Khatarta Credit: hababka qiimeynta iyo siyaabaha loo yareeyo

Wadashaqaynta bangiyada, waxaan inta badan waxaa la soo eego sida khatarta credit. Waa maxay? Si aad u fudud u gelin, waxaan dhihi karaa in khatarta credit ah - jaaniska in ay counterparty ah (ama caydh ah) si ay u gutaan waajibaadka qoro heshiiska. Taasi waa halista ah ee default of caydh ama counterparty. First of dhan, xammaalladii khatarta credit waxaa soo socda noocyada kala duwan ee macaamil ganacsi:

• daynta Direct oo aan toos ahayn.
• Iibso iyo iibinta hantida oo aan bixin lacag counterparty ah.
• Macaamilada aan ballan qaado lacag ka labada dhinac saddexaad.

khatarta Credit waxaa ka mid ah jaaniska of sii daraysa ee ka deyntay. Oo waa sii daraysa ee xaaladda dhaqaale oo keliya ma aha. arrimood oo muhiim ah No yar waa kuwan: yareynta booska Company ee gobolka, la'aanta dalabka warshadaha, sii daraysa ee niyadsamida , iwm Taasi waa dhan in ka hortagi kartaa qofka in uu bixiyo lacagta. Si kastaba ha ahaatee, awood uu ku soo laabto daynta - ma aha khasaaro ah oo kaliya in bangiga ku dhici kara. khatarta Credit sidoo kale noqon kartaa toos ahayn (tusaale ahaan, haddii ay sabab u tahay falalka qaarkood hoos u qiimaha securities, saamiyada, qoraalada promissory, ama aad rabto in la kordhiyo mugga of kaydka credit).

In geeddi-socodka ah ee go'aaminta khatarta credit, dareenka la siiyo dhawr arrimood:

• khatarta of default. Waxaa suurta gal ah in wax amaahdaana a time qaar ka mid ah noqon doona ee gobolka ka mid ah muranada.
• Credit rating. Qiimeynta isku halaynta of securities kala duwan.
• socdaalka Credit. itimaalka ee beddelo rating credit ee ku waajib, hawlaha, counterparty, saaraha ah.
• Caddadka in aanu la kulmin khatarta credit.
• Heerka khasaare kaas oo u dulqaadan karin bangiga lacala default.

Practice muujinaysaa in ay gabi ahaanba waa dhan xawaalad, sal Koox ka mid ah oo ay galaan xiriir ah oo deyn iyo caydh ah, muuqaalka kore ee deynta, qaado xaddi gaar ah oo halis. Waxaa jira fikradda ah wax-u-gashiga khatar la'aan - kiiskan, khatarta credit waa yar iyo conventionally qaaday sida eber. Si kastaba ha ahaatee, xitaa in xaaladda noocan oo kale ah oo waa hadiyad. Oo waa in la tixgeliyo.

khatarta Credit - waa in bangiga waa in ay tixgeliyaan in meesha ugu horeysa marka la tixgelinayo codsiga gaar ah. Waa in aad si taxadar leh u fiirso taariikhda credit ay bixiyaan amaahdaana, hawlaha aabbihiis iyo dhamaan wixii macluumaad la heli karo. Laftiisa qiimeynta khatarta credit waa in la fuliyaa by khubaro aqoon, sababtoo ah waa meel ay yaraysi yar waxay keeni kartaa in khasaare weyn.

khatarta credit bangiga ee loo yareeyo. Habka ugu soo jireenka ah - rahaamad u qaadan. Hantida qiimaha leh ku habboon yahay sida u fiican, hantida dareere ah. In case of luma rahmad, habka ugu fiican ee lagu yareeyo khatarta credit waa caymiska. Sidoo kale, bangiyada badan ee shaqadooda waxay billaabeen inay si nidaamka yareysey (macaamiisha ee group kasta oo aan ku bixinay in ka badan xaddi gaar ah).

Xusuusnow in qiimaynta awoodda u ah khatarta credit ogolaan doonaa in sabbaynaya joogo oo lacag lumin xataa in xasilooni darida xaaladda dhaqaale ah.