-umlenze - ntoni na nendlela Kubalulekile ukuba urhulumente

Kweli hlabathi lanamhlanje yezoqoqosho kuyinto eqhelekileyo ukuba uhlangabezana into efana isavenge. Ntoni na, zama ukuqonda.

Inkcazelo ngokubanzi

Ngoko -umlenze imele ukukhululwa izibambiso ezithile, ngokunjalo isixa esithile iqhina mboleko uhlobo, esikhutshwe kuthotho eyahlukileyo. Kwakhona, kukho nenye inkcazo "-umlenze" - ukuba kuyinto mboleko okanye imali-mboleko idluliselwe umboleki ngohlobo a ukukhonza elinye.

-umlenze angamelwa ngomnye amaqela eziliqela izibambiso, amaqhina oqhagamshelwano kunye ezikhutshwe ngexesha elinye. iintlobo ezahlukileyo ulwabiwo data wokukhutshwa mnye, kukho irhafu ezahlukeneyo lokubuya, umngcipheko lokukhula. -umlenze abonakala yi ezinye izibambiso yokumpompoza, nto leyo ibekwe ngaphakathi kwemida yesi kwegazi kwixesha elithile Ngexesha lokuhamba izibambiso. Ngelo xesha, eli thuba ukuze kungekhona ngomhla wedini umphakathi idibana.

Ukusebenzisa ulawulo sichaze kuqoqosho

Izakufunyanwa ukusuka isikhundla yommiselo imo utoliko kwenkcazo 'izavenge "; yintoni na ipesenti yohlahlo-mboleko ukuba kunikwa phantsi kweemeko ezithile emva kwexesha elithile ixesha ngethuba le sivumelwano semali-mboleko. Kwane- umzekelo yacaca - kukubonelela mboleko yi-International Monetary Fund, nto leyo ethatha indawo ngezavenge ezine-25% yamanqaku ewonke. Ngaloo ndlela, ukusetyenziswa inxalenye yokuqala amalungiselelo etyala wenziwa ngoko nangoko emva kokusayina isivumelwano. Kodwa -umlenze ngalinye ezilandelayo wafumana ukuba zonke iimeko lowo wangaphambili. Ukusebenzelana mechanism abolekisa ngamazwe ubonelela ukuphunyezwa -umlenze ebandakanya ukusetyenziswa kwezinto izixhobo yolawulo otyalwayo ngokusebenzisa iinjongo ekujoliswe ezikhethekileyo ukuba ukusetyenziswa kwe-mboleko ngu mboleki.

-umlenze - ntoni na kule inkalo zemali

Kwaloo Ingqiqo lathathwa ulwimi isisiFrentshi kwinkulungwane yamashumi amabini. Spectrum Iinkcazelo intsingiselo yalo kota ku kwinqanaba zemali. Ngandlel 'ithile -umlenze jikelele imele inxenye nokungena nokuphuma kwemali. Ukuqwalasela lo mbono ngengqiqo exineneyo, kubalulekile ukwahlula ezintathu imilinganiselo yayo engundoqo:

• Inxalenye ye-mboleko, nto leyo enika isivumelwano -umlenze phantsi kwesivumelwano mboleko enye (umgca ngetyala). kufuneka Le umdla athathe uhlobo imali yentlawulo apha lokuvuthwa ityala okanye ukufumana ngetyala.
• Ziyingxenye yempahla ye-asethi ezithile zemali, kuquka izixhobo ezingundoqo kunye nemarike capital ngohlobo ezitokisini iibhondi, nezibambiso esukela (yezabelo). Zombini ezi ntlobo thaca izixhobo zilungiselelwe ezithengiswayo.
• Omnye iqela izibambiso, ezihambelanayo. Imeko ephambili - ngexesha elifanayo yokukhupha kubo. Noko ke, ukuba umahluko ezendeleyo zalathisi ezifana emngciphekweni, imbuyekezo kunye nexesha intlawulo.

-umlenze - ehamba element isivumelwano semali-mboleko

nokuchazwa thaca zibonisa ingqiqo yexabiso ibinzana elithi "Isigaba".

Nangona kunjalo, ingqiqo ka "-umlenze 'elisetyenziswe ekuphelisweni yesivumelwano overdraft kakhulu ngempumelelo. -umlenze kulo mzekelo ithetha mali kubonelelwe ngexesha elinye kwinkqubo-sikhokelo isivumelwano overdraft ungene ngemvume kule mali inokufuneka ukuba ihlawule izibophelelo ezahlukahlukeneyo mboleki kwimeko yokungabikho anenani elifunekayo imali yakhe akhawunti. Kule isavenge kule meko zimiselwe umda ethile ebekwe liSebe eli isivumelwano efanelekileyo.