Ukuzenzekela kwezemali, ngakumbi kwicandelo logcino-mali, ngokwesiqhelo kwaqala ngeenkqubo ezisebenza rhoqo kunye neentengiselwano. Kwiibhanki, eyona misebenzi ixhaphakileyo ibandakanya ukusetyenzwa kwentengiselwano kunye nokubolekwa kweevenkile.

Le mimandla ibe yingqwalasela ephambili yemizamo yokuzenzekelayo, ebandakanya imiba enjengokulungiswa kwesicelo, ukuhlolwa komngcipheko, kunye nokuguqulwa kokuphononongwa ngesandla kweefom kunye namaxwebhu ukuya kwiitshekhi ezizenzekelayo kunye novavanyo olusekelwe kwimodeli.

Inkxaso-mali ye-Mezzanine ihluke kakhulu kwezi nkqubo ze-frequency ephezulu. Iphawulwa ngendalo yayo ekhethekileyo, eyenziwe ngokwendalo, inkxaso-mali ye-mezzanine ithatha indawo ethile ye-niche ngaphakathi kwendawo yezemali: imele isisombululo senkxaso-mali esinamanqanaba aphezulu omngcipheko, abekwe ngobuchule phakathi kweemali mboleko zeshishini kunye notyalo-mali olulinganayo.

Inkxaso-mali ye-Mezzanine mhlawumbi ibandakanya ukubonelela ngenkxaso-mali kwinqanaba labanini-zabelo (olulungelelwaniso lolwakhiwo) okanye ngokufunyanwa kwe-equity kudityaniswe nezixhobo zembuyekezo ezifana neenketho zokubeka (ukufakwa phantsi kwekhontrakthi).

Ukunikezelwa kwento enye kunye neyodwa kakhulu yendalo ye-mezzanine, iinkqubo ezizenzekelayo kule ndawo zibonakalisa umngeni omkhulu. Umbuzo wendalo uya kuba ngulo ulandelayo: iibhanki, ngokukodwa ezinkulu, zinokusondela njani kumsebenzi wokuphucula inzuzo yeshishini labo le-mezzanine ngokusebenzisa i-automation kunye nokuguqulwa kwedijithali?

Njengengcali enamava abalulekileyo kwimimandla yoBulungisa baBucala, uLawulo loMngcipheko, kunye neMali, ndijolise ekuboneleleni ngophononongo lwentshayelelo kwinguqu yedijithali kwimali ebolekwayo ye-mezzanine efuna ukutyhila ubunzima kunye nokubonelela ngamabali empumelelo ekusebenziseni inkqubela phambili yetekhnoloji kwindawo. yebhanki ngokwesiko exhomekeke kwi-bespoke, ukwenza isivumelwano somntu ngamnye.

Indawo yesiNtu yokuBoleka kweMezzanine

Inkxaso-mali ye-Mezzanine licandelo elahlukileyo kunye nelinentsingiselo phakathi kwemeko yezemali ebanzi. Njengoko bekutshiwo ngaphambili, ikwindawo ephakathi phakathi kweemali mboleko zeshishini kunye notyalo-mali olulinganayo kwaye iphawulwa ngenqanaba lomngcipheko eliphakamileyo.

Ngokukodwa, isivumelwano ngasinye se-mezzanine senziwe, kwaye silungiselelwe ukuhambelana neemfuno kunye neemeko zomthengi ngamnye, njengesuti eyenziwe ngokwezifiso.

Imicelimngeni yokuBoleka kweMezzanine yesiNtu

Ubume benkxaso-mali ye-mezzanine ngokwendalo izisa imiceli mngeni ebalulekileyo. Iindlela zemveli zixhomekeke ikakhulu kwiinkqubo ezenziwa ngezandla kunye nokwenziwa kweentshukumo zomntu ngamnye. Le ndlela ifuna ukuqonda ngokunzulu imiba eyodwa yesivumelwano ngasinye, iseti yesakhono esihlala sinqongophele kwaye siyabiza .

Kwiibhanki ezinkulu ezinamacandelo emboleko eenkampani, abathengi kunye nabaphathi beentengo zemboleko bazi kakuhle kwiimveliso zetyala. Nangona kunjalo, ukudibana kwabo nentengiselwano ye-mezzanine ayiqhelekanga, nto leyo inciphisa ubuchwephesha babo ekuthengiseni ngokufanelekileyo okanye ukutsala izivumelwano ezinjalo.

Ukuseka iqela elikhethekileyo labaphathi beeklayenti ngokukodwa kwiimveliso ze-mezzanine akubizi nje kuphela, kodwa kukwanyusa iindleko xa kuthelekiswa neenkqubo zokuboleka ezisemgangathweni.

Nangona kunokwenzeka ukudibanisa iimveliso zotyalo-mali eziyinkimbinkimbi zibe ngamaqela ukunciphisa iindleko, i-digitalization kule nkalo ivela njengenye indlela yoqoqosho kunye nokusebenza kakuhle.

Ukwenziwa kwedijithali njengeSicombululo

Utshintsho lwedijithali ekubolekeni kwe-mezzanine lujolise ikakhulu ekuchongeni isivumelwano kunye nomtsalane. Uninzi lweengcaphephe zetyala kunye nabaxumi kwiibhanki zisebenzisa iinkqubo ezirekhoda uthethathethwano, izimvo zokujongana, kunye neeparamitha zesivumelwano sokuqala.

Ukudibanisa imilinganiselo ye-mezzanine kwezi nkqubo zikhoyo zinokwenza ngokuzenzekelayo ukuchongwa kwezinto ezinokubakho ze-mezzanine.

Xa intengiselwano ihlangabezana nale migaqo, inokuthunyelwa ngokuzenzekelayo kwicandelo le-mezzanine ukuze iqhubekele phambili. Ukuqhubela phambili okungaphezulu kunokubandakanya iimodeli ze-AI eziqeqeshelwe ukwahlula phakathi kweemali-mboleko ezisemgangathweni zeshishini kunye nezivumelwano ze-mezzanine ezisekwe kubuninzi beeparamitha zezivumelwano ezingenayo.

Ubungakanani bolu tshintsho lubalulekile: ngelixa ibhanki enkulu inokuqhuba amawaka eentengiselwano zemali-mboleko yenkampani ngonyaka, izivumelwano zenkxaso-mali ye-mezzanine zinqabile, zihlala zibalelwa ngenani elinye. Ukusetyenziswa kwenkqubo yokuchonga izivumelwano ze-mezzanine kunokukhokelela ekunyuseni ngokuphindwe kalishumi kumthamo wazo.

Ukulungelelanisa iNkqubo: Ukuzenzekela kunye nokuMiswa koMgangatho

Ukuguqulwa kwedijithali kunokulungelelanisa ukuphunyezwa ngokuzenzekela kunye nokulinganisa inkqubo. Endaweni yokuntywila ngokuthe ngqo kwi-automation egcweleyo kunye nophuhliso lweqonga, unokugxila kubuchwephesha obulula njenge-RPA, eyenza ukuqokelela idatha, ukuqinisekiswa, ukubala, kunye nokunika ingxelo. Oku kunciphisa umsebenzi wezandla kunye neempazamo kwaye kuphuculwe ukubalwa kwemali kunye nokuthotyelwa.

Izixhobo ze-mezzanine ezisemgangathweni kunye namaxwebhu afana namaphepha exesha kunye nezivumelwano zemboleko zinokuthi zenziwe ngokukhawuleza kwisivumelwano ngasinye ngaphandle kokulahlekelwa ngumgangatho. Oku kukhawulezisa ukusetyenzwa kunye namaxwebhu, nto leyo iphucula ngakumbi ukungafihli kunye nokungaguquguquki.

Amaqonga eDijithali kunye nezixhobo ezinje ngogcino-lwazi kunye needeshibhodi zinceda ukulandelela nokulawula umthamo onyusiweyo wesivumelwano kunye nokwahluka ngokuququzelela ulwazi. Oku kuvumela ukubeka iliso kwimeko kunye nenkqubela phambili, ukuchonga kunye nokusombulula imiba.

Ngokubanzi, ukuzenzela kunye nokubekwa emgangathweni kwenza kube lula ukwenziwa, ukunciphisa ukungqubana kunye neendleko. Ngokulungelelanisa inkqubo yokuphela ukuya ekupheleni, ukuguqulwa kwedijithali kwenza ukuba i-mezzanine ibolekwe isebenze kakuhle, ihlaziywe, kwaye inenzuzo.

Indima yeZixhobo zokuNika iNgxelo

Ingxelo yepotfoliyo ye-Mezzanine yingxaki ngaphandle kwedatha esemgangathweni. Ezi zivumelwano zahlukeneyo azikho elubala, nto leyo eyenza kube nzima ukusoloko kuvavanywa imbuyekezo engundoqo kunye neemetriki zomngcipheko.

Izixhobo zeDigital analytics zokubonwa kwedatha kunye noBukrelekrele boShishino bunokunceda ngokudibanisa idatha ecandekileyo ukuze kubonakale okudityanisiweyo: kwenza iidashbhodi ezisebenzisanayo ezibonisa ukusebenza kwepotfoliyo ecatshulwe ngumboleki, imboni, ijografi, kunye neminye imilinganiselo - oku kuxhobisa ukujonga okugcweleyo.

I-Qlik ikwavumela uhlalutyo oluphambili njengemodeli yokuxela kwangaphambili, uhlalutyo lwemeko, kunye novavanyo loxinzelelo. Ababolekisi banokulinganisa ukusebenza kwepotfoliyo yexesha elizayo phantsi kweengqikelelo kunye neemeko ezahlukeneyo - ezi nkcukacha ziqhutywa yidatha zinceda ukwandisa iqhinga kunye nokunciphisa umngcipheko.

I-Qlik Sense kunye ne-data analytics kule nkalo yiyona nto ingcono kakhulu ukubonelela ngokucacileyo kunye nokuqonda okufunekayo ukulawula ngokusebenzayo iiphothifoliyo ze-mezzanine. Ngokwenza ingxelo ebanzi kunye nohlalutyo oluqikelelweyo kwezi zivumelwano zinzima, ukuguqulwa kwedijithali kunika ababolekisi ukubonakala okufunekayo ukuze kwandiswe imbuyekezo kunye nokunciphisa umngcipheko. Sisixhobo esinamandla sokuphucula iziphumo zokuboleka i-mezzanine.

Izifundo

Kweli candelo, siza kuphonononga iimeko zenkqubo yokuthenga ngetyala. Ngokucacileyo, kukho iimeko ezilinganiselweyo ezicacileyo zokwandisa utshintshiselwano lwe-mezzanine ngaphaya komsebenzi wethu e-Sberbank.

Nangona kunjalo, ndiza kubonisa imizekelo ebonisa indlela iindlela ezifanayo ezinokusetyenziswa ngayo kwishishini le-mezzanine, ngokufana noko sikufumene e-Sberbank phakathi kuka-2018 kunye no-2021, kunye nento endiya kuyityhila kamva kwisicatshulwa.

I-Case Study 1: I-Major Bank yaseYurophu isebenzisa i-End-to-End Digital Platform yokuBoleka imali

Imvelaphi : Ibhanki enkulu yaseYurophu ifune ukulibeka ngokutsha ishishini layo lokuboleka i-SME phakathi kokhuphiswano lwabakhuphisani be-fintech. Ijonge ekudaleni inkqubo yendalo yedijithali enohambo lwabathengi olungenamthungo. Inyathelo lokuqala ibikukubuyisela imali mboleko yayo yorhwebo ngezicelo ezilungelelanisiweyo, ukufikelela kwiselula, kunye nokuvunywa kwexesha lokwenyani.

Indlela : Ibhanki ibambisene ne-Deloitte ukuchaza iimfuno zabathengi kunye nobuchwephesha kwiNkqubo entsha yokuBoleka kweDijithali esekwe kwilifu. Iqonga le-OpenDATA lika-Deloitte kwi-AWS lenze ukuba libe bhetyebhetye, elinokwehla, nophuhliso lweemodyuli. Oku kuvumele ukwamkelwa kweendlela ze-Agile, ukuhambisa inguqulelo yokuqala kwiiveki nje ze-13.

Inkqubo isebenzisa i-analytics ephezulu kuquka i-AI kunye ne-ML ukudibanisa kunye nokuhlalutya idatha kwiinkqubo zangaphakathi, i-database yangaphandle, imidiya yoluntu, kunye neminye imithombo yokudala iiprofayili zomboleki ezibanzi, ezihlaziyiweyo.

Isebenzisa imithetho emiselweyo yokucoca kunye nokufaneleka kwerenki ye-mezzanine financing. I-RPA, i-blockchain, kunye neekontraki ezihlakaniphile zizenza ngokuzenzekelayo imisebenzi yezandla efana namaxwebhu, izibalo, kunye nokunika ingxelo.

I-Qlik Sense yenza i-interactive data visualization, imodeli eqikelelwayo, iimeko, kunye novavanyo loxinzelelo ukuze kulungiswe izicwangciso ze-mezzanine kunye nokulawulwa komngcipheko.

Ngenxa yoko, ixesha lokufaka isicelo semali-mboleko liye lancitshiswa ukusuka kwiintsuku ezingama-20 ukuya kwimizuzu eyi-15, izinga lokuvunywa linyuke ukusuka kwi-50% ukuya kwi-90%, kwaye iindleko zokuyilungisa zehla ngama-70%. Ukuhamba okukhokelayo, umgangatho, kunye noguqulo nazo ziphuculwe, ngelixa ukungafihli kunye nokungaguquguquki kweminikelo ye-mezzanine iye yaphuculwa. Uhlalutyo kunye nokulinganisa izicwangciso eziphuculweyo kunye nezigqibo.

I-Case Study 2: INkampani yaBucala eBolekayo Isebenzisa iGoDocs ukuze iphucule ukuboleka imali

Imvelaphi : I-TheLender yinkampani yabucala eboleka imali egxile ekuboneleleni ngemali mboleko yebhulorho kubatyali-zimali bezindlu. UMbolekisi wafuna ukuzahlula kwabanye ababolekisi ngokunikezela ngenkqubo yokuboleka ekhawulezayo, elula, necacileyo ngakumbi.

Indlela yokufikelela : Inkampani isebenzisana neGoDocs, umboneleli okhokelayo wesoftware yokuvelisa uxwebhu lwemali-mboleko, ukuphumeza iqonga lokuboleka imali yedijithali elenza yonke imvelaphi yemali-mboleko kunye nenkqubo yokuvala.

Iqonga liphakamisa i-computing yefu, ubukrelekrele bokwenziwa, kunye netekhnoloji yebhloko ye-blockchain ukuhambisa ukuhamba komsebenzi, ukunciphisa iimpazamo, kunye nokuphucula ukhuseleko.

Ngaphaya koko, iqonga lokuboleka imali yedijithali likaMbolekisi liyenze yakwazi ukunciphisa ixesha lokuvelisa amaxwebhu emboleko ukusuka kwiiyure ukuya kwimizuzu, ukususa ukungena kwedatha ngesandla kunye neempazamo zabantu, ukubonelela ngokubonakala kwexesha lokwenyani kunye nentsebenziswano phakathi kwawo onke amaqela abandakanyekayo kwintengiselwano, ukugcina ngokukhuselekileyo kunye nokwabelana ngemali mboleko. amaxwebhu kwileja esasaziweyo, kwaye ekugqibeleni idityaniswe neenkonzo zomntu wesithathu ezifana namaziko okuthenga ngetyala, iinkampani zetayitile, kunye neearhente ze-escrow.

Ngenxa yoko, iqonga lenkampani yokuboleka imali yedijithali lincede ukuba linyuse umthamo wemali-mboleko kunye nengeniso ngama-300% ngonyaka omnye, liphucule ukwaneliseka kwabathengi kunye namazinga okugcina, ukunciphisa iindleko zokusebenza kunye nemingcipheko, kunye nokufumana umda wokukhuphisana kwimali-mboleko yabucala. imarike.

Ukuqukumbela

Ukuguqulwa kwedijithali kunika ithuba elinyanzelisayo kubabolekisi be-mezzanine ukuba bahlaziye kwaye benze ixabiso. Ubuchwephesha obuphezulu obubandakanya i-automation, i-AI, kunye nohlalutyo lwedatha lunokujongana namanqaku akhoyo entlungu malunga nokukhangela, ukusebenza kakuhle kwenkqubo, kunye nolawulo lweepotfoliyo.

Iingenelo ezinokuthi zibekho zininzi - amava aphuculweyo omthengi, imveliso yabasebenzi, ulawulo lomngcipheko, kunye nobuchule bobuchule. Inzuzo ephambili kukunyuka kwenani leentengiselwano, kwaye ngoko ke kwingeniso.

Ukudweba kumava am asebenza kwi-Sberbank ukusuka kwi-2018 ukuya kwi-2021, kuyacaca ukuba ukuphumeza utshintsho olunjalo kwishishini le-mezzanine kunokunyusa kakhulu kokubili umthamo weshishini kunye nenani leentengiso. Ekuqaleni, i-Sberbank yayilawula malunga ne-10 ye-mezzanine izivumelwano ngonyaka.

Nangona kunjalo, ngo-2022, emva kokwamkelwa kweendlela ezisebenzayo zokuzisebenzela, amandla ebhanki anyuke ukuya kwizivumelwano ze-100 ngonyaka.

Oku kukhula kumangalisayo kuqaqambisa impembelelo enkulu yokwenziwa kwezinto ezintsha zedijithali ekwandiseni isikali kunye nokusebenza kakuhle kwemisebenzi yokuboleka i-mezzanine.