Borrowings - fikradda iyo muhiimadda ay leedahay

Wax badan dhal hawlaha dhaqaale ee ganacsi kasta waa ku dhowaad aan macquul ahayn oo aan ku lug of caasimada amaahatay dhankeeda. lacag soo amaahday si weyn u ballaariyo baaxadda waxqabadyada ugu weyn ee cidda, si loo dardar-formation of lacagaha dhaqaalaha lagama maarmaanka ah si ay u bixiyaan isticmaalka kharash-ool ah ka badan oo ah ilaha dhaqaale ee iyaga u gaar ah, iyo ugu dambeyntii in la hagaajiyo hantidooda iyo kharashka dhaqaale ee shirkada. Sidaas awgeed waxa la furay, in fikradda ah lacag aan loo isticmaalaa in lagu caadiga ah ee noo biilasha khasnadda ee Bangiga Dhexe ee Ruushka, iyo ilo aan lacag caddaan ah, oo ay ku jiraan xisaab iyo horumarka ka imaanaya hay'adaha credit hadda.

Sida habboon, aasaaskii hay'ad dhaqaale ahaan doonaa lacag u gaar ah, laakiin dhaqanka ee dalka ayaa muujinaya in qaybta ugu jira ku salaysan deymaha. Taasi waa sababta borrowings suuqa - dhinaca ugu muhiimsan iyo dhaqdhaqaaqa dhaqaale iyo dhaqaale ee shirkada. Waxay ujeeddadiisu tahay in la gaaro wax soo saarka-dhamaadka sare ah.

Marka la qeexo, amaahatay lacag - waxaa lacagta loo helo muddo la cayimay iyo inuu xaddi gaar ah oo xiiso ay u isticmaalaan in lagu soo celiyaa. Waxaa laga yaabaa in deyn ka qaadato baananka iyo kale ururada credit, iyo sidoo kale gobolka, lacagaha ka soo arrinta helay of securities deynta (bonds). Abaabulka borrowings sameeyey siyaabo dhowr ah, kuwa ugu waaweyn in ay maalgelin dawladeed, soo jiidashada khayraadka credit, fund korinta iyada oo loo marayo securities. Cash helay hawada iyo deegaamaynta ah securities, waa isha ugu muhiimsan ee maalgashiga.

Borrowings lug laga yaabaa in foomamka soo socda:

- in lacagta qaranka;

- in lacagta qalaad,

- foomka of alaabta (bixinta qalabka si ay lacag ku heshiiyeen raagtaa);

- kirada (isticmaalo hawlaha wax soo saarka hantida ma guurtada ah in aadan ka tirsaneyn mawduuca, lacag);

- qaabab kale (isticmaalka hantida carqabad ku salaysan kiro ah, iwm).

Doorashadan ayaa ah mid ka mid ah foomamka ee amaahashada si kor loogu qaado lacagta ay shirkadu si madax banaan, oo ku salaysan ganacsiga gaarka ah ee muhiimka ah, iyo sidoo kale soo jiitay bartilmaameedka.

Iyada oo ku saleysan ku qorani, waxaa soo socota in deyn ugu weyn ee ganacsiga ka dhigi laga yaabaa in hay'adaha bangiyada ganacsiga iyo dadweynaha, iyo sidoo kale ururada kale ee ku lug leh soo saarista ee lacagtaada korsocod, iibsada iyo alaab alaabta iyo sidoo kale suuqa saamiyada, ku simaha sida securities saaraha ee.

midka muhiim ah in falalka daynta ganacsi in amaahatay lacag, qaab kasta oo iyo mugga ay ku lug waa in la siiyaa hantideeda gaarka ah ee ururka. Tani waa run gaar ah lacagta in ay ku lug leeyihiin marka la eego lacagta. lacag soo amaahday waxaa waajib ku ah in ay hubiyaan in hantida ugu badan ee dareeraha ah.

Muuqaal kale oo ku saabsan heshiis amaah ah ku soo gabagabeeyey dhexeeya amaahiya amaahdaana. Xaqiiqada ah in dhammaan waajibaadka in dokumentiga la xidhiidha oo kaliya in ay wax amaahdaana - ilaalinta khayraadka wax, bixinta waqtiga oo xiiso leh iyo maamulaha, iwm amaahiya ayaa sidoo kale xaq u leedahay inay dalbadaan oofinta dhammaan shuruudaha heshiiska.

Inkastoo oo dhan ceebaha iyo dhibaatooyinka ku soo jiidanaya dhaqdhaqaaqa dhaqaale ee shirkadaha Taliyuhu, dalalka soo koraya gaar ahaan, ma awoodi doonaan in ay sameeyaan iyaga oo aan.