Bizinesi yayikulu ya banki ndikupeza ndalama kuchokera kwa anthu omwe ali nawo, kupereka kwa omwe alibe ndikupangitsa ena kufalikira mwanjira yachiwongola dzanja. Ndicho chimene intermediation zachuma ndi zonse. Mukayang'ana patsamba la banki wamba, muwona kuti ngongole zamabizinesi ndi magulu ena angongole ndizomwe zimapeza ndalama zambiri. N’chifukwa chake amatchedwa obwereketsa. Ngati kupereka ngongole kwa makasitomala ndikofunikira kwambiri, chifukwa chiyani mabanki sakuyenera kupereka ngongole zamabizinesi kwa eni mabizinesi ang'onoang'ono.
Kuti timvetsetse chifukwa chake mabanki safuna kubwereketsa mabizinesi ang'onoang'ono, ndikofunikira kumvetsetsa momwe obwereketsa amaganizira. Mabanki amasamala kwambiri za zoopsa zomwe zingabwere chifukwa chobwereketsa makamaka, pakufunsira ngongole yabizinesi. Malinga ndi wobwereketsa, wobwereketsa aliyense ali ndi chiwopsezo chogwirizana nacho - chiwopsezo chakuti ndalama zoperekedwa kwa wobwereketsa sizidzabwezedwa pa tsiku loyenera kapena kusabweza konse.
Chitsimikizo chakuti wobwereka adzabweza ngongole ndi yofunika kwambiri ku bungwe lazachuma. Izi zili choncho chifukwa ndalama zangongole zimaperekedwa kwa makasitomala ochokera kundalama za osungitsa ndalama potengera momwe wobwereketsayo amawerengera ndalama za wobwereketsa kuti ndizokwanira kubweza ngongoleyo kapena wosungitsayo asanapemphe ndalama zake. Mwachidziwitso, banki idzakupatsani ndalama pokhapokha ngati ikukhulupirira kuti mudzabweza kuti banki ikhale yokhoza kulipira omwe amasunga ndalama zawo powafuna.
Chiwopsezo pakubwereketsa, motero, ndi mwayi woti obwereketsa atha kubweza ngongoleyo pomwe makasitomala amasungitsa ayenera kulipidwa pa tsiku loyenera. Uwu ndiye ngozi yomwe mabanki amayesa kuchepetsa poganizira mozama zinthu zina asanasankhe kupereka ngongole kwa kasitomala aliyense. Tsoka ilo, chiwopsezochi chikuwoneka kuti ndichokwera ndi ochita mabizinesi ang'onoang'ono. Siziyenera kukhala ngati eni ake a SME akudziwa momwe angapangire mabizinesi awo kuti achepetse zoopsa zomwe akuganizazi.
Popeza ngongole yabizinesi kapena mtundu wina uliwonse wangongole pankhaniyi, mabanki amagwiritsa ntchito njira zingapo kusankha ngati angapereke kapena kusapereka ngongole kwa wopemphayo. Izi zimafotokozedwa mwaukadaulo ngati mizinga yobwereketsa kapena mikhalidwe yangongole yabwino. Mabanki akufuna kubwereketsa koma akufuna kutipatsa ngongole zathu zabwino zomwe tidzabweze. Tsoka ilo, mabizinesi ang'onoang'ono, ang'onoang'ono ndi apakatikati, nthawi zambiri sakwaniritsa izi.
Nawa njira zomwe mabanki amagwiritsa ntchito popereka ngongole zamabizinesi.
1. Khalidwe la wobwereka
Izi zikugwirizana ndi kukhulupirika kwa wobwereka, kukhulupirika, makampani ndi mbiri yake. Kodi wobwereka ndi amene amasunga mawu ake? Mfundo zake ndi zotani? Kodi chimamuchititsa chiyani? Banki ikufuna kudziwa ngati muli ndi mbiri yakubweza ngongole kapena ndinu wolephera kubweza ngongole. Khalidwe labwino ndilofunika kwambiri pakuganizira ngongole. Kumene kuli kukayikira za khalidwe lanu, palibe banki yomwe idzakubwerekeni ndalama.
Openda ngongole ophunzitsidwa bwino nthawi zambiri amakhala ndi lingaliro lolunjika pa zomwe wobwereka ali nazo panthawi yofunsana ndi ngongole komanso pakuwunikanso zikalata zofunsira kasitomala. Chifukwa chake, fomu yofunsira ngongole yamabanki ikuwoneka kuti ndi yayitali komanso yotopetsa chifukwa akufuna zambiri momwe angathere kuti athe kupanga lingaliro la wopemphayo.
2. Mphamvu
Banki ikufuna kutsimikiza kuti mutha kupanga ndalama zokwanira kuchokera kubizinesi yanu kuti muthe kubweza ngongoleyo komanso chiwongola dzanja. Mphamvu zandalama zitha kudziwika kuchokera muzolemba zanu zachuma, ngati yanu ndi bizinesi yomwe ilipo, komanso chikalata chanu chaku banki cha maakaunti owonetsa momwe ndalama zimalowera ndikutuluka. Ngati yanu ndi yoyambira, ndiye kuti dongosolo lanu la bizinesi liyenera kukhala ndi momwe ndalama zikuyendera zomwe zikuwonetsa kuti mwasanthula mwatsatanetsatane momwe bizinesi yanu ikugwirira ntchito.
Bungwe lobwereketsa lingafunikenso kutsimikizira mphamvu za wobwereketsa kuti achite nawo mgwirizano wotere. Pankhaniyi, momwe mumapangira bizinesi yanu ndizofunikira. Kodi ndinu wabizinesi nokha amene mumagwira ntchito kunyumba kapena mukuyanjana ndi anthu ena, kapena kodi bizinesi yanu ndi kampani yokhala ndi ngongole zochepa? Ngati ndinu eni eni nokha, kodi muli ndi zaka zovomerezeka kuti mulowe mukontrakiti yabizinesi, pakati pa mafunso ena ofunikira.
3 Chuma
Izi zikutanthauza kuchuluka kwa ndalama zomwe wobwereka amakhala nazo mubizinesi yake. Banki ikufuna kudziwa ngati chiwongola dzanja chanu ndi kudzipereka kwanu pazachuma chanu ndizokwanira kutenga zoopsa zamabizinesi kapena kuchepa kwa katundu. Zimawapatsa chitsimikizo kuti simudzangonyamula bizinesi yanu ndikuzimiririka mukangowoneka ngati zovuta pang'ono.
4. Mkhalidwe
Izi ndi zinthu zomwe muyenera kuchita musanatenge ngongole yomwe mwapatsidwa. Nthawi zambiri, amaphatikiza kutsata koyenera kwa mgwirizano wa ngongole, kuvomereza zomwe apereka, kupereka zikalata zomwe zingafunike ndikuwunika kapena kutsimikizira chikole monga momwe zingakhalire. Pangongole yabizinesi, zofunika zina monga kukhazikitsidwa bwino kwa board ya kampani yomwe ikuvomereza pempholo, zitha kufunikira. Ichi ndichifukwa chake ndikofunikira kuti mukhazikitse bizinesi yanu pokhazikitsa malamulo oyenera komanso oyendetsera ntchito.
5. Mgwirizano
Ichi ndi lonjezo lofunika ndi wobwereketsa ngati chitonthozo chowonjezera kuti simudzabweza kubweza. Itha kuwonedwanso ngati gwero lachiwiri la kubweza ngati gwero loyambira litalephera. Gwero lanu lalikulu lakubweza ngongole yabizinesi yomwe banki yanu idapereka ndizochitika wamba zabizinesiyo komanso kuchuluka kwa ndalama zomwe imapanga. Ndi ndalama zanu komanso phindu lanu ndipo banki ikufuna kuwonetsetsa kuti bizinesi yanu ili ndi mwayi wopeza ndalama zokwanira kulipira ngongole yake komanso kukusiyirani phindu.
Funsani eni mabizinesi ang'onoang'ono chifukwa chake sakuyandikira mabanki ake kuti adzalandire ndalama ndipo amangokuuzani kuti alibe chikole. Anthu ambiri amawona chikole ngati njira yayikulu yomwe mabungwe azachuma angabwereke. Zoona zake n'zosiyana. Chikole, kaya ndi katundu, makina, galimoto kapena chilichonse chamtengo wapatali chomwe wobwereketsa angakufunseni kuti mupereke, zimangowonjezera chitonthozo.
Chinachake chomwe wobwereketsa angabwezere nacho ngati zingakhale zosatheka kuti mubweze ngongoleyo. Mabanki sali mu bizinesi yogulitsa nyumba, kapena magalimoto, kapena zinthu. M'malo mwake alibe luso lochita zinthu izi ndipo amasangalala kwambiri ndi makasitomala obwereka omwe amabweza ngongole zawo mwachangu kotero kuti mabanki safunikira kubweza chikole chomwe adalonjeza.
Kutsiliza
Gawo lanu loyamba kuti banki ikupatseni ngongole yabizinesi iyenera kukhala kumvetsetsa zomwe izi ndizomwe ndikuyika bizinesi yanu m'njira yoti ikhale yokopa kwa obwereketsa. Mabizinesi ambiri ang'onoang'ono, ang'onoang'ono ndi apakatikati amapezeka kuti akusoweka momwe amapangira mabizinesi awo, chifukwa chake amalephera kukwaniritsa zofunikira pakupezera ndalama kubanki. Banki yanu singakupatseni ngongole yabizinesi pazifukwa izi:
- Mwalephera kuyeserera kapena kuyesa.
- Bizinesi yanu sinasanjidwe bwino.
- Mulibe dongosolo labwino losunga zolemba.
- Simungathe kupanga zowerengera zodalirika kapena zokwanira zoyendetsera ndalama.
- Mwinamwake mulibe ndondomeko yabwino yamalonda.
- Simungathe kupereka chitonthozo chokwanira ngati zinthu sizikuyenda bwino.