Inqubomgomo esifushane kwezimali

Imisebenzi yezomnotho kwanoma iyiphi ibhizinisi kuhilela izingxenye eziningana. Omunye izingxenye zalo inqubomgomo yentela. Lubonakaliswa uhla izenzo, elibamba umnikazi, abasebenzi abaphathi (ngokuvumelana uhlobo ubumnini ukubukwa). Lezi izinto eziyimisebenzi amathuluzi inqubomgomo zezimali. It wenziwa ngoba ucwaningo kanye nesicelo kweemali ekuxazululeni izinkinga eziyisisekelo futhi ukuqaliswa kwe-imigomo esemqoka.

Isethi imisebenzi kuhlanganisa imiqondo ukukhiqizwa, isayensi umsindo, futhi ezihlose ukwakheka, ukusungulwa izindawo zokusebenza ezisemqoka kwesicelo kwezimali. izidingo yamanje zezimali sinomthelela isikhathi lezi zenzakalo. Okunye futhi okubaluleke ngokufanayo ekutadisheni ukufunwa amasevisi kanye nemikhiqizo, ukuhlolwa ezahlukene (ngokomzimba, bokusungula, ukusebenza, ulwazi) isisetshenziswa inkampani, okubonisa ukusebenza. Ngakho, inkampani kungaba medium-, eside kanye nenqubomgomo yesikhathi esifushane yentela.

Fields of kwesicelo izimali setha ikhumbula Izinjongo, wadingida umqondo, isikhundla inhlangano emakethe. Esifushane inqubomgomo yezezimali ikhuthaza ukusetshenziswa okuphelele kakhulu futhi kahle futhi ukwandisa namandla ezezimali. Iveza ukusetshenziswa onenjongo oshumayela ukuxazulula Izinjongo Tactical futhi amasu kuchazwe sisekelo (imibhalo constitutive) yenhlangano.

inqubomgomo yezezimali esifushane ivumela aqinise isikhundla yayo emakethe (imikhiqizo) ukufeza yokuthengisa elilungile umthamo, imiphetho kanye nezinzuzo, ukuze kulondolozwe solvency futhi zezimali ibhalansi.

Encwadini izimo ngokwanele okunzima okusezingeni eliphezulu kwamandla emali, ukuntengantenga imvelo kwezomnotho, crisis yokungakhokhi, izinhlangano abaningi baphoqeleka ukuba athathe izinyathelo ukuze usinde. inqubomgomo esifushane kwezimali kunomthelela ikhambi ezinkingeni zamanje, kodwa ngesikhathi esifanayo kudala ezinye umehluko phakathi izintshisekelo kwezimali uhulumeni nezinhlangano. Ukuphikisana phakathi ebuka futhi inzuzo ukukhiqizwa futhi intengo yemali ebolekiwe zangaphandle, stock market ukubuyiselwa nokulingana, nokunye.

Kufanele kuqashelwe ukuhlukahluka okuqukethwe inqubomgomo yezimali. Siqukethe amayunithi eziningana eziyisisekelo. Phakathi kwabo kufanele egqanyisiwe:

1. ukuthuthukisa imiqondo wesi okuphusile inhlangano lokungena nokuphuma kwemali, okuzokwenza kunikeza isivikelo ingozi kwezohwebo kanye nezinzuzo okusezingeni eliphezulu.

2. Incazelo yezindawo esiyinhloko isicelo nezimali ezinkulu esikhathini esizako. Uma lokhu kucatshangelwe ukuthi kungenzeka izinto zokukhiqiza kanye nokuhweba, kanye imvelo komnotho omkhulu (lesaphulelo, intela, imithetho ukwehla kanye nezinye izinkokhelo).

3. Ukuqala kokusetshenziswa izinyathelo ezihlose ekufezeni isethi. Lezi zihlanganisa, ngokukhethekile, zihlanganisa Isilawuli kwezezimali kanye nokuhlaziywa, nokuhlola imiklamo yangempela izimali kanye namafa zezimali, kukhethwa indlela izinhlangano uxhaso nabanye.

Inhlanganisela yalawo izingxenye ezintathu ezisemqoka okuqukethwe imisebenzi ehlobene ukwakheka nokusetshenziswa kwemithombo yezimali. Ukuthuthukiswa kwe-zezimali uhlelo zokulawula ngempumelelo lihlotshaniswa indawo okuvela kuyo amazwi nezinkinga ezihlobene harmonization izithakazelo lenhlangano, phambi isamba kwemithombo yezimali kanye lokulondolozwa solvency ezingeni eliphezulu.