Whirinoa ki pēke moni

Ko te pēke kino, me te aha kē ki pēke moni?

Tikanga, e kore te mea tonu i te taurewa i roto i te pēke kia ohie, me te ngāwari, pera i roto i te pānuitanga. He maha nga āhuatanga me he mohiotia katoa o ratou:

• te matatini o te hoahoa - i ētahi wā he rota o uiui e hiahiatia ana ki te kohikohi i runga i te tukatuka taurewa e he wa tino roa
• rapu tohu o te moni - ki te e rere koe i te taraiwa taxi tūmataiti, e taea te wareware te tahi mea e pā ana ki te taurewa pēke. pareparenga haamauraa tika e pā ana o moni, e taea whakarato, e kore katoa
• e kore e pai ki te mahi ki "meá" kiritaki pareparenga - ki te he koe i he kaipakihi takitahi ranei te tahi-rangatira o te mahi, te pēke whiwhi koe ki te rohe o tūpono, ka whiwhi i te taurewa he tata e taea
• here tau - here i runga i te tau ko te raruraru rawa nui. Hei tauira, ki te he i raro i 23 tau o te tau ranei pakeke atu i te 65 koe, na e pea ki te e taea ki te tiki i te pūtea taurewa koe
• whakatau roa - i ētahi wā, ina koa ka moni nui, te whakatau ki te tukua mai te taurewa, pareparenga tango he wa tino roa. kia haere ki te taha, ka hiahiatia te te moni "inanahi" - he meá. kia whakakahore koutou, a ka kua kua oti pau te wa.
• piro - ka tīmata te pēke ki "maimoatanga" o te kiritaki hou, i reira te mea he "pouaka pango" (pūnaha kuru), e whakarato ana i te whakatau putanga (te pato'iraa / whakaaetanga). Hei tauira, he maha ngā pūnaha piro kahore waea kāinga - te take mō te kore (ahakoa he tokomaha o ratou noa e kore e whakamahi), ranei, ki te hanga koe i te utu mutunga i runga i te pūtea tārewa mō te waea pūkoro, aitua underpaid 20 moni, te mīhini piro ka puta te pato'iraa! I muri i te katoa, i koe he hītori nama "tōraro" ...

E mea papû e fruitfully taea mahi e kore katoa ki te pareparenga. I roto i tenei whakaaro, kei te wā kaha whakawhanake reira mākete tuku pēke altrenativnogo.

Hea ki te haere? He rerekē ki te pēke moni

He aha e nga whirinoa ki pēke, me pehea e rerekē ratou?

1. taurewa Private - haere ki tetahi pae ad, tomo i roto i te rapu mō "pūtea taurewa tūmataiti" a ka kite koe i te rota o pānuitanga - Kahurangi whakatarewa moni i te moni. Ko nga loans i kaitukino, enei. Tirohia ki a ratou anake rite te parepare whakamutunga, ki te ki te moni atu whiwhi wahi. Raruraru o tenei nama:

• he ōrau nui
• ture "Āheiō" o te hoko
• ki te kore koe e taea e utu i te nama, ko reira pea ki te kia tanumia i roto i te Khimki pokiha (whakarahi)

Ko reira ko te maha o ngā painga ano hoki:

• Ka taea e te nama e riro e ia
• hohoro taurewa tukuna

2. pūtahi Microfinance (MFIs) - he taone mo te mākete Russian. haere te reira i te ture №151-FZ "I microfinance me microfinance whakahaere" Pipiri 8, 2010 i te State Duma o te Russian Federation. Ko te whāinga matua o ngā pūtahi microfinance e "ki te whakarato i ngā pakihi iti, me mau taata e iti ai te uru ki ngā ratonga pēke tuku iho, pūtea, me te kīnaki i ratou ratonga, hangaia i te wāhi o te tirohanga o te pānga tonotono-ohaoha i runga i te whakaene o te kore ōritenga pāpori i roto i te hapori, te whanaketanga hinonga tūmataiti, te whakapai ake paerewa ora, kai o te mahi. "

Mai i te kōwae i runga ko reira mārama e pūtahi microfinance - whakatōpū hanganga ture o te pēke kē. Ko te āhuatanga matua o MFIs:

• e kore e taea e nui Loan e neke atu i te 1 miriona. moni
• ōrau i runga i te pēke
• E kore e pono MFIs katoa

AtAKi MFI:

• MFI whakaritea e te FSFM, arā ōwehenga o ngā kaitono e me kaituku he kāwanatanga-te mana
• Ko nui i raro i taua o kaitukino, te ōrau
• ture "mārama", me te "te viivii" o te hoko
• te tiki i te taurewa ki te MFI he nui māmā atu i roto i te pēke. He nui atu mateaki ki te paearu MFIs mō te aromatawai kaitono me tono taurewa e whakaaro rawa nohopuku

Whakatūpato! Ehara i ngā rōpū katoa e tapaea ratou rite MFIs he. I mua i tahuri ki nga MFIs tohutohu kitea i roto i ranei he i roto i te rēhita o te FFMS. He wātea nuitia Federal Markets pūtea Ratonga Rēhita me ko te hono: http://www.fcsm.ru/ru/contributors/microfinance_org/state_register_microfinance_org/

Ka rite ki MFIs e tonu te nuinga unknown, prvide he rārangi iti, e taea te uru:

1. "Loans ki vahé" - he taurewa ki runga ki te 50 000 moni. Interest runga ratou ko te tino nui, engari ngāwari ki te tiki me te ngāwari ki te hoki mai. I roto i toku whakaaro, nga tikanga tino manakohia i roto i te kamupene e whai ake:

he) moni Domestic - watea e kaiwhakahaere te kamupene o mahi kiritaki i te kāinga, e kore e haere ki hea.

b) Mini Money (mahi i roto i Moscow, me St. Petersburg) - te "tika" moni te nuinga.

2. taurewa Meiha - loans i 50 000, me te runga ake. Tikanga, te ōrau o ratou ofi ange ki te pareparenga, ko te tikanga he iti mateaki atu i roto i "taurewa ki vahé." I te taua loans, te whakamarie ahau tino whakaaro ki te mahi ki nga kamupene e whai ake:

he) Te Kamupene AEC Group (mahi anake i roto i Moscow me Moscow rohe) - he kamupene tino pai ki te ingoa pai. Ko te kino anake - e taea te anake tiki e koe taurewa motokā nama. Paetukutuku: http://aecgroup.ru/

b) Finotdel - taurewa ki te mahi anake, engari e taea te whiwhi i waho te kaiwhakakapi.

3. Credit Cooperative (CCP) - kāore, kihai i ahau maheni ki nga pau o te mākete PDA, na e kore e hiahia ana ki te tuhituhi i konei ngā mōhiohio manatokokore. Maoro e haere ahau ki te whakamārama i roto i te taipitopito atu te take, me te tuhituhi e pā ana ki te tuhinga motuhake CCP.

4. Lombard

mohiotia pai pawnshop tawhito te ki katoa, na e kore ahau e haere ki ngā taipitopito. Te toa kurumetometo, e taea te ngāwari te tiki koe i tetahi nui o te moni, engari i ki te waiho ratou taonga. Ki te hoko hoki i te taonga, ka whai ki te utu rawa te ōrau tiketike.

Ngā manaakitanga me te kite wawe koe!