Analysis na samun kudin shiga da kuma kudi na sha'anin matsayin kayan aiki ga hadarin gudanar da

Ya zuwa yanzu, da wuya isa ga kowane sha'anin ne mai tambaya na ciki hadari, shi an haɗa da kuma aikin zuba jari, da kuma tare da wani alama na yau da kullum da kuma saba ayyukan kamar bincike na samun kudin shiga da kuma kudi na sha'anin, domin ko a cikin aikin hukuma kafofin na iri daban-daban na kasada, kamar yadda mai mulkin tafasa saukar zuwa abu daya - samar da fasaha (hatsarori, kayan aiki kasawa). Amma babu kasa hatsari ne mai ba da bashi da kuma waje kasada na sha'anin, da yanayin da ya ta'allaka ne a cikin tabarbarewar tattalin arziki da kuma kudi management yanayi, fatarar na kasuwanci abokan, canji a contractual sharuddan, kudin tunkaro, da sauran al'amura cewa ko ta yaya dagula bincike na kudaden shiga da kuma kudi na sha'anin. Very mummunan tasiri a kan bincike na kudaden shiga da kuma kudi da kuma rinjayar da hauhawar farashin kaya.

Wannan halayyar jari ayyuka, kamar wani ya karu hadarin, na bukatar kulawa ta musamman ga wannan batu a kan wani ɓangare na duk mahalarta a cikin zuba jari, da da banki da kuma borrower. Duk da haka, banki, kamar yadda mai mulkin, taka wata muhimmiyar rawa a kan aiwatar da hadarin gudanar, kamar yadda babban birnin kasar na bashi kungiyar mafi girma daga Mafarin zuba jari, kazalika saboda manyan bankuna da babba kwarewa a cikin bincike na tattalin arziki yadda ya dace da aikin, da kuma a kan sauran al'amurran da suka shafi zuba jari ayyukan , wanda a kaikaice rinjayar da bincike na kamfanin ta samun kudin shiga da hannu a zuba jari ayyukan.

Daga cikin babban hadarin dalilai na banki zuba jari na rance, na hali na Rasha Federation ne da wadannan:

• Commercial bankuna a zamani yanayi monetary manufofin shirya wani yawan matsalolin gano da kuma rage kasada da cewa bayyana a cikin aiwatar da zuba jari na rance. Amma babban rashin tabbas na kasuwanci yanayi, ta dogara a kan burokrasi, wuya, da fasaha rakiya samun kudin shiga bincike da kuma sha'anin bayar wa, bukatar kudi bankuna inganta ingancin hadarin gudanar, ya zama mai muhimmanci da ake bukata kafun domin samun nasarar harkokin kasuwanci, da kuma gasa na banki.
• Credit cibiyoyin samar da ayyuka na crediting zuba jari ayyukan da za'ayi duk kasaftawa a ka'idar da matakai na hadarin gudanar daga cikin ganewa na kasada a shiri na aikace-aikace na kudi na zuba jari aikin tantance rage haɗarin sakamakon a cikin aikin kula da lokaci. Amma dole ne a lura da cewa shi ya zauna a wani babban matakin bashi, ya nuna bukatar inganta zuba jari bashi hadarin gudanar da tsari.

Domin inganta hadarin gudanar da bashi ma'aikata da wadannan hanyoyi don rage kasada da za a yi amfani a cikin aiwatar da zuba jari banki na rance:

1. Bayar da madadin (dama) bashi. Samarwa Hanyar zai rage hadarin karkashin-kudade na zuba jari aikin ga borrower. kuma ga bashi ma'aikata za su iya aikatãwa ƙarin sha'awa samun kudin shiga, da kuma rage yiwu lokaci albarkatun da bashi ma'aikata buƙatun for ƙarin kudade na zuba jari aikin.
2. Wajibi ne a bude shiri asusun na dukan manyan mahalarta a zuba jari ayyukan a cikin banki a gudanar da wani kudi ma'amaloli. Wannan zai samar da ikon waƙa gudana daga tsabar kudi da albarkatun da za su gudanar da la'akari da hanyoyin competently da za'ayi a lokacin da aiwatar da zuba jari aikin, kazalika da ba su iya kai wa ga m halin kaka da borrower albarkatun da wani canji a cikin aikin kudi yanayi zuwa tightening su.
3. Kwangila domin sayan kayayyakin ko ayyuka da aikin, a cikin hãlãye. Wannan hanya zai ba da damar don inganta bincike na samun kudin shiga da kuma kudi na sha'anin, to lissafi da Manuniya na yadda ya dace da zuba jari a kan tushen gina ma'amala mafi m tsabar kudi kwarara daga aikin.

Saboda haka, ya kamata gina dabarun hadarin management, da hidima a matsayin wani tasiri kayan aiki don inganta nasara management na sauyin yanayi.