Puas credit keeb kwm - kho tau

Zoo, yuav ua li cas muaj peev xwm kuv tau txais ib cov nyiaj txais? Tiag tsis muaj bank yog npaj txhij rau qhov teeb meem ib tug cov nyiaj txais yog hais tias nws puas credit keeb kwm?! Yuav tsim txom koj tus kheej nrog kev txom rhetorical lus nug borrower. Tsis yog, kom tau ib tug cov nyiaj txais nrog kev phem credit keeb kwm tau. Tab sis suav tau rau ib cov nyiaj txais nrog ib tug tsawg tus nqi nyiaj laum yog tsis tsim nyog.

sluagh feem ntau hais tias ib tug borrower mus rau dozens ntawm lub tsev txhab nyiaj xav tau ib tug txais nyiaj uas phem credit keeb kwm thiab tau txais qhov failures.

Thaum xav ib daim ntawv thov rau ib tug txais nyiaj, cov txhab nyiaj los yog MFI, yuav xav mus saib mus rau leej twg lawv muab credit, thiab ntau npaum li cas lawv raug lawv cov nyiaj. Rau lub hom phiaj no, lub bank nug cov borrower ntawm nws cov kev qhia kom paub ntaub ntawv, xa nws mus rau lub credit chaw khaws, nyob rau hauv thiaj li yuav to taub dab tsi yog qhov uas yuav muaj neej ntawd hais rau cov nyiaj txais nyob rau hauv ib tug neeg. Cov credit keeb kwm ntawm ib tug neeg, cov ntaub ntawv khaws tseg rau yav tas los muab cov nyiaj qiv, txhaum, los yog credit account tseeb kis tau tus mob nyob rau hauv kollektrskoe chaw ua hauj lwm. Ntawm cov hoob kawm, yog ib tug neeg lub credit keeb kwm puas tsuaj tas lawm, vim nws cov tsawg nyiaj txiag kev qhuab qhia, yog ib tug zoo tshwm sim rau tsis ua hauj lwm.

Tab sis yog vim li cas uas cov borrower yog sab laug nrog puas credit keeb kwm yuav tsum yog ib tug ntau, nws yog ib tug kab mob, thiab kev tso tawm los yog tsev neeg. Thiab cov tsev txhab nyiaj, raws li ib tug txoj cai, mus rau borrowers uas muaj ib ntus nyiaj txiag teeb meem, thiab muab ib ncua los yog ib tug thiaj li hu ua yooj yim so credit. Cov txhab nyiaj muaj peev xwm ntxiv rau tus tom ntej kev them nyiaj yog hais tias tus borrower mus rau lub tsev txhab nyiaj nyob rau hauv ua ntej. Nyob rau hauv cov ntaub ntawv ntawm cov hnub caiv, cov bank yuav tsis lwj lub ntsiab lus ntawm credit keeb kwm, thiab nws yuav nyob twj ywm huv si.

Tab sis, hmoov tsis, ntau txais yog tsis paub txog tej kev xaiv, yog muab los ntawm lub tsev txhab nyiaj. Thiab lub borrower tsis qhia rau lub tsev txhab nyiaj txog lub ib ntus los xij, tau txais raws li ib tug tshwm sim ntawm puas credit keeb kwm.

Raws li kev cai lij choj nyob rau hauv Credit keebkwm, cov kev kawm ntawm ib daim credit keeb kwm yuav rov hais dua puas credit keeb kwm. Ua li no, koj yuav tau sau ib tsab ntawv mus rau lub credit chaw khaws, cim tias seb thaum dab tsi ntxiv nyob rau hauv cov dab neeg no yog tsis muaj tseeb, thiab txuas mus rau hauv daim ntawv thov substantiate no qhov tseeb.

Tom qab soj ntsuam, cov chaw khaws qhia tsab ntawv mus rau tus neeg thov ntawm cov ntsiab ntawm cov kev soj ntsuam thiab ua tsim nyog hloov mus rau lub yav tas los puas credit keeb kwm.

Txawm li cas los, yog hais tias, cov ntaub ntawv muaj nyob rau hauv ib tug credit keeb kwm, lus dag, thiab hais tias tus neeg thov kev yog tsis tau muab substantiation, lub credit chaw khaws yuav tsis teb rau cov nqe lus ntawm qhov chaw.

Nyob rau hauv cov ntaub ntawv no, txhim kho phem credit keeb kwm yuav tsuas txhim kho nws tus cwj pwm mus rau nyiaj txiag liabilities. Cov kev kawm ntawm puas credit keeb kwm yuav txawm muab rau unattractive tej yam kev mob ntawm neeg credit, them nws tsis txhaum thiab yog li tsim ib tug tshiab cov ntaub ntawv nyob rau hauv nws cov keeb kwm, ua li no nws credit rating.