Iyiphi iNkampani yoPhuhliso lweZoshishino

Ngaba kufuneka Utyalole kwiNkampani yoPhuhliso lweZoshishino (BDC)?

Inkampani yophuhliso lwezoshishino (BDC) luhlobo lwenkampani yokutyalomali yokuvalwa-mali ejoliswe ukutyalomali kwiinkampani ezincinci nakwizinga eliphakathi. Abatyalomali abathengayo kwii-BDCs bafuna ukuveliswa kwezivuno eziphezulu ukusuka kwiintlawulo okanye enye imoto yotyalo-mali kunye nemali yokubambisana kunye ne-ETFs).

Iinkampani zophuhliso lwezoshishino zingaba izithuthi zokutshala izithuthi; nangona kunjalo, i-BDC ayilona wonke umntu.

Njengoko kunjalo nawuphi na uhlobo lotyalo-mali, abatyali-mali baqwalasela ukutshala imali kwi-BDC kufuneka baqonde indlela abasebenza ngayo kwaye ukuba iimpawu zabo ezizodwa zihambelana neenjongo zabo zotyalo-mali kunye nokunyamezela ingozi.

I-Business Developers Companies

Yadalwa yiNgqungquthela ngo-1980 njengesihlomelo kwiNkqubo ye-Investment ye-1940, i-BDCs kwisithuba sezimali ezivaliweyo zokutshala imali. Ngendlela elula, i-BDCs iinkampani zentengiso ezivaliweyo ezisetyenziselwa ukuthenga iimali mboleko okanye ukuthenga ubunikazi (iigxina zokulingana) kwiinkampani ezincinci nakwizinga eliphakathi kwe-US ezininzi ezizimeleyo.

Ngeenjongo zerhafu, ezininzi ze-BDC ziphathwa njengenkampani yokutyalo-mali (RIC). Inzuzo yerhafu ye-BDC kukuba ayikho into ehlawulwayo. Ukutshintshela unyango lwerhafu oluhle, iBDC kufuneka isasaze i-90 ekhulwini yengeniso yabo kubanini-nxaxheba ngonyaka. Kule nkalo, i-BDC iyafana neTrasti Investment Trust (REITs) .

Ngenxa yoko, ngenxa yegalelo labo eliphezulu kunye nomrhumo wokuhlawula umrhumo, ii-BDC zisoloko zisetyenziswe ngabatyalomali njengezithuthi zengeniso.

Indlela yokuTyala imali kwi-BDC

Inkampani yophuhliso lwezoshishino (BDC) isebenza ngokufana nemali kunye kunye neengxowa -mali ezixhaswe ngemali ( ETFs ). Xa abatyali-mali becinga okanye batyala imali kwimali-mboleko, njengengxelo ye-brokerage, i-akhawunti yomhlala phantsi ngamnye (iRA), okanye i-401 (k), basebenzisa iimali ezivulekileyo.

Ngokuxhaswa ngemali, abatyalo-mali bangakwazi ukuthenga izabelo kwixabiso lexabiso lexabiso lemali kunye neengxowa-mali azikhawulelwanga kwinani elithile lezabelo. Nangona kunjalo, iimali zokuvala ezivaliweyo zikhupha inani leesabelo ngokubaluleka komntu wokuqala.

Ukuba ufuna ukutyalo-nkampani kwinkampani yophuhliso lwezoshishino (BDC), yenze okufanayo kunye namasheya athengiswa esidlangalaleni, iimali kunye kunye ne-ETFs. I-BDC nganye inesimboli seelayi kwaye abatyali-mali bangathenga izabelo kwi-akhawunti yabo ye-brokerage okanye i-IRA.

I-BDC ezili-10 eziphezulu kwiMakethe

Nangona iCongress yakha iqela lokuphuhlisa ishishini (BDC) ngo-1980, ininzi ye-BDC kwiimarike namhlanje sele ijikeleze ukususela ngo-2000. Oku kuthetha ukuba akukho mali enkulu yolwazi kunye nembali ukuhlalutya ukwenza izigqibo zokutyalomali. Ngoko ke, abatyali-mali bacinga ukutyalomali kwi-BDCs bulumko ukuba bacinge ngezona zikhulu kakhulu ngeirekodi zomzila.

Nazi ii-BDC ezi-10 ezinkulu, njengoko zilinganiswe ngamaxabiso phantsi kolawulo, ngokwe-BDCinvestor:

1. I-Ares Capital Corp (i-ARCC): i-$ 7.10 yezigidigidi kwiimpahla
2. Iprospect Capital Corporation (i-PSEC): i-$ 3.35 billion kwiimpahla
3. I-FS Investment Corp (i-FSIC): i-$ 2.29 yezigidi zeefa
4. I-Appolo Investment Corp (i-AINV): i-$ 1.43 yezigidi kwiimpahla
5. I-Street Street Capital Corp (INGXELO): i-$ 1.38 yezigidi kwiimpahla

1. INtaba yeMali yeNtaba yeNtsha (iNMFC): i-$ 1.04 yezigidigidi kwiimpahla
2. I-TPG ekhethekileyo yeMali, Inc (TSLX): i-1.03 yezigidigidi zeempahla kwiimpahla
3. I-Fifth Street Finance Corp (i-FSC): i-$ 1.01 zeebhiliyoni kwiimpahla
4. I-Golub Capital BDC, Inc (GBDC): i-$ 958 yezigidi kwiimpahla
5. I-Solar Capital Liminted (SLRC): i-$ 922 yezigidi kwiimpahla

I-BDC enkulu kunazo zonke azikho phantsi kwii-BDC ezilungileyo zokuthenga. Nangona kunjalo ii-asethi eziphezulu phantsi kolawulo, kunye neirekodi zomzila, ngokubhetele zibhetele xa utyalo-mali kwi-BDCs. Ukuqalisa uphando lwakho ekuthengeni i-BDCs, unokufumana ulwazi lokuqala, njengexabiso, impatho, kunye nokuvelisa, kwinkampani yophando lokungcebeleki njenge-Morningstar, Inc.

Inqaku eliphantsi loTyalo-mali kwii-BDCs

Nangona ama-BDC angabonakala ekhangayo, ngokukodwa abo banezivuno eziphezulu ngaphezu kweepesenti ezili-10, isivuno esiphezulu sinokuzisa ingozi enkulu. Ekubeni ama-BDC amaninzi atyale kwiinkampani ezincinci, ezizimeleyo, umngcipheko wokunciphisa okunzima kwixabiso lemarike zikhona.

Ngokomzekelo, ngo-2008 ubunzima beentengo zemali, ii-BDC zalahleka kakhulu kuninzi ezininzi.

Njengalo naluphi na uhlobo lotyalo-mali, ngokukodwa ngezinye izithuthi zotyalo-mali, abatyali-mali kufuneka benze umsebenzi wabo wesikolo ngaphambi kokutyalomali kwi-BDCs. Emva kokufumana ukuqonda kakuhle kotyalo-mali kunye nendlela esebenza ngayo, umtyalomali uya kufuneka ukuba aqinisekise ukuba i-BDC ifanelekileyo neenjongo zabo zokutshala kunye nokunyamezela.

Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.