Imali medium kwegazi

Mayelana imali medium bambalwa kakhulu abantu ungasho okuthile stroke. Yiziphi e ungenza okufanayo? Iyini imisebenzi abasenzela kusukela lo mbono? Yini izigaba zezomnotho bakwazi ukuthonya? Nansi ingxenye yohlu nezindaba okuzoxoxwa ngayo kulesi sihloko.

ukuqokwa

Ake sicabangele ukuthi ikhambi iwukuba isikhalazo. Ngakho sikubiza umsebenzi, lapho imali (D) - umlamuleli e ukuthengiselana kwempahla (T). Lokhu kuqinisekisa ukuthi sikhalo sabo. Kulokhu, lo msebenzi isebenza ngale ndlela: T-DT. Ukuze uqhathanise, enana libukeka T-T. Ngenxa imali, lokhu baye bathi sebeshintshe ngokuphelele lezimpahla ithola izinga entsha: ihlukaniswe yaba izinqubo ezimbili, okuyinto ahlukanisiwe elinye kwelinye: ukudayiswa kanye lokuthenga. Futhi abaningi ngokuvamile nanku umbuzo: kanjani lokhu? Siyeza esitolo, indoda akubi ephathini kubo kanyekanye? Cha, lokhu kokuqala kuyadukisa.

Yamadivayisi nokuthenga

Masenze ukuhoxa futhi silalela lezi izinqubo, ukuze ukuqonda kangcono imali njengoba osebenzelana. umuntu Okokuqala isebenza futhi yakha umkhiqizo ojwayelekile noma isevisi ethile. Ngoba yena uthola ethile lwemali. Ngakho, kuqala Uhlanganyela inqubo, okuyinto ekuqaleni etholwe ukuthengisa yomshikashika wabo. Eveza ubufakazi balokhu umuntu uthola amayunithi yemali. Khona-ke uyahamba esitolo, lapho ukuthenga ukudla abo nezinye izinto eziyizidingo, befuna kusukela bokuthi ufanelekele ukuthola kwabo. Umdayisi has izimpahla noma ohlinzeka ngomsebenzi futhi ukuze baziphilise, uthengisa umkhiqizo wawo. Le ncazelo, yebo, lula, kodwa nokho kubhekwe njengento isibonelo esilula.

Ukuqala kokusetshenziswa the yokuguqukela kwesinye isimo lezimpahla

Ngakho, siyaqhubeka ukukhuluma kanjani ukwenza umsebenzi medium imali. Okokuqala, ake sigxile ngempahla. Lapho ngokugcwele iqalise lezimpahla baye bathi sebeshintshe ngokuphelele. Phela, zombili izinhlangothi bafinyelele imigomo yabo yokusebenza - ukwamukela kudingekile Umbuso value. Nakuba imali - ngezinga elithile value, isangoma zokwenana, futhi ukusetshenziswa kwazo kusho ukuthi noma yimuphi umnikazi we izimpahla kungazange kufinyelele umgomo walo. Kunamathuba amahle, kodwa uma luzoqala - ke umbuzo omkhulu. Futhi, kukhona ingozi ukuthi umdayisi ngeke ukuthenga lutho ngesikhathi yesibili, futhi baye bathi sebeshintshe ngokuphelele lezimpahla akuthathi indawo. Ungaba njengekhampasi izimfanelo ukudayisa kungenzeka nobukhulu bale nkinga. Nokho ngenxa yokuthi ukuthi baye bathi sebeshintshe ngokuphelele lezimpahla sehlukaniswe izinqubo ezimbili ezihlukene, zikhona ezinye umehluko wemisindo nemiqondo yamagama omuhle eziphakamisa iwusizo lamasu. Yithi laba manje, futhi sibheke.

Imali medium kwegazi / ngempahla: izinzuzo

Uma sithola imininingwane, kungaba kwenzeke ukuletha eziningi amaphuzu. Kodwa isihloko ulwazi abangu ngokufingqiwe. Ngakho-ke, siphakamisa yazi nge amaphuzu amathathu, elibonisa izinzuzo main:

1. Kukhona kungenzeka uyephuza imali, okuholela enqwabelanisa ukubaluleka injalo ngokuphelele. Nale ukukhiqizwa enwetshiwe, okuyinto kungaphezu exchange elula kwezimpahla. Lokhu, kunomthelela omuhle kwezomnotho.
2. Kwavala imikhawulo ewumngcingo okuyinto ngempahla. Ngakho, abanikazi izimpahla naye, zikhona ezinye izinkinga nokwenza. Baqamba amanga e yinkimbinkimbi ukukhethwa imikhiqizo adingekayo, kanye nobungako yayo. Ngakho, ngokwesibonelo, ungase ushintshe wensimbi ukhamba esikhwameni okusanhlamvu. Kodwa afuna owawukulo 100 kg, futhi abantu bakhona 75. kuphela Nokho ukuvumelana kuyotholakala, kuzothatha isikhathi esiningi. Futhi lapho saba nemali - medium exchange / yokukhokha. Siyabonga kubo, singakhetha izimpahla ezidingekayo njalo okunye. Le ndlela yokwenza ikuvumela ukukhuthaza ukuncintisana phakathi abakhiqizi ehlukahlukene.
3. Imali kusivumela ukudlulisa yethu amandla okuthenga nezinye izimakethe noma lihlehliswe kubo lekusasa. Ngokuvamile, ungasebenzisa kubo nganoma iyiphi injongo ofiselekayo. Ngalesi ke inkanuko yobulili ukuthuthukiswa umsebenzi ebhizinisi, ngcono ubudlelwane emakethe futhi kukhona nezinye izindawo eziningana lapho ukhuluma ngezici ezinhle.

Njengoba ziqondakala izindlela?

Ziyakwazi samuntu wangempela value exchange. Ngakho, umdayisi unika izimpahla, futhi ukubuya uthola kusuka imali umthengi. Qaphela ukuthi ayibalulekile ngayiphi indlela tiniketwe! Ngakho, imali ingaba egcwele (isiliva negolide zemali), imali engamaphepha, ngesimo amasheke, izikweletu kanye nokunye. Into ebalulekile ukuthi imali - kuyindlela yokwelashwa. Yokukhokha yalolu hlobo kuqinisekisa ukudlula izimpahla noma amasevisi kusuka umkhiqizi kumthengi, okwathi ngemva kwalokho aphume kwenkululeko exchange. Kodwa imali siyaqhubeka iqhaza ke!

ukuxhumana

Ngakho, imali iyithuluzi kwegazi futhi basize ekumiseni nokubambisana. Kulesisimo-ke, kufanele kuqondwe ukuthi ezithile mass yabo ihlale ejikelezayo. Yena umelana ubuningi kwezimpahla namasevisi lingathengiswa emakethe. Okungcono kakhulu, uma ucabangela lokhu ubuhlobo nganoma isiphi isikhathi kuyabonakala ukuthi nenqwaba imali nenani amazinga okungenani zilingana. Uma sicabangela isimo e isikhawu ezithile, kuba more xaka. Ngakho-ke, kuyinto efiselekayo ukuthi inani lemali, okuyinto manje kwegazi, lemali kade lingaphansi kuka intengo izimpahla ithengiswe. Lolu khetho ikuvumela ukuba sikhulume ngemisebenzi kwezomnotho kanye nesimo sezimali lizwe. Ukuze wenze lokhu, the velocity lemali isilinganiso ibalwa. Kuyinsakavukela, uma eyodwa wachitha izikhathi eziningana ngonyaka. Ayanda isilinganiso etholwe, ngcono isimo somnotho.

Indima ekuthuthukiseni

Imali medium kwegazi sandla ekutfutfukisweni okusheshayo ngaphezulu ubudlelwane emakethe. Lokhu, kuholela qualitative izinguquko mshini kokusebenza kwabo. Lapho kwakhiwa okudingeka bashintshashintshe ngayo futhi unomphela ubuhlobo exchange phakathi abakhiqizi ehlukile, ikuvumela ukudala "umgogodla" komnotho. Ukuba khona kule uchungechunge amabhange kuholela ekwandeni e ukwethembana ngcono qualitative of ubudlelwano kuholela kwencika owengeziwe. Ngakho-ke, akukho uthuthumele ezenziwe umuntu ngeke kwenzeke ngokuphazima kweso futhi kungalindelekile. Futhi, leli washi ikuvumela ukuba basebenze ngesikweletu, ukuze umnotho kungaba eside ukuzigcina esimweni ithoni. At ekuqaleni kwalesi sihloko kwaba umdwebo T-DT. Manje imodeli zithandwa kakhulu futhi isebenzisa T-K-T, lapho K - kuyinto imali-mboleko. Kodwa luhambisana nomthwalo obuthile, esiphila kuso manje nixoxe.

izinkinga Wanamuhla lwemali

Ekuqaleni, kufanele kuphawulwe ukuthi inkinga enkulu kunazo zonke kudala ukwehluleka ukwenza ukusetshenziswa okunengqondo netinsita letikhona. Ngakho, ekuqaleni ukubolekisa badalwa ngendlela ukwandisa ukukhiqizwa uma kukhona ezingaba, kodwa singenayo imali ekwenzeni lokho okuhleliwe. Kodwa ngalezo zinsuku ngihlalé esikhathini eside esadlulako. Manje loans zisetshenziselwa ukuhlangabezana ngisho izicelo kakhulu elula. Ngakho bangakwazi ikhishelwe zefoni ruble ayizigidi 10, noma ezinye ithuluzi. Ngokuvamile, lemali bahlangane lokho inyanga eyodwa noma ezimbili. Kodwa abantu abafuni ukuphumela le nkambo, naphezu kweqiniso lokuthi ngeke kudingeke overpay. Lokhu ekugcineni kuholela kulokho okubizwa ngokuthi inhlekelele ukukhiqiza ngokwedlulele. Ngempela, ngesinye isikhathi sabantu nje imali eyanele ngenkuthalo uthenge futhi abakhiqizi babe "ususuthi" ukukhiqizwa. Leso bekungagwenywa ukube abantu ukufundisa ngezezimali. Ngaphezu kwalokho, angafuna kubo (nathi) kuya eliphezulu kakhulu lolwazi namakhono ukuze sizisebenzise.

Lapho ungakwazi ukugcina zisetshenziswe ngaso sonke isikhathi umsebenzi?

Hlangana practice kubhekwa ndaba zabahlali abavamile kungaba tekutsengisa, wholesale kanye yokuhwebelana kwamazwe omhlaba e ukuhlinzekwa kwezinsizakalo zomphakathi, nezinye izinqubo ezifanayo. Kodwa sibonga Ukungena okuqhubekayo futhi beqiniseka imalimboleko incipha indima nethonya imali. Ikakhulukazi kahle ke kungabonakala nasemkhakheni Amazwe athuthukile emakethe umnotho. On the Russian Federation, singasho ukuthi ngenxa ukungalingani emkhakheni wezezimali (ephakeme zenzalo ngoba loans efanayo, bureaucratic ethile) namanje buthaka kakhulu sobala. Futhi, nokuntengantenga komnotho (eyisilinganiso emali) kuye kwaholela yokuthi ngempela ngenkuthalo wasebenzisa exchange yemvelo kwezimpahla. Lesi yisinyathelo nasemuva, uma sicabangela ukuthuthukiswa imisebenzi imali.

Umnotho ezicashile Political

Uma ubheka icebo T-M-C, kanye ukusebenza nokusebenzisa, singabona ukuthi imali sokuziphatha njengomncane lento ekhethekile. Ihlala eqinisweni lokuthi yonke imikhiqizo kanye nezinsizakalo emva ukuthengwa nokudayiswa inqubo kokushiya sphere of kwegazi. Kodwa imali - cha. Basaqhubeka bekhonza le counterparties kuthengiselana. Ngakho bangalahlekelwa umsebenzi kwabo izindlela kwegazi, kufanele njalo uhlanganyele imisebenzi emibhalombiko. Uma ungasebenzisi imali njengoba isilinganiso lenani, batawuphindze ulahlekelwe ukubaluleka kwabo. Njengoba injongo izimpahla abavumela ukuhlola ukubaluleka izimpahla namasevisi ngokombono kokubili umthengi kanye nomdayisi.

imiphumela ezuzisayo kanye nemikhawulo

Ngokusetshenziswa leliqhinga is ushona division yezenhlalakahle zomsebenzi, ngoba kuba lula ukunqoba imingcele ngabanye, yesikhashana futhi ngekwendzawo in exchange of izimpahla. kubuye izinhlangano zamabhizinisi banciphise izindleko zabo kuthengiselana. Lena Sibonga kungenzeka ukuba nenkululeko yokuzikhethela, kanye nesikhathi kuthengiselana. Ngakho, ukunwetshwa imigqa umkhiqizo, okuyizinto emakethe sikhule indima nemisebenzi imali njengoba osebenzelana zokwenana. Nokho, le nqubo has izingqinamba umgomo. Omunye wabo - lena kwamandla emali. amazinga wayo okusezingeni eliphezulu kungaholela yokuthi kwandziswa kwelinani futhi ivolumu enana ukuthengiselana, okuyinto okuvalelwe phakathi counterparties kwezomnotho. Ngempela, kulesi simo, imali okungenanzuzo futhi ayikwazi ukuqinisekisa alinganayo amandla wokuthenga. Okunye ukulinganiselwa zidalwe ngesikhathi ukwakheka kanye nasekusebenziseni inqubomgomo yezenhlalakahle endaweni isimo esithile, lapho inhloso ukuzithethelela ukusetshenziswa.

Njengoba umsebenzi uyabulawa ngempumelelo?

Vele kanjani kahle imali yamaphepha asetshenziswa njengendlela medium, kanye degree of ukuqaliswa imisebenzi eyabelwe kubo kungabonwa ezicini eziningana:

1. Izinga lokwehla kwamandla emali.
2. Imvamisa izinkokhelo amaholo.
3. Izinga yentuthuko yokukhokha cashless.
4. Ifomu banknotes.

Bonke babe ithonya labo. Ngakho, uma kukhona ukwenyuka kakhulu kwamandla emali kakhulu kuleli zwe, khona-ke lokhu kuholela yokuthi imali iyeke ingasetshenziswa njengendlela umlamuleli ngempahla. Elinengqondo kuleli cala libukeka ukuvuselelwa ngempahla. I ngomnikelo omncane yethulwa lapha ukuvela, ukuthuthukiswa nokuqaliswa kuzo zonke izici izinhlelo cashless ukukhokhelwa. Zinciphisa ukusatshalaliswa izindleko, ngaleyo ndlela kuncishiswe kwenkululeko imali. Ngenxa yokuthi izimpahla kanye nezinsizakalo abantu ukuthenga hhayi imali, kodwa amakhadi epulasitiki usebenzisa, basuke esebenza kakade njengendlela yokukhokha.

isiphetho

Ekuphetheni, thina bengakunaki ukusatshalaliswa izindleko. Isicelo kokubuyekezwa sihloko exchange indlela kusivumela ukunciphisa isikhathi nomzamo ukulondolozwa. Lokhu ibangelwa yokuthi asikho isidingo ukuxoxisana exchange rate. Lokhu, kanye nokwenzeka Standardization kwaholela ukuvela kanye nokusebenzisa imali njengoba osebenzelana. Yiqiniso, izinto ezenzeka eziningi ukungalungi, futhi kunezinkinga eziningi, kodwa kancane kancane nge ukuthuthukisa indlela yezenhlalakahle bayoba kubhekwane futhi ixazululwe. Esikhathini esizayo, singalindela ukuthi imali ngeke baqale value yayo njengendlela yokuthola kwegazi futhi kuyoba zisithakazelise njengengxenye lokukhokha, ngaphandle okuyinto akunakwenzeka ukwenza (lesi sici zingenzeki nhlobo kude uhambe). Singenza is ukulinda, futhi uma wenza imizamo yethu emihle kakhulu leli phuzu washesha. Manje imali - ke iyithuluzi exchange, ngezinga elithile value, kusho wayenemfuyo.