Inkqubo yemicimbi yemali

Mhlawumbi akukho amashishini ezinjalo, nto leyo, ekuqhubeni imisebenzi yayo, kungekhona ukujongana ingqiqo njenge "imicimbi yemali" ezinjalo. Nokuba zibalwa kunye umthengi, intlawulo yemivuzo ukuba abasebenzi bayo kunye nezinye iindleko, ezifana nentlawulo neemfuno zohambo okanye ishishini - konke oku uluhlu olupheleleyo mathuba abasebenza lifune ozakuphunyezwa ngqo umyalelo ukusetyenziswa imali.

Kodwa yintoni na lo mbono - "Intengiselwano yemali"? Kwaye yintoni ke umyalelo yehambo yabo?

Kuya iqondwe ulwamkelo kunye nokugcinwa, kwakunye inkcitho njengemiqondiso imali kunye namaxwebhu emali.

Ngokugcina iirekhodi imicimbi yemali kukho inani elithile iimfuno, zezi zilandelayo:

• Amaxwebhu ebonisa intshukumo njengoko cash and cash amaxwebhu, kufuneka kwenziwe ngaphandle ngokuchanekileyo nangexesha.
• alawule phezu ukusetyenziswa ekujoliswe kwemali kunye nokusetyenziswa ukhuseleko lwabo.
• Ukugcina imali, kwakunye zokuhlala kunye nengqeqesho intlawulo.

Zonke inkampani, eye ingxowa-mali yayo, kufuneka ufumane incwadi imali, sise osethilini ikopi enye. Ngapha koko, oko bekumele ukuba eyayifakwe, ababalwayo, eziprintiweyo. Le ncwadi iya zisayinwe yintloko kunye zincwadi oyintloko lweshishini.

Kungenxa kule ncwadi yonke Cashier imihla ongena nokulingana ekhoyo imali ukuba ofisi itikiti ekuqaleni kwemini, intshukumo yabo (iirisithi, inkcitho) ngethuba imini kwaye ekuqaleni eseleyo elandelayo. Nganye entry kufuneka kwenziwe iikopi-2, enye apho uhlala incwadi ngokwayo, kwaye enye iza kudluliselwa kwiSebe mali, nto leyo eya ingxelo osethilini.

Izilungiso amaxwebhu ngemali ezi azamkeleki.

Ukuze baqhube mali eyenziweyo ngenxa imicimbi yemali, ekujongwe ukusetyenziswa engundoqo akhawunti esebenzayo 50 "Imali", apho amaxabiso eseleyo sokuqala nesokugqibela isigaba siya kubonisa ukufumaneka kwemali ekuqaleni nasekugqibeleni kwexesha. Debit le akhawunti isebenza sisalathisi ingeniso kunye ngetyala, phezu koko, egcina umkhondo kwemali.

Inoxanduva lokuphendla umyalelo imicimbi yemali luphezu kwamagxa lomlawuli. Ngokutsho komthetho Russian, abo benze ukutyeshelwa yengqeqesho mali, kufuneka bohlwaywe.

Kule mihla, ngenxa computerization kwande kwenzeka siqhuba incwadi cash-elektroniki, nto leyo lula kakhulu umsebenzi osethilini. Nangona kunjalo, kwiimeko ezinjalo yokusebenza, kuyimfuneko ukwenza iitshekhi rhoqo izixhobo zecomputer ezibonelela amaxwebhu cash processing.

Modernity izise iinguqu nje kuphela kwiinkalo zobugcisa imicimbi yemali, bona iphathwayo, umyalelo yehambo yabo.

NgoSeptemba 1993, iBhodi yabaLawuli ye-Central Bank of Russia savunywa isigqibo, apho indlela imicimbi yemali-40 yamkelwa, leyo, ukongeza izibonelelo jikelele ziquka:

• Guide for Ukwamkelwa kuhlawulwe imali ezinkozo, kwakunye namaxwebhu yemali order processing.
• Umyalelo phezu ulawulo kweencwadi zemali kunye nokonga imali.
• Imithetho ye- ofisi zophicotho, kwakunye nolawulo ukuthotyelwa ingqeqesho imali.

Ukongeza, uxwebhu uye idla ezine:

1. Inkcazelo emiqondiso imithetho, injongo - ukugqiba ihlelo intlawulo yemali (iinowuthsi bank) kunye iingqekembe ze-Bank of Russia.
2. Guide to zokuhamba kunye nokugcinwa imali
3. Ukuqiniswa yobugcisa yimali izakhiwo kwisakhiwo kunye ngokubaxhobisa kunye alarm. iimfuno zokhuseleko zobuchwepheshe.
4. Form nokulungiswa ingxelo yophicotho kwi-ofisi ibhokisi.

kweminyaka phantse elinethoba indlela imicimbi yemali yaba iseti efanayo imithetho kwaye irhoxisiwe njengoko ukulahleka yommiselo amandla ngoJanuwari kulo nyaka nge ukusetyenziswa kwezo wokuLawula № 373-P.

Ukusebenzisa uthelekiso zombini uxwebhu olumisiweyo, kufanele kuqatshelwe ukuba kukho utshintsho entle uhlelo entsha. Nakuba kunjalo, eminye imiba nalo mba.

Ngokufutshane, abo banomdla ngqo kwinkqubo imicimbi yemali kumandla zasemsebenzini okanye ezinye izizathu, akayi kuba Regulation eyolukileyo №373-P ngenyameko ukuyiphendla.