Izixhobo zezemali azikho naziphi na izivumelwano eziphakathi kweenkampani ezimbini, ngenxa yokokuba elinye ishishini lifumana iimpahla zezimali (enye imali), enye-ityala lezimali okanye ukuzibophelela kokulingana. Kubalulekile ukuba uqaphele ukuba olu hlobo lwezixhobo luhlukaniswe zibe zombini oluchongiweyo kwibhalansi kwaye alubonakalwanga.
Ukongezelela, izixhobo zemali zinika ingeniso eyongezelelweyo, ngamanye amagama, ziindlela zokutyalomali .
Iintlobo zezixhobo zemali
- Izixhobo zaseprayimari okanye zemali. Kufuneka zibandakanye izivumelwano zokuthenga kunye nokuthengiswa, ukuqeshiswa kwemali, ukuthengisa impahla, ukugqiba izinto zokuvelisa, iimveliso.
- EziSekondari okanye iziphumo. Kule meko, into ephambili yesixhobo semali yinto ethile. Bangaba nezabelo, izibophelelo okanye naziphi na ezinye iziqinisekiso, ikusasa, nayiphina imali, isalathisi sesitokisi, isitye esinqabileyo, inkozo nezinye izinto. Kubalulekile ukubalula ukuba intlawulo yezixhobo zemali zesekondari zixhomekeke ngqo kwixabiso le-asethi ephantsi. Iyokugqibela yintengiso yexabiso kunye nexabiso layo sisiseko sokwenza isivumelwano sexesha elide.
Izixhobo zeMali
Kukho inamba enkulu yezixhobo zemali. Akuyi kuba yinto engabonakaliyo ukuba ungabalulekanga eziphambili:
- utshintshiselwano sisivumelwano esenza ukuba iinkampani zitshintshe impahla kunye nenjongo yayo ephambili kukunciphisa kuphela iindleko zeenkonzo, kodwa kunye neengozi zala mabini mabandla;
- Isivumelwano saso sivumelwano sokuthengwa nokuthengiswa kwento, ngelixa isivumelwano sinemilinganiselo ngokwemali yempahla kunye nomgangatho wabo, ngelixa ixabiso lempahla lihlawulwa ngumthengi emva kokufunyanwa;
- ukhetho - isivumelwano esichaphazela ukuthengwa okanye ukuthengiswa kwexabiso lexabiso lexabiso kwixabiso elikhethiweyo kunye nexesha elifanelekileyo, kunye neendlela ezikhethiweyo zingabakho kwixesha elizayo, amasheya, njl.
- ixesha elizayo luhlobo
inkontileka phambili kwaye iyaqhelekileyo kuzo zonke iintlobo zezentengiselwano (okwangoku eyaziwayo kakhulu yi-Forex), ulwazi malunga nokuhlaziywa kwansuku zonke kwiphephandaba.
Ukuzuza kwezixhobo zemali
Ngoncedo lwezixhobo zemali, unokufikelela ezi njongo zilandelayo:
- ukuqokelela utyalo;
- ukunciphisa ubungozi (ukugoba);
- ukwenza inzuzo yesikhashana.