Kuyini Ukuthuthukiswa Kwesikweletu?

Ukuthuthukiswa Kwezikweletu kuyisu lokuthuthukisa iphrofayili yengcuphe yekhredithi yebhizinisi noma umsebenzi wezezimali ohlelekile ngokuvamile ukuze uthole imigomo engcono yokukhokha isikweletu. Ngaphakathi komkhakha wezezimali, Ukuthuthukiswa Kwekhredithi kungase kusetshenziselwe ukunciphisa ubungozi kubatshalizimali bemikhiqizo ethile yezezimali ehlelekile noma imisebenzi. Futhi/noma ukuthuthukisa iphrofayili yezikweletu zababoleki.

Umsebenzi oyinhloko uwukwenza ukuzethemba okwengeziwe kubatshalizimali. Lokhu kufinyelelwa ngokunciphisa ubungozi obubonakalayo nobungokoqobo bokulahlekelwa kokutshalwa kwezimali. Futhi ngokwenza kanjalo, ukwandisa izinsiza zezimali kubaboleki abahlomulayo. 

Ezimweni eziningi, Ukuthuthukiswa Kwesikweletu kuwumsebenzi oyinkimbinkimbi wezezimali. Kudinga ulwazi oluqinile namandla ezezimali esikhungo esiqinisekisayo.

Ukuthuthukiswa Kwekhredithi kuyasiza ngoba:

• khuthaza ababolekisi nabatshalizimali ukuthi bafake imali ezimakethe noma emikhiqizweni abangayijwayele (njengokuboleka kwamandla avuselelekayo).

• ingakwazi ukumunca ubungozi bokulahlekelwa futhi, ngenxa yalokho, isetshenziswe njengethuluzi lokuxoxisana lokukholisa ababolekisi ukuthi behlise izilinganiso zenzalo noma banikeze imibandela yemalimboleko ende.

• ingasetshenziswa njengendlela yokuxoxisana yokuqinisekisa ababolekisi ukuthi baxegise imibandela yabo yokubhala phansi ukuze baboleke abantu ngabanye noma amabhizinisi anamaphrofayili esikweletu aphansi kunalawo ajwayelekile.

Ukuthuthukiswa Kwekhredithi kwenzeka lapho ikhwalithi yekhredithi yesibambiso ikhushulwa ngaphezu kwesikweletu esingavikelekile somxhasi noma leso sephuli yempahla eyisisekelo. Kusetshenziswa uxhaso oluhlukahlukene lwangaphakathi kanye/noma lwangaphandle ukuze kwandiswe amathuba okuthi abatshalizimali bathole ukugeleza kwemali abanelungelo lakho. 

​

Ukuthuthukiswa Kwesikweletu Sangaphakathi

I-Subordination: Isigaba sezibambiso ezisebenza njengesendlalelo sokuvikela sababolekisi abavikelekile. Uma imali ebolekiwe ephuliwe ingaphumeleli, noma yikuphi ukulahlekelwa okutholwe ngaleyo ndlela kudonswa izibambiso ezingaphansi

I-Overcollateralization: Inani lephothifoliyo yemalimboleko likhulu kunesibambiso esisisekelayo :

​

Ukuthuthukiswa Kwesikweletu Sangaphandle

Ibhondi yesibambiso: Ibhondi yesibambiso inqubomgomo yomshwalense ehlinzekwe yinkampani yomshwalense elinganiselwe futhi elawulwayo ukuze ibuyisele i-ABS (Isivikelo Esisekelwa Impahla) nganoma yikuphi ukulahlekelwa okwenzekile. Enye indlela enkulu yokuthuthukisa isikweletu amabhondi esibambiso. Leli ithuluzi lesibambiso elisetshenziswa i-ex-ante ukuvala isikweletu esikhulu. Kulokhu, amabhondi eSiqiniseko ayizinqubomgomo zomshwalense ezisho ukuthi umshwalense uqinisekisa izinkokhelo zenzalo futhi eziyinhloko kubatshalizimali bakwa-ABS kuze kufike enanini elishiwo. I-ABS enomshwalense ilinganiselwe ngokulingana nesilinganiso sokukhokha izimangalo senkampani yomshwalense, ngokuvamile elinganiselwe ngo-A, ngoba inkampani yomshwalense iqinisekisa ukukhokhwa ngesikhathi kothishanhloko kanye nenzalo yesibambiso.

Isiqinisekiso Somzali: Olunye uhlobo lwesiqinisekiso somuntu wesithathu yilapho inkampani engumzali yomkhiphi iqinisekisa inkokhelo. Ngezinye izikhathi, umkhiphi we-ABS usekelwa incwadi yesikweletu (LOC), lapho ibhange/inkampani yomshwalense ithembisa, ngenkokhelo, ukukhokhela okhiphayo lapho okhiphayo engenakho okwanele ukwenza inkokhelo yamanje.

I-Akhawunti Yesibambiso Semali: Kulesi simo, okhiphayo uboleka inani elidingekayo lokuthuthukisa isikweletu, ngokuvamile ebhange lezentengiselwano, bese etshala lelo nani ephepheni lebhizinisi elinesilinganiso esiphezulu kakhulu (inyanga eyodwa). Njengoba lokhu kuyidiphozi yangempela yemali—ngokungafani ne-LOC, emele isibambiso semali—ukwehliswa komhlinzeki we-CCA (Cash Collateral Account) ngeke kubangele ukwehliswa komsebenzi.

Ngeminye imibuzo sicela uthinte ithimba ku-Surety Bonds ngokuqondile. Bona ngezansi.

​

​