Isici engenayo

Imiqondo "izici zokukhiqiza" futhi "isici engenayo" oxhumene Mezhuyev ngokwabo, futhi lesi sihloko uzobe lobu buhlobo ukuboniswa.

Ingabe Zikhona Izimo Ezenza zokukhiqiza kungenzeka okulandelayo izinhlobo izinsiza, usebenzisa okuyinto:

- ukuhlela ukukhiqizwa kwezimpahla;

- ulawula ivolumu umkhiqizo osuphelile.

Ngamanye amazwi, zingabantu izinsiza zomnotho ezifanayo nalezo inquma omthombo izindlela zokukhiqiza.

Ngakwelinye ihlangothi, izinsiza zezomnotho kungenziwa labizwa esimeningcondvo izici ezilandelayo: zemvelo, ukusebenza, inhloko-dolobha, kokusebenza, futhi ulwazi lwezimali.

Ngokusekelwe kulezi zinhlobo imithombo, kubalulekile ukuchaza kafushane ngamunye wabo. Ngokwesibonelo, umsebenzi kungenziwa imelelwa inyunyana amakhono engqondweni nasemzimbeni esetshenziswa abantu inqubo ekwakhiweni kwemnotfo. izici zako ezisemqoka ezisetshenzisiwe:

- umfutho, inquma inani zomsebenzi owenziwe esingashintshi kuze kufinyelelwe esikhathini wamukela isikhathi;

- Ukukhiqiza, njengoba kulinganiswe inani okukhipha iyunithi isikhathi ngasinye.

Ukuze kwemithombo yemvelo ezweni akunakubangelwa, okuyinto ihlukaniswe yaba:

- izifunda lapho izindawo zokukhiqiza zitholakala;

- umhlabathi olimekayo lapho izitshalo etshalwa, futhi okusezingeni eliphezulu okusanhlamvu hoxa, ikhabe, njll;.

- enomkhiqizo wokumbiwa phansi.

Omunye umthombo zemvelo ezibalulekile iyona ikhono ebhizinisi. Kungase kudingeke kuphela abanye phakathi kwabantu abenza ibanga elikhulu imisebenzi ehlukene, ngaphandle lapho kwemikhiqizo lifakazelwa yimpumelelo akunakwenzeka.

Meaning of igama elithi "dolobha" is sesijwayele ukuthuthukiswa njalo isimo somnotho. Ngokwesibonelo, Bakhipha Smith babekholelwa izindlela zakhe izinto zokukhiqiza kuphela. ochwepheshe zemininingwane e emkhakheni wezomnotho wagomela ukuthi ihlanganisa imali kanye izibambiso. Namuhla, ngaphansi inhlokodolobha Libhekisela kunoma yini kungaletha umnikazi walo ukubuyela. Ngokusekelwe definition singenayo, luhlukaniswe Okuyınqo, okwenza imali zezimali. Nokho, lokhu isici usadinga ezinye ukucaciseleka. Ngakho, ingxenye yezimali capital ngesimo amasheya, amabhondi ezifakwa emabhange nezinto zokukhiqiza asikwazi kuthathwe njengoba hhayi ngqo exhumene ne inqubo ukukhiqizwa.

Factor imali zihlanganisa nalabo ethathwe ukusetshenziswa izici. Izinkomba ezilandelayo elakhiwe lapho uqhathaniswa.

Ukusetshenziswa zomsebenzi ukuthola isici engenayo - inkokhelo. Renta ethulwa imali ukuthi umnikazi njalo ithola kusukela ukusetshenziswa kwempahla kanye nezwe. Iphesenti kunqunywa ukusetshenziswa imali eyengeziwe (iphesenti credit) noma izimali ezitshaliwe isikhathi esithile depositor (amaphesenti idiphozi).

Umqondo "net isici engenayo" isetshenziselwa imali abayithole phesheya. Ngamanye amazwi - lena umehluko phakathi ukuqhutshwa wathola Bakwethu phesheya, futhi engenayo kulamanye emave abamukele kubo ensimini ka ezweni lethu.

Factor iholo lingase lisetshenziswe futhi ukubala izinkomba eziningi komnotho omkhulu isimo. Lokhu okulandelayo ezinye izibonelo.

Njengengxenye wamazwe umkhiqizo ukukhululwa enjalo isici engenayo:

- amaholo nezinye isinxephezelo isikhathi basebenza ukuze izakhamuzi;

- izimali siqu izinhlangano, amabhizinisi, izikhungo;

- sokuqasha engenayo;

- inzuzo elisele ngemva kokuba inkokhelo inkokhelo nesithakazelo imalimboleko;

- isithakazelo net emelelwa umehluko phakathi izinkokhelo isithakazelo bezinkampani esakhokhwa abanye, futhi ezitholakala kwezinye izinkampani.