Yiziphi izibambiso izikweletu?

Ukuze osomabhizinisi abaningi, izibambiso kukhona ithuluzi elikahle ukukhulisa izimali ezidingekayo ukuthuthukiswa kwamabhizinisi. Le ndlela wokuboleka ezezimali ngenkuthalo wayekwenza emhlabeni wanamuhla njengoba letihlomulisa ukuba amaqembu kuthengiselana.

Uma ucabangela insimbi wezimali enjalo ngokuvamile, kungenziwa emelelwa izinhlobo ezimbili eziyinhloko: izikweletu kanye nokulingana izibambiso. Izibambiso yohlobo yokuqala, eqinisweni, kukhona ubudlelwano credit. Okungukuthi, abangabantwana zimali ozuza idokhumenti umnikeza kwesokudla emva isikhashana ukucela ukubuyiselwa kwemali isamba semali esidiphozitiwe ngesithakazelo. Equity uhlobo izibambiso kuyinto umnikelo imali yamasheya iyiphi inkampani noma inhlangano. Kulokhu, zimali bangathembela imali ekahle, okuzokwenza iyashiyana inani inzuzo kanye nenani lamasheya. Ngandlela-thile, zimali iba kumnikazi wenkampani.

Esikhathini stock market wezwe lakithi abaphendukela ikakhulu izikweletu izibambiso ezifana izibopho kanye namanothi. Futhi angase akhiphe izibopho, kahulumeni nezinhlangano ezingokomthetho ezimele. Yiqiniso, izibambiso kahulumeni zihamba phambili, njengoba zibhekwa enokwethenjelwa kakhulu. Uma sikhuluma imvamisa, izibopho kukhona eside, okungukuthi ayesekhona unyaka owodwa nokuningi.

Njengoba ojwayelekile, phezu kokuphela izibambiso izikweletu emuva umkhiphi, okuyinto yena, okhokhela value ngokulinganisa of idokhumenti, kanye lemali okweqa ukubaluleka njengoba inkokhelo yenzuzo ku loan. Ngemva yokugcina isiphetho kanye credit ubudlelwane phakathi umkhiphi kanye zimali ivalwe, njengoba izibopho mutual amaqembu ababulawa ngokugcwele. Ngaphezu kwalokho, kungenzeka ukwaba izikweletu izibambiso ne esinqunyiwe kanye elintantayo isigqebhezana izinga elimelela lemali isithakazelo zikhokhelwa zimali ukuze ukusetshenziswa nenhloko-dolobha yalo. Izinga engaguquki kusho ukuthi zimali wesikhathi esifishane uzothola lemali ngenxa kusengaphambili. Futhi lapho elintantayo isigqebhezana izinga iphesenti isethwe isikhathi esifushane (isib izinyanga ezintathu noma izinyanga eziyisithupha), bese iguqulwe futhi.

Nezikweletu izibambiso abhekwa ngendlela lalivamile wokuboleka izinsiza, ngoba isidingo zisebenze credit izikhungo kanye ukukhipha imali ebhange. Lokhu kuyiqiniso ikakhulukazi izinkampani asebavele yibhange imali, futhi osomabhizinisi abancane. Abatshalizimali investimenti okunjalo akukhona ezingenawo la mathuba, ngoba uyakwazi ukukhetha izimo ezikahle kakhulu kuye, sithembele hhayi kuphela inani lenzalo kanye eside, kodwa futhi ezingeni of impahla ibe yimali, inzuzo kanye nezinga riskiness lokho kungenziwa uma uvula i-akhawunti idiphozi. Ngaphezu kwalokho, abatshali bezimali abaningi musa uthemba uhlelo yasebhange yesimanje, bakubheka njengobuthakathaka okunokwethenjelwa insufficiently. Kulokhu, bona imali izimali etholakala izibopho kahulumeni, njengoba kuyintando izibambiso kakhulu uketshezi kakhulu, ngoba uba yisiboniso isimo uqobo.