Ukuhlaziya engenayo kanye nezindleko ibhizinisi njengoba ithuluzi kwezinhlekelele

Kuze kube manje, kunzima anele ebhizinisini ngalinye umbuzo izingozi yangaphakathi, ixhunywe futhi umsebenzi zimali, futhi nge imisebenzi ezibonakala isimiso ajwayelekile efana ukuhlaziya imali kanye nezindleko ibhizinisi, ngoba ngisho imithombo ezisemthethweni zonke izinhlobo izingozi, njengoba umthetho ubilise phansi into eyodwa - ukukhiqizwa nezobuchwepheshe (izingozi, imishini ukwehluleka). Kodwa akukho kuyingozi kancane umbolekisi nezingozi kwangaphandle ibhizinisi, ubunjalo elisemandleni Ukuwohloka kwezimo ukuphathwa ezomnotho kanye zezimali, ucabanga of nabo ebhizinisini, ushintsho ngokuya ezivumelwano, lwemali uthuthumele, kanye nezinye izimo ukuthi ngandlela-thile kube inkimbinkimbi ukuhlaziya of izimali kanye nezindleko ibhizinisi. nomthelela omubi kakhulu ukuhlaziywa of izimali kanye nezindleko futhi sithinta izinga lokwehla kwamandla emali.

Lesi sici nemisebenzi utshalomali, ezifana kwengozi, kudinga ukubhekelwa ngokuthi le nkinga ngasohlangothini bonke abathintekayo utshalomali, kokubili ebhange kanye umboleki. Nokho, ibhange, njengoba umthetho, inendima enkulu e inqubo kwezinhlekelele, njengoba inhlokodolobha lenhlangano credit njengengcebo enkulu kunemicebo Initiator of utshalomali, kanye ngenxa amabhange ezinkulu ube nesipiliyoni esiningi ukuhlaziywa kahle kwezomnotho yephrojekthi, nakwamanye nezindaba amaphrojekthi utshalomali , okuyinto ngokungaqondile kuthinta ukuhlaziya imali yenkampani emisebenzini utshalomali.

Phakathi main engcupheni yasebhange utshalomali abolekise, ejwayelekile ye Russian Federation yilezi ezilandelayo:

• ngamabhange ezimweni yesimanje komgomo wokuboleka amabhange ngezimali ukuxazulula izinkinga eziningana ukukhomba nokwehlisa izingozi eziba khona ukuqaliswa utshalomali obolekisayo. Kodwa ukungaqiniseki eliphezulu imvelo ibhizinisi, ukwencika yayo phezu ubushiqela, eyinkimbinkimbi, lobuchwepheshe elikulesi sihloko imali ukuhlaziya kanye ibhizinisi imali, zidinga ngezimali amabhange ngcono ikhwalithi kwezinhlekelele, kuba imfuneko ebalulekile impumelelo kwamabhizinisi kanye ukuncintisana ebhange.
• Credit izikhungo nokunikeza izinsizakalo abonge amaphrojekthi utshalomali kwenziwe zonke abiwa Umbono wokuthi izigaba kwezinhlekelele kusuka ukuhlonza ubungozi ekulungiseleleni izicelo izimali iphrojekthi utshalomali ukuhlola imiphumela yokuncishiswa esikhathini zokuqapha phrojekthi. Kodwa-ke kumelwe kuqashelwe ukuthi luhlala ngesikhathi okusezingeni eliphezulu ezingeni isikweletu, okubonisa isidingo ukuthuthukisa utshalomali credit kwezinhlekelele inqubo.

Ukuze kwenziwe ngcono ukuphathwa ingozi lesikhungo credit izindlela elandelayo ukunciphisa izingozi ozofakwa ukuqaliswa obolekisayo yasebhange utshalomali:

1. Ukukhishwa eyisipele (uyazikhethela) credit. Indlela ezihlongozwayo kuzonciphisa ingozi ngaphansi ngemali yephrojekthi utshalomali ngoba lo muntu obolekayo; futhi ihlangano credit uzokwazi uthole okwengeziwe isithakazelo imali, nokwehlisa kungenzeka isikhathi nezimali zethu ukuze izicelo sesikweletu ukuthola ukwesekwa ngezimali okwengeziwe yephrojekthi utshalomali.
2. Kuyadingeka ukuba uvule isiphetho akhawunti kuzo zonke abahlanganyeli enkulu kumaphrojekthi utshalomali ebhange ukuze afeze ngezimali ukuthengiselana. Lokhu kuzonika ikhono ukulandelela notshwala yemali izinsiza ukuqhuba inqubo yokubala ngokuphumelelayo eyenziwa ngesikhathi ukuqaliswa kwe-project utshalomali, kanye uze ukwazi kuholele izindleko omkhulu izinsiza umboleki futhi ushintsho iphrojekthi izimo ngezimali maqondana kokuqina kubo.
3. Izivumelwano ukuthengwa imikhiqizo noma amasevisi nephrojekthi ngezigaba. Le ndlela kuzovumela yokwandisa ukuhlaziywa engenayo kanye nezindleko ibhizinisi, ukubala izinkomba of nekusebenta ukutshalwa kwezimali ngesisekelo ukwakhiwa kuthengiselana enembile nakakhulu kwemali kwiphrojekthi.

Ngakho, wakha kahle isu kwezinhlekelele, ukhonza njengethuluzi eliphumelelayo ukukhuthaza ukuphathwa ngempumelelo sezulu.