Ƙimar na borrower ta creditworthiness. karin bayanai

Ƙimar na creditworthiness na borrower - daya daga cikin mafi muhimmanci al'amurran da rance tsari. Wannan shi ne quite m mataki a kan wani ɓangare na kudi cibiyoyin, saboda daidai kimantawa da borrower ta ikon sãka da rance da kuma sha'awa a kan shi kai tsaye rinjayar da wadannan banki saituna - hadarin, da ingancin na aro fayil, da m matakin na bashi biya, da ya faru na marigayi biya da kuma, kamar yadda wani sakamako, kasa line bashi ma'aikata. Ba abin mamaki ba cewa kowane banki biya ya karu da hankali ga irin wannan siga a matsayin hanyoyin domin kimantawa da borrower ta creditworthiness.

Kamar yadda mai mulkin, guda, duniya Hanyar ga duk cibiyoyin kudin da basu wanzu. Kowane banki rance jami'an ɓullo da mutum kimantawa borrower. Duk da haka, kowa abubuwa ne har yanzu ba a cikin hanyoyin da bankuna, ko da yake su suna sanya har na gaba daya mutane daban-daban.

Babu shakka, da farko kima na matakin fara da definition na borrower a matsayin halitta ko doka mutum. Analysis na creditworthiness na borrower a matsayin shari'a mahaluži - wani sosai laborious tsari, shi dogara ne a kan wani iri-iri model da kuma hanyoyin domin kimantawa da kudi yanayin da ikon biya. Da farko, mun yi la'akari da asali kudi kalamai na kamfanin, musamman, da wannan tsarin na kudi gudana, wajibobi da kuma dukiya daga cikin kungiyar, kazalika da abubuwan da fahince kamfanin ta kudi yanayin.

Idan mahaluži iya gabatar da wani babban yawan takardu a kan tushen da yake yiwuwa su gudanar da wani kudi analysis, da kima na creditworthiness na borrower a matsayin mutum ne da aka gudanar a kan wani mabanbanta makirci.

Fage bayani a kan kamfanoni masu zaman borrower ta creditworthiness hada da wadannan sigogi - muhimmancin samun kudin shiga, da matakin da bayar wa a cikin rãyuwar lokacin, da samuwan bashi, administrative da sauran wajibai.

Yana da daraja ambata cewa hali ga mutane ne mafi m, kamar yadda da yawa masu ba da bashi suna shan la'akari ba kawai rubuce samun kudin shiga, amma kuma na ra'ayin wani facts cewa wani abokin ciniki ba zai iya tabbatar da. Hanyar sauki ilmin lissafi ayyukan - albashi debe kudi da kuma wajibobi - rance jami'an aka ƙaddara da abokin ciniki ta ikon sãka da rance. Yana da na halitta cewa da kasa net samun kudin shiga na borrower ta aikace-aikace ba za a amince. Idan wata-wata biyan bashin a kan aro zai zama fiye da 50% na adadin kudin shiga, sau da yawa amsar ne kuma babu.

Ƙimar na creditworthiness na borrower dogara a kan irin na rance. Alal misali, a cikin 'yan shekarun nan shi ne yadu used cin kwallo Hanyar dangane da bincike na da mafi ƙarancin adadin bayanai game da borrower. A musamman, yana dubar sigogi kamar shekaru na abokin ciniki, ta aiki da kuma zamantakewa matsayi da kuma, ba shakka, ribar. Matsayin mai mulkin, a kan irin wannan rance da aka yanke shawarar a guntu lokaci, wasu bankunan bayar da zane a kawai sa'a daya.