Icyiciro cya 1 cy'izuba ni iki?

Icyiciro cya mbere cyizuba ni icyiciro cyibipimo bishingiye kumafaranga byasobanuwe na Bloomberg NEF kugirango ubone ibirango byizuba byamabanki bikwiranye ningirakamaro zikoreshwa.

Abakora icyiciro cya 1 module bagomba kuba baratanze ibicuruzwa byabo bwite byakozwe mubikoresho byabo byibuze imishinga itandatu itandukanye irenga MW 1.5, yatewe inkunga na banki esheshatu zitandukanye mumyaka ibiri ishize.

Umushoramari ukomoka ku mirasire y'izuba ashobora kumenya ko sisitemu ya Bloomberg NEF iha agaciro ibirango by'izuba bizobereye mu mishinga minini, y'ingirakamaro.

Imirasire y'izuba yo mu cyiciro cya 2 ni iki?
Icyiciro cya 2 imirasire y'izuba 'ni ijambo rikoreshwa mugusobanura imirasire y'izuba yose itari icyiciro cya 1.
Bloomberg NEF yashyizeho gusa ibipimo bikoreshwa mu kumenya amasosiyete akomoka ku mirasire y'izuba yo mu cyiciro cya 1.

Nkibyo, nta lisiti yemewe yamasosiyete yizuba ya Tier 2 cyangwa Tier 3.

Nyamara, abantu munganda zizuba bakeneye ijambo ryoroshye kugirango basobanure abakora inganda zose zitari mucyiciro cya mbere kandi Tier 2 nijambo ridafatika-ijambo rikoreshwa.
Itandukaniro nyamukuru hagati yicyiciro cya 1 nicyiciro cya 2 ibyiza nibibi byicyiciro cya 1 vs icyiciro cya 2 cyizuba.Inganda 10 za mbere zikora izuba - amasosiyete yose yo mu cyiciro cya 1 - zingana na 70.3% by’imigabane y’isoko ry’izuba muri 2020. Inkomoko yamakuru:

Imirasire y'izuba
Urwego rwa 1 rukora imirasire y'izuba bemeza ko rutarenze 2% by'abakora izuba bose mubucuruzi.

Dore itandukaniro ritatu ushobora gusanga hagati yicyiciro cya 1 nicyiciro cya 2 cyizuba ni ukuvuga 98% byamasosiyete asigaye:

Garanti
Itandukaniro nyamukuru hagati yizuba ryicyiciro cya 1 nicyiciro cya 2 cyizuba nicyizere cya garanti.Hamwe nimirasire yizuba ya Tier 1, urashobora kwizera ko garanti yimyaka 25 yimikorere izubahirizwa.
Urashobora kwakira inkunga ya garanti nziza ya societe yo mu cyiciro cya 2, ariko amahirwe yo kubaho mubisanzwe ni make cyane.

Ubwiza
Icyiciro cya 1 nicyiciro cya 2 byombi bikoresha imirongo itanga ingufu zituruka kumirasire y'izuba hamwe numurongo wo guteranya izuba ryateguwe kandi ryubatswe nibigo bimwe byubwubatsi.
Nyamara, hamwe nicyiciro cya 1 cyizuba, amahirwe yizuba afite inenge ni make.

Igiciro
Imirasire y'izuba yo mu cyiciro cya 1 isanzwe ihenze 10% kuruta izuba rya Tier 2.
Nigute ushobora guhitamo imirasire y'izuba?
Niba umushinga wawe ukeneye inguzanyo ya banki cyangwa ushobora kwemera igiciro kiri hejuru, urashobora guhitamo Urwego.

Ikirango kimwe
Niba ukeneye imirasire y'izuba ku giciro cyiza, urashobora gutekereza izuba ryinyanja.Imirasire y'izuba irashobora kuguha icyiciro cya 1 cyiza kandi cyapiganwa cyizuba.