Chitsimikizo popanda kuchitapo kanthu
Chitsimikizo cha banki ndi mtundu wa chithandizo chandalama choperekedwa ndi mabungwe angongole. Chitsimikizo cha banki chimatanthawuza kuti wobwereketsa adzatsimikizira kukwaniritsidwa kwa zomwe wobwereketsayo akufuna. Mwa kuyankhula kwina, ngati wobwereketsa salipira ngongole, banki idzalipira. Chitsimikizo cha banki chimalola kasitomala (kapena wobwereketsa) kupeza katundu, kugula zida kapena kukhala ndi ngongole.
Chitsimikizo cha banki ndi pamene bungwe lobwereketsa livomereza kubweza chitayika ngati wobwereka akulephera kubweza ngongole. Chitsimikizocho chimalola kampani kugula zomwe sizikanatha mwanjira ina, kuthandiza kampaniyo kukula ndikulimbikitsa bizinesi.
Pali mitundu yosiyanasiyana ya zitsimikizo za banki, kuphatikizapo mwachindunji ndi mosadziwika. Mabanki nthawi zambiri amagwiritsa ntchito zitsimikizo zachindunji m'mabizinesi akunja kapena apanyumba, zoperekedwa mwachindunji kwa wopindula. Zitsimikizo zachindunji zimagwira ntchito pamene chitetezo cha banki sichidalira kukhalapo, kutsimikizika ndi kukakamiza kwa udindo waukulu.
Mwachitsanzo, Company A ndi malo odyera atsopano omwe akufuna kugula zida zakukhitchini za $3 miliyoni. Wogulitsa zida amafuna Kampani A ipereke chitsimikiziro cha kubanki kuti ipereke ndalama zolipirira asanatumize zidazo ku Company A. Company A ipempha chitsimikiziro kuchokera ku bungwe lobwereketsa lomwe limasunga maakaunti ake a ndalama. Banki, kwenikweni, imasaina mgwirizano wogula ndi wogulitsa.
Chitsimikizo chotsatira
Kulemba mzere wabizinesi wangongole ndi njira yomwe imayesa ziwopsezo zosiyanasiyana mpaka wobwereketsa akhutitsidwa kuti kuthekera kotayika kuli mkati mwa kulolera kwawo. Poona mtengo wa chikole, mbiri yangongole, malipoti azachuma, malipoti a katundu, chuma cha malo, kuthekera kwa projekiti, mikhalidwe yamsika, ndi zina zambiri, wobwereketsa amatha kulinganiza bwino zoopsa zomwe zingachitike. Chimodzi mwa zolemetsa zofunika kwambiri pakuchita kusanja uku ndi chitsimikizo cha malipiro.
M'mawonekedwe ake ofunikira kwambiri, chitsimikiziro chamalipiro chimalola wobwereketsa kuyang'ana kupyola pa cholinga chimodzi chochepa chomwe obwereka ambiri amagwiritsa ntchito; kupitirira chitsimikizo ndi kudalira kwake pazochitika zabwino za msika; kupitirira mavuto a ntchito ya wobwereka kapena mavuto obwera chifukwa cha ndalama; ndi mwachindunji kwa anthu kapena mabungwe omwe ali ndi mtengo weniweni kumbuyo kwa kampani.
Munthawi yabwino kwa wobwereketsa, wamkulu aliyense ndi wogwirizana ndi wobwereketsa (ndigwiritsa ntchito mawu oti "sponsor" kutanthauza munthu yemwe amapanga zisankho kumbuyo kwa wobwereketsa) ayenera kupereka chitsimikizo chamalipiro chopanda malire komanso chopanda malire, chomwe nthawi zambiri chimatchedwa chitsimikizo cha ngongole. "full resource" Kulembedwa bwino, chitsimikizochi chimalola wobwereketsa kukakamiza mmodzi kapena angapo a guarantors kuti alipire zonse zomwe wobwereka akanayenera kupereka. Mwa kuyankhula kwina, zilizonse zomwe wobwereka ali nazo kwa wobwereketsa (makamaka polipira), wotsimikizirayo ali ndi udindo womwewo. Ubwino wa chida ichi ndi wodziwikiratu, koma ndikwanira kunena kuti ndi chitsimikizo chokwanira, zilibe kanthu komwe mtengo wa kampaniyo ukupita: wobwereketsa ali ndi chithandizo kwa guarantors. Zilibe kanthu kuti ndi chifukwa cha chinyengo, kusayendetsa bwino, kapena kungoyipa chabe, chilichonse chomwe chimayambitsa kusakhulupirika, wobwereketsa atha kutsata onse omwe ali ndi ngongole pa ngongole yonse.
chitsimikizo cha malipiro
Pansi pa lamulo limodzi lokha la California, "pakhoza kukhala njira imodzi yokha yopezera ngongole iliyonse kapena kulimbikitsa ufulu uliwonse wotetezedwa ndi ngongole pa katundu weniweni." Cal. Kodi Civ. Proc. § 726 (a). Chifukwa chake, wobwereketsa amatha kuchita "chimodzi" kwa wobwereka, monga kugulitsa matrasti, kutsekereza, kapena kusungitsa suti pacholemba. Makhoti aku California amatanthauzira lamuloli molumikizana ndi lina, lamulo la "chitetezo choyamba", lomwe limafuna kuti wobwereketsa ayambenso kubweza malowo asanazengere mlandu wobwerekayo payekha. Onani Walker v. Community Bank, 10 Cal. 3d 729 (1974). Komabe, obwereketsa amakhala ochepa pakubweza kwawo, chifukwa amatha kutengera malo omwe akubwereketsa ngongole ndikusiyidwa ndi kuperewera.
Chitsimikizo chaumwini nthawi zambiri chimaphatikizidwa m'makalata opempha ngongole, koma ndi mgwirizano wosiyana pakati pa wobwereketsa ndi munthu yemwe "amatsimikizira" kubweza ngongole kwa wobwereka. Choncho, ngakhale pamene katundu wopeza ngongole ya ndalama zachinsinsi atalandidwa, wobwereketsayo akhoza kukwaniritsa kuperewera kwa ngongoleyo polemba kuphwanya mgwirizano. Mgwirizano - chitsimikizo chaumwini - amalonjeza kuti wopereka ngongoleyo adzabweza ngongoleyo ndi katundu wake ngati munthuyo kapena bungwe lamalonda lomwe likupempha ngongoleyo silingathe kutero.
Chitsimikizo Chopatula Kuthandizira
Mayiko ambiri akugawo la yuro apanga njira zotsimikizira ngongole kukhala chinthu chapakati pazithandizo zawo pothana ndi vuto la coronavirus (onani Mutu 1). Poyang'anizana ndi kutaya kwakukulu kwa ndalama ndi ndalama, machitidwe osakhalitsawa amatha kuthandizira kutuluka kwa ngongole ku chuma chenichenicho ndipo, motero, kuthandizira kukhazikika kwa banki. Bokosi ili likuwonetsa chithunzithunzi cha momwe maulamuliro olengezedwa akuyenera kugwirira ntchito, komanso momwe angakhudzire kukula kwa kuwonongeka kwa mabanki omwe angabwere m'madera omwe akubwera.
Popeza kuti ndondomekozo zimatsimikiziridwa pamtundu wa dziko, makhalidwe awo, kuphatikizapo kukula kwake ndi zoyenera, zimasiyana m'mayiko osiyanasiyana. Zofunikira zazikulu zamakonzedwewa ndi kukula kwa chitsimikiziro chonse, mtengo wa zitsimikizo, gawo la ngongole yomwe yatsimikizika, kuchuluka kwa ndalama zomwe wobwereketsa akuyenera kuchita (onani bokosi A) . Bungwe la European Commission lanthawi yochepa la njira zothandizira anthu kuti akhazikitse korona likukhazikitsa malamulo otsimikizira boma kuti azikhala ogwirizana ndi msika wamkati[1] Mapulaniwa ndi cholinga chothandizira mabizinesi ang'onoang'ono ndi apakatikati (SMEs) ndi odzilemba okha, komanso mabizinesi akuluakulu. alinso oyenera kulandira ngongole zatsopano zomwe zitha kugwiritsidwa ntchito ngati njira yopezera bizinesi kuti azilipira ogulitsa ndi antchito. Zitsimikizo za ngongole nthawi zambiri zimakhala zazifupi (chaka chimodzi), koma zimatha zaka zisanu ndi chimodzi. Mitengo imayambira pa 25 basis points (bps) pa chitsimikizo cha chaka chimodzi cha SME ndi 50 bps pa chitsimikizo cha chaka chimodzi chamakampani. Imakwera mpaka 100 maziko ndi mfundo 200, motsatana, kwa zaka zinayi ndi zisanu ndi chimodzi. Kutenga ndalama zotayika nthawi zambiri kumakhala kochepera 90% ya omwe akubwereketsa, ngakhale kuti ngongole zochepa zokhala ndi chitsimikizo cha 100% zimapezeka m'maiko ochepa.
