Ukheshe noma non-cash izinkokhelo?

Cash babe phezu anomlando omude. Amasampula lokuqala imali ngesimo zemali yavela eminyakeni engaphezu 2500 edlule ensimini ka Turkey yesimanje, ku Lydian isimo. Kodwa zemali okwandile ukwelashwa wathola 450 BC ePheresiya, lapho uDariyu inkosi esikhundleni sazo exchange of izimpahla, kuhlanganise izikhumba njengoba ngokuvamile lisetshenziswa imali, metal nemishayo, amagobolondo, izilwane nokunye. Iphepha imali umsuka emva eminyakeni engu-800 kokusungulwa iphepha, ekupheleni yokuqala yeminyaka BC, eChina (910 eminyakeni), lapho wathola kunyatheliswa mass.

Namuhla, igama elithi "cash" kusho imali engamaphepha zemali ezisebusweni ngokuhambisana nomthetho esikhishwa Bank of Russia. Ibhange emaphakathi yezwe unelungelo okukhethekile ukukhipha imali, imali yomgunyathi is kushushiswe ngaphansi Criminal Code.

Cash - izibalo kusho ngokuyinhloko ngabanye (izakhamuzi) kungukuthi wahlanganyela emsebenzini ebhizinisi, okungukuthi, labo izimo, lapho umuntu othenga okuthile mina ... Eminye imisebenzi emikhulu ngokheshi angaphansi ukulawula (isibonelo, uma umuntu uye wathenga yena izibambiso nibaluleke ukudlula 600 ayizinkulungwane. Ruble futhi izokhokhwa ngokheshe).

Ingxenye enkulu imisebenzi eyenziwa phakathi amabhizinisi kanye nezinhlangano (izinhlangano ezingokomthetho) noma izinhlangano kanye izakhamuzi ekusebenziseni imisebenzi ebhizinisi kumele kwenziwe nge-EFT.

Nokho, ukuze ukhokhe phakathi kwabantu nezinhlangano ezingokomthetho angasebenza ukheshi kanye non-cash imali. Imisebenzi nezinkampani imali imali kukhona ngokuhambisana elawula imali imisebenzi, kuhlanganise non-cash izinkokhelo nge amakhadi asebhange ukukhokhelwa, lapho, ngemva kokufunda ulwazi ekhadini ikhasimende wakhipha isheke.

Ngokungafani kwemali, ukuhlanzwa Kwenziwa kuphela ngokusebenzisa abagunyaziwe credit inhlangano ngokusebenzisa ukubhalisa umyalo wokukhokha, hlola, noma ukusebenza credit iqoqo.

Cash and non-cash izinkokhelo kunezimo yabo kanye nobubi obuthile. I yokuntula of non-cash izinkokhelo zihlanganisa yokuthi izikhungo eziningi futhi izikhungo ezweni lethu musa ukusekela ukubalisisa eside amakhadi asebhange kubantu ngabanye. E. iningi encane Izitolo okudayisa abantu abakwazi ukuthenga izimpahla ngokudluliswa kwentambo. Isibalo imisebenzi zokukhwabanisa eyenziwa ngamakhadi lokukhokha non-cash, hhayi ziyancipha unyaka nonyaka. oweta Kuwukungathembeki endaweni yokudlela, isibonelo, ungabhala off lemali ibalazwe liqhathaniswa lapho izinsizakalo zihlinzekwa. ATM ngokuvamile ubeka abafundi, okuvumela nabakhwabanisi ukuntshontsha imali ekhadini.

Ngakolunye uhlangothi, ikhadi ikuvumela ukuba baphathe tibalo emhlabeni enkulu ngesimo yerekhodi electronic. Uma elahlekile, futhi Ukuvinjwa ngesikhathi esifanele lemali lutho okwenzekayo ekugcineni, ngokungafani zemali elahlekile noma ezilimele noma imali yamaphepha - nakuba Bank of Russia futhi kuthatha exchange of ezigugile ezilimele iphepha imali ngaphansi kwezimo ezithile.

ngokoqobo Russian kusikisela ukuthi umuntu benesidingo njalo imali ukuze ukhokhe encane. Futhi ikude nemizi emikhulu, aba maningi kunendingeko imali. Nokho, egqoke semali nge akuphephile njalo (futhi lokhu ukuthi akanalo nhlobo imali), ngakho ngaphezu imali engamaphepha newuhlweza kungcono ukuthi ube ikhadi lasebhange, okuyinto inenethiwekhi ebanzi ATM namagatsha, lapho ungakwazi ukususa lemali oyifunayo.