Izimali esingeziwe kwesabelomali: isidingo futhi abheke ukuthi kungenzeka

izimali esingeziwe kwesabelomali kukhona enye yezindlela ukusebenzisa utshalomali kazwelonke futhi ukuxazulula le nkinga yomnotho ye-ukuvelela ukuthuthukiswa ukukhiqiza, zokunqoba izinkinga, ukuntengantenga nesikhathi yokujama tsi. Badlala indima ebalulekile emnothweni kanye wamanje kwezenhlalo futhi izimali zempesheni, izimali Wezempilo nabanye.

Umnotho kazwelonke ingenye izinhlobo ezinkulu zokukhiqiza. Izimboni zayo eziyisisekelo ngaphansi zamanje emakethe umnotho kudinga sesimanje kanye ukunwetshwa fixed ukukhiqizwa amafa, esikhundleni ezigugile imishini akusebenzi. umkhakha Khanyisa idinga ukuvuselelwa ezolimo - ekuthuthukiseni kanye nokwesekwa okuqhubekayo. Futhi lokhu akuyona yonke izinkinga ezikhungethe umnotho kahulumeni. Ngenxa kunezinkinga zemali sikhule kwamandla emali, isabelomali kusilela, kanye izikweletu zangaphakathi nezangaphandle yezwe. Ngenxa yalezi zizathu, abantu, ikakhulukazi kubantu abasengozini, usengozini ukwehla usa emazinga ekuphila. Konke lokhu kuphakamisa isidingo imali kanye lokuhlushwa izimali ku ezingeni wombuso.

Extra kwesabelomali izimali - ikhambi eliphumelelayo ezahlukahlukene, ukusatshalaliswa parallel of Finance, ngaphezu isimo nemithetho yendawo amabhajethi indawo. Ukusetshenziswa lezo zimali sivezwe kula isidingo reallocate izimali ngokuya balinganiselwe futhi inhlekelele isimo sezimali umnotho. Ukuze wenze lokhu, kubalulekile ukuba afeze ukuhlaziya enemininingwane ukuhlonza izindawo eziyinkinga kakhulu ukusetshenziswa okuhloswe futhi usabalalise imithombo yezimali.

Dynamics of izinguquko emnothweni kudinga efaneleyo ukuphathwa nokusebenza ekuthathweni phezu ingxenye ukuhanjiswa izimali. Ngokungafani izimali isabelomali, ukusetshenziswa esiyinyama esilawulwa yisishayamthetho (iphalamende), bachitha izimali kwesabelomali ngaphansi kokulawula bohulumende lomkhulu, kazwelonke noma wendawo eyenza kubelula futhi kusebenze kahle kabusha izimali, nokukhuphula ijubane Ukuphendula isimo somnotho wezwe lonke, ikakhulukazi ngokoMthetho ukungeneli kwesabelo sezimali.

izimali esingeziwe kwesabelomali enzelwe hhayi kuphela baphinde bawahlanganise izimali ivela amabhizinisi kanye nezikhungo. Futhi, kulezi zinhlangano enze kube nokwenzeka ukuba uthole imithombo eyengeziwe cash flow ukuze amboze ngokweqile kwemali phezu ohlangothini ngezimali. Imithombo uxhaso off-isabelomali izimali kungaba kokubili unomphela futhi yesikhashana, ukuba ezahlukene kwezinye izindawo kwabanye futhi ukucacisa isikali kanye nohlobo ukuqaliswa imisebenzi ngesikhathi kunezinkinga.

Ukwahlukanisa izimali ze-non-kwesabelomali. Namuhla, umuntu angathola ongakhetha eziningi yezinhlangano ukusatshalaliswa idatha, kuncike nemingcele kubhekwe. Ngakho, ngokwenjongo izimali owawudalelwe zihlukaniswe zezomnotho nezenhlalo off-isabelomali izimali. ezingeni Management - ku isimo nawesifunda izimali.

Ngaphandle kosizo lezi zimali, unga:

1) sinomthelela inqubo ukukhiqizwa by uxhaso, abolekise kanye nemixhaso kumabhizinisi;

2) neqhaza ngcono kwezinyathelo kwemvelo Ukuvikelwa ngenxa imithombo ekhethekile futhi nenhlawulo kusukela ukungcoliswa kwemvelo;

3) ukulondoloza izinga lokuphila wesitjhaba ukukhokhelwa kwezimpesheni, izibonelelo, nezinzuzo, nokunye;

4) ukunikeza ukubolekisa kokubili ezifuywayo angaphandle emazweni angaphandle.

Ngaphansi kohlaka umthetho izimali ze-non-kwesabelomali kukhona ekhululiwe emisebenzini isimo namasiko kanye nokukhokha intela. Ingxenye ukuqhutshwa okungase ziqondiswe umsebenzi constitutive, futhi abanye - ku izimali izibambiso.

Ngu kwezibalo global idatha nenani kwezimali e Western amazwe amabanga kusuka 30 kuya ku-80.