You are on page 1of 4

2VWHRDUWKULWLV

2VWHRDUWKULWLV 2$ LVWKHPRVWFRPPRQMRLQWGLVRUGHULQROGHUSDWLHQWVFDXVLQJ
PDVVLYHEXUGHQRIPRUELGLW\DQGGHSHQGHQF\,WLVQRWLQHYLWDEOHZLWKDJHLQJ
,WLVDGLVRUGHURIWKHG\QDPLFUHSDLUSURFHVVRIV\QRYLDOMRLQWVFDXVLQJ
ߧ /RVVRIDUWLFXODUFDUWLODJH MRLQWVSDFHQDUURZLQJ
ߧ 9DVFXODUFRQJHVWLRQ
ߧ 1HZJURZWKRIFDUWLODJHDQGERQH RVWHRSK\WHV
ߧ &DSVXODUILEURVLV
,QKHULWHGIDFWRUVGHWHUPLQHVXVFHSWLELOLW\EXWLQGLYLGXDOJHQHVDUHQRWLGHQWLILHG
࠰ DJH LV WKH VWURQJHVW ULVN IDFWRU ࢍ DQG WKRVH ZLWK KLJK ERQH GHQVLW\ DUH DW
KLJKHU ULVN 2EHVLW\ WUDXPD DQG UHSHWLWLYH DGYHUVH ORDGLQJ HJ PLQHUV RU
IRRWEDOOHUV DUHSRWHQWLDOO\DYRLGDEOHIDFWRUVߝ%XUQWRXWߞUKHXPDWRLGDUWKULWLVRU
QHXURSDWKLF MRLQWV HJ LQ GLDEHWHV  DV ZHOO DV FRQJHQLWDO IDFWRUV HJ KLS
G\VSODVLD FDQUHVXOWLQp2$
&OLQLFDOIHDWXUHV
ߧ 3DLQߚDVVHVV VHYHULW\ LPSDLUPHQW DQG LPSDFW RQ OLIH 8VXDOO\ LQVLGLRXV LQ
RQVHWDQGYDULDEOHRYHUWLPHZRUVHZLWKDFWLYLW\DQGUHOLHYHGE\UHVW&KURQLF
SDLQPD\FDXVHSRRUVOHHSDQGORZPRRG
ߧ 2QO\RQHRUDIHZMRLQWVDUHDIIHFWHGZLWKPLQLPDOPRUQLQJVWLIIQHVVDQGRIWHQ
ZRUVHQLQJRIV\PSWRPVGXULQJWKHGD\
ߧ 5HVWULFWHGPRYHPHQWHJZDONLQJGUHVVLQJULVLQJIURPDFKDLU
ߧ 6HYHUH2$FDQFRQWULEXWHWRSRVWXUDOLQVWDELOLW\DQGIDOOV
([DPLQDWLRQ
ߧ +HEHUGHQߞVQRGHV DV\PSWRPDWLFERQ\VZHOOLQJVRQGLVWDOILQJHUV DVVRFLDWHG
ZLWKLQKHULWHGNQHH2$
ߧ /LPSZLWKMHUN\ߝDQWDOJLFߞJDLW
ߧ 'HIRUPLW\LQFOXGLQJ
ߧ 0XVFOHZDVWLQJ
ߧ .QHHV PD\ EH YDOJXV NQHHV WRJHWKHU IHHW DSDUWߚߝNQRFNNQHHVߞ  YDUXV
NQHHVDSDUWIRRWLQZDUGVߚߝERZOHJJHGߞ RUIOH[LRQGHIRUPLW\
ߧ +LSVKRUWHQLQJIOH[LRQ FKHFNRQFRXFKE\IOH[LQJWKHRSSRVLWHKLSWRVHHLI
WKHDIIHFWHGKLSOLIWVRIIWKHEHGߚ7KRPDVߞWHVW
ߧ 5HVWULFWHGUDQJHRIPRYHPHQW
ߧ &UHSLWXV
ߧ (IIXVLRQV
,QYHVWLJDWLRQV
ࢀ 2$ LV D FOLQLFDO GLDJQRVLV 6\PSWRPV FRUUHODWH SRRUO\ ZLWK UDGLRORJLFDO
ILQGLQJV 7KH PDLQ UROH RI ;UD\ LV LQ DVVHVVLQJ VHYHULW\ RI VWUXFWXUDO FKDQJH
SULRU WR VXUJHU\ )HDWXUHV LQFOXGH MRLQW VSDFH QDUURZLQJ RVWHRSK\WHV VFOHURVLV
F\VWV DQG GHIRUPLW\ %ORRG WHVWV DUH QRUPDO HYHQ ZKHQ DQ RVWHRDUWKULWLF MRLQW
IHHOVZDUPߚUHFRQVLGHU\RXUGLDJQRVLVLILQIODPPDWRU\PDUNHUVDUHHOHYDWHG
2VWHRDUWKULWLVPDQDJHPHQW
2$ LV WKH PRVW FRPPRQ FKURQLF SDLQIXO FRQGLWLRQ 'UXJ GHSHQGHQFH DQG VLGH
HIIHFWVFDQEHDELJSUREOHP
ࢀ$OZD\VFRQVLGHUQRQSKDUPDFRORJLFDOWUHDWPHQWVILUVW
1RQGUXJWUHDWPHQWV
ߧ ([HUFLVH DHURELF DQG IRFDO PXVFOH VWUHQJWKHQLQJ 6ZLPPLQJ \RJD DQG WߞDL
FKL DUH SDUWLFXODUO\ JRRG 37 PD\ KHOS (QFRXUDJH WKH SDWLHQW WR H[HUFLVH
GHVSLWHWKHSDLQߚQRKDUPZLOOEHGRQH
ߧ +HDWFROGSDFNVEXWEHYHU\FDUHIXOWRDYRLGEXUQVLQSDWLHQWVZKRPD\KDYH
࠲WHPSHUDWXUHDZDUHQHVV
ߧ :HLJKWORVVQRWDTXLFNIL[EXWLQIOXHQFHVRWKHUKHDOWKRXWFRPHV
ߧ 6HQVLEOHIRRWZHDUVRIWVROHVZLWKQRKHHOV7UDLQHUVDUHLGHDO
ߧ :DONLQJDLGVHJVWLFN LQFRQWUDODWHUDOKDQG
ߧ (GXFDWLRQDQGVXSSRUWVHOIPDQDJHPHQWSURJUDPPHVDUHKHOSIXO
ߧ 2VWHRSDWKVRUFKLURSUDFWRUVKHOSVRPHSDWLHQWVEXWDUHH[SHQVLYH
'UXJWUHDWPHQWV
3DWLHQWVVKRXOGEHRIIHUHGUHJXODUSDUDFHWDPROLQDGHTXDWHGRVHEHIRUHPRYLQJ
RQWRGUXJVZLWKJUHDWHUVLGHHIIHFWSURILOHV3DWLHQWVPD\QHHGSHUVXDGLQJWRWU\D
UHJXODUSURSK\ODFWLFGRVHSHUFHLYLQJLWDVDߝZHDNߞGUXJ
ߧ 7RSLFDO16$,'VFDQEHKHOSIXODQGDUHORZHUULVNWKDQRUDO
ߧ 7KH QH[W VWHS LV WR DGG D ORZSRWHQF\ RSLDWHߚRIWHQ FRPELQHG ZLWK
SDUDFHWDPRO%HZDUHFRQVWLSDWLRQDQGVHGDWLRQ
ߧ $VKRUWFRXUVHRIRUDO16$,'VFDQEHXVHIXOLQDFXWHH[DFHUEDWLRQVEXWDYRLG
ORQJWHUPXVH,I16$,'VDUHXVHGIRU!ZHHNRULQWKHSUHVHQFHRINQRZQ
G\VSHSVLDRUXOFHUDWLRQUHGXFHWKHJDVWURLQWHVWLQDOULVNE\FRSUHVFULELQJHJ
ODQVRSUD]ROH PJ RG 7KH F\FORR[\JHQDVH &2;  VHOHFWLYH LQKLELWRUV
KDYHEHWWHUJDVWURLQWHVWLQDOWROHUDELOLW\EXWKDYH࠰YDVFXODUDGYHUVHHYHQWVDQG
VRKDYHIDOOHQRXWRIIDYRXU%RWKFDQZRUVHQKHDUWIDLOXUH
ߧ ,QWUDDUWLFXODU VWHURLGV FDQ EH UDSLGO\ HIIHFWLYH SDUWLFXODUO\ LI WKH MRLQW LV
KRWYHU\SDLQIXO7KHUHLVDVXEVWDQWLDOSODFHERHIIHFWEXWV\PSWRPVWHQGWR
UHFXUDIWHUߙZHHNV6LGHHIIHFWVOLPLWXVHWRIRXULQMHFWLRQVMRLQW\HDU7KH
FXPXODWLYHV\VWHPLFHIIHFWULVNVRVWHRSRURVLV
ߧ &RXQWHULUULWDQWVHJFDSVDLFLQFUHDPDUHVDIHDQGKDYHVRPHHIIHFW
ߧ 2UDO FKRQGURLWLQ DQG JOXFRVDPLQH DUH DYDLODEOH XQOLFHQVHG RYHUWKHFRXQWHU
EXWWKHUHLVOLWWOHHYLGHQFHRIEHQHILW
6XUJLFDOWUHDWPHQW
,QFOXGHV FDUWLODJH UHSDLU RVWHRWRP\ DQG MRLQW UHSODFHPHQWV $UWKURVFRSLF
GHEULGHPHQWODYDJH KDV OLPLWHG HYLGHQFH DQG VKRXOG QRW EH RIIHUHG XQOHVV
ORFNLQJ ,QGLFDWLRQV LQFOXGH SDLQ GHIRUPLW\ RU MRLQW LQVWDELOLW\ ZKHUH RWKHU
WUHDWPHQWV KDYH IDLOHG 2XWFRPHV FDQ EH H[FHOOHQW IRU ILWWHU ROGHU SHRSOH EXW
FDVHVVKRXOGEHFDUHIXOO\VHOHFWHG

You might also like