Ubuhlobo zemali

Ngophuhliso kobudlelwane kweemarike mihla Russian lwezimali iye ibaluleka ekuphumezeni lo mgaqo-nkqubo yezoqoqosho yesizwe, ezentlalo, kakade, karhulumente wethu. Ubudlelwane ezivelayo kwinkalo yemisebenzi yoqoqosho karhulumente yaye zilawulwa yimithetho ezizodwa ngokuba "ulwalamano yemali".

Olu hlobo yonxulumano karhulumente lophawu ibalulekileyo kurhwebo kwezoqoqosho. Ukuphuhlisa ubudlelwane zemali ukuba ukwandiswa ububanzi bemisebenzi noqoqosho lweli lizwe. Oko kukuthi, ahlelwe arhente zikarhulumente ezizodwa, ezifana ne-Federal kaNondyebo, i-Ofisi yoMphathiswa Irhafu kunye Imisebenzi, Pension Fund kunye nabanye. umthetho eziphuculweyo kunye neendlela zemisebenzi yezoqoqosho, lonke ixesha kukho iindidi ezintsha ze ulwalamano zemali. Bona ahluka ngokucacileyo izinto ezimbini: mhlaba kunye karhulumente-imperious. Ekubeni umsebenzi kwezoqoqosho kwi noseko lwalo urhulumente usebenza, ukusetyenziswa imali njengenxalenye yobume kwipropati.

Ngenxa yokuba umsebenzi noqoqosho lweli lizwe kukho ubudlelwane zingeyomfuneko ummiselo osemthethweni. Kodwa ubudlelwane zemali kuphela ukunika ingqwalasela kwaye zibonisa ngomongo umsebenzi utshilo. Ngoko ke, ngaphandle ngomsebenzi yezoqoqosho kunokwenzeka.

Cinga ubudlelwane zemali, iimpawu zazo kunye neendidi. Ezona mpawu ziphambili:

1. Babonakala ngenxa umsebenzi noqoqosho lweli lizwe.
2. Kufuneka ninikele isifundo, nto leyo igunya eliphezulu okanye wengingqi yoluntu.
3. Isizathu engundoqo inkangeleko yabo - ukuba imali (ingeniso karhulumente okanye inkcitho, njalo njalo).

Ezi mpawu ezahlula zemali kwezinye ubuhlobo. Ngoko, xa ukunyhashwa yolawulo ngumtyholwa zingawisa izohlwayo. Kodwa inxaxheba kumsebenzi karhulumente yezoqoqosho, kwaye ikhona kuphela necala kohlwaywa. Ngoko ke, olu hlobo budlelwane ilawulwa ngumthetho wolawulo, kunokuba zemali.

Ngokwesiseko isiqulatho eziphathekayo ezi ndlela zilandelayo ulwalamano zemali:

- Irhafu;

- aphansi;

- credit (bank okanye oluntu);

- inshorensi;

- izibalo olawula lo mthetho-mali;

- elawula lokuhamba kwemali kunye, Kakade ke, lo mthetho lwemali.

zizathu zilandelayo kaninzi ngenxa ukupheliswa yonxulumano zemali:

1. Ukusetyenziswa kulwabiwo mali.
2. Lokuhlawula ityala imbopheleleko lemali ngenxa ukuhlawula ngexesha elifanelekileyo isixa eziyimfuneko okanye ingqokelela iintlawulo ezisemva ngentlawulo (amatyala).
3. Ukusetyenziswa amaqumrhu akhethekileyo amalungelo ayo ngokuphathelele kongezwe engahlawulwanga yerhafu.
4. Imisa ubudlelwane nabantu irhafu kwenzeka xa umntu efikelela kwiminyaka ethile, umzekelo ngenxa yokugaya, umhlala-phantsi.

ubudlelwane yemali neyomthetho zithande ukuba kwenzeke isiseko sento ngamnye esemthethweni (umzekelo, phawula anikwe umzimba ungummi zemali, ukuba kufuneka uhlawule irhafu ethile) okanye isenzo esemthethweni olumisiweyo (kuthatyathwa unyaka wonke umthetho mali).

Tshintsha ulwalamano zemali nezomthetho kuphela kwimeko xa kukho utshintsho izibakala okanye iziganeko ezichazwe kulo Mthetho yolawulo. Okwangoku, lo mthetho noqoqosho Russian Federation iyahlozinga, ngoko bonke utshintsho kufuneka iliso rhoqo ukuba zenziwe okuqulethwe amaziko komthetho zemali.