Uzinzo lwemali yenkampani

Inyaniso yokuba uzinzo kwezemali ezifana nendlela ukubonelela ngayo ngaxa lithile ixesha, ucinga yonke indoda eyomeleleyo. Kanye imibuzo efanayo nto kujoliswe kwabaphathi beenkampani ezinkulu nezincinane kunye noosomashishini ngamnye. Imbali lobudlelwane kwezoqoqosho ubonisa ukuba ukuvela kunye nophuhliso yenkqubo mali ezenzeka ngaxeshanye kunye nophuhliso zobugcisa. Imidlalo bacebisane okanye nobudlelwane zorhwebo ziqhutywa ukusuka kudaladala, kodwa inkqubo zemali wabonakala ambalwa eminyaka eyadlulayo.

ubugcisa obutsha, nemveliso ngakumbi ukuvumela ukwandisa umthamo yempahla yabathengi. Ngenxa yazo zonke ezi nkqubo na indlela ebaluleke ukwabiwa ubutyebi. Isixhobo iphambili kule meko yimali. Naye, kunye iimpawu yeebhanki imali zisebenze. Kumashumi eminyaka akutshanje, kukho imeko xa uzinzo zemali yebhanki limisela kwimpilo-ntle kumashishini ezininzi kwiinkalo ezahlukeneyo. Iifektri ezivelisa iimpahla, kwakunye neenkampani yorhwebo ukuphumeza kuzo, gcina zabo izibonelelo zemali kwi-akhawunti yebhanki.

Ukuze ube ngqo ngakumbi ukuba uthi ukuba iibhanki bakhonza la mashishini. imisebenzi yabo ziquka ukugcinwa kwezibonelelo zemali kunye ukudluliswa mali inikwe dilesi ekhankanyiweyo ngumxhasi. Kolu luhlu zingadityaniswa intlawulo-mali kunye nemali ezahlukeneyo inshorensi, ulawulo lwemali, nokukhutshwa amakhadi zeplastiki kunye nezinye iinkonzo. Ukuba ujonga kwi kakuhle kwenkqubo, uzinzo lwemali nasiphi na isakhiwo ishishini ukuya elithile kuxhomekeke ukusebenza ezinzileyo zeli ziko. Kakade ke, akukho ibhanki yorhwebo akanguye unobangela -nkqubo yezemali abantu abancedwayo.

Kwangaxeshanye, ukusebenza eminyaka yokugqibela yeengxaki zemali ehlabathini jikelele iye yabonisa ngokucacileyo ukuba uzinzo kwezemali iinkampani yokuvelisa ixhomekeke kwindlela yogcino izinzile. Njengalo naluphi na market isakhiwo, i-Bank ibandakanyeka kwimisebenzi yorhwebo. Its njongo - nzuzo. Kwaye le nzuzo efanayo izisa abathengi. Enye uhlobo iinkonzo zokuhlala kunye nemali neenkonzo. Ezinye iimali-mboleko, kunye mboleko. Kulo msebenzi, njengoko nayiphi na enye, uye iingozi zayo kunye nobunzima.

Okwangoku, abanye iibhanki kufuneka umsebenzi kuyingozi kakhulu. Umzekelo, ukwenza mboleko kubathengi ngaphandle kokuhlola creditworthiness zabo. Ngoko ke ngo-2008 eUnited States. Mboleko banikwa wonke. Ke kaloku kwathi ukuba inxalenye enkulu imali ekhutshwe ayikwazi ibuyiselwe, ngoko iibanki ubunzima ilahleko yaye abanye babo baba phezu kwala kancane ungonakala. Ngoku kufuneka ukuba wathi uzinzo kwezemali kwishishini - eli lithuba lakhe nangaliphi na ixesha ukuhlawula nezibophelelo zawo.

Ziziphi Izibophelelo nabo mihla, nto leyo ibandakanyeka ukuvelisa izinto zokwakha? Enye yezinto eziphambili - kukuhlawulwa kwangethuba umvuzo ukuze abasebenzi. Emva koko ke kufuneka bahlale kunye nabathengisi zemathiriyeli ekrwada kunye namacandelo. Emva koko, ngokuba ngamandla yombane osetyenzisiweyo kwaye namandla thermal. Kwaye uluhlu izibalo kuyaqhubeka. Ngoku cinga indlela inkampani ukuhlangabezana neemfanelo zalo, ukuba ibhanki uyekile ukusebenza? Impendulo izicacele - akukho ndlela. Yonke imali egcinwe kwi-akhawunti yeziko, ekhutshwe kubaboleki abatshonileyo iBhanki ukuba ukulahla nto.

Lo mzuzu yangoku zembali luphawulwa yokuba uzinzo kwezemali, nkqu iinkampani ezininzi ezinkulu kakhulu ixhomekeke kakuhle indlela inkqubo yezimali xa iyonke. Kwakhona kubalulekile ukuba ibhanki ethile, nto leyo iinkonzo yinkampani okanye entrepreneur ngamnye. Iingcali bacebisa ukuba kufuneka izixhobo yoyilo in kwiibhanki zorhwebo ezahlukeneyo. Kwaye kunqweneleka ukuba omnye wabo iye yasekwa ngurhulumente. Ezi iibanki asebenza kuzo zonke iingingqi ngempumelelo.