Imali mboleko engasebenziyo enikezwe ngamaziko emali asebenza eSpain kwiintsapho nakwiinkampani zivaliwe ngenyanga kaMatshi nge-8,83%. Ngapha koko, yenye yeefayile ze- awona manqanaba asezantsi kule minyaka mihlanu idlulileyo. Nokuba kuyinciphisa nge-0,32% xa kuthelekiswa nenyanga edlulileyo. Ukuya kwinqanaba lokuba ibonisa ukuba ubugwenxa buphantsi kolawulo olukhulu ukuba sibambelela kwezi ntshukumo kwimali yokuhamba kwemali. Ehambelana nesigaba esandayo saseSpain.
Oku kungqinwa yidatha yakutshanje ebonelelwe yiBhanki yaseSpain. Apho kufunyaniswa ukuba iikhredithi ezingahlawulwanga kwiibhanki, kwiibhanki zokonga nakumashishini ancitshisiwe kwinyanga ephelileyo kaMatshi ukuya kuthi ga kwi-111.764 yezigidi zeerandi. Ukuziqhelanisa, kuthatha ukuba eli nqanaba lobugwenxa yayizizigidi ezingama-3.320 ezigidi zeerandi ngaphantsi kwinyanga ephelileyo. Ngokuphucuka okubonakalayo malunga nedatha epapashwe ukusukela ngo-2011. Okubonisa kukuba amatyala angahlawulwanga akabalulekanga njengakwiminyaka edlulileyo.
Ezi datha kwi Amanqanaba okusombulula usapho lweSpanish kunye neenkampani Oku kubaluleke kakhulu kangangokuba kube ngumqondiso othembekileyo wokufika kweenkqubo zokulungisa kuqoqosho lwelizwe. Ukuya kwinqanaba lokuba yayisesinye sezilumkiso eziphambili ezenzeka phakathi ku-2000s malunga nokuqhambuka kwengxaki yezoqoqosho enzulu. Apho amaqondo olwaphulo-mthetho abonakaliswa kwimali mboleko engahlawulwanga kwiibhanki, iibhanki zokonga kunye nookopolotyeni bafikelele kumanqanaba obunzima obukhulu. Ngokuchasene neentshukumo zonyaka ezibonisa imida ekhululeke ngakumbi. Ngenxa yokuba ubugwenxa bukhulu, umngcipheko wokungena kwinkqubo yokulungisa uqoqosho, njengoko kwenzekile ngokwembali.
Ukuqina komthetho wobugwenxa
Ngaphandle kwedatha elungileyo ebonakaliswe yibhanki ekhupha iSpanish, ayisosithintelo kwinto yokuba imigaqo iye yaqiniswa ukuthintela ezi ntshukumo ekuhambeni kwemali ekubeni nako ukufikelela kwiinkampani ezininzi okanye abantu. Kuba, ngokungathandabuzekiyo, iQela elithandwayo licebise inyathelo kwiCongress elona njongo yalo iphambili ikukulwa "nokulibaziseka kweentlawulo ngenjongo" ngokubhekisele kubabolekisi kunye nabathengisi, ngokusisiseko. Ngemvumelwano yamaqela ohlukeneyo ezopolitiko abona ithuba kuphuhliso lwalo manyathelo.
Akumangalisi ukuba esi sesinye sezona zinto zibangela izizathu Ukuchithwa kweenkampani. Ngenxa yokunyuka kweendleko zenkampani kunye nezizikhokelela ekubeni zibandakanye ilahleko enkulu kwingxelo yengeniso. Ukuya kwinqanaba lokuba uninzi lwazo alunaso esinye isisombululo ngaphandle kokuvala umgca weshishini. Ngokungagqibekanga okungqinelanayo phakathi kwabanikezeli okanye abathengi.
Ukulwa nokuthintela
Ukuthintela ezi meko zinqweneleka kakhulu koosomashishini, kwisigqeba sikazwelonke bayathemba ukuba esi sicelo singekho mthetho siyakunceda ekuphakamiseni ulwazi kubemi bale ngxaki inkulu ngokubhekisele kulwakhiwo lwentlawulo. Ngenxa yoku, uyilo lwe amaphulo afundisayo okulwa ubugebenga, njengesixhobo sokuthintela. Njengesidingo sokuhlangabezana nexesha elibekiweyo elisayiniweyo kwisivumelwano. Ukuze kwenziwe ngokuchanekileyo ukusebenza koqoqosho kuveliswe kwaye kunokuxhamla imveliso yelizwe.
La manyathelo ayancedisana nenkqubo ebonelela ngolwazi olungcono nolungcono ekunokusekwa kulo izenzo zabasebenzisi bale nkonzo. Kwaye apho zonke iinkqubo ezibuyayo okanye ubuqhetseba njengendawo ekubhekiswa kuyo zineziganeko ezizodwa. Kodwa ikwachaphazela ngendlela ethatha isigqibo ixabiso lenkampani. Ukwenza naluphi na uhlobo lwendibaniselwano okanye ukufumanisa nje nasiphi na isiphoso ngokubhekisele kubume bezemali kwiiakhawunti.
Izisombululo zeenkampani
Ngale ndlela, banokuxhamla kuluhlu olubanzi lwezinto ezikhoyo ezifumanekayo kwiinkampani. Ukuze babe nazo zonke iintlobo zezisombululo zokuqhuba ishishini labo okanye imisebenzi yobungcali. Ngokusisiseko ngenkxaso esekwe kulwazi eya kuba luncedo olubonakalayo ekumiseni izigqibo zabo nangaliphi na ixesha nakwiyiphi na imeko. EquifaxInkampani ekhokelayo kwizisombululo zolwazi ngetyala zeenkampani kunye nabathengi, okwangoku inenkonzo ye-ASNEF Empresas.
Yinkonzo yobungcali ebonakaliswe ngokusisiseko kuthintelo lwezi meko iinkampani ezincinci neziphakathi ezinokuhamba kuzo. Ukuya kwinqanaba lokuba ibandakanye inkqubo yokulumkisa elindele naluphi na utshintsho kwisolvency yabathengi. Ukubonelela ngolwazi ngokubaluleka okhethekileyo kumanqanaba okuhlawula amatyala kunye nokusombulula ingxaki enokufunyanwa yinkampani okanye abasebenzi abaziqeshileyo nangaliphi na ixesha. Kananjalo ngokubhekisele kwezinye iimeko eziqhelekileyo. Umzekelo, amatyala angene kwimibutho yoluntu okanye nasiphi na isiganeko esinokuhanjiswa kwiinkampani ezikwiRegistri yeMercantile.
Ngokuchasene nabakhuphisana nabo
Ukutshintsha kwecandelo kuvelise ukuba kuthathelwe ingqalelo ezinye iimfuno zeenkampani. Kuba, enyanisweni, kukwakho neenkqubo zentengiso ezintsha, ezinje ngokuba kubizwa ngokuba ngumngcipheko. Apho ku imeko yobugwenxa ithathelwa ingqalelo ngokukodwa. Kodwa kule meko, ukongeza isimilo esipheleleyo sequmrhu ngokubhekisele kwabo sikhuphisana nabo kumacandelo abo okanye kwimigca yeshishini.
Ukufezekisa ukusebenza ngokukuko kwinkqubo, isicwangciso sabo esiphambili kukuthathela ingqalelo ezona zibonakaliso zibalulekileyo zeshishini. Ke ngale ndlela, ukuthembeka kuphezulu kunezinye iindlela zokulinganisa. Enye yeziphumo zeli qhinga kukuba ezona ndlela ziyimfuneko ziyenziwa ukuze oosomashishini bakwazi yenza ezona zigqibo kuwo wonke umzuzu. Ngokuchanekileyo kusetyenziswa ulwazi, ngeendlela eziphambili zetekhnoloji.