Vanopomerwa mhosva vanopomerwa vanomiririra vatengesi uye vane chikwereti mukugadzirisa zvemari, kushanda, kubhadhara mhosva uye dzimwe nyaya dzinobatanidza mari inodzvinyirirwa. Mutemo wekushungurudza ndeimwe yenzvimbo dzinotyisa zvikuru munharaunda yepamutemo nhasi uye makambani emitemo munyika yose ari kuwedzera kukanganisa kwavo nekugadzirisa maitiro.
J. Andrew Rahl, Jr., shamwari yaReed Smith uye sachigaro weBusiness Restructuring uye Bankruptcy Group, vanogovera ins uye kunze kwekuita mutemo wekuputsa mubvunzurudzo pasi apa.
Rahl ave akatumidzwa zita rimwe reZimbabwe Rakanaka Rakabhadhara Mareji kanomwe neVirarounds & Workouts . Muna 2007, The Deal yakamutumidza kuti mumwe wevatongi vepamusoro.
Rahl anowanzogara ari mukurukuri uye mudzidzisi muUnited States uye muEurope uye anowanzotaurwa kakawanda mumari yezvemari ekudarika, kuburitswa, uye nezvehupfumi hune chokuita.
1. Unogona here kutaura nezvemikana yebasa mumunda wekuparara kwemutemo?
Mikana mikana iri kukura mundima iyi. Uku kukura kuri kuratidzwa kwechikwereti chekwereti uye hupfumi hwekushungurudzwa nekugadzirisa magweta.
Zvakaoma kufungidzira pamusoro penguva refu yezvehupfumi asi ndinofungidzira kuti bhastoncy boom ichagara kwemakore mashoma. Makambani mazhinji emitemo vari kuwedzera maitiro avo ekudarika. Takangobva kuwedzera shamwari itsva kuboka redu.
2. Wakapinda sei mumunda wemutemo wekuparara?
Ndave ndichiita izvi kwenguva yakareba.
Mushure mokunge ndapedza chikoro chemurairo mukati mekuderera ndakaenda kune imwe kambani ine kubhadhara nekugadzirisa tsika uye ndakaiona ichifadza zvikuru. Ndakatarisa mikana yekudzidzira kubhadhara chero pandaigona uye muna 1990 ndaive ndichiita bhadhaki nguva yakazara.
3. Chii chaunonyanya kufara nacho pamusoro pekuita munzvimbo yekushungurudza?
Corporate bankruptcy inobata pamusoro pezvinhu zvose zvemutemo webhizimisi.
Mukuwedzera pakuziva nheyo yekubhadhara, iwe unofanirwa kuva mukuru wenhau maererano nekubatana uye kuwanikwa, kushamwaridzana uye kuchengetedzwa , basa, nzvimbo yekutengesa uye zvinhu zvakawanda zvekuita tsika. Kuita munzvimbo yekushungurudza kunonakidzwa uye zviitiko zvose zvakasiyana.
4. Ndezvipi zvinetso zvakasiyana nemutemo wekuparara?
Mutemo wekushungurudza unokweretesa kuvanhu vanoita zvakanaka pamusiku wokupedzisira pasi pezvinetso. The bankruptcy timeframe inogona kuva shoma shoma kudarika mhaka inowanikwa. Dzimwe nharo dzinoramba dzichienderera mberi kwemakore apo humwe humwe zvinhu zvekushungurudza dzinosanganisira nyaya dzakangwara dzinogadziriswa munguva pfupi.
5. Ndezvipi mabasa anowanzoitwa neanopinda muchengeti gweta?
Chii chinoitika mukupereta kunobva pane zvakaita nyaya yacho. Hazvisi zvisiri izvo mubhadhadzi yevatongi vatsva kuti vashande pamwe nevatengi uye zvinyora zvinyorwa zvepamutemo. Somuenzaniso, gweta remakore rokutanga uyo akabatana nekambani yedu yaifara chaizvo kupedza mazuva matatu achishanda pamusangano wekusimudza kushandura kwekuzvinyima nekuremekedza kuchengetedzwa kwekwereti uyo ari mudziyo wemari. Achatorawo nharo mukukakavadzana.
6. Unyanzvi hupi hunodiwa kuti uite munzvimbo yekushungurudza?
Chimwe chezvinhu zvinonakidza pamusoro pebhangi yakaitwa tsika ndeyokuti yakasvibiswa pakati pekutonga nemitambo yekutengesa.
Iwe unoda zvose zviri zviviri ruzivo rwemuteereri uye unyanzvi hwomugari wenhau. Hazvikuvadzi kuva nekambani yakanaka nekambani yekunyora kwekambani zvakare.
Unyanzvi hwokuongorora, rudzi rwaunodzidza muchikoro chemutemo, runodikanwa. Unyanzvi hwokutaura hunokosha sezvo vatsigiri vemapurisa vanopedza mari yakawanda yenguva yavo pamakumbo avo vachikakavara mudare. Kunyora mano kunobatsirawo sezvo varairi vekugadzirisa vanonyora kuteterera, mhinduro, zvinyorwa uye mamwe magwaro.
7. Mutongi mutsva angapinda sei mumunda uyu?
Nguva ndeyese iri mubhadhadzi. Icho chinokonzera uye hupfumi hunova nemigumisiro pamabasa ekugadzirisa. Iye zvino ndiyo nguva yekutsvaga mikana mubhadhadzi.
Nyanzvi dzemitemo itsva dzinofarira kubhadhara dzinofanirwa kutsvaga zvakasimba izvo zvine chinangwa chinokonzera kubhadhara. Makambani anoshamwaridzana iye zvino nebasa rekuputsa.