Ukubikezela lwezezimali - kwezomnotho ithuluzi ukuhlela

ukubikezela lwezezimali - ezosetshenziswa ukusebenzisa izindlela ezithile sokubalwa eziyisisekelo izinkomba zezimali. Izindlela eziyinhloko zihlanganisa ukubikezela econometric, ukumodeliswa zezibalo, yinjwayelo kanye namakhono.

Lapho usebenzisa i-ukumodeliswa zezibalo njengoba isisekelo izibalo elilungile imodeli ekuthathweni kwezinqumo ifakwe izinhlelo lwento. Futhi esetshenziswa ezokuthutha nakunethiwekhi onobuhle.

ukubikezela lwezezimali kuhilela ukusetshenziswa ukubikezela kwezomnotho, okusekelwe ezimisweni eziyisisekelo izibalo futhi imfundiso kwezomnotho. Ngamanye amazwi, ukubala we Okuqondiwe wenziwa ngesisekelo imingcele kwezibalo usebenzisa okukodwa noma ngaphezulu eziguquguqukayo kwezomnotho ukuthi ziyabhekelelwa njengezinto ezibalulekile ezithinta imiphumela bokubikezela. Dynamics of the izinkomba ihlaziye, ecabangela izici ukuthi abe nomthelela obalulekile izinqubo zezimali.

Eyokwakha onobuhle econometric esetshenziswa ekuhlehleni ukuhlaziywa, okuvumela ukuba kwezakhi ezomhlaba, okuyinto kwavela emnothweni esikhathini isizinda. Ukuze uthuthukise ukunemba imiphumela eyatholakala ku izindlela ekubikezeleni izinkomba zezimali ukhiye kufanele eyayihambisana uchwepheshe ulinganisela.

Indlela ye uchwepheshe ukulinganisa osetshenziselwa zamagama nokucutshungulwa ukulinganisa zezibalo wezazi - ochwepheshe endabeni ethile. Ukuphumelela le ndlela kuncike zamakhono nobuchwepheshe. Isibikezelo kungenzeka ukunemba sezingeni eliphezulu. eyodwa kuphela ethile ukuze le ndlela - subjectivism, okusho ukuncika "imizwa futhi umuzwa" uchwepheshe, okuyinto ngezinye izikhathi abakwazi kube kuncike incazelo enengqondo. Ekusebenteni, izindlela eyaziwayo collective ngabanye uchwepheshe ukuhlolwa.

ukubikezela lwezezimali bekuyobhekwa njengento hhayi ngokugcwele, uma lo mkhuba akusho elichaza indlela esibandakanya kwencika futhi engenayo kanye nezindleko ezivela izinto ezifana isikhathi. Kukhona futhi izinhlobo ezimbili zezinkantolo Amathrendi - umkhuba zokukhula njalo esiwumphumela izinguquko unomphela noma mkhuba yesikhashana yomugqa, ukuhlinzeka ukuhlaziya izinguquko njalo ngokuya ngokuphelele. I ethile eyinhloko le ndlela - nandaba okuphelele izici ukubalwa kwabantu, ezomnotho kanye namanye.

ukuqagela lwezezimali engenziwa usebenzisa kokuma kwezibalo abazenzi nge njalo ezithile. Ithuluzi wokubikezela izibalo mkhuba imodeli ekuhlehleni. Cacisa labo ekuqaleni kokuba lihlolwe ngesisekelo base kwezibalo etholakalayo, bese extrapolate Amathrendi isikhathi sokuphumula ethize.

Izibikezelo asivumela ukuba bacabangele zonke izindlela ezingakhona ukuletha ngcono uhlelo lwezimali ngaphansi ngezenzakalo ezihlukene ukuthuthukiswa komnotho, inhlangano kwezomnotho kanye isimo emakethe. ukubikezela lwezezimali bungaba bufushane, ngamanye amazwi, Zonke izibalo ucabangela isikhathi esiwunyaka owodwa, esimaphakathi (iminyaka 3-5) kanye nasesikhathini eside (phezu 5 iminyaka). Lolu hlobo ukubikezela wenziwa emazingeni amathathu kwezomnotho (kazwelonke, indawo futhi elula ibhizinisi).

ezingeni likaZwelonke inikeza izibalo ukuthi zakha imithombo yezimali isimo, ubeka isiqondiso nentuthuko yabo. Waba yini umphumela walesi sibikezelo tekuhlelwa kwemisebenti isabelomali isimo.

Lwezezimali ekubikezeleni ezingeni indawo kufana sezulu ezingeni likazwelonke. Ezingeni nezinhlelo ezihlukahlukene zomnotho ukubikezela kuyinto nokuphathwa kwezimali, esakhiwa ngo ukuthuthukiswa izindawo ukuthuthukiswa kwamabhizinisi kanye kumiswa kwezimali lekusasa. Futhi, kulesigaba, kwencazelo icebo ukuqinisekisa ukuthi lo ukuzinza kwezezimali yokuma ibhizinisi, kanye creditworthiness futhi solvency.