Imisebenzi yemali kunye neentlobo zemali

Imali yindlela yokubonisa ixabiso lempahla neenkonzo ezikhoyo namhlanje kwihlabathi lethu. Le ncazelo isekelwe kwiingcamango zenani, eliqhelekileyo kwisayensi yehlabathi.

Omnye unokuphinda acinge ngenye ingqiqo, ngokwemali leyo yindlela efanelekileyo yokutshintshiselwa. Zinempawu ezimbini:

• zatshintshwe kuyo nayiphi na imveliso;
• banako ukutshintsha ixabiso le mveliso.

Ingundoqo yomsebenzi kunye neentlobo zemali

Ingundoqo yenkcitho yemisebenzi yawo eyintloko.

1. Ukulinganisa iindleko. Inqunywe ngokusebenzisa intengo yohlu hlobo lweempahla kwaye lilinganiswa ngokwemali. Njengemilinganiselo yamanani, imali iyakwenza njengamanani.
2. Indlela yokuhambisa. Njengoko uqonda, intetho yexabiso leempahla ayithethi ukuthengiswa kwayo kwimarike. Ngaphambili xa uqoqosho lungazange luphuculwe, imali yayinokutshintshwa kwemali ethile kwintlobo ethile yemveliso. Ngoku ngoku kuvela kwemali-mboleko, umsebenzi weendlela zokuhlawula ifikelele phambili.
3. Indlela yokuhlawula. Ingundoqo yale ngcamango kukuba ixesha lokuthengwa kweemveliso okanye iinkonzo akunakho ukuhambelana nexesha lokuhlawula kwabo, ekubeni ukuthengwa kungenziwa kwizitolimende okanye ngekhredithi.
4. Iindlela zokugcina nokuqokelela. Benza njengendawo yokugcina imali.
5. Imali yehlabathi. Yenzelwe ukusetyenziswa kumaziko ngamazwe.

Iintlobo zemali kunye neempawu zabo

Kukho iintlobo ezininzi eziphambili zemali.

1. Imali yangempela - ixabiso labo elikhethiweyo lihambelana nexabiso labo lokwenene, oko kukuthi, indleko yezinto ezivela kuyo. Apha sineengcinga eziqhelekileyo eziqhelekileyo zesesimbi, zegolide okanye zesilivere. Inkalo yemali yangempela ukuzinza kwabo, okuqinisekiswa ngayo ngokukhululeka kweempawu zexabiso lemali yegolide.
2. Abaxhasi bemali yangempela -isamba sabo xabiso sokhetho liphezulu kuneyona yinyani, oko kukuthi, intengo yabo ilingana nentsebenzo yoluntu esetyenzisiweyo kwimveliso yabo.

Ingundoqo kunye neentlobo zemali yanamhlanje

Iimpawu zanamhlanje-ezi zizinto eziphathekayo ezivumela ukuba sithenge iimpahla kunye neenkonzo kwihlabathi lanamhlanje. Kungekudala, imali ye-elektroniki ifakiwe kule fomu. Zigcinwa kwiifowuni zekhompyutha kwaye zivumela abanikazi babo ukuba bahlawule ukuthenga kwabo kwi-intanethi.

1. Iphepha lePhepha - abameli bemali yangempela. Zenziwe ngamaphepha akhethekileyo kwaye zikhutshwa likarhulumente, okanye kunokuba igosa likarhulumente lihlawule iindleko zazo.
2. Imali yemali-mboleko-yabonakala malunga nokusebenza kwemali ngumsebenzi weendlela zokuhlawula, ngelixa ukuphuhliswa kobudlelwane bemali yempahla, ukuthengwa kunye nokuthengiswa kwaqala ukuhlawulwa ngeentlawulo okanye kwi-ngetyala. Ngamanye amazwi, le yimali enokubholwa kwi-bhanki okanye ezinye izakhiwo zemali. Inyaniso kukuba, ngenxa yomdla wokulahla amatyala athatyathwe ngale ndlela kuya kuba nzima kakhulu.

Iintlobo zemali - yimali yemali kunye neebhanki, ngamanye amazwi, imali onokuyibamba ngqo kwaye uyihlawule esitolo.

Iintlobo zemali yamaphepha

Iphepha lePhepha limelelwe kwakhona, njengoko sele likhankanywe ngaphambili, ngendlela yeebhanki. Zininzi iintlobo zemali yamaphepha, phakathi kwazo zi:

• Yurophu;
• Rubles;
• IiDola;
• Iipounds ezimnandi, njl

Imali yePhepha ineemisebenzi emibini:

• iindlela zokuhambisa;
• iindlela zokuhlawula.

Iintlobo zemali ezinokukhubazeka

Imali ephosakeleyo ngumqondiso wexabiso. Balahlekelwa yimpahla yabo kwaye abanalo xabiso lwangaphakathi. Ngokungafani nempahla yeemali, izinto ezinjalo eziphathekayo azikwazi ukusetyenziswa kwizidingo zabathengi. Nangona kukho iindleko ezinkulu ezifuna ukuveliswa kwemali yonke engaphantsi kwemali, iindleko zemveliso, nganye yunithi yephepha yamaphepha ayibalulekanga ngokupheleleyo, kwaye ngenxa yendlela engenakulinganiswa nokuthelekiswa kwayo nenani layo.

Ngoko, sijonge iindidi zemali nemali, kwaye njengoko kuvela ukuhlelwa kwazo akulula kangangoko kubonakala ngathi ukujonga kuqala. Omnye unokuthi ngokuqinisekileyo yinto enye kuphela: "Ihlabathi linabo abanemali."