Imali umongo walo

Ngenxa ifomu imali yexabiso tshintsho (imali-yorhwebo, i yorhwebo-mali), basoloko elungelelanisayo phakathi izifundo ezithathu, owokuqala kuzo abantu bendalo, okwesibini - kwezolimo, kwakunye yesithathu nabasemagunyeni karhulumente.

ejikeleza wolawulo - ukuhanjiswa kwemali, into eyenzekayo ngekheshi okanye ikheshi ifomu. Isiseko sale nkqubo ukwahlulwa kwabasebenzi kuluntu kunye inqanaba lophuhliso kwimveliso. Ngoncedo lwe lwemali ekhoyo uyakwazi ukuba imveliso kwananwe yemveliso zentlalo, kwakunye nokubonelela ngeenkonzo kunye nentshukumo kwenkunzi.

Umgaqo kobudlelwane yorhwebo-mali esekelwe yokuba zifuna isixa esithile kweerisithi zemali unyango.

Imali kwegazi na iintlobo ezimbini eziphambili:

- Cash. Le mali isetyenziselwa ukubonelela kweempahla kunye neenkonzo, kunye yokuhlawula ipension, imivuzo kunye nezinye izibonelelo namanani oluntu. Olu hlobo semali ejikeleza nkqubo ngoncedo amanqaku, imali metal, iitsheki, iicredit cards kunye namatyala.

- non-cash. Le fom luphawulwa intshukumo yexabiso apho imali hayi libandakanyeka ngqo. Olubalo senziwa-akhawunti kumaziko ngetyala.

Currency, ngokusekelwe kwiintlawulo non-cash, yahlulwe ngamaqela amabini. Eyokuqala kuzo iphathelene intlawulo yeempahla kunye neenkonzo ezithile. Njengoko le yesibini, le nkqubo ibandakanya iintlawulo ezinikwe loo mali (irhafu), kwakunye neentlawulo mali, intlawulo umdla semali-mboleko kunye lokuhlawula imali-mboleko yebhanki.

Qaphela ukuba cash and non-unyango inobudlelwane ethile, ubukho ngokwemvelo. Into yokuba imali luphawulwa impahla utshintsho ukusuka kwesinye isimo ukuya kwesinye. Ngenxa iintlobo zonyango zenza karhulumente turnover zemali, umanyaniswe lwemali.

Kukho ikho into umthetho imali kwegazi, nto leyo uqulunqe uKarl Marks. kubume bayo usendleleni yokuba isika mali lwenkunzi, nto leyo efunekayo ukuze lenze imisebenzi iindlela zonxibelelwano kunye nentlawulo.

ejikeleza Monetary for ukusebenza kakuhle kufuna umlinganiselo othile imali, nto leyo kuxhomekeke kwizinto ezininzi, ezifana:

- kwempahla kunye neenkonzo wathengisa

- Amanqanaba ixabiso yempahla kunye namaxabiso.

- Capital Velocity, nto leyo iphenjelelwa zombini noqoqosho (uphuhliso kwimveliso), kunye nesakhiwo neentlawulo-mali.

Isixa semali ejikeleza sihlobene ngqo iimeko zemveliso, ukuba ukwahlulwa yabasebenzi eluntwini ziphuhliswa ngeyona ndlela inenzuzo enkulu, kukho umthamo omkhulu wezinto bathengisa kunye neenkonzo ezinikiweyo. Ukuba imveliso iphezulu, ixabiso lempahla kunye amaxabiso ziya kuba ngaphantsi kakhulu. Kwakhona, isixa semali uxhomekeke ngqo kwi kwiimeko ezithile, umzekelo:

- Ukusuka umthamo kweempahla kunye neenkonzo wasebenza.

- Ukusuka amaxabiso Amaxabiso imigangatho yenkonzo.

- izinga lophuhliso bentlawulo ikheshi.

- Ukusuka uqina imali, phakathi apho kukho nayo ngetyala.

Lubonakala ngokuba ethile izinga wokubolekisa ngemali leyo umiselwa inani revolutions zeyunithi lawulo kangangexesha elithile. Into yokuba imali efanayo udlule isandla ngesandla kwaye isebenza ukuqinisekisa ukuba iimpahla bathengisa kunye neenkonzo ezinikezelweyo.

Ngelo xesha, xa ukusetyenziswa iingqekembe zegolide, inani lazo kwi imakethi igcinwa izenzekele. Xa indima umlawuli wenza sokrovischnaya umsebenzi leyo eyenzelwe ukuba kubekho uzinzo phakathi impahla ezifunekayo ukuze ulawulo, kunye supply imali. Xa kukho imali engaphezulu, benza ubuncwane. Ukuba ufuna kubo, kuba imali kweempahla anda, abantu basuswa khona.