Kuyini izinga refinancing

Uma ufuna ukuqonda ukuthi yini ngesilinganiso refinancing ke ungase uqale ukuqonda okushiwo nomqondo refinancing. Umthetho we Russian Federation ubeka ukuthi leli gama kufanele kuvisiswe emaphakathi neRussia sika Bank uboleka nezinye izinhlangano zezimali. Ibhange emaphakathi ngokwayo uyilungiselelo kubaluleke kakhulu ngokwezimali, ngokugxila cishe kuzo zonke imithombo yezimali isimo, kuyilapho "ngokuzithandela" by uboleka ukuba noma ubani nje ufisa, uma ehloselwe credit izikhungo ucishe enkulu sebhizinisi. Njengoba anawo Central Bank kukhona izigidigidi, awusebenzi ukukhipha ayeyiboleke eziyizinkulungwane ezimbalwa kuphela. Izwi "ngokuzithandela", sisho ukuthi akukuniki imali credit izikhungo ngesizathu, ngokuvamile kwenziwa imigomo buyiselo nokubuyisela, namaphesenti libanzi. Izinga lenzalo yemali mboleko kulokhu ngoba zonke zokuthenga ngesikweletu okufanayo, kwakusho ukuthini igama elithi refinancing izinga. Kuyini bafuna ukwazi abaningi ngubani ngandlela-thile kuthinta abolekise sihloko. Kubalulekile ukuqonda ukuthi Central Bank umiselwa unyaka ngamunye value othize kakhulu ngaleli zinga. Inani lale ipharamitha kuyahlukahluka kwibanga sasivumela ububanzi futhi kuncike amaphesenti isisindo izici.

Kuyini izinga refinancing, futhi yini ukubaluleka kwayo

Kukholakala ukuthi izinga refinancing kuyinto kuyinkomba ebaluleke kwenqubomgomo yemali we Central Bank. Nge alolu ithuluzi yasebhange kuyahlukahluka isivuno izibambiso, ngaleyo ndlela kukhona sinjalo intengo futhi kulawulwa ukukhula kwamandla emali. Regulation emali Kwenziwa ngaso simo ethize kakhulu. Sesikubonile kakade lokho CBR refinancing isilinganiso, manje ake sihlole ukulandelana yezenzo ezenzeka kule simo.

Okokuqala, Central Bank wenza ukwehlisa izinga refinancing. Ngemva kwalokho, le ngamabhange ithuba ukuthatha ngaphezulu credit "ezishibhile", esithinta bebodwa credit isilinganiso, okuyinto futhi siba aphansi. It kuvela ukuthi manje abantu zomthetho futhi zemvelo kungathatha out loans ngamabhange ishibhile. Ngenxa "ukugudla" ku bajabula yezakhamuzi, sebeqala ukuthola imali-mboleko yendlu bayanda, ukuthenga konke abakudingayo kuphela. Umphumela nokwanda ukufunwa izimpahla ezitolo, yingakho amanani ayaqala ukuba avuke, kuyilapho kakhulu kuyashesha izinga lokwehla kwamandla emali. Konke iba imbangela enanini eliphakeme Central Bank refinancing. Ukubolekwa kwemali sebeqala yenyuka intengo, othinta izakhamuzi, ngoba manje uzithatha kancane uzimisele, ngakho ukuthenga ingasaphathwa. Lapha esinazo emqondweni akuzona izinto eziphambili kanye ezidayiswayo. Lokhu kunciphisa izinga lokwehla kwamandla emali. Ngalesi sikhathi, kukhona engalulami ezimakethe izibambiso, ukuthenga nokuthengisa kwabo kuba ezingenanzuzo, ngoba imali ndawo ukuthatha, futhi loans enikiwe at iphesenti eliphezulu. Waba yini umphumela wesibindi Esimweni esinjalo, kuba ukuthi ibhange elikhulu nohlobo uzama ngandlela-thile ngivuselele emakethe ngokufaka wehlise izinga refinancing. Lokhu ukuhamba kungenziwa ngokuthi obungapheli, kusukela phakathi nawo wonke umlando abantu abaningi izikhathi amabhange sesibonile nokuwa le nkomba. Usuvele uyakwazi lokho ngesilinganiso refinancing.

Ake sibheke esifanayo, yini imikhakha ezimpilweni zethu ke sisetshenziswa. Uma zenzalo yokuzigcina idiphozithi yanoma abantu ngokomzimba ngaphezu kwesilinganiso refinancing at 5%, imali enjalo ke uzobe intela. Uma nesivumelwano sokubolekwa ayicacisiwe senzalo ke isethiwe ilingana izinga refinancing. Futhi leli nani kubaluleke kakhulu kwezinye izimo.

Thina esiphethweni ukuthi ngesilinganiso refinancing, futhi iyini injongo yaso. Kuyacaca ukuthi uhlala ezibalulekile kwezomnotho kukuthinta ngokuqondile ukuphila kwawo wonke isakhamuzi.