Utyalo-mali obuninzi kunye nokubaluleka kwayo ekuphunyezweni komsebenzi wezoqoqosho lwangaphandle

Ukuphuhliswa koqoqosho lwangoku kungenakwenzeka ngaphandle kokubambisana kweendlela ezimbini zolawulo lwezoqoqosho - ukuboleka okuzinzileyo kunye notyalo-mali olude. Ezi ziphumo zineempembelelo enkulu ekuphuhlisweni kwamacandelo ahlukeneyo ezoqoqosho kwanaliphi na ilizwe, ngoko ke, ukuze baqonde kangcono indlela yokusebenza kwabo, utyalo-mali kunye neentlobo zawo eziphambili kufuneka zifundwe ngokucophelela. Emva koko, ngaphezu kweeyunithi zemali ezongezelelweyo ekuphuhlisweni kwamashishini akhona, angakwazi ukuphazamisa ukuvela kwemimandla entsha kwizinto zesayensi kunye nezobugcisa.

Ngoko, utyalo-mali olupheleleyo lubonisa yonke imali yenkcitho-mali, engabandakanyi ixabiso lokunciphisa kuphela , kodwa kunye nolwabiwo-mali olongezelelweyo kwimveliso, ebonakala ngexabiso lentlawulo. Ukongezelela, kukho utyalo-mali oluthile olungabandakanyi iindleko zokuhlaziya. Wonke umntu uyazi ukuba ngaphambi kokutshala imali kumashishini athile, abatyali-mali bafundela ngaphambili imeko yezoqoqosho, balinganise zonke iingenelo, kwaye baqwalasela ingozi. Ngaloo ndlela, utyalo-mali olusisiseko kunye nolomnatha lubalwa ngokucokisekileyo kwaye lufundiswa ngabatyalo-mali abaqeqeshiweyo, ngenxa yoko bangayichaza ingeniso yabo kwingxowa-mali. Yonke inkqubo yoluphando ibangela ingxelo yokuba ubani unokufikelela kwisigqibo malunga nenqanaba lokutsalwa kwemozulu yotyalo - mali kweli lizwe. Ingaba yinto enhle, ebonisa inqanaba eliphumelelayo lophuhliso lombuso, okanye libi ukuba ilizwe linemeko yezoqoqosho okanye yezopolitiko engaqinisekanga. Kwimeko yokugqibela, utyalomali ulahla ukuxhasa iprojekthi ethile.

Ukongezelela, kufuneka kuphawulwe ukuba utyalo-mali obuthatyathelwano luhlala ixesha elide kwizoqoqosho loshishino ukuze kukhishwe inzuzo kumtyalo-mali kwaye kuphuhliswe ishishini kumnini walo. Kufuneka kwakhona kuthathe ingqalelo kwinqanaba lotyalo-mali, oluxhomekeke ekuphuhlisweni kwamasu okuvelisa, ukuzinza kwipolitiko kunye noqoqosho, ubukhulu beerhafu zorhulumente kunye neendleko, amanyathelo amanyathelo omthetho kunye nokunye. Ukususela ekuhambelaneni kwezi zinto zingentla, ukuzinza kwinqanaba lokutyalomali kuxhomekeke kulowo, ngokubanzi, umntu unokugweba ngemeko yezoqoqosho.

Utyalo-mali oluninzi lugalelo kwinkqubela-ntle yabemi, kuba ngenxa yolu mali lwemisebenzi emitsha ibonakala, ukuhlawula ngexesha elifanelekileyo ngexesha lomvuzo wokuncintisana, umgangatho wenkonzo kubemi, njalonjalo. Kuyaphawuleka ukuba ukuze kufezekiswe izinga eliphezulu lotyalo-mali, kuyimfuneko ukudala imfuno enzileyo yempahla ethile okanye iinkonzo, kodwa ngelo xesha, phantsi kweengxaki zezoqoqosho, imfuneko efanayo iyawa ngokukhawuleza. Ezoqoqosho, ukuxhomekeka kotyalo-mali kwixabiso kwakubizwa ngokuba "yi-paradox of thrift." Ngenxa yoko, utyalo-mali oluzimeleyo luya kuba nefuthe ekuncediseni uqoqosho lwelizwe kuphela ukuba lukwazi ukudala umlinganiselo othile wokufuna. Emva koko, akukho nto inokungabaza ukuba ngokusasazwa ngokufanelekileyo kwemali yotyalo-mali, zonke izinto ezifunekayo ziya kudala ukwenzela ukukhula okuzinzileyo kwemveliso kunye nokwandisa umsebenzi wabemi.

Ekugqibeleni, kufuneka kugxininiswe kwakhona ukuba ubunkokeli belizwe ngalinye kufuneka bajonge ngokukhawuleza izinga lokutsalwa kwemozulu yotyalo-mali, kunye nazo zonke iindlela ezifanelekileyo zokutsala kunye nabanomtsalo abanomdla. Utyalo-mali oluninzi luhlala luzuzisa urhulumente, nangona kunjalo, into ephambili kule nkqubo yonikezelo oluchanekileyo kwimimandla ephambili yomsebenzi.