Iyintoni ukuhlaziywa kwaye ihluke njani kumlinganiselo wokunyuka kwamaxabiso?

Kwimimandla yezemali, kusetyenziswa amagama amaninzi, amaninzi awo angaziwa kubantu abaninzi. Iindaba ezinokuthi zivame ukuvakala, igama elifana nokuhlaziywa, okubhekiselele kwimali yesizwe.

Yintoni ukuhlaziywa?

Inkqubo ekhokelela ekunciphiseni kwemali yesizwe ngokuchasene neemeko zamazwe angaphandle kuthiwa ukuhlaziywa. Ukuqonda okungcono oko kuthethwa yixabiso, makhe sibone umzekelo: inqanaba lokutshintshela i-ruble langoku i-dollar yi-$ 1 = $ 60, kwaye xa ukuhla kweRashiya kwenzeka, umlinganiselo uya kutshintsha kwaye ungayithandi i-ruble, umzekelo, i-$ 1 = 65 r. Kucacile ukuba ukuhlaziywa kwemali, oku kuhlaziywa kwemali, oko kukuthi, ngokwexabiso elifanayo lwemali yesizwe kungathengwa kwamanye amazwe.

Izizathu zokuhlaziywa

Kwiimeko ezininzi, inkqubo yokunciphisa ixabiso ngenxa yeenguqulelo ze-macroeconomic. Ukuhlaziywa kwemali kungavela ngenxa ye:

1. Ukwandisa ukuthengiswa kweentengiso ngokuthelekiswa nokuthumela ngaphandle, okubangela ukungalingani kwezorhwebo kwelizwe.
2. Ukunciphisa amandla okuthenga wabemi ngenxa yokunciphisa ukuboleka kweebhanki. Oku kunokwenzeka ngenxa yokungathembeki kumaziko emali okanye ukwehla kumgangatho wemvuzo.
3. Ukungena kwizinga lokunyuka kwamaxabiso.
4. Ukufumanisa ukuba yiyiphi ixabiso, esinye isizathu kufuneka sinikezwe - xa kuthengiswa ukungeniswa kweemali, i-currency yangaphandle ikhula ukuze ihlawule ukuzaliswa kwengxowa-mali, kuba ibhajethi yelizwe ibalwe ngamanye amaxabiso.
5. Imeko yezoqoqosho engaqinisekanga ibangela ukuba abantu abaninzi bazama ukuzisa i-kapal kwilizwe ngendlela yemali.

Ukuhlaziywa kuqhubeka njani?

Ixesha loqoqosho lisetyenziswe ukubonisa imeko xa imali yesizwe iwela ngokuthelekiswa nesantya sezimali zelizwe ezizinzile: idola okanye i-euro. Ingcamango yokuhlaziywa isenokuthi ithathelwe njengenye yezinto ezikhethiweyo kwiibhanki zesizwe ukulawula imali. Kwiimeko ezininzi, le meko ilawulwa. Ukufumanisa ukuba yiyiphi ixabiso, kuyakufanelekile ukuthetha ukuba kumazwe apho i-currency "iyahamba", inkqubo enjalo iyenzeka ngokuzenzekelayo kwaye rhoqo.

Iintlobo zokuhlaziywa

Kwimimandla yezemali, iindidi ezimbini eziphambili zeli qhamo zisetyenzisiweyo: zifihlwe kwaye zivulekile. Baza kuxoxwa ngezantsi, kodwa ngoku siza kunika ingqalelo kwingcamango efana nokuhlaziywa kwemali. Eli gama lisetyenziselwa ukuchaza ukulungiswa kweerhafu okujoliswe ekuvuseleleni iimpembelelo ezifanayo ezifunyanwa xa kuhlaziywa imali yesizwe. Ukuba sicinga umfanekiso oqhelekileyo weemeko, sithetha ukuncitshiswa kweerhafu ezichaphazela iindleko zemveliso, ngokukhupha irhafu ngokusetyenziswa kokugqibela.

Ukuhlaziywa okufihliweyo

Olu hlobo lusetyenziselwa ukuchaza ukuwa kwekhosi ngaphandle kwezimvo ezivela kurhulumente. Ngenxa yoko, amanani aphakama, kodwa akukho kuhoxiswa kwemali "eyongezelelweyo" ukusuka kwimali. Ukuwa efihliweyo kwisantya kunokuhlala ixesha elide. Ixesha elifihliweyo lokuhlaziywa kwemali lisetyenziswe xa kuyimfuneko ukunciphisa umphumo wesixa semali kazwelonke kwizoqoqosho. Ukuba ukulungiswa akukwenziwa ngokuchanekileyo, umngcipheko weengxaki zemali unyuke kakhulu.

Vula ukuhlaziywa

Xa usebenzisa lolu hlobo lwee-arhente zorhulumente yenza isitatimende esisemthethweni. Ibhanki ephambili icebo lokutshintsha ikhosi, kwaye loo nkcazelo ivulekile. Umgaqo wokuhlaziywa kololu hlobo kuthetha ukuhoxiswa kwemali "eyongezelelweyo", okunciphisa amaxabiso eempahla kunye neenkonzo. Ukuba imali ehlahliweyo ithathelwa indawo entsha, ke amaxabiso aphakama. Le nkqubo ayihlali ixesha elide, kwaye iiseyure ezimbalwa nje. Iinzuzo zolu khetho ziquka ukwandisa ukhuphiswano lwabathengiswayo, kunye nokunciphisa amandla - ukuhla kwamandla okuthenga, imiqulu yokutshala imali kunye nezinye iinkqubo ezihambelanayo.

Ukuhlaziywa kunye nenkonzo - umahluko

Enyanisweni, amagama anikezelweyo afana namagama kuphela. Ukuze uqonde umehluko phakathi kokuhlaziywa kunye nenkonzo, kuyimfuneko ukwazi intsingiselo yesibini, kuba okokuqala kwakukhankanywe ngaphambili. Ukuba sithetha ngolwimi olufikelelekayo, ngoko i-denomination iyimbuyiselo yemali endala kunye nabatsha abaneenkcukacha eziphantsi. Inkqubo enjalo inokuhlala kwiiveki ezimbalwa ukuya kwiminyaka. Siyabulela kwihlelo, kunokwenzeka ukuqinisa imali yesizwe, ukuphucula inkqubo yokuzinza nokunyusa imfuno yeempahla kunye neenkonzo.

Ukuhlaziywa kunye nokunyuka kwamaxabiso - umahluko

Amagama anjalo, ngokubhekiselele kwintsimi yabo yezoqoqosho, zinempawu ezininzi eziqhelekileyo, kuba kula mabini mathuba amandla okuthenga abemi. Ukucinga ngento yokuba ukuhlaziywa kwahluke kwixabiso lokunyuka kwamaxabiso, kubalulekile ukukhankanya ukuba kwimeko yokuqala, i-solvency iwa xa kuthelekiswa neemeko zamanye amazwe, kwaye okwesibini - ngokubhekiselele kwimakethe yasekhaya. Olunye umehluko kukuba ukunyuka kwamaxabiso akunakwenzeka ukulawula.

Iyintoni ingozi yokuhlaziya?

Inkqubo yokunciphisa imali yesizwe ingaba nemiphumo emihle nembi. Okokuqala, makhe sijonge ukuba ukuhlaziywa kukukhokelela kwinjongo efanelekileyo:

1. Kukho imfuno ekhulayo yezinto eziveliswa ekhaya.
2. Ukusetyenziswa kweendleko zelizwe zegolide kunye nezokuthengiswa kwamanye amazwe kunciphisa.
3. Ekubeni umthengisi uqhuba utshintsho lwemali kwizinga elihle kuye, ngoko kukho ukuvuselelwa kwezinto eziphuma ngaphandle.

Ukuqonda kakuhle le ngongoma, kubalulekile ukuqwalasela imiphumo emibi yokuhlaziywa:

1. Kwimakethi yasekhaya kukho ukwanda kwamaxabiso.
2. Iimveliso eziveliswa ekhaya ziya kufinyeleleka ngakumbi.
3. Abemi balahlekelwa ukuzithemba ngemali yesizwe, eyancipha.
4. Njengongeniso lwamaxabiso angeniso, ukungeniswa kwamanye amazwe kunqongophele.
5. Kukho iingxaki ezinzulu kumashishini anomsebenzi onxulumene nezinto eziveliswayo zangaphandle kunye neempahla.
6. Ukuxoxa ngesihloko - yintoni ukuhlaziywa, kubalulekile ukukhankanya elinye iphuzu elibi - kukho ukuhlaziywa kweediphothi kwilizwe likazwelonke.
7. Imivuzo kunye neepensheni ziyahla, ezichaphazela kakubi umsebenzi wokuthenga.

Ukunyuka kwexabiso kuya kuthintela njani imali-mboleko?

Xa kukho izinga lokuwa, abantu abaneemali-mboleko zemali yangaphandle bayahlupheka. Ukuhlaziywa kunye nekhredithi ebhankini zizinto ezimbini ezidibeneyo, ngenxa yokunciphisa izinga lokunyuka kwamaxabiso, okukhokelela kumaxabiso aphezulu kwimpahla kunye nemali-mboleko, kubandakanywa. Kubalulekile ukuqaphela ukuba intengo yemboleko iphuma ngokukhawuleza kunokuba i-ruble iyancipha. Isimo esinzima kunye nemali-mboleko yemali mboleko, njengoko ixabiso lexabiso lezakhiwo litshintsha. Emva kokuba imeko izinzile, iimeko zemboleko ziba nzima.

Yintoni enokuyenza ngokuhlaziya?

Kwiimeko ezinjalo, ukwethuka kubakho, kubangele abantu abazenza iimpazamo ezimbi kakhulu kwiimeko zabo zezezimali. Kwakukho ukuhlaziywa, yintoni enokuyenza kunye neentlawulo, apho ugcina khona imali kunye nezinye iingcebiso:

1. Musa ukuthenga imali xa iqala ukukhula ngokukhawuleza. Umntu ongekho iimeko apho umntu uceba ukuwugcina ixesha elide. Abaxhasi, ngaphandle kwe-euro kunye needola, batusa ukuba bakhethe ukhetho lwemali zesizwe zaseChina, eSwitzerland, eNorway, eJapan naseSweden, njengoko la mazwe anezoqoqosho oluzinzileyo. Kungcono ukugcina imali kwiimali eziliqela.
2. Kunconywa ukuba "nemithwalo yemali", eyenzelwe amaxesha anzima.
3. Ukuba kunokwenzeka, hlawulela yonke imali-mboleko, kwaye ayikhuthazwa ukuboleka imali entsha. Ukuba kukho iimali-mboleko zemali zangaphandle, kufuneka uzame ukwenza konke ukulungiswa kwakhona kwiiruble.
4. Ixabiso leempahla zesekhaya zikhula ngokukhawuleza, ngoko ke akunakuqonda ukutshala imali ekuthengeni kwayo.
5. Ukuqonda oko kukuxabisa, kuyafaneleka ukukhankanya ukuba kwimeko yokwahlukana kwemali, urhulumente uya kugcina iibhanki ezinkulu ngokuhlaziya, ngoko unokukhetha enye yemibutho yezemali ezinzile kunye nendawo apho idizithi yexesha elide kunye nenzuzo enkulu.
6. Ukutshala imali ngempumelelo ngexesha lokuwa kwekhosi, kuyimfuneko ukuseka kakuhle iphothifoliyo kwaye ube nesicwangciso esinokwethenjelwa, ngaphandle koko ungalahlekelwa yimali.
7. Ukuba umntu unemali engasayi kuyidinga ixesha elide, ngoko unokubatshala kwiitye ezixabisekileyo .
8. Esinye sezicwangciso ezibaluleke kakhulu asiyikuyikrokra kwaye kuhlolisise ngolu hlobo imeko. Ungathembeli ulwazi oluvelayo, kodwa rhoqo uhlolisise. Iingcali zengqondo zicebisa ngezihlandlo ezinjalo ukuba zibukele iindaba ezincinci kwaye zingabonakali izilwanyana kunye nabanye.

Indlela yokwenza imali kwixabiso?

Kwixesha elilukhuni kwilizwe awukwazi ukugcina kuphela ukugcina kwakho , kodwa ufumane. Into ephambili kukuba ukwazi ukuba ngubani ozuza kwixabiso, kwaye apho utyalomali ngokufanelekileyo.

1. Ukutyikitywa kweemvumelwano zesikhathi eside kunye nexabiso elincinci lempahla kunye neenkonzo. Ixabiso kufuneka liboniswe ngemali okanye ziboshwe kwizinga lokutshintshiselwa kwe-ruble ngexesha lokusayina i-securities. Ukuba inkampani yenza njengomthengi, ke kunenzuzo ukugqiba intsebenziswano kwi-ruble.
2. Iingxaki zenkxalabo kwezoqoqosho ziphumelele ukusekwa kweshishini elitsha. Kubalulekile ukukhetha indlela efanelekileyo, ukucinga nokubala yonke into.
3. Kubantu abanemveliso yabo, ukuhlukana okulandelayo kwimivuzo efanelekileyo kunokwenzeka: ukukhululwa kwemveliso emitsha enokuyincintisana neengeniso. Iingcaphephe zincoma ukubeka ingqwalasela kumaqela emarike, apho ishishini langaphandle liye laphuma khona, kodwa ngexesha elifanayo imfuno isele.
4. Iingcamango malunga nokuthengwa kwezindlu zangaphandle ngelo xesha iingcali zihluke. Ukuba uphendule ukhetho olunenzuzo, uze uphelelwe eli thuba - liyihlazo. Akunangqiqo ukuthenga izakhiwo zentengiso.
5. Ukuba umntu unemali ekhululekileyo, kufuneka ukuba ucinge ngokuthenga imali. Kunconywa ukuba kugcinwe imali evela kwii-akhawunti zemali zangaphandle.
6. Ngethuba lokunciphisa imali yesizwe, umntu kufuneka abuke kwizabelo, njengoko i-market market falls. Abaphandi bathi iingcali zeoli kunye neenkampani ze-metallurgical zi nethemba elihle, kuba zinenzuzo ngemali, kwaye ikhula ngexabiso.