Kushiwo ngamuphi umqondo ukuthi ingxenye accumulative impesheni?

uhlelo impesheni Russian. Phakathi ngenhloso zenhlalo kwezimali zomphakathi esiphawuleka kunazo Isikhwama non-kwesabelomali kuyiphi impesheni zikhokhelwa. Phakathi nenkathi yamaSoviet uhlelo okuthiwa yempesheni, ehlinzekela izinkokhelo impesheni ngoba bangakunaki zamanje abasebenzi imali. Lokhu kusho ukuthi uhlelo impesheni yayisekelwe isimiso womfelandawonye phakathi izizukulwane, impesheni ie zazikhokhelwa ngenxa ngeminikelo evela kulabo ababesebenza emnothweni. Encwadini umnotho emakethe labetibambile kabusha impesheni. It banephupho ukudalwa uhlelo olusha impesheni.

Omunye uqimba okuyisisekelo umhlalaphansi impesheni, okuyinto anikezwa zonke izakhamuzi ngubani Usufike yobudala umhlalaphansi; abantu abakhubazekile, esihlinzeka izimo ezidingekayo; abondliwa kwesokunxele ngaphandle ukusekela ngokwezimali. Eyesibili ezingeni - umshwalense umhlalaphansi impesheni, zinikwa kona bonke abantu abasebenza ngomvuzo. Izinga lesithathu - ingxenye sezikhalazo impesheni, okumele uvumele ukufinyelela izinga lokuphila eliphakeme. Okunjalo uhlelo akuxhomekile inani labasebenzi kanye nabahola impesheni, kwandisa umthamo izinkokhelo (ngoba usebenzisa ingxenye accumulative impesheni), kuqinisekisa ukukhula kokutshalwa eside emnothweni ngezithukuthuku izimali zanqwabelana.

Izimali ezikhiqizwe amaphrimiyamu isikhwama sempesheni, izintela, izimali ukubekwa kwesikhashana izimali iyatholakala kuma-akhawunti asebhange, imali kusukela ukusetshenziswa komhiaba, kanye nabanye. Ingxenye uxhaso impesheni ibekwe ku-akhawunti ngabanye sabathola impesheni yabadala. Ukuze uthuthukise mncintiswano wadala sempesheni okuyinto ezakho isimo. Akubona bonke umhlalaphansi leyo mali. Kuze kube manje, lapho kukhona angaba yizinkulungwane 500. ingxenye Ixashwa impesheni enqwabelene kusukela ngo-2005.

Izakhamizi Unelungelo banqume ukuthi ukugcina imali yabo. Abantu abanale ukonga akhawunti yesikhwama sempesheni, sebeqala umhlalaphansi. Abaningi uyazibuza kanjani ukuthola ingxenye accumulative impesheni? Ukuthi ngo-2012 kulindeleke, yayo ungathola labo adluliselwe imali izimali zempesheni, okuyinto ziphethwe abantu yangasese. Nokho, ngonyaka ozayo ubonelela ekukhokhweni impesheni zithole uxhaso lwe- impesheni zomphakathi Isikhwama owaziwa. Ngaleso sikhathi samanje emaphephandabeni ngenkuthalo olwenziwa impikiswano yokuvuma okwandisa usuku umhlalaphansi. Iqiniso lokuthi uhlelo impesheni namanje sokusabalalisa, kancane kuphela olwesimanje. Ezweni lethu lamuhla bantfu labatigidzi letingu 75 rabotayuschihi kwezigidi ezingu-88. Abahola impesheni. Ukuwohloka kulindeleke. Ingxenye labantu ekhubazekile imayelana eyodwa nanhlanu sebebonke, ngo-2020 kuzoba ilingana u-25%, kanye ngonyaka wezi-2030, u-30%.

Ngisho ngo-2011, FIU izindleko kudlulwe izimali nge ruble omunye trillion, kanti kulo nyaka (2012) lemali ngokweqile ruble 1.75 trillion. Lesi simo angachazwa ngokuthi enhlekeleleni, ukube bekungekhona ukuthi amanani kawoyela isibhakabhaka-okusezingeni eliphezulu. Ezinye izikhulu eziphezulu bakholelwa ukuthi ethathe umhlalaphansi ngasekuqaleni kuzosiza ukuxazulula le nkinga. Kodwa ngokusho kombiko owamukelwa ekongeni FIU izindleko enkulu yalokhu kwanda ngeke azisizi 80 - ruble 90 billion, asifani ne kusilela.

Omunye akahambe indlela yokukhokha ukuze yomshuwalense kanye kumila kuphela non-ukusebenza impesheni impesheni. Ngenxa ongaphakeme zabantu izigidi impesheni emsebenzini, ngakho-ke, sasivunyelwa impesheni ezincane. Nokho, uhulumeni wase-akunakwenzeka ukuba wenza isinqumo khona lapho ukwehla, njengoba impesheni kanye namaholo ngokulambisa unike amandla impesheni ngengeniso yokusondela esezingeni eliphakathi nendawo.

osomnotho abaningi bakholelwa ukuthi isidingo sokushintsha emithonjeni FIU, babhalisele ukuqasha izinkokhelo, futhi ulawule nakakhulu ukusetshenziswa langempela kwezimali, ukuvimbela ukukhwabanisa yabo. Kodwa umthombo oyinhloko uyagcwala engxenyeni ngemali yesikhwama sempesheni iyona inhlangano izimboni ezintsha kanye ukuheha abantu abasha ukuba asebenzayo.