Uhlalutyo lweNgxelo yeTyala yeDatanamix | Idatha yeTyala ehleliweyo
Qonda indlela yokuhlalutya iingxelo zekhredithi yeDatanamix eMzantsi Afrika kwaye woyise imida yePDF ngedatha yekhredithi ecwangcisiweyo.
Iingxelo zekhredithi yeDatanamix zisetyenziswa ngokubanzi kuMzantsi Afrika wonke, ngakumbi ngabacebisi ngamatyala kunye nabarhwebi. Banikezela ngolwazi oluneenkcukacha lwetyala lomthengi oluxhasa uvavanyo lokufikeleleka, izigqibo zophononongo lwetyala, kunye nemvelaphi yemboleko. Nangona kunjalo, njengeziphumo ezininzi ze-bureau, iingxelo zeDanamix zihanjiswa ngokuqhelekileyo njengamaxwebhu angatshintshiyo-ii-PDF okanye iifomathi eziprintayo-ezinciphisa ixabiso labo lokusebenza. Idatha ngokwayo ityebile kwaye, ngeendlela ezininzi, yodwa phakathi kwamaziko aseMzantsi Afrika; umceli mngeni ulele ekuguquleni loo datha ibe yinto ephindaphindwayo, enokuthelekiseka, nenokuphicotheka kuhambo lwemihla ngemihla.
Esi sikhokelo sichaza ukuba yintoni iingxelo zeDatanamix ezibonelela ngokwenene, kutheni uhlalutyo lwezandla ludala i-bottlenecks kunye nomngcipheko, kwaye uhlalutyo olucwangcisiweyo luguqula njani idatha efanayo kwinkqubo yokuxhasa izigqibo. Ingaba utsala idatha ye-Datanamix yokucebisa ngetyala, ukurhweba, okanye ukuboleka, ukuqonda zombini umxholo kunye nemiqobo yefomathi kuya kukunceda ufumane okungakumbi kwiimvavanyo zakho zekhredithi.
Ziziphi iiNgxelo zeDatanamix zibonelela
I-Datanamix ngumniki wedatha yomthengi okhokelayo eMzantsi Afrika. Iingxelo zayo zakhiwe kumacandelo angundoqo e-ofisi-uvelwano, ukuziphatha, kunye neziganeko ezimbi-kodwa zikwagxininisa ukufikeleleka kunye nedatha engenye ngeendlela ezahlula kwamanye amaziko. Ukwazi okungaphakathi kwingxelo linyathelo lokuqala lokuyihlalutya ngokufanelekileyo.
Ukubonakaliswa kwetyala kunye nokuziphatha kwentlawulo
Ingxelo ye-Datanamix ngokuqhelekileyo ivula i-credit exposure overview: ityala lilonke kwii-akhawunti, iintlobo zekhredithi (i-revolving, instalment, mortgage), kunye neebhalansi zangoku.Oku kunika umfanekiso wemali etyala umboleki kwaye kubaphi abaniki-nkonzo zeentengo zemboleko. Kubacebisi ngamatyala, oku kuqhuba uhlengahlengiso lwetyala kunye nezindululo zokuhlawula; kubarhwebi kunye nababolekisi, yazisa amandla kunye nomngcipheko. Indlela yokuhlawula kunye neeprofayili zentlawulo zihlala ecaleni koku: indlela umthengi asebenze ngayo kwi-akhawunti nganye ekuhambeni kwexesha, kubandakanywa nembali yamatyala, imihla yokusilela, kunye nesimo sangoku. La macandelo ngumqolo walo naluphi na uvavanyo lwekhredithi-baphendula “imalini?” kwaye “bahlawule kangakanani?” Ukuzifunda ngokuchanekileyo nangokungaguquguqukiyo kuzo zonke iingxelo kulapho ifomathi iba sisinyanzelo: ulwazi olufanayo ngendlela ecwangcisiweyo luya kuxhasa uthelekiso olukhawulezileyo kunye nokuhlaba umkhosi okusekelwe kumthetho.
Uluhlu olubi kunye nezalathi zomngcipheko
Uluhlu olubi lubalulekile xa kusenziwa izigqibo. Iingxelo zeDatanamix ziquka izigwebo, ukungagqibeki, imiyalelo yokulawula, kunye nezinye iimpawu ezisemthethweni okanye ezimbi. Ixesha, isixa, kunye nobume bemiba edwelisiweyo nganye kuzo zombini ukuthotyelwa kwemithetho (umzekelo uphononongo lwetyala) kunye nomdla wokutya umngcipheko (umzekelo, ukuboleka). Isigwebo seminyaka emibini edlulileyo sinokuphathwa ngokwahlukileyo kweso sakutshanje; imiyalelo yolawulo kunye nokuthinjwa kuneempembelelo ezithile kuhlengahlengiso. Iimpawu zomngcipheko kunye nezinto zamanqaku nazo zingavela, zinika umbono ocwangcisiweyo weprofayili yomngcipheko womthengi. Ukutolika oku ngokuqhubekayo kwiimeko zonke kufuna ukuqonda iikhowudi zeDatanamix kunye neenkcazo, ezinokulahleka xa amaqela athembele kwi-ad hoc yokufunda PDF. Ngaphandle kwe-schema eqhelekileyo, umhlalutyi omnye unokuthatha ukusilela okuhlawulweyo njengokuvaliweyo ngelixa omnye esayibonisa-ekhokelayokwiziphumo ezingangqinelaniyo kunye neendlela ezibuthathaka zophicotho.
Landela idatha kunye nokufikeleleka
Ukulandelela idatha-uqhagamshelwano kunye nolwazi lwedilesi-ixhasa ukuqinisekiswa kunye nokulandelwa. Kwabaninzi babasebenzi, nangona kunjalo, umahluko ugxininise kwi-Datanamix ekufikeleleni. Iimpawu zokufikeleleka kunye nexesha langempela okanye kufuphi neempawu zokufikeleleka kwexesha langempela ziyinxalenye ephambili yomnikelo weDatanamix. Oku kuhambelana ngokusondeleyo neemfuno zoMthetho weSizwe weTyala kunye neemfuno zabacebisi ngamatyala kunye nababolekisi ekufuneka bavavanye ukuba ingaba umboleki unako na ukuhlawula enye ikhredithi okanye uhlengahlengiso olucetywayo. Imithombo yedatha eyiminye isenokungena kwingxelo, ityebise umfanekiso ngaphaya kwemigca yorhwebo yamaziko emveli.
Yintoni eyenza iDatanamix yahluke
I-Datanamix igqame ngokugxininisa ekufikeleleni ngexesha lokwenyani, idatha engenye, kunye nombono wetyala lomthengi olungiselelwe iimeko zokusetyenziswa eMzantsi Afrika. Apho ezinye iiofisi zinokujolisa ikakhulu kwimigca yorhwebo kunye nembali yokuhlawula, iDatanamix idibanisa izikhombisi zokufikeleleka ezinceda ukuphendula umbuzo othi “ngaba lo mthengi anganakho ukuhlawula amatyala amaninzi?” -ifanelekile ngokuthe ngqo kubacebisi bamatyala okwakha iziphakamiso zohlengahlengiso kunye nababolekisi abasebenzisa uvavanyo lokufikeleleka koMthetho weSizwe weTyala. Imithombo yedatha engenye yandisa umfanekiso ngaphaya kwedatha ye-akhawunti yemveli, enokuphucula ukuchaneka kubathengi abaneefayile ezincinci okanye iimbali zekhredithi ezingezizo eziqhelekileyo. Umceli mngeni weefemu ayingomgangatho okanye ubunzulu bedatha-yifomathi. Xa loo datha itshixiwe kuxwebhu olungatshintshiyo, amandla afanayo (iimpawu ezityebileyo zokufikeleleka, isimilo esineenkcukacha, uludwe olubi)kunzima ukukusebenzisa kwisikali: kunzima ukuthelekisa kubo bonke abathengi, kunzima ukulandelela ixesha elide, kwaye kunzima ukondla kumanqaku angaphakathi okanye ukuhamba komsebenzi wokuthotyelwa.
Imida yokuSebenza yoHlahlo lweManuwali
Ukuxhomekeka ekufundeni ngesandla kunye nokutolika kweDanamix PDFs kudala imida yokusebenza eqikelelweyo. Ezi zichaphazela isantya, ukuhambelana, kunye nomngcipheko-ingakumbi njengoko i-caseloads okanye imiqulu yesicelo ikhula.
Ukungangqinelani nokuthelekiseka
Amalungu eqela ahlukeneyo anokutolika ingxelo efanayo ngokwahlukileyo. Omnye umhlalutyi unokulinganisa kakhulu indlela yokuziphatha yentlawulo yamva nje; omnye unokujolisa ekutyhilekeni ngokupheleleyo okanye ubukho bezigwebo. Ngaphandle kwesakhiwo esiqhelekileyo, akukho siqinisekiso sokuba abaxhasi ababini abaneeprofayili ezifanayo bavavanywa ngendlela efanayo. Ukungahambelani kujongela phantsi ubulungisa, kwenza kube nzima ukukhusela izigqibo kuphicotho-zincwadi, kwaye kunciphisa ixabiso ledatha njengegalelo elithelekisekayo kuyo yonke incwadi.
Ukuphathwa kwetyala kancinci kunye nomngcipheko wempazamo ephezulu
Uhlalutyo lwezandla luyacotha. Ingxelo nganye ifuna ukuvulwa koxwebhu, amacandelo okuskena, kunye nokuvezwa kwengqondo, ukuziphatha, uluhlu olubi, kunye nokufikeleleka. Xa amatyala amaninzi okanye amakhulu etyhutyha i-firm, elo xesha liyongeza. Amaxesha okutshintsha ayanda, kwaye ukusilela kuyakhula. Kwangaxeshanye, impazamo yomntu iyanda: ii-akhawunti eziphosiweyo, imihla engafundwanga kakuhle, okanye ukudityaniswa okungalunganga kweebhalansi. Okukhona umthamo uphezulu, kokukhona umngcipheko wokusebenza usuka kukuphathwa ngesandla.
Ukulandelela utshintsho kunye nokuthotyelwa kwinqanaba
Akukho ndlela ilula yokulandelela ukuba indawo yomthengi itshintshe njani ixesha xa yonke into ihlala ngokwahlukileyoIiPDF. Ukuthelekisa “ingxelo esuka kwiinyanga ezintandathu ezidlulileyo” ukuya “kwingxelo namhlanje” kuthetha ukuvula iifayile ezimbini kunye nokuthelekisa ngeso-impazamo-iphutha kwaye akunakwenzeka ukucwangcisa. Ukufumana iingcebiso malunga namatyala kunye novavanyo oluphindaphindiweyo, loo mbali ibalulekile: ukuqonda ukuba i-exposure yehlile okanye yehla, zeziphi ii-akhawunti ezihlawulwe okanye zahlawulwa, kunye nokuba ukufikeleleka kutshintshile. Ngaphandle kothelekiso olucwangcisiweyo, loo ngxelo ikho kwinkumbulo kuphela okanye kumanqaku e-ad hoc. Ngokufanayo, amaxwebhu okuthotyelwa kuba buhlungu kwinqanaba xa ikhonkco phakathi kwedatha yomthombo kunye nesigqibo singacacanga. Abaphicothi-zincwadi kunye ne-NCR balindele umkhondo ocacileyo: yeyiphi ingxelo esetyenzisiweyo, ngawaphi amanani ekuthe kwaxhomekeke kuwo, kunye nendlela ekufikelelwe ngayo kwisiphumo. Oko kunzima ukuyakha xa irekhodi eliphambili liyingqokelela yamaxwebhu amileyo kunye namanqaku abhalwe ngesandla okanye achwetheziweyo. Okukhona izibambo zefemu, kokukhona oku kusikelwa umda.
Ukusuka kuXwebhu ukuya kwiNkxaso yesiGqibo
Uhlalutyo olucwangcisiweyo lutshintsha indima yedatha yeDatanamix ukusuka kuxwebhu oluza kufundwa kwigalelo lokuxhasa isigqibo. Kusetyenziswa umxholo ofanayo wengxelo, kodwa kwifom exhasa isantya, ukuhambelana, kunye nokuphicothwa.
Utoliko olukhawulezayo kunye nokusetyenziswa okungaguqukiyo
Xa iindawo eziphambili-ukuvezwa, ukuziphatha kwentlawulo, uluhlu olubi, izikhombisi zokufikeleleka-zicatshulwa kwaye zigcinwe ngendlela ehleliweyo, ukutolika kukhawuleza. Iingcali zibona umbono oqhelekileyo endaweni yokuba ziphinde zifunde iiPDF ngalo lonke ixesha. Iiparamitha zamanqaku angaphakathi kunye nemithetho yomngcipheko inokusetyenziswa ngokuqhubekayo: ingqiqo efanayo iqhuba ngokuchasene nedatha efanayo kwimeko nganye. Oko kuphucula zombini i-output kunyeubulungisa.
Case-to-case ukuhambelana kunye noxwebhu olungcono
Idatha eyakhiwe yenza ukuba i-case-to-case ihambelane. Wonke umntu usebenza kwiinkcazo ezifanayo kunye neseti efanayo yezalathi ezifunyenweyo. Izigqibo zinokunxulunyaniswa nedatha esisiseko kunye nesitampu sexesha, ukudala umkhondo wophicotho ocacileyo. Amaxwebhu othotyelo nophicotho-zincwadi angqale kuba umkhondo osuka “kokuqulathwe yingxelo” uye “koo sigqibe kuwo” ucacile kwaye uyaphinda.
Ukusuka kufundo olukhawulezileyo ukuya ekuthatheni izigqibo okukhawulezileyo
Utshintsho lusuka kuxwebhu olusebenzayo ukuya ekwenziweni kwezigqibo kwangaphambili. Idatha yekhredithi iba ligalelo eliphilayo ekuhambeni komsebenzi: i-triage, ukubeka phambili, ukukhangela ukufikeleleka, kunye neengcebiso zohlengahlengiso zinokutsala kwimbono efanayo yeDatanamix. Ingxelo ayisekho i-artefact yokufayilisha-yisiseko sendlela i-firm ihlola ngayo ingozi, ixhasa abathengi, kwaye ihlangabezana nokulindela okulawulwayo. Olo tshintsho lubaluleke kakhulu kubasebenzisi be-Datanamix, kuba ukuthengwa kwe-bureau kunye namandla ahlukeneyo edatha anokuthi ekugqibeleni asetyenziswe ngokucwangcisiweyo: imithetho inokujolisa kwimida ethile yokufikeleleka okanye iiflegi ezimbi, kwaye yonke i-caseload inokuvavanywa ngokuchasene neenqobo ezifanayo endaweni yokuxhomekeka ekubeni ngubani owenzekileyo ukufunda i-PDF.
Yenzelwe ukuQhotywa kokuSebenza kwetyala
Uhlalutyo olucwangcisiweyo lweDanamix lubaluleke kakhulu apho idatha yekhredithi igalelo lemihla ngemihla kunokuba ireferensi ngamaxesha athile.
Uphononongo lwetyala kunye nohlolo oluqhubekayo
Iindlela zokuphononongwa kwetyala zixhomekeke kuvavanyo oluphindaphindiweyo lwekhredithi: ukungena kokuqala, ukuhlolwa kwenkqubela phambili, kunye nokukhutshwa. UkubaIdatha ye-Datanamix kwifom ehleliweyo yenza kube lula ukuthelekisa isikhundla somxhasi ngexesha, uxwebhu lokuba kutheni iingcebiso zenziwe, kwaye zibonise ukuthotyelwa kweemfuno ze-NCR. Ukubeka iliso kwabathengi okuqhubekayo kuyalawuleka endaweni yokungcwatywa ephepheni nakwiiPDF.
Abameli betyala kunye novavanyo oluphindayo
Abameli betyala abasebenzisa izicelo ezininzi bayazuza ngokukwazi ukuthelekisa abafaki-zicelo kwinqanaba lokudlala. Idatha eyakhiweyo ixhasa ukufaneleka kwangaphambili, ukubeka phambili, kunye nokusetyenziswa okungaguqukiyo kombolekisi okanye imilinganiselo yangaphakathi. Iifemu ezenza uvavanyo oluphindaphindiweyo lwekhredithi-nokuba kumthengi omnye ngexesha okanye kubathengi abaninzi-bazuza ngokuba nenye, indlela ehambelanayo yokufunda nokusebenzisa i-Datanamix output.
Amaqela afuna ukulandelela ukuvela kwetyala
Nawuphi na umsebenzi apho idatha yekhredithi igalelo lemihla ngemihla-ingcebiso yetyala, ukurhweba, ukuboleka, okanye ukuqokelelwa kwangaphakathi kunye namaqela ohlengahlengiso-ijongene neyona mfuno iphambili: ukuguqula iziphumo ze-bureau zibe yisiseko esithembekileyo, esithelekisekayo, nesinokuphicothwa kwezigqibo. Uhlalutyo olucwangcisiweyo lweDatanamix lwenzelwe kanye loo nto iqhubekayo yekhredithi. Ukuba i-firm yakho isele idonsa iingxelo ze-Datanamix rhoqo kwaye ifumanisa ukuba uhlalutyo lwe-manual lunciphisa okanye ludala ukungahambi kakuhle, ukufuduka kwidatha ehleliweyo ayikho utshintsho lomthombo wedatha-lutshintsho lwefomathi kunye nenkqubo ekuvumela ukuba usebenzise idatha efanayo ye-bureau ethembekileyo ngokufanelekileyo.
Yakha uHlahlelo lweNgxelo yakho yeTyala
Yakha uhlalutyo lwengxelo yetyala lakho ukuze idatha yeDatanamix ikusebenzele kwinqanaba. Dibana no ukubhukisha idemo kwaye ubone ukuba njaniIdatha ehleliweyo yeDatanamix iguqula ukuhamba kwakho komsebenzi-ukusuka ekutsaleni kokuqala ukuya kumanqaku ahambelanayo, ulawulo lwamatyala, kunye namaxwebhu okuthotyelwa kwindawo enye yokusebenza.