Credit hadarin: hanyoyin da kima da kuma hanyoyin da za a rage girman

By aiki tare da bankuna, za mu sukan fuskanci irin wannan sharuddan kamar bashi hadarin. Mene ne wannan? Don sa shi kawai, zamu iya cewa da bashi hadarin - yiwuwar cewa wani counterparty (ko bãshin) don cika da wajibai wajabta a cikin kwangila. Wannan shi ne hadarin default na bãshin ko counterparty. Da farko, da mãsu bãyar da bashi hadarin suna da wadannan iri ma'amaloli:

• Direct da kuma kai tsaye ba rance.
• Saye da kuma sayar da kadarori ba tare da biyan kudi na counterparty.
• Ma'amaloli ba tare da biyan bashin tabbacin daga wasu kamfanoni.

Credit kasada hada da yiwuwar tabarbarewar cin bashi. Kuma shi ne ba kawai tabarbarewar halin da ake ciki da kudi. Babu kasa muhimmanci dalilai ne wadannan: rage daga cikin Company ta matsayi a cikin yankin, rashin bukatar da masana'antu, da tabarbarewar na ƙauna , da dai sauransu Wannan shi ne duk da cewa zai iya hana mutum ya biya kudi. Duk da haka, da rashin dawo da bashin - ba kawai hasara da banki su sha wahala. Credit hadarin kuma iya zama kai tsaye ba (misali, idan a sakamakon wasu ayyuka rage darajar Securities, hannun jari, promissory bayanin kula, ko so su ƙara ƙara da bashi reserves).

A kan aiwatar da kayyade bashi hadarin, da hankali ne da aka ba da dalilai da dama:

• hadarin tsoho. A alama cewa a borrower wasu lokaci zai zama a Jihar insolvency.
• Credit rating. Evaluation na AMINCI daban-daban Securities.
• Credit hijirarsa. Yiwuwar canza bashi rating na bãshin, yadda ake gudanar, counterparty, issuer.
• The adadin da aka fallasa to bashi hadarin.
• A matakin na hasara wanda zai iya jure wa da banki a hali na tsoho.

Yi ya nuna cewa shi ne cikakken duk ma'amaloli, tushen da wata ƙungiya don shigar da su cikin dangantaka mai ba da bashi da kuma borrower, fitowan da bashin, kawo wani adadin hadarin. Akwai wani ra'ayi da ake kira kasadar-free zuba jari - a cikin wannan harka, da bashi hadarin ne kadan da conventionally dauka a matsayin sifili. Duk da haka, ko da a cikin irin wannan halin da ake ciki shi ne yanzu. Kuma shi ya kamata a dauka a cikin asusun.

Credit hadarin - shi ne cewa banki kamata la'akari da fari a lokacin da la'akari da wani musamman aikace-aikace. Ya kamata ka hankali la'akari da bashi tarihi bayar da borrower, mahaifinsa ayyukan da duk samuwa bayanai. Kanta kima daga bashi kasada dole ne a za'ayi da m masana, domin shi ne wurin da 'yar alamar miscalculation iya kai ga babbar asarar.

A banki ta bashi hadarin za a iya rage girmanta. A gargajiya hanya - shan alkawarinsu. The m dukiyar da ya dace kamar yadda irin wannan shi ne mafi kyau, ruwa dukiya. A hali na asarar tabbaci, mafi inganci Hanyar minimizing bashi hadarin shi ne inshora. Har ila yau, da yawa bankuna a aikinsu sun koma ga iyakance tsarin (abokan ciniki na wani rukunin ba da rancen fiye da wani adadin).

Ka tuna cewa a m kima na bashi kasada zai ba da damar zauna da ninkaya, kuma ba rasa kudi har ma a wani destabilized da tattalin arziki da halin da ake ciki.