mulimonsemo, ndikofunikira kudziwa zomwe ziyenera kuchitika pazochitika izi chifukwa cholakwika chilichonse chitha kukhala chovuta kwambiri kumakampani omwe akukhudzidwa ndi bankirapuse. Kumene sizingayiwalike kuti makampani ena omwe adatchulidwa kapena akupitilizidwabe m'ndalama zazikulu zaku Spain adutsapo. Imodzi mwa milandu yodziwika bwino yakhala ya Sniace zomwe zinaleka kugulitsa zaka zambiri zapitazo kenako ndikuyambiranso misika yachuma. Kotero kuti pakali pano ikugulitsa pansi pa 0,20 euros pagawo lililonse komanso komwe ndalama zazing'ono ndi zapakatikati zasiya mayuro ambiri panjira.

Kodi njira za bankirapuse zimayambitsidwa bwanji?

Imodzi mwa njira zoyambirira zomwe ziyenera kuchitidwa ndikupereka chikalata chodziwitsa anthu zomwe zakhazikitsidwa pamaso pa Khothi Lamalonda a chigawo chomwe wamangawa ali ndi likulu lazamalonda. Ichi ndi chimodzi mwazifukwa zazikulu zomwe iwo akukhudzidwa ayenera kukhalapo ndi loya ndi loya. Chifukwa njira za bankirapuse zitha kutumizidwa mbali imodzi ndi zina kutengera zomwe zingachitike ku kampaniyo. Kumbali imodzi, kuti mpikisano wopereka mgwirizano uyamba. Kodi izi zikutanthauza chiyani? Kampaniyo ikugwirabe ntchito, monga momwe zimakhalira mpaka pano. Momwe imasungilira kuwongolera kapena mabungwe oyang'anira.

Pomwe mbali inayi, mpikisanowo ukhoza kutsegulidwa, koma kuti athetse kampaniyo. Zikatere, zochita zawo zimatha. Komwe kuchuluka kwa woyang'anira bankirapuse kungakhale kuyang'anira kuthetseratu bizinesiyo kuti alipire ngongole kwa omwe adamupatsa ngongole. Monga mabungwe oyang'anira mabungwe azachuma, amalowedwa m'malo ndi woyang'anira. Mwanjira ina, pali kusiyana kwakukulu pakati pakusankha mtundu wina kapena wina pakuwongolera mpikisano wamachitidwe. Ndipo ndizomwe ziziwonetsetsa kuti ntchitoyi ipambana kudzera mwa ovomerezekawa.

Imodzi mwa njira zoyambirira zomwe ziyenera kuchitidwa ndikupereka chikalata chodziwitsa anthu zomwe zakhazikitsidwa pamaso pa Khothi Lamalonda a chigawo chomwe wamangawa ali ndi likulu lazamalonda. Ichi ndi chimodzi mwazifukwa zazikulu zomwe iwo akukhudzidwa ayenera kukhalapo ndi loya komanso loya wake.


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