Kukho iindlela ezininzi zokukhuthaza uqoqosho lwelizwe. Kubalulekile ukuqwalasela izinto ezininzi kunye nokungaziphathi kakuhle. Enye yeyona ndlela iphumelele kukuba ukwandisa ingeniso kwimali yemali. Ngale nkqubo kuya kubakho kuphela ukuphucula imeko yezoqoqosho kwilizwe lonke, kodwa kwakhona ukukhupha iibhanki ezintsha, ukubeka endaweni eyonakalisiweyo.
Yintoni umcimbi wemali?
Umba wemali kukukhutshwa kwamanqaku amatsha ngokuhamba ngokukhululeka. Ingxaki enjalo yenziwa ngumbuso kwaye ilawulwa ngumthetho. Lo msebenzi kufuneka wabelane ngabasemagunyeni karhulumente phakathi kwebhanki ephakathi kunye nondyebo. Iyokuqala ikhupha imali yemali-mboleko (ibhanki). Imiba yesibini imicimbi yamatye ekhethekileyo, kunye neengqekembe. Phakathi kweendlela eziphambili zokukhutshwa kwezinto:
- Ukukhutshwa kweemali zemali-mboleko - iibhanki.
- Idizithi-yokukhangela.
- Uvimba.
Iyintoni umcimbi wemali?
Le nkqubo, njengabantu bonke, inemisebenzi yayo. Ngoko ke, ukujoliswa kwemali ekujoliswe kuyo kuqhutywe ukuze kulandelwe iibhanki eziphangiweyo kunye nokukhuthaza umnotho welizwe. Njengomphumo wokukhutshwa kwemfihlo, inkampani inokwandisa imveliso yayo, ivuselele kwakhona, okanye isombulule ezinye iingxaki, njengemithombo yezinto ezongezelelweyo ezibonakalayo. Nangona kunjalo, kubalulekile ukuqonda ukuba umbandela wezabelo ezintsha eza kwiimarike, kunokuba zisasazwe phakathi kwabaphathi beenkampani, kunciphisa inxalenye yabanikazi bokuqala bezabelo.
Imbango yemali - i-pros and cons
Inkqubo enjengokuba umcimbi wemali awunelungelo kuphela, kodwa nemiphumo emibi. Kubalulekile ukukhumbula ingozi yemali. Ngaloo ndlela, ngenxa yolu hlobo, amandla okuthenga imali angancipha. Okokuthi, sinokuthi ukukhutshwa kwemali kubangela ukunyuka kwamaxabiso. Phakathi kweenzuzo zokukhutshwa kwemali:
- Nkampani yokwenza imodeli.
- Ukukhuthazwa koqoqosho lwelizwe.
- Ukwandiswa kwemveliso yenkampani okanye inkampani.
Ngubani oqhuba umbandela wemali?
Inkqubo yemali ebalulekileyo yinkcitho yemali kuphela kwiibhanki zephondo. Ukukhutshwa kwamanqaku eebhanki amatsha kunye neengqekembe zemali ekuhanjisweni kukubuyisela iindleko ezifanelekileyo okanye ukuphucula imeko yezoqoqosho. Isiseko seentlawulo ezingekhoyo imali yintlawulo ye-deposit-check check of securities, enokuthi yenziwe ngeebhanki zorhwebo. Kwiimeko ezininzi, ukukhutshwa okungabikho kwemali kubonisa ukukhutshwa kwekhredithi kwimibutho kunye nabantu ngabanye.
Inkcitho yemali kunye neentlobo zayo
Kukho iintlobo zemali:
- I-Cash - inxulumene nokunyuka kwento yokuthengwa kwempahla kwixabiso, kuba imali ingakwazi ukuqhuba iinkqubo kwiimarike ezikhethekileyo.
- Imali engekho-mali- eyenziwa ngetyala lokubambisa imali ekhutshwe kwiakhawunti yabathengi beebhanki zorhwebo ngendlela yemboleko.
- Umcimbi weBhajethi - unxulumene nokukhutshwa kwamanqaku ezizodwa zemali kunye neemali ezikarhulumente ngenjongo ethile yokuxhaswa kwemali yebhajethi yelizwe.
- Ukukhishwa kwetyala - kudibaniswa nokufumana imali yemali-mboleko ngexesha leenkqubo zemboleko.
Ingxaki ye-non-cash cash
Le nkqubo yezoqoqosho yenyuka kwimali yeebhanki emva kokusebenza ngokusebenza ngamaziko emali. Le nkqubo ngokumalunga nemali ibalulekileyo. Ukukhutshwa kwemali engekho imali kwenziwa ngeebhanki ezikhupha imali kubathengi kwiimeko apho banemali kwi-akhawunti yebhanki. Ngethuba elifanayo, imali engeyiyo imali iyabhalwa kwiakhawunti yomthengi ngenani le mbambano.
Enye uhlobo lwemali kunye nemali engekho imali iyakwazi ukulungelelanisa ubunye kunye nokudibana kwamanyathelo okuphuma. Kwihlabathi lanamhlanje, iindidi ezimbini zokukhutshwa ziyimali yesikweletu. Ngamanye amazwi, ityala lentlawulo eyongezelelweyo, kungakhathaliseki ukuba yintoni ifom yabo, inokungena kwi-circulation ngokubaluleka kweentengo zesikweletu.
Umcimbi weCash
Le nkqubo iqondwa njengokukhutshwa kwemali ekuhanjisweni, okumele kwandise inani lemali ekuhanjisweni. Umba weengxowa-mali ukwenziwa ngamabhanki aseburhulumenteni. Kubalulekile apha kungekhona kuphela ukuseka ubungakanani bokuvelisa ubungakanani, kodwa kwakhona ukusabalalisa kulo lonke ilizwe. Inkqubo yokukhupha imali ihlala yenziwe ngokwemali.
Ngenxa yokuba imfuno yamashishini emali-yorhwebo ngenkokhelo ixhomekeke kwimfuneko yokuba ayifumanekanga kuphela ngokomthetho kodwa nakwabantu ngabanye, iyatshintsha. Ukutshintshwa kweengxowa-mali kwii-akhawunti ezingekho imali, ezikwimali ye-deposit kwaye ngexesha elifanayo ziyinxalenye ebalulekileyo yokuhamba kwemali eyenziwe ngamabhanki ezorhwebo ngenxa yokusebenza komthengisi webhanki.