Ukuzinza kwezezimali kuyisiseko sokuphuhliswa koqoqosho kweshishini elinye kunye nelizwe lonke

Ukhuseleko kunye nokuzinza kuyisiseko sokuphuhlisa uluntu. Iinguqulelo eziqhubekayo kunye neengqungquthela ezikhokelela ekutshintsheni komgaqo-nkqubo, okungafaneki negalelo ekukhuliseni uqoqosho kwizinga elitsha. Kwaye nangona oko kwenzeka, kuphela emva kweminyaka yokuphuhliswa kokuqhubeka kwezinto. Ngoko ke, ukuzinza kwangaphakathi kwombuso kuqikelela ukuba ikusasa lilindele ntoni kubemi bayo ngexesha elifutshane nelide.

Micro- kunye ne macrolevel

Lo mgaqo usebenza kumntu ngamnye. Ukuba uhlala utshintsha izinto zokuzonwabisa, ngoko ngenxa yoko awukwazi ukufunda into ethile. Ukufezekiswa kweenjongo ezisetyenzisiweyo zombini nakwinqanaba likarhulumente lisoloko lwenzeka kwizigaba zibini: ukhetha isicwangciso esifanelekileyo kunye nokuqhuba ngokukhawuleza i-ajenda yexesha elaneleyo elide.

Ukuzinza kwezopolitiko

Umfanekiso wombuso usekwe phantsi kwefuthe lezinto ezininzi. Enye yeyona nto ibaluleke kakhulu kukukwazi ukugcina inkambo yakhe yezopolitiko ngexesha elide kunye nokuqinisekisa izinga eliphezulu lokuzithemba koluntu kurhulumente wangoku. Imiba yomthetho yolawulo lwezoqoqosho kweli lizwe ngokubanzi lichonga iqela lezemali lokuzinza, ngoko kubalulekile ukuqonda ukuba yeyiphi iiparitha ezichaphazelayo. Phakathi kwazo eziphambili zi:

• Ukusebenza kwenkqubo yezopolitiko.
• Ukulungelelaniswa kwezenzo zoluntu kunye neminqweno yoluntu.
• Umgangatho ophezulu wokuthembela kurhulumente.
• Ubume kunye nolawulo lwentando yesininzi.
• Isakhiwo somthetho esicacileyo.
• Isabelo esifanelekileyo samagunya.
• Ukukhuselwa kwamalungelo abantu.
• Ukulungelelaniswa kwemithetho esemthethweni neyiyo.
• Ukungabikho kolwazi oluqinileyo lweklasi kunye neengxabano phakathi kwamaqela ahlukeneyo.

Uzinzo lwezezimali lwebhizinisi

Ukusinda kwindawo yoqoqosho lwemarike kunxulumene nomnqweno oqhubekayo wokuphucula ukwenziwa kwemveliso. Oku kufezekiswe ngokuqaliswa kwempumelelo ephambili kwizesayensi kunye ne-teknoloji, umbutho onokuqulunqwa komsebenzi, ukukhuthazwa komsebenzi wabasebenzi. Kodwa ukuze sikwazi ukuzalisekisa olu tshintsho olulungileyo, ishishini kufuneka lizinze ngokwezimali. Ngaphandle koko, nayiphi na inyathelo engaphumelelanga okanye utshintsho olungalindelekanga kwiimarike-kwaye kusemgceni we-bankruptcy. Ngoko ke, ukuzinza kwezemali yinto ephambili yokuhlalutya kwimeko yangoku yoshishino.

Uvavanyo lwangoku

Imeko yezemali yoshishino ibonakaliswa yizo zixhobo eziqinisekisa ukuba isebenza ngokuqhelekileyo kunye nokulungiswa kwezinto. Kuyinto enzima, engaqinisekiyo kwaye ezinzile. Inani lezibonisi lisetyenziselwa ukuvavanya:

• Ulwakhiwo lweempahla kunye namatyala.
• Ukusebenza ngokusetyenziswa kweenkunzi.
• Ukuthembeka kweshishini.
• Solvency.
• Uzinzo lwezezimali.

Ukuzinza kwezoshishino kuthathwa ngolu hlobo lwenkcazo: ukuma kweemarike, umgangatho wemveliso, ubunako, ukuxhomekeka koxhomekeke kubatyalomali kunye nabathengi, ukungabikho kwamatyala, ukusebenza kakuhle kwemveliso kunye nokuveliswa kwabasebenzi.

Amacandelo okuQiniseka koShishino

Iindidi zezinto ezichaphazela imeko yangoku kwi-shishini ziqinisekisa ukuba ukuzinza kuyisethi yezinto ezintathu eziphambili. Ukuzinza kwangaphakathi yimeko yezemali apho ukusebenza okuphezulu ngokuqinisekileyo kuqinisekiswa. Ukuzinza ngokubanzi kwenkqubo kubonisa ukuhamba kwemali ebhizinisini, okuqinisekisa ukuba imali engenayo iyadlula iindleko. Ukuzinza kwezezimali kuvumela ukuqhutyelwa kweemarike kwaye kuncedisa kwinkqubo engenzikiyo yokuvelisa kunye nokuthengiswa kweempahla. Ii-coefficients ezifunyenwe kwisilinganiselo zifaniswa nezikhombisi eziqhelekileyo okanye eziqhelekileyo, ezivumela ukuseka imeko yangoku ye-ishishini.

Izinto zokuzinza

Ukuzinza kwezemali kuchaphazelekayo kunye neerameters of environment yangaphandle nangaphandle. Iqela lokuqala liyinkokhelo yenzuzo, ukuba kunelungelo lokufihla iindleko kunye nokuqinisekisa ukusetyenziswa kwezixhobo zanamhlanje. Ukuxhamla kuxhomekeke kumgangatho kunye neentlobo zeempahla, iindawo zokugcina izinto, ukugcinwa, ukuchaneka kwesicwangciso kunye neenjongo, ukulungiswa kolawulo lwezemali. Ukuzinza kwangaphandle kweshishini lugxininiswe kwimeko yoqoqosho olusebenza kuyo. Amacandelo ayo yinjongo yokuphuhliswa koqoqosho lwelizwe, indawo kwishishini, inzuzo yokukhuphisana, ubudlelwane kunye nabasemagunyeni karhulumente, kunye nabaxhasi, abatyali-mali nababolekisi. Ukongezelela, ukuzinza kwemali kunikezelwa ngezinto eziphathekayo, ezopolitiko, ezingekho kwimakethi, indawo kunye nezinye izinto.

Iingxaki zeZibonelelo ezingeneli

Ingxaki okanye imeko engaqinisekanga yoshishino ibonakaliswe ekunciphiseni kwe-solvency kunye ne-liquidity, ukwanda kweemali ezifunyenweyo kunye neendleko. Ukuzinza kwezimali kwangoku kunye nokuza kuba yinto yokuhlalutya nayiphi na ishishini. Ngokusekelwe kovavanyo lwakhe, izicwangciso ezicwangcisiweyo zenziwa kwaye i-ajenda iyakhiwa. Ukongezelela kokuzinzi ngokwaneleyo, ngamanye amaxesha ishishini lijongene nokuzinza ngokweqile. Oku kunemiphumo emibi ekusebenzeni, ekubeni eli lizwe lezinto kuthetha ukuba izityebi zemali zamahhala zisetyenziswe ngokungasebenzi.

Ngaloo ndlela, ukubonelela ngenqanaba eliyimfuneko yenkxaso yenkampani ngumsebenzi oyintloko wolawulo. Kuvela ekusebenziseni kwakhe ikusasa elingenasiphelo kunye nethemba lokunyuka kwoshishini kuxhomekeke.