Abaxhasi kunye neenkampani uxhamle ngaphezulu kwama-21 lamawaka Iikhredithi ze-ICO ezinikwe zona ngexesha lokuhlalutywa ngu I-CaixaBank, ngokwengxelo etyhilwe liqumrhu ngokwalo. Kweli tyala lilonke, isixa-mali esibalwe 944 million, eqinisekisa ukuzinikela ekuboneleleni ngenkxaso-mali kubantu abazisebenzelayo kunye namashishini amancinci; ikwabonisa ukuba i 88% yeemali-mboleko zinemali engaphantsi kwe 500.000 euro, kanye kuba amaqela azuza kakhulu ngamashishini azimele kunye namashishini amancinci.
Iziko linike ingqwalasela eyodwa kwi umgca we Iikhredithi ze-ICO koosomashishini, apho ulawulo lwe 26,4% yomthamo wemarike iyonke, ngelixa umyinge wemali kumsebenzi ngamnye usekiwe kwi 45.000 euroKwakhona kukhankanyiwe ukuba i Umxhasi wemali wenze utyalo-mali lwe 515 million kwimizila yekhredithi ye-ICO egxile kwinkxaso-mali ii-asethi ezintsha, kunye nokwenza ufikelelo kwi iimarike zamazwe ngamazwe.
Ngakolunye uhlangothi, 429 million kwezi khredithi zabelwe imigca ye utywala; ukongeza, ukuphunyezwa kwemigca emitsha ye Ikhredithi ye-ICO ezijolise ekuxhaseni ngemali iiprojekthi zotyalo-mali, kunye nokusombulula ezinye indleko kunye neemfuno zenkunzi yokusebenza unyaka wonke.
Enkosi kuwe ulungiselelo kunye nenethiwekhi yorhwebo, kunye nayo iiofisi ezingaphezu kwama-6.000, ukongeza kwinkxaso yayo yee-freelancers, i Umxhasi wemali inamandla okubonelela ngeenkonzo zayo zemali iinkampani ezingaphezu kwe-300.000 kulo lonke ilizwe.
Ziziphi iilayini ze-ICO kwaye zihanjiswa njani?
Las Imigca ye-ICO Zizixhobo zenkxaso-mali ethi iZiko leTyala elisemthethweni lenze ukuba lifumaneke abasebenzi abazisebenzelayo, ii-SME kunye neenkampani ngamaziko emali. I I-ICO ibonelela ngemali kwaye iseka eyona nto iphambili iimeko zemali (amaxabiso enzala, imimiselo kunye namaxesha obabalo), ngelixa i iziko lemali lowo uthatha i umngcipheko, uhlalutya i ukusebenza kunye nokulawula ukwenziwa ngokusesikweni kunye nokubeka iliso kumsebenzi.
Umthamo ogqithisiweyo kunye neprofayili yokusebenza
Ngexesha lereferensi, iCaixaBank itshayile Ukusebenza kwe21.054 ye ICO Lines isixa jikelele 944 million. I isiqingatha semali ngomsebenzi ngamnye kwaba 45.000 euro kunye 88% yemisebenzi ehambelana nezixa ezingaphantsi 500.000 euro, ebonisa ugxininiso kubaxhamli abancinci njenge abaziqeshileyo kunye neeSMEsOku kuzibophelela kumashishini amancinci kuvumele iqumrhu ukuba khula kwisabelo kuyo yonke imigca ye-ICO, idibanisa indawo yayo kolu hlobo lwenkxaso-mali.
Indawo ekusingwa kuyo iimali: utyalo-mali, urhwebo lwamazwe ngamazwe kunye nokuhlawula amatyala
Ngomthamo olawulwayo, 515 million Baphendukela kwimigca ye-ICO ejoliswe kuyo utyalo-mali kwimpahla entsha sele ukukhuthaza i ngamazwe ngamazwe yeenkampani (ezithunyelwa ngaphandle, ukuvulwa kweemarike kunye nemisebenzi yorhwebo lwangaphandle). Ngokuhambelanayo, enye 429 izigidi zabelwa imigca ye utywala ukuhlawula iimfuno zenkunzi yokusebenza, iintlawulo zababoneleli, kunye nonondyebo. Ngokuphindaphindiweyo, iCaixaBank yenza ukuba kufumaneke kuluntu lwezoshishino imigca emitsha ye-ICO ezivumela ukuxhaswa ngemali iiprojekthi zotyalo-mali y iimfuno zamanzi, ukulungelelanisa imihla ebekiweyo kunye nokusilela kwimeko nganye.
Uthungelwano, ubunkokeli kunye nenkxaso ekhethekileyo kwiinkampani
ICaixaBank igqame njenge iqumrhu elikhokelayo labasebenzi abazisebenzelayo, kunye kunye izinga lokungena kwe-25,6%Uthungelwano lwayo lwezorhweboāolona luphangaleleyo elizweniā luyadibana iiofisi ezingaphezu kwama-6.000 kunye neqela le abaphathi abakhethekileyo kubasebenzi abazisebenzelayo, oosomashishini kunye nee-SME, ukongeza kuthungelwano lwe amaziko oshishino kunye neengcali ezibonelela ngezisombululo zemali ezilungiselelweyo. Esi sicwangciso senkonzo esikhethekileyo siqinisa ukuma kwayo kwiimveliso ezincedisayo ezifana ukufaka izinto, eqinisekisa y yorhwebo ngaphandle, kwaye ikuvumela ukuba usebenze iinkampani ezingaphezu kwama-300.000.
- Ufikelelo olulula ukuya kwi-ICO Lines enkosi kubaphathi beengcali abancedisa ukuhlalutya kunye nokusebenza.
- Inkxaso-mali eyohlukeneyo: utyalo-mali kwii-asethi, ukwenziwa kwamazwe ngamazwe kunye nokuhlawula amatyala anemiqathango namaxesha aguquguqukayo.
- I-Capillarity kunye nokusondela ngothungelwano olubanzi lweeofisi kunye namaziko oshishino kwilizwe lonke.
- Iinkonzo ezongezelelweyo okwandisa ukuhamba kwemali kunye norhwebo lwangaphandle ukuphucula ukhuphiswano.
Idatha yomthamo, ukuhanjiswa ngamanani kunye nobunkokeli kwi-ICO Line kubarhwebi (ulawulo lwe 26,4% yemarike) ibonisa indima yeCaixaBank njengomjelo ophambili wenkxaso-mali karhulumente neyabucala. abasebenzi abazisebenzelayo, ii-SME kunye neenkampani, kunye nezibonelelo ezijoliswe kutyalo-mali, ukwandiswa kwamazwe ngamazwe, kunye nokuhlawula amatyala phantsi kwemodeli yenkonzo ekhethekileyo kunye nothungelwano oluphezulu lwe-capillary.
Iinkcukacha ezithe xaxe - 100 million kubasebenzi abazisebenzelayo kunye neeSME eCantabria
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