Tsuntsaye na farko na raguwar bashi suna cin karo da kamfanoni a ƙananan ƙarshen sarkar abinci na kamfanoni.Naman sa kafin matsi ya tsananta.

Kwanaki na sauki, arha kudi sun ƙare.Cikakkar guguwa na hauhawar farashin riba, yaɗuwar kiredit mai faɗi a cikin ruɗani na tattalin arziƙi da tsauraran ƙididdiga na babban bankin yana dagula kamfanoni masu ƙima.

'Yan shekarun da suka gabata sun kasance abin ban mamaki, a cewar Tony Carfang, Manajan Darakta a Kamfanin Carfang Group, wani kamfani mai ba da shawara kan baitulmali: "Sharuɗɗan samar da kuɗi na shekaru biyu da suka gabata sun yi daidai da dogon lokaci na bashin da ake samu. kasuwa.”

Kamfanonin da suka sake samun kuɗi lokacin da cutar ta Covid-19 ta buge suna zaune kyakkyawa - a yanzu.Dangane da kamfanonin da ke buƙatar sake sake fasalin tsarin bashi ko kuma nemo sabbin yarjejeniyoyin ba da kuɗaɗe, zaɓin su yana ƙara ƙaranci.

"Kamfanoni na [ƙananan] na iya shiga cikin wani yanki mai wahala idan aka yi la'akari da hauhawar riba a cikin yankin Yuro," in ji François Masquelier, shugabar ƙungiyar masu ba da kuɗi ta Turai na tushen Luxembourg."Haɓawar ƙimar riba na iya zama sanadin samun ƙarancin samun kuɗi cikin sauƙi."

Matsakaicin kuɗin yana da mahimmanci musamman ga kamfanoni waɗanda suka yi siyayya ko dai a farkon shekarar ko bara tare da taimakon rancen gada, waɗanda ke ƙarewa.Bayar da haɗin kai zai zama mataki na gaba a bayyane, amma hakan na iya zama da wahala.Yawan kamfanonin da ke ba da lamuni a bana ya ragu sosai.A duk duniya, kamfanoni 210 sun ba da dala biliyan 111 na tsabar kuɗi a cikin watanni takwas na farkon shekara.Wannan babban koma baya ne daga shekara guda da ta gabata lokacin da kamfanoni 816 suka ba da dala biliyan 500, a cewar mai ba da bayanai Dealogic.

Faduwar ta yadu a duk faɗin Amurka, Turai da Asiya-Pacific a wani ɓangare saboda kamfanoni sun yi lodin bashi a cikin 2021 yayin da yake da arha.Saboda haka, ba su da bukatar sake sakewa a cikin 2022. Duk da haka, yana samun tsada kuma saboda haka ba shi da kyau don ba da sabon bashi.

Eric Rosenthal, babban darektan kula da harkokin kudi a Fitch Ratings ya ce "Wasu daga cikin koma bayan da aka samu na dabi'a ne - saurin 2021 ba shi da dorewa.""Amma gaskiyar ita ce, muna duban fitowar da za ta yi ƙasa da inda muka kasance a cikin 2008, wanda ke da ban mamaki."

Kasuwancin haɗin gwiwar kamfanoni, alal misali, "matattu."Wannan a cewar wani shugaban bankin zuba jari a wani bankin Faransa da ke Landan.Tashar jiragen ruwa na farko na kamfani shine bankin su don tsawaita lamunin gadar su ko kafa wurin lamuni na wucin gadi har sai sun sami damar ba da lamuni, in ji shi.

Sayarwa don Kumbura Coffers na Kamfanin

Wani zaɓi na kamfanoni masu ƙarancin matsin lamba waɗanda ke buƙatar babban kuɗi shine gudanar da bita na dabaru da la'akari da siyar da kadarori.Matsakaicin ƙimar masu ƙima na takarce an saita don haɓaka.Bayan jinya mai nauyi asara a wannan shekara, bankunan suna kwantar da hankali kan kamfanoni masu haɗari akan littattafansu.

Bankunan Amurka da na Turai za su yi hasarar sama da dala biliyan 5 kan lamunin sayan lamuni.Manyan masu ba da lamuni na Amurka Bank of America da Citigroup sun rubuta Yuro biliyan 1 akan lamunin da aka ba su a cikin kwata na biyu kadai, in ji Reuters.

Wells Fargo ya rubuta dala miliyan 107 kan alƙawuran kuɗi da ba a ba da kuɗi ba lokacin da faɗaɗa kasuwa ya ƙone bankin.Babban banki na uku mafi girma ta kadarori a Amurka ya haura dala miliyan 576 "rauni na daidaiton daidaito" bayan faduwar kasuwa a kwata na biyu ya cutar da kasuwancin sa na jari.Fitch ya annabta ƙimar tsoho don babban haɗin kan samar da albarkatu zai ninka zuwa 1% a wannan shekara a Amurka da 1.5% a Turai kuma ya ƙaru zuwa tsakanin 1.25% -1.75% da 2.5% a 2023, bi da bi.

Masu sayayya suna ƙara ɗaure bel yayin da lokuta masu wahala suka shiga, suna matsa lamba kan kamfanonin da suka yi lodin bashi a cikin lokuta masu kyau amma har yanzu basu sami riba ba.A cikin 2021, Just Eat yana hawa sama bayan siyan abokin hamayyar Amurka Grubhub akan Yuro biliyan 7.3 don haɓaka kason sa na kasuwar isar da abinci.Shekara guda bayan haka, a cikin jujjuyawar arziki, giant ɗin ɗaukar kaya yana faɗuwar tsabar kuɗi.

A watan Agusta, kusan shekara guda bayan sanya hannu kan yarjejeniyar siyan Grubhub, Just Eat ya rubuta Yuro biliyan 3 daga sayan sa.Daga nan ta sayar da hannun jarin ta na iFood mai fa'ida na isar da saƙo na Brazil kan Yuro biliyan 1.8 don ƙarfafa takardar kuɗin ta da kuma biyan bashi.

"Za mu ga yawancin irin waɗannan gyare-gyare ko kuma gyare-gyaren da ke ba wa kamfani damar haɓaka daidaito ko inganta tsarin ma'auni," in ji Carfang.“Idan kuna siyan lokaci, waɗannan abubuwan na iya yin aiki.Amma akwai iyaka ga abin da waɗannan abubuwan za su iya yi.Kayi juyi har sai kayi tsirara sannan me zakayi?

Sharuɗɗan kuɗi za su ƙara yin ƙarfi ne kawai, ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun ƙwararrun kuma za su warware shekaru masu yawa.Bankin Ingila na shirin sayar da kusan fam miliyan 200 na lamuni na kamfanoni a mako guda, wanda zai kai fam biliyan 10 a cikin kwata, a matsayin wani bangare na shirye-shiryensa na warware matsalar.An riga an fara tsaurara matakan ƙima a cikin Amurka, tare da Babban Bankin Tarayya na aiki don rage ma'auni na dala tiriliyan 9 a cikin shekaru huɗu masu zuwa.

Tabarbarewar hauhawar farashin kayayyaki, rashin aikin yi da tattalin arzikinta—har ila yau babbar barazana ce ga masu cin bashi, musamman na Turai, Gabas ta Tsakiya da Afirka.Wannan ya zo ƙasa don rage haɓakar tattalin arziƙin Turai, wanda ya tsananta da tashin hankali irin na Brexit, da ƙananan kamfanoni a cikin sassan da ke da kyau kamar kayayyaki.

"Haɗari na haɓakawa a sassan da ke fuskantar hauhawar farashin kayayyaki da ja da baya a cikin buƙatun masu amfani," in ji babban darektan Fitch Ratings Lyuba Petrova."Masu ba da kuɗaɗen kuɗi na Turai ba su da ƙarancin kwanciyar hankali dangane da takwarorinsu na Amurka."

Zama Mai Layi Mai Wayo

Ma'ajin kamfani da daraktocin kuɗi suna buƙatar zama masu hankali don buga kasuwannin babban birnin don samun kuɗi a lokutan da ba su da ƙarfi.Sarah Boyce, mataimakiyar darekta a cikin manufofin da ƙungiyar fasaha a Ƙungiyar Ma'ajin Kasuwanci ta Burtaniya ta ce "Ba mu ga wata alama da ke nuna cewa kasuwanni za su huta."Wannan yana jin yana iya zama sabon al'ada na ɗan lokaci."

Amma, ta kara da cewa, dole ne kamfanoni su kasance cikin shiri sosai don nutsewa a lokacin da yanayi ya yi kyau."Kasuwanci za su buɗe na ɗan gajeren lokaci, don haka kuna buƙatar yin shiri don danna maɓallin," in ji ta.“Ba kwa son fara tsarin lokacin da kasuwa ta bude.Kuna so ku kasance cikin shiri don tafiya.Abu na karshe da kuke bukata shi ne ku gane kuna bukatar amincewar hukumar kuma za a dauki makonni shida, domin a lokacin da kasuwar za ta iya budewa ta rufe.

Ƙungiyoyin gwagwarmaya da ke neman ba da bashi ko daidaito na iya neman 'yan wasa masu zaman kansu don taimako wajen tsallake layin ƙarshe.A farkon wannan shekara, Carvana mai siyar da mota ta biyu ya juya zuwa Apollo Global Management don tara kusan dala biliyan 1.6 zuwa dala biliyan 3.3 da ta tsaya cak don samun kuɗi.Ya zo kan farashi: yawan amfanin ƙasa na 10.25%.

A halin yanzu, kamfanoni za su iya yin aiki kan inganta hanyoyin sarrafa kuɗi, kamar inganta sharuɗɗan daftari da tara kuɗaɗen da suka kama tarko a zaune ba tare da izini ba a cikin rassan ƙasa da ƙasa.Yanzu ne lokacin da kamfanoni za su matse alakar da suke da su don samun riba mai yawa."Mayar da hankali kan dangantakar da ke tsakanin ku na samar da kuɗi," in ji Carfang.“Jeka bankin da ka fi ba da kasuwanci a baya.Jeka banki wanda ya san ku.Jeka bankunan da suka fahimci masana'antar ku don haka maiyuwa ba za su kasance masu tsauri ba akan yaɗuwar kuɗin da suke caji. "

"Jeka bankunan da za su iya godiya ga kasuwancin da ke gaba, kamar kasuwancin kula da tsabar kudi da za ku iya ba su don taimakawa wajen rama haɗarin, sabanin fara sabuwar dangantaka gaba ɗaya - saboda waɗannan za su yi tsada."