Ukuguqula uhlelo abonge kanye nokungena kwemali

izidingo oguqukayo of abasebenzisi ukwenza yasebhange abahlinzeka ngemisebenzi ukuba bandise amasevisi ukuthola izixazululo ezintsha ukwandisa imali eyiphinda sabantu, elihambisana izidingo lomthengi ngamunye. Uma kuziwa ekuthuthukiseni umsebenzi ebhange, kubalulekile, okokuqala kunakho konke, ukuqinisekisa ukuthi kunokuncintisana ezihlongozwayo credit izakhiwo kanye ukuqhathanisa le imali eyiphinda yangempela sabantu. IBhange lidinga indlela ngokuphelele ukuba creditworthiness ukuhlaziywa wekhasimende, ukulawula target ukusetshenziswa udumo, umklamo lesifanele eyodwa yokuqinisekisa loan nezinye.

Kufanele kuqashelwe ukuthi isimo samanje yezwe kukhona izinkinga eziningi enquma isimo ibhange sisonke ngokukhethekile credit yayo imisebenzi ukuze abantu. Ukuxazulula kubo, udinga uhlaka ngempumelelo ngaphezulu zomthetho, zokulawula kanye methodological isakhiwa kokubili yibhange futhi Central Bank.

Injongo eyinhloko ayingqalasizinda wokuphathwa kwezimali iwukuba ukwandisa ezingeni abanikazi ingcebo injongo lonke uhlelo yasebhange lula ukuthi imali sabantu Russian Kwamiswa ukunikeza ukwaneliseka uyakufanelekela izidingo zomphakathi.

Ngoba noma yisiphi yasebhange, ukulawula senkokhelo imalimboleko - oluyisisekelo inqubomgomo credit ebhange zentengiso.

Uhlaziyo Dynamics umthengi credit eminyakeni embalwa edlule kuye kwabonisa landa ngevolumu kulolu hlobo lwenkonzo, kodwa lapho kuqala US kunezinkinga zemali, amabhange amaningi abhekana nenkinga edonsa angaphandle credit izinsiza ngokushesha kubonakala abolekise amavolumu futhi Yiqiniso, kwathinta imali eyiphinda sabantu. Tightening izimfuneko ababoleka, umisa sesikhashana ku ezithile ukubolekisa, ekuphumeni zenzalo uholé yokwenqatshwa komthwalo ngesilinganiso uboleka abantu kulo lonke lelo zwe.

Omunye izinhlobo ethembisa kakhulu umthengi credit kuyinto abolekise yenkampani, lapho abantu zinikezwa loans for ezihlukahlukene umthengi ukubolekisa ngaphansi isiqinisekiso umqashi, ukuthi kungaba ngokuphawulekayo ezithinta imali sabantu futhi oyiyo. Esinye isici esibalulekile ekuthuthukiseni indlela umthengi credit, ebheka imali sabantu, ukuthuthukiswa ubudlelwano ebhange kanye izinkampani zomshuwalense kanye ukwedlulela umshwalense impahla kanye yomshuwalense impilo umboleki sokukhokha imali ebolekiwe ngqo ingozi e uboleka sabantu. Lokhu oluthile lomshuwalense ihlinzeka isiqinisekiso onokwethenjelwa ibhange ngesimo umshwalense, kanye nokuphoqa umboleki ukuba acabangisise ikhono lakho ukuba abuyisele ukubolekisa ngesikhathi. Ngaphezu kwalokho, ibhange ukuze kuqinisekiswe ukukhula komnotho okusimeme kuyadingeka ukuze bandise imali ebhange emphakathini, ngcono ikhwalithi ingozi uhlelo lokuphathwa ngokuya ngesikweletu ukukala, ngcono ikhwalithi yamasevisi credit, ukunciphisa yasebhange abolekise rates, ukuze sikhuthaze ukwanda share imali yasendlini emabhange ngezithukuthuku ezifakwa ukwandisa ngamabhange 'credit ezingaba khona.

Njengoba enye indlela yokonga main ngokuvamile kuphuma ngokukhululekile Convertible ukuthenga izimali zakwamanye amazwe kanye sebethule kwalo okwalandela. Inzuzo currency angaphandle ukuthenga okwenziwe up loshintsho ku ruble exchange rate kanye zenzalo yokuzigcina ezifakwa ngalolo hlobo lwemali.

Okwamanje, i-Bank inikeza izinhlobo ezahlukene ezifakwa kokubili ruble futhi izimali zakwamanye amazwe. Empeleni, igama elithi ka idiphozi - kuze kube isikhathi esingangonyaka, kwathi ngo-eside - kuze kufinyelele eminyakeni emi-3. Futhi inikeza ezihlukahlukene izinhlobo zenzalo ku imali. Kungaba fixed-rate, elintantayo, ne ofeleba kwezinhloso zenzuzo, nge izinkokhelo zenyanga, inkokhelo wekota ngesicelo zimali.

Labantu uthembele ngaphezulu uhlelo yasebhange, futhi ngokuvamile ukhetha ukutshala imali khulula ebhange for imali ezahlukene zezimali kazwelonke angaphandle, njengoba ikuvumela ukuthola imali eyengeziwe emalini elihlehlisiwe. Nokho, isimiso samanje eqinisekisa izimali bakhangwa amabhange, is kunalokho nzima. Kusengenzeka kude kokuphothulwa lasungulwa.