Ukubeka - kuyini? Ukutshala imali ibhizinisi noma impahla. izinhlobo ezitshaliwe

Lokutshala Izimali - yinqubo capital investment (capital) ukuze bathole izinzuzo ngesimo inzuzo. ukuthi utshalomali iphephile? Akuve iphephile ukusho nzima eziqhathanisa credit.

Qhathanisa obolekisayo

Ngokungafani utshalomali abolekise wukuthi e Kulo mBhalo, siyazi ukuthi imali uzobuya kithi nge kumaphesenti athile ngendlela esifike ngesikhathi, kodwa njengoba investimenti, angeke sikhone kusho ngalokucondzile. Iqiniso lokuthi lena umsebenzi okuyingozi, imbuyiselo incike impumelelo iphrojekthi, esimweni investimenti akuphumelelanga ukulahlekelwa ngokugcwele noma kancane we etshaliwe.

Ukubeka - kuyini?

Ake ucabange ngokunengqondo, yini okudingeka uyenze ukuze uthole imali. Abaningi le njongo thola ukusebenza khona futhi bachitha isikhathi nomzamo zabo, useyayamukela inkokhelo. Esimweni esinjalo, indlela yokukwenza ukuze uthole okuthe xaxa? Kunengqondo ukuthi le njongo kuzodingeka basebenze nzima (qualitatively noma quantitatively). Ngakho, sichitha isikhathi esiningi emsebenzini, futhi amandla womuntu njalo inomkhawulo. Uma ukusebenza kanzima, ngeke kube khona isikhathi sokuphumula, futhi ukuthuthukisa isimo sabo sezimali ziyokhawuka kunenjongo. Kulesi simo, woza utshalomali usizo. Yeka indlela enhle kakhulu uthole ukusebenza imali, hhayi okuphambene nalokho, kukhona nje Akungabazeki. Iqiniso kuyokhulunywa, ubuvila - injini yenqubekela phambili. Awudingi omningi onzima. Nakuba nenza imisebenzi yasendlini, ukukhohlisa umthetho physics othi umzimba ngeke abe ezindaweni ezimbili ngesikhathi esisodwa, namanje ungenza Nokho, akuwena, futhi "kusho iphini" - etshaliwe. Little kuqondwe elithi "utshalomali." Kuyini, manje siyazi, ukuze sikwazi banake iphuzu eliyinhloko, okungukuthi, - lapho, eqinisweni, ukutshala.

izinhlobo ezitshaliwe

Imali izimali ezidingekayo okuthile. Ezweni eziningi ongakhetha lapho abantu ukutshala imali. Manje ethandwa izimali, amabhondi, amasheya, ukutshalwa kwezimali inzuzo enkulu ingcebo. Lena ingxenye encane nje kuphela lapho ungakwazi ukutshala. Futhi uma kukhona okuhle ezinye izindlela zinhle, ke kukho olukhulu kungaba utshalomali ibhizinisi. Akukona mayelana lapho ukutshala, inqobo nje kwaba inzuzo. Imali kufanele ikusebenzele.

ukwabelana

Action - uhlobo izibambiso esiqinisa ilungelo isabelo umnini wayo (shareholder) e ubunikazi inkampani futhi kwenza ekuphathweni kanye irisidi ye izinzuzo (imali).

izibopho

Bond ithumba sonke isikweletu sale nkampani kumnikazi we ephepheni. Umnikazi izibopho, ngokungafani kuya shareholder akulawuli inkampani futhi akanayo ilungelo lokuthola izinzuzo kusukela inzuzo yayo. Abanikazi lezo zibambiso kumele sikhokhwe isithakazelo imali, futhi ekupheleni ukwelashwa kwakhe noma ekuvuthweni banikezwa value bokuzisholo.

Ukuqhathanisa ingozi

Amasheya utshalomali okuyingozi ezingaphezu kuka izibopho ngenxa izinzuzo kuncike kuphela ekukhuleni kahle inkampani. Amabhondi futhi enikeziwe amabhizinisi kwempahla nempahla.

izimali utshalomali

Ngokuqondisisa kulula tesifundvo Uyoletha izimali ngendlela isikhwama imali, okuyinto ugcwele ngu izinhlangano ezingokomthetho noma abantu. Kusisa zidluliselwa ukuphathwa trust ebhange ephethe inqubo imali izibopho noma amasheya. Ngokwabo njengoba abatshalizimali awukwazi ukutshala ngqo ngenxa yokuba yinkimbinkimbi komsebenzi futhi zibiza kakhulu ukuthenga nokuthengisa inqubo. Kuyaphawuleka ukuthi lokhu akuyona ezifakwa eside, naphezu kweqiniso lokuthi zimali singakhipha imali nganoma isiphi isikhathi. Inzuzo ngokuvamile uzothola kuka engu-2, futhi akufanele sikhohlwe ukuthi lokhu kwenzeka okuyingozi, futhi ekugcineni bangazuza futhi belahlekelwa imali yabo.

Ingabe kuyazuzisa ke ukutshala izimali zami kule bhizinisi?

Ukuze uphendule lo mbuzo, kudingeka siqonde ukuthi ukutshala imali ebhizinisini, uthola iphesenti ezithile inzuzo yayo. Futhi uzinake wukuthi ungakwazi ukutshala uwedwa noma ibhizinisi angaphandle. Ngakho, ngisho noma ungenayo imibono ukuqala ibhizinisi, ungakwazi ukutshala yomunye. Imali kungenziwa etshaliwe kakade kwezamabhizinisi, futhi ukutshala kumaphrojekthi ibhizinisi. Lokhu okuthiwa ekuqaleni abantu abadala. Izimali ezitshaliwe emisebenzini enjengalowo - a ukutshalwa kwezimali ibhizinisi dolobha. Kuyini lokhu? Ngakho ngokuthi izimali ukutshala kumaphrojekthi okuyingozi, abasha, ngokuvamile Amabhange ayala ukusebenza nabo, ngoba kuhileleke nezinye zimali abazimele. Ngokuvamile, le nqubo libhekene yokutshala imali isikhathi eside kule nkampani. Irisidi imali ingase futhi ziyahlukahluka. Abanye abatshali bezimali kuphela ukuthola imali yekwentiwa (isithakazelo kusukela inzuzo), abanye - asebenzayo (ngqo iphethwe yi- ibhizinisi). Ungakhathazeki uma ungenayo imali ephelele ngokuba umnikelo ibhizinisi, ngoba awukwazi ukunikeza 100%, futhi isibonelo, 20-30%, futhi ukuze ujoyine nezinye zimali (ukulingana). Ngokuvamile, 100% ibhizinisi utshalomali - ibhizinisi okuyingozi kakhulu, kuphephile kakhulu ukwabelana. Ibhizinisi utshalomali kokubili inani ngebuhle nebubi.

izinzuzo

1. Izinhlobo eziningi kanye nezinhlobo amabhizinisi lapho ukutshala.
2. Kukhona amaphrojekthi angadingi imali eningi, kanye nokulingana iqhaza.
3. Okufanele futhi kufinyeleleke cishe wonke umuntu.
4. Leli fa tangibility impahla lemali etshaliwe.
5. Ungakwazi ukuthatha siqu iqhaza ibhizinisi ukwakhiwa, ukwazi kahle izimali zisetshenziswa kanjani futhi kuphi. Kungenzeka ukulawula utshalomali.
6. ukubuyiselwa Unlimited.

amaphutha

1. ingozi nokulahlekelwa dolobha uma ibhizinisi "ashisiwe".
2. Ilokhu kufanele ubuke ukuthi awazi zephula umthetho? Cha.
3. Kungase kube ukungezwani abalingani (Kufundza Ngekuhlanganyela ibhizinisi ukwakhiwa).
4. Kuyadingeka ukuqonda imininingwane kunjalo, lapho etshaliwe.
5. Lapho imali uqalisa, cishe, kepha akuyikukusiza ngokushesha. Okungukuthi, lolu hlobo utshalomali akunakubangelwa eside.

ingcebo

Lena ngenye yama-izinhlobo ephephile of izimali. Impahla neze awe value, nalo kuphela kuba ezibizayo njalo ngonyaka. Ukutshalwa kwezimali ingcebo abe kusimo abalulekile, okuyinto okufanele kube khona ngesikhathi esisodwa umxhwele dolobha uqale-up. Kodwa manje ungathola ngenye indlela kulesi simo, isibonelo, ukuthatha out a mortgage noma boleko ukwakhiwa, futhi ngemva efulethini izokwakhiwa, izindleko zayo kuzokhuphula intengo. Futhi kunenzuzo kuyinto yokwakha kabusha emagalaji. Ungakhohlwa acabangele imininingwane emakethe kuba endaweni yakho. Ungase futhi ukuqasha kokubili ezezindlu kanye emagalaji. Kulokhu, kufanele acabangele indawo into, futhi kusukela kule engenayo kuzoncika. Uma uthatha isinqumo sokutshala imali imali kuleli hlobo utshalomali, zitadishe ngokucophelela imithetho kuyokusiza lapho sinquma inzuzo le phrojekthi. Ukutshalwa kwezimali ingcebo - uhlobo oluhle kakhulu izimali utshalomali.

Sithemba ukuthi isihloko iye yasiza kancane ukuba uqonde izwe eyinkimbinkimbi ukutshalwa kwezimali, futhi okubaluleke kakhulu, wakwenza kwacaca ukuthi kungaba ngezindlela zokuthi bathole ezengeziwe, futhi ngezinye izikhathi ngisho iholo eyisisekelo. Kungakhathaliseki ukuthi yiluphi uhlobo utshalomali bazikhethele, okubaluleke kakhulu, ukuba zifunde ukwenza umsebenzi imali ngawe, hhayi okuphambene nalokho. Eyimpumelelo, onokwethenjelwa futhi inzuzo utshalomali.