Waraaqaha of credit - damaanad lagu kalsoonaan karo labada dhinac in ay macaamil

Waa maxay credit? Tani waa waajib bangiga ayaa soo saaray oo ku hadlaya magaca iibsadaa, si toos ah in ay bixiyaan dhammaan dokumentiyada la siiyo by iibiyaha, in ay dhacdo waafaqsan dhammaan shuruudaha heshiiska. Warqad noqosho of credit - qaab aan lacag caddaan ah oo lacag bixinta, taas oo damaanad ah oo lacag bixinta. Iibiyaha hubiyaa waraaqaha oo dhan, si waafaqsan heerarka caalamiga ah. Waraaqaha of credit - waa heshiis dhexmaray iibiyaha iyo iibsadaha, loogu talagalay in lagu xaqiijiyo isu dheelitirka ah waxa u dhaxeeya ku dhacdo hawlgallada shisheeye haatan markii ugu horeysay ama gelida suuqa cusub.

Features

Farqiga ugu muhiimsan ee u dhexeeya xarfaha of credit kasta oo siyaabo kale oo loo xisaabiyo - in wareegga waxaa loo isticmaalaa documents oo kaliya, ma alaabta in ay bixiyaan warqada. Banks ka qabtaan si gaar ah waraaqaha ku xusan in warqaddii ee credit, iyagu ma bixiso si kale fiiro heshiisyo (qandaraasyo iyo heshiis kasta oo kale oo u dhexeeya ruxa iibsanaya iyo ruxa). Tani waa waajib ma aha oo kaliya ah, laakiin sidoo kale shuruudaha ku qeexan by iibsadaa, oo siiyaa qoraal bangiga la codsi ku saabsan furitaanka warqad of credit.

Letter of Credit - Waa maxay waxaasi? dhibcood heshiiska

Qoraaldaasi waa in ka mid ah:

• tirada iyo taariikhda;
• lacagta;
• nooca credit;
• faahfaahinta qaataha, bixiyaha, bangiga bixinta, iyo sidoo kale ururka fulinta;
• Habka of dil;
• taariikhda uu dhacayo,
• muddada soo gudbinta dokumentiyada,
• ujeedada bixinta ;
• baahida loo qabo si loo xaqiijiyo,
• liiska waraaqaha iyo shuruudaha,
• habka lacag bixinta waa komishanka ee bangiyada.

Credit xallin karo dhibaatada marka alaab iibiyuhu uu diido in uu soo diro alaabta oo aan damaanad ah lacag, iyo iibsadaha uusan rabin inay lacag siiyaan ilaa aad ka hesho kalsooni ah in wax walba waa la bixiyey iyadoo loo eegayo shuruudaha heshiiska.

noocyada

Waxa aanu helnay in warqadihii credit - waa deymaha bangiga ee dhinaca bixinta dhammaan dokumentiyada la siiyo by iibiyaha, laakiin sidoo kale si ay u fahmaan waxa waa in la cayimay iyaga oo ku. Haddaba ka fiirsada ah noocyada kala duwan ee waraaqaha of credit :

• Revocable. Shuruudaha laga baddalo laga yaabaa, waa ay fududahay in la kansal gareeyo, ogeysiis la'aan in iibiyaha.
• Noqosho. Tani ma la tirtiri karo iyo mid ka mid ah xaaladiisa kaliya ogolaanshaha ee dhammaan dhinacyada bedelay.
• Wareejin. Iibiyaha, ma qeybiyaha xisbiga oo dhan alaabta, wareejiinta lahaanshaha ama milkiilinimada si buuxda ama qayb ahaan noqon in labada dhinac saddexaad oo la socoto tilmaamaha lagama maarmaan ah in bangiga dileen.
• warqado heegan of credit - waa damaanad ah bixinta lacala default by waajibaadka iibsadaa ee u gaarka ah ku qeexan heshiiska.
• Revolver. Waxaa loo adeegsaday in sahayda caadiga ah ee badeecada. Inta ay warqaddii of credit si toos ah waa buuxsameen sida lacagta xadka ku dhisay, iyo saxsanaanta.

Faa'iidada iyo khasaaraha

Waraaqaha of credit - waxaa gabi ahaanba waa la hubaa in la helo lacagta oo dhan ka iibsadaa, la socodka taxaddar ah u hogaansamaan dhammaan qodobada heshiiska, soo celiyo buuxa haddii aad baajiso macaamil ganacsi, iyo sidoo kale sharci mas'uul ee bangiyada, waayo, sharcinimada hawlaha, halkaas oo credit ah waxaa laga codsadaa. darrada ayaa waxaa ka mid ah dhib iyo qiimaha sare ee warqadaha ah ee foomkan of xisaabinta ganacsiga shisheeye.