Inkqubo ye-Inshurensi yeTyala

Uvavanyo lwangaphambili lomngcipheko: umjelo wekhredithi uya kuvavanya ngokubanzi imeko yomngcipheko womthengi kwaye unike iingcebiso zomngcipheko kwimiba yolwazi lobhaliso, iimeko zoshishino, iimeko zolawulo, iirekhodi zentlawulo, ulwazi lwebhanki, iirekhodi zetyala, iirekhodi zesiqinisekiso se-mortgage, ulwazi lwemali, njl. oluluvavanyo olubanzi nolunenjongo yesakhono somthengi sokuhlawula ityala lexesha elifutshane kunye nokuzimisela kwentlawulo.

Ukukhuselwa komngcipheko we-Ex post: I-inshurensi yekhredithi inokunceda abathengi banciphise ngokufanelekileyo ilahleko ebangelwa yimingcipheko yezorhwebo nezopolitiko. Umlinganiselo omkhulu wembuyekezo ye-inshurensi yexesha elifutshane/eliphakathi ye-inshurensi yetyala lokuthumela ngaphandle ingafikelela ngaphezulu kwe-80%, nto leyo iwenza buthathaka kakhulu umngcipheko wokuthengiswa kwetyala kumazwe angaphandle.

I-inshurensi yetyala + imali yebhanki: Emva kokuba ishishini lithathe i-inshurensi yetyala kwaye lidlulisele amalungelo okubuyisela kunye nomdla ebhankini, inqanaba letyala leshishini liya kuphuculwa ngenxa yokhuseleko lwe-inshorensi, ngaloo ndlela inceda ibhanki ukuba iqinisekise ukuba umngcipheko wemali ukulawulwa kwaye unike imali-mboleko kwishishini; Kwimeko nayiphi na ilahleko ngaphakathi kwendawo ye-inshurensi, i-Sinosure iya kuhlawula imali epheleleyo ngokuthe ngqo kwi-bhanki yemali ngokuhambelana nemimiselo yomgaqo-nkqubo. Ngoncedo lwenkxaso-mali, unokusombulula ingxaki yexesha elide lokuthengisa i-capital ehlala, ukukhawulezisa i-capital turnover.