بازده هی وامهای قرض الحسنه برای موسسه ها به چه صورت هست؟!!

[forbes]

سلام
من خیلی کنجکاو این هستم که بدونم واقعا این موسسه ها با این وامهای قرض الحسنه ای پرداخت میکنند براشون سودزا هست یا زیانده
مثلا همین بانک قرض الحسنه مهر ایران با سپرده گذاری 4 ماهه, وامی با بازپرداخت 16 ماهه و بدون سود فقط با کارمزد 4% پرداخت میکند.
من هر جور حساب میکنم این نحوه تسهیلات در آخر زیانده از آب درمیاد! و باید از جیب خودشان پول هم تزریق کنند تا بتونند پرداخت تسهیلات رو ادامه دهند.
4% کارمزد هم سود زیادی نیست که بشه روش حساب باز کرد. به نظرم به زور بتونه هزینهای بانک مثل اجاره مغازه شیک و بزرگ و حقوق کارمنداشو ساپورت کنه.
کسی میدونه چطور این قبیل از وامها بازده هی داره؟
با تشکر

[mnparsi]

این موسسات برای سپرده گزاری به امید وام خیلی پرریسک هستن. همون طور که خودتون گفتید این کار در نهایت زیان برای بانک خواهد بود. اما در صورتی که بانک فقط عملیات پولی و مالی انجام بده ، اما متاسفانه در کشور ما بانک ها فقط عملیات پولی انجام نمیدن.بلکه با تاسیس شرکت اقدام به شرکت در فعالیت های اقتصادی میکنن. یعنی این بانک احتمالا در این 4 ماه پول سپرده گزار رو در فعالیت های دیگه ای که سود ده هست سرمایه گزاری میکنه. اما اگه این سود ادامه دار نبود و بانک سود نکرد چی میشه؟اگر اوضاع درست و مثل قبل پیش نرفت بانک توان اعطای تسهیلات و حتی باز پس دادن سپرده های مردم رو نخواهد داشت و مشکل و معضل موسسات ورشکسته بازم تکرار میشه و مردم باید چندین ماه دنبال پولشون باشن تا شاید بتونن بدون هیچ سودی بعد از مدت زیادی پولشون رو پس بگیرن.نمونه هاش هم موسسات ورشکسته مثل اعتماد ایرانیان هست.

[jiuer7845]

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