Ko te whakatauranga nama o te whenua: te whakamāramatanga, me te tikanga o te wā

Tangata katoa maheni ki tenei wā, kia rite ki te whakatauranga nama. Kei te tino whakamahia te reira ki te whakaahua i te pareparenga, engari e taea te tono i te ariā ki te tinana, hinonga, me te ara te whenua.

He aha te mea he tapeke moni tāwere o te takitahi - ko reira mārama. Ko tenei he faingamālie ki te tangata ki te hoki riro i pēke whakahaere loans. tatau ana tēnei tohu e pareparenga ki te whakatau mehemea ki te whakarato i te pūtea tārewa ki te tangata.

Ki te whakanui i koe te tauine, whiwhi tatou i te kamupene whakatauranga nama. ka waiho te reira i pehea kamupene-hoa me pūtea ngā.

He aha te mea he whakatauranga nama?

Tenei ariā taua kua nui ake kawenga raraunga, ki te tono koe i te reira ki te rōpū ōhanga uaua ake, pērā i te whenua. Credit whakawākanga o te ao whakaata te mōrea o haumi i roto i te hanganga kāwanatanga. I runga i tenei ahua, ko reira taea ki te whakatau e pā ana ki ranei e taea te whakatau i te kāwanatanga ona herenga nama. Kei te tango pūtea whakatau i runga i haumi nui i roto i te kamupene te ahumahi ranei me tango, ki te pūkete te uara o te whakatauranga nama o nāianei.

Otiia i te wa ano, matapae i roto i tona ngako te. e kore e hoatu e ia te taurangi tino o te hoki ki runga ki haumi, a kore e taea reira e te mehua tino o te tika. A, no te hanga kia whakaaro he haumi whakatau whakatauranga nama i roto i te taha ki te tahi atu āhuatanga, te whakau i te whaihuanga o taua haumi.

Ko wai te mana ki te whakatau i ngā whakawākanga nama?

ako matou e taea kuputohu e motu, me te ao. Ko te mua kua oti te whakarite e te pokapū whakatauranga motu. I roto i Russia, he reira "Rus-Whakatauranga" "Tohunga RA", "National Whakatauranga Agency" me etahi atu, i roto i Ukraine - "Whakatauranga Credit" me "Whakatau Paerewa". E ratou te mana anake i roto i to ratou ake whenua.

He nui ake te māia i roto i te raraunga meinga e kamupene whakatauranga ao:

• Moody o.
• Paerewa & Poor o (S & P).
• Fitch.

i hanga e ratou i roto i te Hau Amui no Marite i te timatanga o te rau tau whakamutunga, engari riro āhukahuka ao, a tae te taumata o te ao.

Enei whakahaere tautuhi nga whakataunga nama ao o whenua, ahumahi, kamupene, matapae e pā ana pūtahi pēke take, me te whai wāhi i roto i te tātari o ngā mākete pūtea.

whakatauranga nama ti'araa

Kua takoto ia ti'amâraa whakatauranga tona tauine ti'araa. Ko te uara o te ariā taketake he whakamāramatanga mo'oni, ko S & P me Fitch taratahi tohu "+" me te kāwai takawaenga i runga i te tauine o "-" Kei te whai rerekē iti i te tau i runga i te tauine o Moody o.

He aha te mea te outlook i te ti'amâraa whakatauranga?

A feruri i te whakatauranga nama o whenua e tu ana tahi me nga haurangi e hāngai ana e hoatu te ti'amâraa taua. haere mai ratou i roto i te wha momo:

- outlook Positive - te tikanga e i roto i te heke mai tata, he pea ki te whakapiki ake i te whakatauranga.

- aueue - e kore e huringa kaikaranga.

- tōraro - pea whakahekenga whakatauranga nama.

- I roto i te take te wahi i reira ko te tūponotanga kotahi rite te whakaiti hua o te tohu ranei, tautuhi tipu outlook.

Kia pehea te kua te whakatauranga nama o Ukraine a Russia runga te tau kua hipa?

I roto i 2014-2015 i roto i enei whenua, i reira e ngā e tīmata hekenga i roto i tenei tohu. Na kua nga pānga kite tuatahi.

Kua te whakatauranga nama o te Russian Federation kua tukuhifo c Baa1 o Moody ki Baa2 i te mutunga o 2014. I tua atu, i reira ko te pea o tona whakaiti atu - outlook tōraro. tuku iho Paerewa & Poor o ti'amâraa hoki whakatauranga nama o Russia i BBB- ki BB + i ke, me i BBB ki BBB- i moni rohe. Fitch i roto i te tīmatanga o 2015 i hanga heke rawa tonutia i BBB ki BBB-, tonu ki te outlook kino taua.

Ukraine, kia rite ki te pokapū whakatauranga ao, kei roto i te āhua preddefoltnom. I roto i te tīmatanga o 2015, kua whakapumautia Fitch hoki reira te uara o te SS ki te au kino. I tukua iho te whakatauranga nama o Ukraine i moni ke, kia rite ki Paerewa & Poor o raraunga, i te mutunga o 2014 i CCC ki CCC- taumata.

He aha te take e memeha? iti te whakatauranga nama o te whenua i roto i te rahi ki te hua i roto i to ratou nama ke.

Ka taea e koe whakawhirinaki i te pokapū whakatauranga?

I roto i te mau taime o te pirau te pai i ngā taumata katoa ko te pātai: "? Kia pehea te tika e nga whakahaere whakatauranga raraunga taea whakawhirinaki ahau ratou" Ko e mo'oni, i taea e kaha awe te whakatauranga nama "miro" te whenua o te āhuatanga i roto i te ao o haumi me matua rerenga haumi tika i roto i te aronga kino. Ki te nga raraunga whakatau, i whakamahia taha-investor, ka kia teka, karanga reira ki te pātai ki te hāngaitanga o haumi, a maoro, e puta i runga i te hua.

Kua whakapau kaha te pokapū whakatauranga runga ake i runga i te tau, kowhetetia he mana ao, me te whakawhirinaki. Na ratou mahi, ko te ki te homai nui taea tika, me te ake ki ngā mōhiohio rā i roto i te tikanga ki te mau tonu to ratou mana. I tautuhia e te nama ao whakawākanga i roto i tetahi ara e kore e taea ki te teka, kia taea te whakamahi ratou rite te pono puna o te mōhiohio mō te tātari mākete.