I-trianche - yikuphi lokhu nokuthi kubaluleke ngani kuhulumeni

Ezweni lezomnotho lanamuhla, kuvamile ukuthola into enjalo njenge-tranche. Kuyini lokhu, ake sizame ukuyihlola.

Incazelo jikelele yegama

Ngakho-ke, i-tranche iyinkinga yezibambiso ezithile, kanye nesabelo esithile sokukhishwa kwesibambiso , esikhishwe ngochungechunge oluhlukile. Kukhona futhi enye incazelo yomqondo we "tranche" - ukuthi iyimboleko noma imali ebolekwa kumboleki ngendlela yesigaba esisodwa.

I-tranche ingamelwa ngenye yamaqembu amaningana okuvikeleka, ahlangene futhi aphume ngesikhathi esisodwa. Izinhlobo ezahlukene zokwabiwa kwenkinga eyodwa zinezinkomba ezahlukene zokuzuza, ingozi nokukhula. I-tranche ingabonakala njengenye yezimfihlo zenkinga, ebeka ngaphakathi kwevolumu yalokhu kusakazwa ngesikhathi esithile phakathi nesikhathi sokusakazwa kwezibambiso ezinjalo. Kulesi simo, lesi sikhathi angeke sihambisane nosuku lokubekwa okuyinhloko.

Sebenzisa ekuphathweni komphakathi komnotho

Umuntu angathola futhi kusuka esikhundleni somthethonqubo wombuso ukuchazwa kwencazelo "ye-tranche": ukuthi lokhu kuyisabelo semali mboleko enganikezwa ngezimo ezithile emva kwesikhathi esithile phakathi nesikhathi sesikweletu semali mboleko. Isibonelo esicacile ukunikezwa kwemalimboleko yi-International Monetary Fund, eyenzeka ngo-4% we-total amount. Ngakho-ke, ukusetshenziswa kwesigaba sokuqala semali mboleko kuqhubeka ngokushesha ngemva kokuqedwa kwesayinwe isivumelwano esinjalo. Kodwa i-tranche ngayinye elandelako ifika ngaphansi kwesimo sokuthi yonke imigomo yangaphambilini ihlangene. Umkhuba wokuboleka ngamazwe ngamazwe kuhilela ukusetjenziswa kwendlela yokuhlinzekwa kwe-tranches, okubandakanya ukusetjenziswa kwezinto zokuqapha zomklomelo ngokusebenzisa iinqophelo ezikhethekileko zokusebenzisa isikweletu ngomboleki.

I-tranche - iyini isici sezimali

Umqondo ngokwawo ubolekwa olimini lwesiFulentshi ngekhulu lama-20. Ububanzi bezincazelo zencazelo yalesi sigaba ku-indiza yezimali. Ngomqondo ovamile, i-tranche iyingxenye yokugeleza kwemali. Uma ucabangela lo mbono ngomqondo omncane, kubalulekile ukuhlukanisa amanani amathathu okuyinhloko:

• Ingxenye yemali mboleko, ehlinzeka ngesivumelwano se-tranche ngaphansi kwesivumelwano esisodwa sezikweletu (umugqa wesikolodo). Isabelo esibekiwe kufanele senze ngendlela yenxenye yesamba sokukhokhwa ekukhokhelweni kwamanothi ezithembiso noma ekwamukelweni isikweletu.
• Ingxenye yephakheji yezimpahla ezithile zezezimali, ezihlanganisa zombili izinsimbi eziyisisekelo zemakethe yemali emikhulu ngesimo samasheya kanye nezibopho, kanye neziqephu ezithathwe kuzo (iziqephu). Zombili izinhlobo zezinsimbi zenzelwe ukudayiswa.
• Enye yeqembu lezitifiketi, elihlobene. Isimo esiyinhloko ukukhishwa kwabo kanyekanye. Noma kunjalo, bahluke ezinkomba ezinjengobungozi, inzuzo nokuvuthwa.

I-tranche iyisici esilandelayo sesivumelwano sesikweletu

Izincazelo ezinikezwa ziveza incazelo yencazelo yegama elithi "credit tranche".

Kodwa-ke, umqondo we "tranche" usetshenziswa ngokuphumelelayo uma uqedela isivumelwano esingaphezu kwe-overdraft. I-tranche kuleli cala lisho imali ehlinzekwa ngesikhathi esithile esivumelwaneni esiphelile sokukhokhwa kwemali ngenani elidingekayo ukuze ukhokhe isibopho esifanele sombolekayo uma kungekho mali edingekayo ekukhokheni kwakhe. Kulokhu, i-tranche kuleli cala inqunyelwe umkhawulo othile, osungulwe yisivumelwano esifanele.