Zvitsva zvokukweretesa Masangano - chii? The mabasa zvitsva zvokukweretesa nemasangano

Zvinodiwa vamiririri nzanga dzemazuva ano kazhinji zvinoda zvaioneka mari uye upfumi. Zvechokwadi, kwete mari ose mugari pamwero mukuru zvokuti kufukidza chero zvavanoda pasina zvimwe zvinhu. Muchiitiko chino, uye varipo zvomene zvitsva zvokukweretesa masangano. Makambani aya vakwanise nyore uye vakatsanya kwezvikwereti.

Chii chinofanira kunzwisiswa zvitsva zvokukweretesa nemasangano

Pane zvakawanda zvakasiyana zvivako, chinangwa chiri Implementation-siyana kwema zvemari. Issuance kuti chikwereti kana zvikwereti - chimwe chezvinhu zvakafanana mabasa makambani akadaro. Kupindura mubvunzo "zvitsva zvokukweretesa sangano - chii" kucherechedza zvinotevera chokwadi: mabasa nemasangano akadaro anenge zvachose rakafanana rwezvemabhengi. Musiyano iri kudzorwa ino kushanda mitemo kwakavakirwa iyo makambani kuitisa kwakadaro issuance nzira.

Kutaura zvazviri, zvitsva zvokukweretesa nechinangwa kupa akasiyana-siyana mabasa kuti inoshandawo kune Entrepreneurs kuzarura basa ravo, uye kuti paavhareji murume ari mumugwagwa. Kunakisa makambani akadaro kuti vanogona kupa mari pasina kadhi nhoroondo, uye kokorodzano dzakawanda dziri kuitika mabhanga. Izvi zvinoreva kuti kuwana mari nyore mune zvitsva zvokukweretesa masangano. Zvakakosha kunzwisisa zvinotevera chokwadi: mabasa nemasangano rinotsigirwa neHurumende, iro rine zvakananga kukanganisa padanho kuvimba navo. Naizvozvo, avo vakanga vari nokuzvibvunza mibvunzo pamusoro kana MFIs yakavimbika, chii uye kana zvakakodzera kushandisa mabasa aya, unogona zvakachengeteka anoshanda zvivako izvi nokuti zvachose pamutemo.

Kuti uwane mamwe mashoko pamusoro rakavimbika

Imwe yenzira kuziva kana kuvimba imwe kambani, vaiita Micro-zvikwereti - ndiko kubvunza mazita nemasangano profile. Unogona kuita izvi nokushandisa kuminamato kureva masangano, somuenzaniso, "Expert RA". ruzivo kwakadaro kuchabatsira kuti uzive zvakaita kambani mukutenda zvakanaka kuzadzikisa ayo zvemari mitoro kuitika.

Kukosha kupima ichi ndechokuti akazvimirira uye, naizvozvo, mumwe chinangwa uye somugumisiro, inoratidza mamiriro ezvinhu chaiwo. Naizvozvo, usaregeredza munhu Rating makambani kushanda Micro-zvikwereti format.

Chii chinofanira kuziva townsfolk

Chokutanga, kambani ose inowira kuti kupinda muchikwata masangano zvitsva zvokukweretesa, anofanira akapinda muna State Register. Kuti uone kana paiva chokwadi pamutemo, zvakafanira kushanyira pamutemo Website of Bank of Russia, umo mashoko vari pachena kuwanika. Uyezve, hazvingaiti kukuvara kubhadhara kushanyira hofisi imwe MFI vake. Kuti parege kuiswa gwaro kunyoresa vari State Register.

mashoko anokosha pamusoro yaivapo sungiro

Kutaura zvazviri, chero hurumende zvitsva zvokukweretesa masangano nemakambani vane zvimwe mitoro kuti mutengi;

• MFI nomumwe anofanira kushandisa kana achibudisa zvikwereti ane tabular muchimiro chesungano kuchinja.
• Chero kambani ane mutoro aiparidzire vatengi ayo zvizere mari chikwereti unozvipiwa. Izvi zvinoreva kuti mumwe mugari anekodzero kuziva chii chikamu zvichataurirana kubhadhara yose nguva pakunamata. ruzivo Izvi zvinobatsira chaizvo pakusarudza chesamende chaiko. Chimwe chinokosha ndechokuti panguva kusaina chibvumirano Somuenzaniso, musi nevatengi nechikwereti, zvachose kukosha kwayo havagoni kusapfuudza avhareji ukoshi dzaona pamahombekombe Russia, kupfuura wechitatu.
• Chikonzero kuvimba imwe MFI anova zvakawanda kana zviri mune rimwe kuzvipira pamutemo masangano (nhengo ruzivo inowanzopiwa dzawanikwa pamutemo Website wekambani).
• MFI nomumwe anofanira kupa vatengi ayo nguva yokusarudza (5 Mazuva).

Kunze mubvunzo "zvitsva zvokukweretesa sangano -? Chii", Zviri zvinobatsira kunzwisisa musimboti imwe microloan. Kutaura zvazviri, chinhu chikwereti chisingaurayisi kupfuudza mamiriyoni 1. Rubles. Get zvakafanana nechikwereti mashoko vari pamutemo masangano, mumwe Entrepreneurs uye vanhu.

marudzi microloans

zvikwereti Zvose MFI inogona kukamurwa marudzi anoverengeka. Unofanira kutanga mutengi microloan. It rakagadzirirwa vanhu vane zvinoda mumwe mari kufukidza zvavo pachavo zvavanoda. zvikwereti Most yakadaro rakapa kusvika 6 mwedzi, kunyange zvazvo pane dzimwe nguva muripo kubudikidza Yakabudiswa uye 2 years.

Microloans nezvatinovavarira Entrepreneurs, havabvumirwi kuti 1 mln. Rubles vari dzinounzwa zvinangwa chokuita buri, kuramba uye kukura mabhizimisi avo. chikwereti izwi iri nyaya anoda kubva 1 kusvika 3 years. Rubatso iri zvinenge kumbobvira serinokosha asi zvinokosha kuvaka pamazita rakazara magwaro akumbira pedyo MFI.

Panewo Micro-zvikwereti, akagadzirirwa kwenguva pfupi kwazvo nguva, uye vari yakapiwa vanhu. Achibatsirwa zvikwereti izvi vakatsunga nyaya chokuita nezvinoitika mari kana Somuenzaniso, kunonoka muhoro. zvikwereti aya akapa nokukurumidza, asi vane yechimbadzo yakawanda.

MFIs muRussia

Zvino Kishi Micro-chikwereti zvava kupfuura dzakakurumbira. Izvi imhaka zvinhu zvakadai achiwedzera stringency mamiriro umo nemabhangi vanobvumirana nokukweretesa, uye kuwedzera mumumvuri upfumi. anokwereta Vakawanda regai funga akakodzera pamwe nemabhengi kuna Zvikwereti zvakaita zvidiki mikana.

Kana iwe ngwariro zvitsva zvokukweretesa masangano Russia uye kutanga kwavo mabasa, zvinokosha kuziva kuti nesangano MFI chakatangwa muna 2010. Hazvina mutemo uyu akabvumira anokwereta uye masangano chikwereti kuti ishande pamutemo.

Basa rokutarisira MFIs muna Central Bank iri pari pakutevedzera, kushandisa kwavari chete 2 kiyi mureza: liquidity uye guta adequacy.

Nuances kuti munokosha kuziva

Kuti adzivirire madiki uye voruzhinji kubva kutendeseka zvirongwa, mutemo wakadzikwa zvimwe zvinhu mumabasa avo zvitsva zvokukweretesa masangano: maternity guta handichakwanisi kuva nzira nokuripira.

Consumer cooperatives vakanzwawo nguva muganhu. Vanogona kushanda pamwe mubereki guru chete chiitiko anoshanda kwemakore 3 years. matanho akadaro mumwe chinangwa nyore - kurerutsa chikamu zvirongwa enhema. MFIs Vazhinji maternity guru vakatorwa zvisiri pamutemo (951 zviitiko). Miitiro zvisiri pamutemo kwakadaro kunofanira kuva nenzvimbo musika mari.

Vaya yakafanotaura kuti zvitsva zvokukweretesa masangano achaparadzwa kuvharwa, apo zvakakodzera kuisa kukwira nevakomana chokwadi - makambani aya acharamba ishande.

Chiizve chatingapiwa MFI

Zvakakosha kunzwisisa kuti mabasa zvitsva zvokukweretesa masangano hakungoitwi urongwa zvikwereti. Kazhinji, MFI kuuya kuvagari uye Entrepreneurs mukana mari pachake mari dzayo pasi mumwe chikamu. Asi apo pane mari mhando iyi ichakurukurwa nomupiro zvakaipa. The peculiarity kuti oupfumi kwakadaro ndechokuti havana insured neHurumende. Kureva, vatengi havana vimbiso yepamutemo kuti oupfumi dzavo richachengetedzwa.

Pakupindura mibvunzo pamusoro kana akakodzera zvitsva zvokukweretesa masangano nhasi, chii uye sei ngozi zviri kushandisa mabasa avo, unogona kuona zvinotevera zano: kwakadaro kambani ari pamutemo kupa munhu zvakakwana hwomutambarakede zvikwereti ezvinhu. Wapiwa mukana uyu, hatifaniri kukanganwa pamusoro vachiongorora magwaro uye zvinoita kubiridzira chokuita rwaamai guta.