Izincwadi wesikweletu - Kunzima, kodwa enokwethenjelwa kakhulu

Sizwile sonke ukuthi ukuthuthukiswa nzile isimiso sezomnotho ngokuyinhloko elinesimo esitebeleni yasebhange wemboni. Yingakho uhulumeni yamazwe amaningi nge athuthukile ezimakethe zomnotho kakhulu neqhaza ekuthuthukiseni izinhlelo zamabhange yezwe. Yingakho zonke izinhlangano ezingokomthetho bhalisiwe wahlanganyela uhlobo oluthile lokuvivinya kwezomnotho, kudingeka ukuthi ube wamanje akhawunti yasebhange ukwenza izinkokhelo izinhlangano, amabhizinisi, osomabhizinisi yangasese, izikhungo zemali, isabelomali kanye nezimali extrabudgetary. Ngakho ukuthandwa non-cash izinkokhelo ngokusebenzisa ebhange, phakathi lapho Incwadi wesikweletu.

Umhlaba umkhuba lwasebhange imithetho futhi yasemazweni amaningi, kuhlanganise Russian Federation, kukhona amafomu alandelayo kwemibhalo kuhlalwe:

• izibalo ngaphansi Credit;
• Ama-oda iqoqo ;
• amanothi promissory;
• amasheke;
• Ama-oda imali.

Ifomu elula futhi ajwayeleke kunawo wonke yokukhokha amabhizinisi amaningi kanye nezinkampani yisona esikhulunywa abantu abaningi inkokhelo ukuze. Kuyinto le ndlela avame ukusetshenziswa njengoba efeza imisebenzi endaweni umbuso owodwa. Nokho, uma uqala ukusebenza namaklayenti angaphandle, leli fomu iyeke ezikufanelayo, futhi kusikhumbuza Incwadi wesikweletu.

Lapho engena amazwe ezifana umbandela malula isivele kancane ezikhangayo kuqhathaniswa nokwethenjelwa zomthetho futhi babe nemisebenzi nokulondeka ngokwezimali. Nakuba ukuthengiselana namanye amazwe (ukuthekelisa ungenise) zibizwa kabanzi njengendlela incwadi wesikweletu izinkokhelo namaqoqo, ihlangana engcono nalezi zindlela namanje incwadi wesikweletu. Popular lokhu ukubala futhi yokuthi nokwethenjelwa amafemu angaphandle uncamela ukusebenza imigomo lokukhokha ngaphansi Credit.

Nokho, amabhizinisi amaningi lomthetho ngeke ixazululwe ku indlela yokukhokha, ucabangela kungokuhluke yenkinga futhi kubize kakhulu. Nokho, ngaso sonke isikhathi kufanele ukhokhe ukuze bazivikele izingozi, kodwa izinzuzo olunikezwa incwadi wesikweletu yokukhokha, ezifana 100% yokukhokha izimpahla idayiswa futhi 100% uvumelana nayo yonke imigomo nemibandela yesivumelwano zombili, kufanele uhlole.

Incwadi ka-Credit - kuyinto indlela yokukhokha non-cash, okuyinto eyenziwa ngokuphelele ngaphansi kokulawula Bank, njengoba kulandela:

1. Njengoba wasayina inkontileka, umdayisi ngaphambi mpahla kwezimpahla kudinga umthengi ukuvula incwadi wesikweletu egameni lakhe. Umthengi iphila ngokuvumelana nale mfuneko ngokusebenzisa ebhange lakho.
2. Ibhange, okuyinto ubambisana umthengi kuvula incwadi wesikweletu (akhawunti yasebhange kwelinye ibhange, ngokuvamile ebhange, okuyinto wakhonza ngumthengisi), ngidlulise lemali nomthengisi, kodwa hhayi i-akhawunti yamanje, futhi incwadi ka-credit. le mali ayitholakali umdayisi uze uthole into.
3. Ibhange kuvula incwadi wesikweletu. Lokhu kwaziswe umdayisi. Kwaze kwaba ngemva kokuba yayiqiniseka ukuthi inkokhelo ngumuntu L / C lutholakala akhawunti, izimpahla silethwa kumthengi, futhi nemibhalo eyesekayo ithunyelwa ebhange, okuyinto ibambisane umdayisi.
4. Ibhange ithumela imibhalo ebhange yomthengi ukuqinisekisa ukuthi bayahambisana nomthetho obizwa nge uhlamvu wesikweletu.
5. On wamanje akhawunti Umthengisi uhlu kusho izimpahla ithengiswe, umthengi ithumela idokhumenti ukuba izimpahla. Kungaleso sikhathi kuphela lapho kungenzeka ukuthola umkhiqizo kanye asisuse.

Incwadi wesikweletu amasudi umthengisi (ibhange othola imali izimpahla kusengaphambili, ngaphambi ukulethwa) kanye umthengi (imali kuphela adluliselwe nekuhambisana inkontileka).

Incwadi wesikweletu Kwenziwa ngokuvumelana nemithetho, phakathi okuyinto ebaluleke kakhulu, kubalwe, ezifana imininingwane saziso nezikhathi zokukhokha. Lezi kanye nezinye okusetshenzelwa sencwadi wesikweletu imibhalo njalo uchaziwe futhi ulawulwa yi-National Bank of state. ERussia, le mithetho zingatholakala ngokuhlola weMithethonqubo non-cash ukuthengiselana.