Kuyaziwa ukuthi kunokutshalwa kwezimali okuqondile nephothifoliyo. Kepha umehluko muni phakathi kwale miqondo? Ake sizame ukuthola la magama futhi siwachaze nje.
Uyini umehluko phakathi kokutshalwa kwezimali okuqondile nephothifoliyo
Lapho lo mbono wokutshalwa kwezimali ebhizinisini wawuphathelene nalokhu: Umnikazi ngamunye noma umqondisi waphupha ngokuthola umxhasi wakhe, owayezonikeza imali futhi akazange abuze ukuthi bakhona ekugcineni.Lokhu, kunjalo, ihlaya, kepha ngengxenye yeqiniso. Ngokuqonda okungokoqobo, ukutshalwa kwezimali okuqondile kungukutshalwa kwemali okunjalo, lapho kungashiwo umtshalizimali, iba yingxenye ebalulekile ebhizinisini nasezimangalo zokubamba iqhaza ekuphathweni kwayo. Okungukuthi, imali esetshenzisiwe, uyabuza, futhi ilawula inqubo uqobo.
Hhayi njalo ukuhweba okuqondile kwenziwa ngemali. Isibonelo, i-COCA-Cola ibeka uphawu kanye nezindlela zokupheka ku-Joint Ventures. Kanye neMcDonalds, ukuvula izindawo zokudlela ezintsha, kuthuthukisa ubuchwepheshe bawo bokudla okusheshayo.Njengoba sekuvele, mhlawumbe, ukutshalwa kwezimali okuqondile kungumuntu ngamunye. Imvamisa sikhuluma ngelungiselelo eliqondile phakathi kwalabo abanikeza imali nebhizinisi. Kungashiwo ukuthi ukutshalwa kwezimali okuqondile ukuhlanganyela ngqo komtshalizimali kuphrojekthi.
Ngokutshalwa kwemali ngqo, sisebenzelana ngokoqobo kuzo zonke izinyathelo. Ake sithi umakhelwane wanquma ukuvula i-workshop yemoto noma i-Tireage elula, wacela imali, futhi isilungele, lowo owabanila waba umtshalizimali oqondile ezimeni ezithile.
Cishe wonke amabhizinisi amakhulu azayo aqala ngokuthile okuncane, okuvela ezitebhisini zokuqala. Ngokuqondene nesibonelo, i-apula ne-μrosoft yaqala egalaji, futhi i-Facebook naku-Twitter kuse ehostela labafundi. Kwezinye izigaba, zonke lezi zinkampani ezincane zaheha ukutshalwa kwezimali okuqondile. Futhi-ke bakhulela futhi baba ngabaholi bemboni yabo.Into ethakazelisa kakhulu ukuthi labo bantu abaseduze nobani abakwazisa ngalo mbono ngesikhathi, baba yizigidigidi, benza kahle ukubheja. Le yimali enkulu kunazo zonke esikhathini sethu - ukuba sesikhathini esifanele futhi endaweni efanele, tshala imali kuMholi Wezimboni ezesikhathi esizayo, rekhoda yalabo noma ezinye izinto ezintsha eziguqula izimpilo zethu.
Ukutshalwa Kwezimali Kwephothifoliyo
Ukutshalwa kwezimali kwephothifoliyo futhi kube nzima ngokwengeziwe, futhi ngasikhathi sinye, kulula kakhulu kunokutshala imali ngqo. Kwenziwa ngesigaba samuva sokuthuthuka kwebhizinisi, lapho kuheha imali ngokulungiswa kwayo sekuthunyelwe, kungashiwo ukusakazwa, futhi ubudlelwano nabadobi balinganiswa.
I-prospectus yodaba lwamasheya luhlobo lwesivumelwano esijwayelekile esihlangene ekuheheni imali. Bonke labo abathenga iphepha elenziwe bathola amalungelo afanayo.
Iphupho lokuphathwa kwebhizinisi liyaliqiniso: ziza abaxhasi abanikeza imali futhi ngokungaqondile bangathonya okwenzekayo. Bese ubuza ukuthi iyiphi imali esetshenzisiwe esetshenzisiwe, cishe ayikwazi yini nhlobo. Lokho ukuvota yi-ruble - ukuthengisa ukuphepha uma bengeneliseki ngokuphathwa kwebhizinisi.
Ukuthenga amasheya ajwayelekile kunikeza abatshalizimali ilungelo lokubamba iqhaza ekuphathweni kwebhizinisi ngomhlangano jikelele wabaninimasheya. Kepha akunakwenzeka ukuthi kuthakazelise ngempela kunoma ngubani. Okungenani inqobo nje uma amaphiko akhona akhona ngezibopho zawo.
Kepha lokhu akusho ukuthi abaninimasheya nakancane abathinti inkampani. Uma inkampani isebenza kabi, amasheya akhe ashibhile, othile uza ezothenga lonke ibhizinisi, ethola izibambiso emakethe. Futhi le yindlela eqondile yokufaka esikhundleni hhayi ibhukwana elifanele.Imvelo yokutshala imali eqondile nephothifoliyo
Imvamisa umngcele ocacile phakathi kokutshalwa kwemali okuqondile nokuphothifo kungenzeka angabi khona, futhi uhlobo olulodwa lokutshala imali luyakwazi ukugeleza kwelinye.Isibonelo, ngesikhathi sezinkinga, njengoba bekunjalo ngo-1998 eRussia, ukuphepha okuningi kwe-echelon yesibili kulahlekelwa yimali engenalo. Futhi-ke, abadlali be-Stocy bazokwatala noma ama-unillet baphenduke babe nabanikazi be-portfolios, kubathengisi - kubatshalizimali abanamasu. Iningi lazo lahlalisa izindawo eBhodi Yabaqondisi.Inketho yokubuyela emuva kungenzeka uma isabelo sabatshalizimali bokuqala sifiphala kakhulu ngezinkinga ezintsha. Futhi lokhu akuyona into embi njalo.
Cabanga ukuthi othile ngesikhathi esisodwa usetshale amadola ayinkulungwane kumasheya eNtsha, kamuva eyaba i-Google efanayo. Mhlawumbe ekuqaleni, le mali yayicishe ibe yingxenye yalo lonke ibhizinisi. Futhi-ke, banikeza amalungelo athile okulawula nokuphatha inkampani.Kancane kancane, izinkampani ziheha abatshalizimali abasha nabasha. Kepha akunakwenzeka ukuthi ungawathandi ama-odobi okuqala, ngoba ngamagama wezimali, isabelo sawo siyakhula futhi. Ungacabanga ukuthi kungakanani uhhafu noma okweshumi, noma inani elikhulu lemali egunyaziwe le-Google namuhla. Ingabe kufanelekile ukukhathazeka ngesabelo sakho ngemali enjalo?
Ubungozi nokwenza inzuzo
Ukutshalwa kwemali okuqondile kungaletha inzuzo ephakeme kakhulu, kepha kuhlotshaniswa nobungozi obukhulu. Ukutshalwa kwemali kwephothifoliyo kungathengisa kalula ekushintshanisweni kwesitoko, phuma esimweni, ukunciphisa umonakalo uma kukhona okungahambanga kahle. Ngaphandle kwalokho, isimo sitshalomali ngqo. Thengisa isabelo ebhizinisini akulula kangako. Futhi uma ibhizinisi lingenanjongo, kuvame ukunganakwenzeka nhlobo.
Ekutshalweni okuqondile, abantu bathola futhi abangamaphesenti angama-20, kanye namaphesenti angama-30 ngonyaka, futhi nangaphezulu, uma, okubizwa ngokuthi, bawela esitokisini segolide. Kepha ngasikhathi sinye ungalahlekelwa yikho konke okutshaliwe. Ngokuvamile kwamukelwa ukuthi bakholelwa ukuthi cishe amabhizinisi amasha ayishumi avale unyaka wokuqala wobukhona bayo.Ukuvikelwa okuthile kochwepheshe abavela kulokhu, ngqo, hhayi izibalo ezihlaba umxhwele - hhayi kuphela ukuhlolwa kwamaphrojekthi, kepha futhi nokuguqula iphothifoliyo. Lapho kungenjalo, kepha amabhizinisi ayishumi akhethelwa okunamathiselwe, khona-ke ithuba lokulahlekelwa yikho konke futhi ngokushesha ngezansi. Futhi iqiniso lokuthi kulokhu kutshalwa kwemali okuqondile kwechibi lizosebenza, kufanele ekugcineni lihlanganise izindleko ezihambisana nokuphuthelwa kanye namaphutha.
Lolu hlobo lwebhizinisi, okungukuthi, ukubandakanyeka kwezimali nokutshalwa kwezimali emabhizinisini asemasha, ochwepheshe bokutshala imali bazibandakanye ekuphathweni kwezimali eziyinhlokodolobha.
Ungayithola kanjani?
Ngokusemthethweni, ukuze uhlanganyele eRussia ukuze uhlanganyele ekutshalweni kwemali okuqondile okuphezulu, ukutshala imali ezimalini ezikhethekile - kuyadingeka ukuthola isimo somtshalizimali ofanelekayo. Lapho-ke ukuthengwa kwezimali ezihambisanayo zezikhwama zebhizinisi kanye nezinye izibambiso zizotholakala.
Kepha udinga ukuqonda ukuthi lawa akuwona amagama angenamsebenzi. Isimo siyadingeka ukuze uqiniseke ukuthi umtshalizimali uyazi futhi uyakuqonda lokho. Ngoba ukutshalwa kwezimali okuyinhloko-shipture kuhlotshaniswa nobungozi obuphezulu.Ngakolunye uhlangothi, ngaphansi kwesikweletu salo, wonke umuntu angasho, njengoba sekushiwo, ukuvimba imali kumakhelwane avule insizakalo yezimoto egalaji ngokuhlukile, futhi futhi izoba yimali ngqo.
Ukuze uhlanganyele ekutshaleni imali kwephothifoliyo, uzodinga ukuvula i-akhawunti yabathengisi bese uthola ukufinyelela ekuthengisweni kokushintshana kwesitoko. Kepha ukhiphe amadokhumenti adingekayo kanye, umtshalizimali uthola izinzuzo ezingenakuphikwa: ukutshala imali kanye nokukhipha imali kulula ngokuphelele. Ihlala kuphela njenganoma yiliphi ibhizinisi, ukwenza izinqumo ezifanele zokutshala imali.