'O ka waiwai nui o ka waiwai

'O ke kūlana kālā o kēlā me kēia hui e helu'ia e nā hō'ailona o ka palekana a me ka waiwai'ole. 'Ōlelo lākou i nā'oihana no'ono'o inā paha i ka manawa pōkole e hiki i ka hui ke uku i kāna mau aie a me kāna mau aie.

'O ka uku'ole o nā waiwai,'o ia ka hiki'ana o ka'ahahui e uku hō'ai'ē i ka'ai'ē me ka uku o nā kālā i loa'a a me kāna pono'ī. 'O kēia hō'ike he'ano ia o ka hō'oia'i'o o ke kūlana kālā. Ua hō'ike'ia ma ke'ano o ka palekana ai'ole, ma ke'ano, ka nele o ka palekana o nā waiwai ma nā kumu lō'ihi. 'O ka hi'ohi'ona nui loa o ka hō'aia'ana o ka'oihana he'oi aku ka'oi o ka waiwai o nā waiwai ma luna o nā kuhi i ka wā pōkole. 'O ka'oi aku o kēia'ano'ē a'e,'o ka'oi a'e o ka noho pa'a o ke kūlana kālā o ka hale.

'O ke kumukū'ai wai nui e hō'ike'ia ana e ka nui o ka ho'ohuli'ana i ke kālā. I ka ho'omehana waiwai, koho'ia lākou'o A1. 'O kēia mau mea he mau kālā ho'olālā pōkole, kālā kālā o ka'ahahui a me ke kālā i loko o ka'ike.

'O ka hui a'e'o A2. Loa'a nā kālā loa'a.

A3 -'ike mālie. Ma ka pālākiō hō'ulu'ulu'ia e like me nā "Ho'olālā wā lō'ihi", a me nā "waiwai o kēia manawa".

A4 - ua ho'okō pono'ia. Loa'a kēia mau mea "'Ai'ole nā pono i kēia manawa".

Ho'oka'awale'ia nā kuleana i nā'ano'ehā, ma muli o ka wikiwiki o ka ho'iho'i'ana.

P1 - nā lālā no ka wā pōkole loa. Loa'a iā lākou nā kālā pili a me nā kuhi wā pōkole.

'O ka papa P2 nā hua'ōlelo "Borrowed funds" a me kekahi mahele o ka'atikala "Nā palena wā lō'ihi".

'O ka manawa lō'ihi ho'i no P3. 'O kēia mau kuhi i nā loina lō'ihi, a me nā kālā kālā'ē a'e.

Ma ka waihona palekana, aia kekahi'atikala "Nui a me nā Kū'ali." Ua komo'o ia i loko o ka hui "Nā Ha'awina Mau Loa" - P4.

Ka Ikepili o kaʻoihana kālā a me ka solvency kikowaena hoʻohālike o ka waiwai a me nā kumu'āi'ē. Inā he kūlana pili kālā ka'oihana,'oi aku ka laina me nā kumu i lalo: А4≤П4; A3GBU3; A2≥P2; A1≥1. I ka hihia kahi i'oi aku ka nui o nā waiwai wai nui ma mua o nā kuleana o ka P1, hiki i ka hui ke uku koke i nā kuhi wā pōkole. Ke ho'onui'ia nā kūlana A3MP3; A2≥P2, maika'i maika'i ke kālā. 'O ka pae'ole А4≤П4 ke hō'ike nei he nui nā waiwai waiwai o ka'oihana. Inā he'ano like'ole kēia mau mea a pau, a laila, he like loa ka ho'emi'ia o ka palekana mai ka mea kūpono loa.

Hiki ke mālama'ia kekahi'ano o nā waiwai no ka nele o nā mea'ē a'e me ko lākou keu, akā, he mea pono e no'ono'o i ka manawa o ka loli'ana i kālā ke lō'ihi aku. Eia kekahi la'ana,'a'ole e hiki ke pani'ia nā waiwai wai nui e nā mea'ē a'e, no ka mea,'o ia ka ala wikiwiki loa e uku i nā kuleana me nā hoa pili.

I loko o ka hō'oia'ana o ke kūlana o ka hui, ua helu'ia kekahi mau hō'ailona'ē a'e. Eia nā kumu penei:

1) ʻoihana kālā kaʻi lau waiwaiʻikena. Ho omaulia i ka puu hapa o kaʻikena waiwai a me kaʻikena nā kumu'āi'ē.

2)'O ka li'ili'i li'ili'i he mea kūpono. 'O kēia ka lākiō o ke kālā i nā kuhi o ka wā.

3) He mea wikiwiki ka lihi helu. 'O kēia ka waiwai nui o ka wai i pu'unaue'ia ma nā kuhi wā pōkole.

'O ke kūlana o ka pa'a kālā,'o ia ho'i, ka uku'ole a me ka ho'olimalima'ia'ana o ka hale, he mea pono ke'ike maoli i nā mea like'ole. Eia kekahi la'ana,'a'ole e hā'awi kahi kī'aha i kahi hui e hō'ai'ē ai a hiki i ka manawa e nānā nui'ia ai ka waihona palekana a me kekahi mau palapala kiko'ī. Inā mana'o ka mea kālā i ka'ahahui e kū ana i kahi kūpono e uku'ole i ka hō'ai'ē i lawe'ia, akā, e uku i ka uku a pau ma luna o ia mea, e loa'a ana i ka kālā i makemake'ia.

Eia hou, pono ka luna ho'ona'auao a mea paha o ka'oihana e nānā i ka ho'ololi'ana i ka palekana a me ka waiwai'ole, a hō'ike i nā hopena i ka ho'onohonoho'ana.