A borrower - shi ne ... Kare bashi. Borrower - Definition

The aiki na kudi tsarin a duniya ba zai yiwu ba tare da irin wannan muhimmanci inji matsayin rance. Credit - wata dangantaka ta tattalin arziki da wani yanayi tasowa tsakanin kudi ma'amala batutuwa, shi ne don samar da lent (aro) darajar cimma wasu dalilai, a karkashin yanayin da cewa biya, biya, da kuma balaga.

bashi tsarin

Dalilin da bashi da tsarin ne janyo ra'ayoyin jama'a da samuwa kudi don samar da su a cikin iyaka amfani ga wani fee. A tsarin ne mai sayar banki tsarin. Its main aiki ta'allaka ne da zane na bashin da adibas da adibas. Bugu da kari ga bankuna da muhimmanci mahalarta a cikin bashi tsarin ne: Babban Bankin, musamman bashi da kudi cibiyoyin. Mafi yawan} asashe na da uku- ko hudu-matakin bashi tsarin: a farkon matakin - Babban Bankin, a karo na biyu - da siffofin daban-daban na bankuna (tanadi, zuba jari, jinginar gida, kasuwanci). A bisa uku matakin - wadanda ba banki bashi da kudi kungiyoyi. Yana Highlights da hudu matakin, wanda sun hada da inshora da kuma fensho kudi, bashi kungiya ta kashin da sauransu. aiki da tsarin bayar da hulda tsakanin mahalarta bashi dangantakar.

A batutuwa na bashi dangantakar

A batutuwa na wadannan dangantakar ne mai ba da bashi da kuma borrower. Dangantaka tsakanin su suna ƙaddara da bukatar da borrower kudi wadata da kuma da kasancewar, mafi mahimmanci, to fitarwa binsa bashi. Saboda haka, mai ba da bashi - shi ne jam'iyyar da bada rance (aro / ara). A borrower - shi ne jam'iyyar da cewa samun da bashi (aro / rance) da kuma tabbatar da da wajibi don komawa cikin aro kudi a dace hanya.

Wanda kuma wannan mutum a cikin tsarin kudi da kuma bashi dangantakar iya lokaci guda da wata binsa bashi kuma matsayin borrower. Ma'ana shi a wannan harka shi ne irin abin da, misali, wani mutum, yin fitar a matsayin aro a banki abubuwa a matsayin da borrower, a cikin wannan yanayin, da banki - a matsayin mai ba da bashi. A lokaci guda, da gaban da ajiya a banki ya musanya mahalarta wuraren dangantakar. Kuma wani mutum - da mai ba da bashi da kuma bankin yana da borrower.

The abu na bashi dangantakar

Babban bangaren na dangantaka tsakanin borrower da kuma mai ba da bashi ne a watsa abu. Object canja bashi dangantakar - An lent, ko ake kira unrealized, kudin. A wasu kalmomin, da binsa bashi yana samuwa kudi, ya zaunar da kuma tsaya a motsi. Godiya ga rance, yana yiwuwa su fara wani sabon sake zagayowar ci gaba da zagayawa da kuma kai tsaye kudi a cikin wurare dabam dabam. Yana isa ya bayar da rance ga borrower a karkashin wani yanayi. Daga wannan hangen zaman gaba, da borrower - wani mutum wanda, ta hanyar karbar kuma yawa daga asalin dũkiyõyinku ci gaba zai baka damar ba za a katse da kewaye Finance. Wannan kyakkyawan accelerates da haifuwa tsari. Yana cigaba da hali na rance ne wani muhimmin alama na bashi da kudi a tsakaninsu.

Wani muhimmin sharaɗi ne ga aiki na bashi makaman ne repayable da adana hakkokin da binsa bashi ikon mallakar na nufin cewa ana azurta amfani da borrower. Daya daga cikin tabbacin na biya ne borrower ta creditworthiness.

Da muhimman hakkokin manufa na aro - adana da darajar

Ta samar da wajen amfani da mai ba da bashi, yana da muhimmanci a kalla kiyaye su da kuma yadda za a kara matsakaicin. Cikar wadannan yanayi ne mai asali bashi da inganci.

A gaskiya, shi ne, ba ko da yaushe yiwu ga aiwatar da shi sosai. Babban hatsarori daga cikin mahalarta bashi da kudi, dangantakar ne inflationary tafiyar matakai. A sakamakon da ambaliya tashoshi na monetary wurare dabam dabam ne wani ragi na kudi da kuma, kamar yadda wani sakamako, rage ta sayen ikon. A borrower - wani mutum wanda ya tabbatar da takalifi zuwa sãka da rance. Amma a halin da ake ciki na kumbura koma ta tsabar kudi, yayin da rike maras size, zahiri da riga utsenonnuyu form. Duk da haka, akwai mutane da yawa da sauran kasada, a kan abin da ya faru na wanda ya riƙi da rance da aka ba su iya bãyar da shi daidai da sharuddan da rance. Kuma shi ba ko da yaushe Laifi ta'allaka kawai kan bãshin. Sau da yawa shi ne wani take hakkin su istinbadi hakkin take kaiwa zuwa wannan m sakamakon.

Don kare doka moriyar bashi

Da farko, da bashi-borrower - ne weaker daga mai shari'a ra'ayi na jam'iyyar. Cibiyoyin kudi na tsuke abokin ciniki tasiri a kan abun ciki na bashi yarjejeniya, game da shi, da iyakance ta ikon tasiri cikin sharuddan na aro da kuma biya. Wannan ya tilasta wa shiga kwangila, da cewa mafi m ga binsa bashi, amma a lokaci guda, ƙeta hakkokin da borrower. A mafi m take hakki na da hakkin mutumin da ya dauki aron:

• lissafi na sha'awa kudi a kan aro a duk jikin da rance (maimakon da ma'auni na bashi).
• accrual rance kudade.
• da accrual azãba cewa bai yi daidai da girman da babba bashi.
• da iko na yankin shawarwari kan lamuntawa banki.
• bashi inshora a matsayin sharadin aro.
• hada a cikin kwangila na da rancen sharuddan da kima da kudade domin rike da rance asusun da rance batun.

Tarayya Law "A mabukaci bashi (rance)"

Ranar 1 Yuli, 2014 a Rasha Federation, Attaura № 353-FZ. Ya burin - don normalize dangantakar, wanda bayyana a cikin arziki na mabukaci bashi (rance) wani mutum, idan da rance da aka bayar ba domin kasuwanci dalilai.

Babban manufar da dokar - tunzura domin mabukaci bashi kasuwa da kuma kare bashi. Abin baƙin ciki, har sai kwanan nan, ko barga bankuna da high suna yarda da su, don yin amfani da doka jahilci abokan ciniki. Mayar da hankali a kan shari'a kariya ta bashi dokar fili shirya wadannan abubuwa:

• standardization na siffofin bashi yarjejeniya.
• da hana yanayin da size da bugun fanareti accrued a taron na marigayi biya a kan aro.
• ƙuntatawa na Retail lamuntawa rates;
• bayani na inji for kirga da tasiri sha'awa kudi.
• karfafa da iko a kan aikin na Microfinance cibiyoyin;
• Regulation na tarin ayyuka.

Miliyoyin mutane suna rayuwa a cikin bashin

Bisa kididdigar da, daga 60 zuwa 90% na aiki yan ƙasa da rance fice. A daidai wannan lokaci da shahararsa ta rance ne na girma sosai a hannunsu. Jama'a a daze gama da bashi yarjejeniya. Kuma bankuna, da ƙaramar dubawa da creditworthiness na borrower, suna son samar da rance. Wani lokaci domin shi ne isa ya nuna wani fasfo. Sai ya zama a wannan sauƙi da affordability ta'allaka "bam" cewa zai iya buga biyu da mai ba da bashi da kuma ga borrower. Idan rance mai karɓa ba zai iya sãka da rance, to, shi ne matsala ba kawai domin shi amma kuma ga mai ba da bashi zuwa sãka a aro. Yana da muhimmanci a soberly tantance kasada da kuma matakin da alhakin kuma shirya wani rance ne kawai tare da 100% amincewa a balaga.