Imodeli amagoli yokuhlaziya creditworthiness of umboleki

Cishe wonke umuntu oseke wathola nokwenqaba imali-mboleko, kwimenenja wezwa la mazwi: "Uthe lesi sinqumo senziwa amagoli uhlelo. ukuthembeka kwakho njengomsunguli izibalo umboleki akuzona efanele. " Uyini lo mthetho ukuthi amagoli enjalo futhi kanjani "credit umtshina" ukuze "lemihle kakhulu"? Ake sizame ukuqonda.

Uhlolojikelele

Ngakho, lokho beshaya? Lokhu uhlelo esiyingqayizivele yokuhlaziya ukuthembeka umboleki, ngokususela enombolweni nemingcele. Lapho umuntu osebenza loan, into yokuqala enikela ukwenza - ugcwalise ifomu. Uhlu lwemibuzo basungula ngesizathu esithile. Lona ukuhlolwa imodeli amagoli ngokuhlukumeza okunamandla umboleki. Kuye ngendlela aphendula ngayo for ngakunye inikezwa inamba ezithile amaphuzu. Lapho, ayanda amathuba isinqumo esihle lokunikeza imali.

Lapha kukhona caveat. Uma une umlando credit negative ke izimpendulo ezengeziwe zemibuzo futhi inani lamaphuzu ngokuvamile azinandaba. Kakade leli qiniso kukodwa kwanele ukwenza ukwenqatshwa.

Beshaya emigomweni emabhange zamanje

Noma yimuphi imodeli amagoli asetshenziswe uhlelo credit, owethulwa ukuze bathole lezi imiphumela:

• ukwandisa kuphothifoliyo loan ngenxa ukwehla isabelo Ukuphika engenabulungisa ukubolekisa;
• ukusheshisa izinqubo nokuhlolwa bezikhali umboleki sika;
• nokwehlisa non-buyiselo kwezimali loan;
• ngcono izinga kanye ukunemba umboleki;
• isitoreji eyodwa idatha kwi iklayenti;
• wehlise e Reserve inani kungenzeka credit ukulahlekelwa;
• ukuhlolwa kwe-Dynamics izinguquko ngabanye credit akhawunti kanye Imininingwane loan iphothifoliyo iyonke.

Credit Score: Isebenza kanjani?

Ukuze afeze lezi zinhloso e-Bank isebenzisa credit amagoli imodeli ukuhlolwa. Kuhilela ukubhekana nomphumela othize ekuhanjisweni umphumela nokuchema ngokumelene umphathi noma usole abasebenzi ebhange.

Cishe lonke ulwazi yethulwa kuleli fomu kufanele kuqinisekiswe ukuba khona imibhalo. Umphathi webhange wenza kulokhu indima luyingxenye lobuchwepheshe - ingena idatha ohlelweni. Lapho zonke izinto lemibuzo uzoqala spin, uhlelo kukhompyutha sinquma futhi ubonisa yi - inani lamaphuzu onayo. Khona-ke isimo angagcina ngezindlela ezahlukene.

Uma kukora amaphoyinti amancane kakhulu, ungaqiniseka iyawumphika loan.

Inombolo amaphuzu kwenzakala ephakeme kakhulu kwesilinganiso? Uma isamba semalimboleko incane, isinqumo zingafundwa kuyo leyo ndawo. Uma ufaka isicelo isamba pretty umxhwele, uzobe umemezele ukuthi esigabeni sokuqala isivivinyo sekudlule, futhi isicelo zabelwe abophiko lwezokuphepha ebhange.

Inombolo amaphuzu "sintanta" poseredinke? kungenteka kuholele azodinga co-Osayinile noma iqoke uchungechunge imigoqo engeziwe Umphathi kuyinto.

izinhlobo amagoli

Ngokuvamile, imodeli amagoli siqukethe eziyisikhombisa izinhlobo kokuhlaziywa, ezine lekungiko ngesikweletu, ezintathu - emakethe. Ukuze abolekise onomkhuba isici zalezi zinhlobo amagoli:

1. On izicelo (Isicelo-beshaya). Le modeli uvame esetshenziswa ukuhlola nokwethenjelwa solvency amaklayenti. Yakhiwa, njengoba kuye kwashiwo, ku kokuhlaziywa kwamathenda lemibuzo nemikhulu nokwabela impendulo ngasinye sihambisane inani lamaphuzu.
2. Ukukhwabanisa (Ukukhwabanisa amagoli). Kuyasiza ukubala nabakhwabanisi ezingaba, ngubani wakwazi ukudlula esigabeni sokuqala sokuhlola. Izimiso, izindlela kanye zezindlela zokuhlola lokukhwabanisa kukhona imfihlo ukuhweba ngayinye ebhange.
3. Ukubikezela ukuziphatha (yokuziphatha amagoli). Lapha ukuhlaziywa ukuziphatha umboleki sika maqondana loan, ematfuba izinguquko ukukhokhelwa. Ngokusho imiphumela kokuhlaziywa kwenziwe ukulungiswa we esiphezulu loan lemali.
4. Sebenza izimbuyiselo (Collection amagoli). Le modeli lisetshenziswa inkinga ukubolekisa, phezu ezingakhokhwanga isikweletu ukubuyiswa kwemali isigaba. Lesi simiso sisiza ukudala Uhlelo lwezinto ezizokwenziwa sokukhokha imali ebolekiwe kusukela isexwayiso kumuntu yokudlulisela phambili ekhotho, namkha nokuqoqwa kwezikweletu amafemu.

I nezinye izinhlobo ezintathu zimi kanje:

1. Oku-ukudayiswa ukulinganisela (Oku-Yamadivayisi) - ikhomba umboleki engaba idinga, esivumela ukuba simnikeze i eyodwa eyengeziwe noma omunye umkhiqizo.
2. Impendulo (Impendulo) - ucubungula ematfuba kwemvume wekhasimende ngohlelo abolekise ezihlongozwayo.
3. Ukuhlolwa yokukhathala (ukuzithumela kwezinye izindawo nokufa) - kuhlola kwekusebenta kubukwe amathuba ukuthi ikhasimende uzoma ubuhlobo babo ibhange kulesi sigaba noma esikhathini esizayo.

Okumbi beshaya uhlelo

Kuhlola creditworthiness abantu has nezihibe. Lowo oyinhloko wukuthi uhlelo akuyona lugucugucuke nengenawo ingashintshwa ukuze nemingcele langempela. Ngokwesibonelo, imodeli amagoli yokutholwa e-United States, uyokhulula amaphuzu aphezulu umuntu ngamunye, ukushintsha inani elikhulu imisebenzi. Umuntu onjalo kubhekwa onguchwepheshe emangalisayo bayindlala kakhulu emakethe yezabasebenzi. Kepha thina leli qiniso izodlala ihlaya elibi ngu umboleki. Abantu abaningi amaphuzu uzothola indoda nge ukungena eyodwa kuphela labasebenzi. Uma umboleki ngokuvamile ukushintsha abaqashi, kubhekwa alithembekile, isilwi nokubi umuntu. isilinganiso sakhe emehlweni ibhange liyana ngokushesha kudalwe ukuxoshwa olandelayo ungahle ulandele umsebenzi omusha, okusho ukuthi ukubambezeleka kwezinkokhelo uzoqala.

Ukujwayela uhlelo ukukhulisa inhlanzeko yendawo esasihlala kuyo, imibuzo yokuhlola kumele bente ochwepheshe esigabeni esiphezulu kanye ziqu. Kodwa zonke imiphumela eyatholakala ngale ndlela, usazoba sincike imicabango yabantu nethonya indoda. Ngakho ukuhlolwa ngokuphelele ongakhethi namanje akusebenzi.

Ngakho iyiphi isistimu yamaphuzu has bokwenza okungenani ezimbili:

• zibiza okuzivumelanisa namaqiniso okuphila kwanamuhla;
• kwethonya subjective uchwepheshe umbono kukhethwa amamodeli ikhasimende yokulinganisa.

Ngaphandle kwalokho, uhlelo kokuhlaziywa futhi aluphelele. Iqiniso lokuthi amagoli uyakucabangela kuphela isimo esisemthethweni. Uhlelo akakwazi ukuhlola ngokoqobo ngendlela efanele. Ngokwesibonelo, uma iklayenti has a egunjini elincane ohlanganyelwe phezu Arbat, uhlelo bayinikele amaphuzu aphezulu. Phela, kukhona eMoscow yokuhlala semVumo yokuhlala maphakathi. A inxuluma ngamamitha square abayizinkulungwane ezimbalwa, etholakala edolobhaneni elincane ogwini woLwandle Olumnyama, uhlelo ubizwa ngokuthi "indlu edolobhaneni" futhi kuyonciphisa isilinganiso bikho ukubhalisa eMoscow.

Hlobo luni Idatha wokwakha imodeli

Ezimweni lapho ukuhlolwa creditworthiness of abantu zemvelo, umsebenzi ebhange kumele kwesekwe ezimisweni eziningi zindlela. Bonke zingahlukaniswa ngamaqembu amathathu, ngayinye okubandakanya inombolo izinkomba.

Okomuntu siqu:

• idatha ipasipoti ;
• isimo somshado;
• mbuzeni
• phambi kwezingane, iminyaka yabo kanye nenombolo.

wezimali:

• inani avelele imali nyangazonke;
• endaweni yokusebenza, isikhundla;
• inani amarekhodi encwadini yomsebenzi;
• inkathi yokuqatjhwa inkampani yokugcina;
• encumbrances (izikweletu ukubolekisa oluvelele, nesondlo nezinye izinzuzo);
• khona amakhaya siqu, izimoto, ama-akhawunti asebhange zabo futhi imali.

ezengeziwe:

• ukuba khona imithombo eyengeziwe imali, hhayi kuqinisekiswa imibhalo;
• kungenzeka yisiboniso;
• neminye imininingwane.

Imodeli amagoli yokuhlaziya creditworthiness of inhlangano engokomthetho yakhiwe ngendlela ehlukile kancane. Lapha nemingcele ukhiye ezibhekwa wokusebenza kwezimali. Kodwa njengoba zingakapheleli kubalwa kusukela imibiko umkhankaso wezimali wesicelo, lapho kwenzeka bona kungase kushintshwe. Njengoba sazi lokhu kungenzeka ukuhlolwa Inhloso ziyancipha kakhulu. Ngakho-ke, ukuhlola izinhlangano ezingokomthetho ezisetshenziswa amagoli nokusebenza ashukumisayo.

Isinyathelo sokuqala kusekelwe ukuqoqwa kolwazi ukuthi awukwazi ukubala nemingcele impahla. Bahlanganisa sokuthakazelelwa, isikhundla emakethe, isazi imibono ukuzinza ezezimali nezomnotho.

Isinyathelo esilandelayo - kwencazelo izinkomba zezimali. Lapha sifunda okungu impahla ibe yimali, imali siqu, izinkomba umgomo ukuzinza kwezezimali, inzuzo, inzuzo izimali nokunye.

Ngokusho imiphumela kwezivivinyo ezimbili ezimele ibhange enquma lokunikeza loan.

Ngubani ongathola amaphuzu aphezulu

Uma sikhuluma nabantu, kukhona ke kokuhlaziywa umboleki nalo kwenziwe ngezindlela eziningi. Kunezici eziningi ezingase omuhle kuthinte isilinganiso:

• iholo eliphezulu;
• kokuba indawo yalo nezinqe ezingagudluki;
• yokuhlala njalo okwesikhathi eside endaweni ethize;
• khona imali;
• ubufakazi obubhalwe imali;
• khona ekhaya ifoni yasendlini umsebenzi;
• Ukuqinisekiswa umsebenzi, ikakhulukazi ahulumeni futhi engxenyeni kahulumeni;
• I-akhawunti evulekile (idiphozi, impesheni, kubalwa) ebhange ayemkweleta;
• khona semali ukukhokhelwa kusengaphambili lapho ukuthola a mortgage noma imoto loan;
• ithuba lokuhlinzeka iseluleko, co-umboleki noma yisiboniso;
• kakhulu emlandweni wezikweletu.

Indlela ukukopela uhlelo futhi kungase kwenziwe?

Kukholakala ukuthi uma ukuhlolwa oyokwenziwa umshini soulless, kungenzeka ukumkhohlisa, ukuthola kusengaphambili izimpendulo "kwesokudla" zemibuzo. Empeleni, kuze kube kuwo.

imodeli beshaya iklayenti ukuhlolwa wakhiwa ngendlela yokuthi zonke izimpendulo zemibuzo kungaba ihlolwe ngosizo imibhalo efanele. Ngaphezu kwalokho, amabhange zivame ezihlanganiswe lonke network bese ulahla Imiphumela yokuhlolwa kwabo kwelinye uhlelo ezivamile. Ngakho uma e inqubo phambili ukukhohlisa yokuqinisekisa uyokwambulwa, engu- ngokugqamile bazothola idumela lakho umboleki. Akukho ndawo futhi ungalokothi ingabe uthole imalimboleko.

Bahlobise ngokoqobo Ungazama kuphela esimweni lapho idatha kuphela emazwini iklayenti afakiwe ohlelweni. Nokho, ukuthola ibhange enjalo kunzima, futhi kukhona isithakazelo extortionate ukuze wena ungafuni ngolwakho udumo ke.

Amaphuzu futhi credit umlando

Uma sicabanga ukuthi okungenani kwesigamu sabantu bezwe lakithi isivele waba nokuhlangenwe nakho kokusebenzisa loan phakathi kwababusi lokuqala ukuthela inkomba nokuhlola umboleki, njengoba umlando credit. Kusukela BCI isikhashana agcwaliswa nge idatha mayelana ababoleka kwezikhungo microfinance nezinye izikhungo ezifanayo, emakethe uvele onobuhle amagoli, kushintshwe i-khona kanye isimo Umlando wokukhokha kwemali.

Letindlela ukulinganisa ematfuba ezizenzakalelayo ababoleka kwezimali, okuvela kuyo ubuhlongandlebe, ubuningi phindisela ezibolekiwe kanye neminye imingcele.

Ngaphezu kwalokho, iBhange unikeza isevisi ulwazi othomathikhi mayelana namakhasimende. Ngekuxhuma inkonzo enjalo, ibhange ukwazi:

• kuvulwa akhawunti yiklayenti kwezinye isikhungo sezezimali;
• irisidi imali entsha;
• okuvela iyiphi ubuhlongandlebe;
• idatha okusha ipasipoti iklayenti;
• ukushintsha imikhawulo akhawunti, amakhadi okuthenga ngesikweletu nokunye.

Lokhu kuzokwandisa ulungise simiso yasebhange amagoli futhi uthole ulwazi esiphezulu mayelana ababoleka ezingaba khona.