Kunezindlela eziningi zokugqugquzela umnotho wezwe. Kubalulekile ukucabangela izici eziningi futhi ungaphutha. Enye yezinto eziphumelela kakhulu ukwandisa imali engenayo emkhatsini wemali. Ngalolu hlelo ngeke kwenzeke kuphela ukuthuthukisa isimo sezomnotho ezweni lonke, kodwa futhi ukukhishwa kwamanani amabhange amasha, esikhundleni sokulimala.
Iyini inkinga yemali?
Ukukhishwa kwemali ukukhululwa kwamanothi amasha okuhambisa mahhala. Inkinga enjalo yemali yenziwa nguhulumeni futhi ilawulwa ngumthetho. Lo msebenzi kufanele wabelwe yiziphathimandla zikahulumeni phakathi kwebhange eliphakathi ne-treasury. Owokuqala ukhipha imali yesikweletu - amabhange asebhange (ama-banknote). Okwesibili ukhiphe amathikithi okubaluleka okukhethekile, kanye nezinhlamvu zemali. Phakathi kwezinhlobo eziyinhloko zokukhishwa yizi:
- Ukukhishwa kwezikhwama zezikweletu - ama-banknote.
- Idiphozidi-isheke.
- Amasheya.
Iyini inkinga yemali?
Le nqubo, njengawo wonke umuntu, inemisebenzi yayo. Ngakho-ke, ukukhishwa kwezimali okuhlosiwe kwenziwa ukuze kukhishwe ama-banknotes asuswe futhi kuvuselele umnotho wezwe. Ngenxa yenkinga yezibambiso, inkampani ingakwazi ukwandisa ukukhiqizwa kwayo, ukuyivuselela, noma ukuxazulula ezinye izinkinga, njengemithombo yezinto ezengeziwe ezibonakalayo. Noma kunjalo, kubalulekile ukuqonda ukuthi inkinga yamasheya amasha afika emakethe, kunokuba isakazwe phakathi kwabaphathi bekampani, kunciphisa ingxenye yabanikazi bokuqala bamasheya.
Inkinga yemali - izinzuzo nezindleko
Inqubo enjengokuthi inkinga yemali ayinzuzo nje kuphela, kodwa nemiphumela yayo emibi. Kubalulekile ukukhumbula ingozi yemali. Ngakho, ngenxa yale nqubo, amandla okuthenga imali angancipha. Lokhu kungukuthi, singasho ukuthi ukukhishwa kwemali kuholela ekukhuleni kwemali. Phakathi kwezinzuzo zokukhishwa kwemali:
- Inkampani yesikhundla.
- Ukukhuthazwa komnotho wezwe.
- Ukwandiswa okunokwenzeka kokukhiqizwa kwebhizinisi noma inkampani.
Ubani oqhuba inkinga yemali?
Inqubo ebalulekile yezimali yinkinga yemali kuphela ngamabhange asezindaweni zombuso. Ukukhishwa kwama-banknotes amasha kanye nemali esetshenziselwa ukusakazwa kungukuthi kuthathele izikweletu ezingafanele noma ukuthuthukisa isimo sezomnotho. Ingqikithi yokukhokha okungewona ukheshi kuyinkokhiso yokukhishwa kwamasheya, okungenziwa ngamabhange ezentengiselwano. Ezimweni eziningi, ukukhishwa okungewona ukheshi kusho ukukhipha isikweletu kumabandla kanye nabantu ngabanye.
Ukukhishwa kwemali kanye nezinhlobo zayo
Kukhona izinhlobo ezinjalo zemali:
- I-Cash - ihlotshaniswa nokwenyuka kokuthengwa kwezimpahla ngamanani, ngoba imali ingaba nezinqubo ezimakethe ezikhethekile.
- Imali engekho-imali - yenziwa ngokubonga imali ekhishwe kuma-akhawunti wabathengi bamabhange okuhweba ngendlela yokuboleka imali.
- Ukukhishwa kwesabelomali - kuhlotshaniswa nokukhishwa kwamanothi okubaluleka okukhethekile kanye nokugcinwa kwezimali zikahulumeni ngenjongo ethile yokuxhasa imali yezimali zesabelomali.
- Ukukhishwa kwezikweletu - kuhlotshaniswa nokwamukela izimali zezikweletu ngenkathi yenqubo yokuboleka imali.
Ukukhishwa kwemali engekho imali
Le nqubo yezomnotho yanda inani lemali kwi-akhawunti yasebhange ngemuva kokusebenza okusebenzayo yizikhungo zezezimali. Le nqubo maqondana nokheshi iyinhloko. Ukukhishwa kwemali okungewona ukheshi kwenziwa ngamabhange akhipha imali kumakhasimende lapho kunemali kuma-akhawunti asebhange. Ngesikhathi esifanayo, izimali ezingekho ukheshi zibhalwa kuma-akhawunti wekhasimende ngenani le nkinga.
Imvelo eyodwa yemali kanye nezimali ezingekho-cash zikwazi ukulungisa ubumbano nokuhlangana kwezinqubo zokukhishwa. Ezweni lanamuhla, izinhlobo ezimbili zokukhishwa ziyi-credit nature. Ngamanye amazwi, izinkokhelo ezengeziwe zokukhokha, kungakhathaliseki ukuthi zifomu lini, zingangenela ukujikeleza ngesisekelo sokuthengiswa kwezikweletu ezithile.
Inkinga ye-Cash
Le nqubo iqondwa njengokukhululwa kwemali ekusakazweni, okumele kwandise inani lemali ekusakazweni. Ukukhishwa kwemali kwenziwa ngamabhange asezindaweni zombuso. Kubalulekile lapha hhayi kuphela ukusungula usayizi wokukhishwa okufakiwe, kepha futhi ukusabalalisa kulo lonke izwe. Inkambiso yokukhipha imali ngokuvamile ivamile.
Ngenxa yokuthi isidingo sezikhungo zezezimali ezithengiswayo ngokwezimali zixhomeke ekudingeni ukuthi akuzona kuphela ezomthetho kodwa futhi kubantu ngabanye, kuyashintsha. Ukudluliswa kwemali kusuka kokungewona ukheshi, okuku-akhawunti ye-deposit futhi ngesikhathi esifanayo kuyingxenye ebalulekile yokugeleza kwemali okudalwe amabhange ezentengiselwano ngenxa yomsebenzi we-multiplier ebhange.