Isu yebhange e Kwimakethe yokuncintisana

Modern yokuncintisana ngokweqile ezimakethe zezimali inikeza ezanele nezinselelo isu yebhange. Ikhipha liqukethe izimakethe eziningana: zokuhlala kanye imali amasevisi, ukubolekisa, lwemali kanye izibambiso. Bakha izinhlobo ezahlukene ukuthengiselana yasebhange ezingaphezu kuka-150. Ngokuhamba a commercial yasebhange nokuxhumana emakethe ekhula ngokukhulu ukushesha yengxenye yayo virtual, okusikisela iziteshi eziningi futhi amaklayenti akude ukuthola amasevisi. Kutibophelela wamavukelambuso 'vula ^{180 "-} kusuka tovaroorientirovannyh ubuchwepheshe - amaklayenti-to (CRM).

Uma siphendukela "zabuna", isu asebhange kungenziwa okusekelwe omunye ezisekelweni ezimbili: US (imakethe isitokwe isakhiwo, inani elikhulu abanikazi bamasheya kanye ukujikeleza yabo) kanye European (umlingani, okuphambene kuya lokuqala).

Kutfutfukiswa isu yebhange iqala nge emakethe izingxenye esithuthukisiwe imikhiqizo yasebhange kuso. Kuphela ngokwenza lesi simo, abaphathi bayo ngesikhathi sangempela uzokwazi uzulazule imvelo Imininingwane ukuncintisana. Okungukuthi, ukwenza ngokucophelela futhi ngokuhambisana leli cebo, nekuwusebentisa step by step, ikhumbula, ngakolunye uhlangothi, isithakazelo kwezohwebo, ngakolunye - uye kancane kancane ekugcineni imithetho Central Bank, ne wesithathu - ngokufanele usebenzisa izici umnotho kwesifunda.

imiqondo Basic - the alpha and omega isu ibhange sika idiphozi futhi yayo abolekise izinqubomgomo, ngaso sonke isikhathi isakhiwo kahle ngokuqondene nezimpahla kanye nezikweletu, incazelo ecacile ingozi kuyamukeleka obolekisayo. Nalezi zindlela ezingenhla kufanele kugcinwe ezingeguquleke, njengoba ukuhlonza yabo kucace oluthinta ngqo ukuzinza ebhange. Eminyakeni yamuva abaningi kubalulekile ukuheha amakhasimende ebhange iba isikhundla emphakathini: ibhizinisi ngokubambisana neNhlangano izinhlangano zikahulumeni, kanye nokuthuthukiswa nobudlelwano zomphakathi.

I yasebhange emakethe yasekhaya uwela ngaphansi isigaba isimo emakethe - mncintiswano okumsulwa, elinesimo ezihlukahlukene nabathengisi ukunikela uhlobo olufanayo izimpahla namasevisi. Amaqhinga wokubuthelela ibhange commercial kule mvelo asikwazi ukwenziwa ngaphandle ukulawula njalo Ngokuqhathanisa izinjongo zamasu nezisetshenziswa ezikhona: ethungatha Dynamics nokulingana (inikezwe oyiyo), ikhasimende base, izinga lomkhiqizo kanye nenqubomgomo tariff, kulingana isakhiwo osebeni umgomo wayo. Umsebenzi Bank ukubonakalisa ukuphathwa yebhange washayelwa isu ucacisa ngokusobala amakhasimende ebaluleke kakhulu (kuhlanganise eziphambili), kanye nezindawo ezibalulekile zokubambisana nabo, kusekelwa Okuqondiwe lohleliwe.

Kufanele kuqashelwe ukuthi njengamanje ukuhlela amasu ýkhasýmende kungokoqobo ushintsho lomqondo. Umkhuba owawukhona ikhalenda (kwezimali) ngonyaka uya wagxeka njengoba ubuchwepheshe ulawula izinqubo kanye izifanekiso.
Kuyaphawuleka isikhundla kwamabhange babhekisise snap bendabuko nonyaka odlule. Angabaza "indlela engenabuntu", fixated ku Imiphumela ehlala isikhashana ngaphandle kucatshangelwa kwemvelo kanye nokwakha ngezifiso ikhasimende base. Izindlela ezilandelayo zisetshenziselwa ukwakha ke:

• indlela ngaphambi indlela;
• indlela yokwakha izicelo kanye nezidingo iklayenti;
• indlela ukuhlangabezana neendingo iklayenti.

Beshukunyiswe intshiseko wagxeka "abaphathi bendabuko" abazama 'akha ngokulinganayo bonke "ngenxa yokwesaba" alingeni loluhlelo. "

Kutfutfukiswa isu yebhange buvezwa ukuhlela, izindlela kwezinhlekelele futhi ekwakheni ubudlelwano ibhizinisi letihlomulisa namakhasimende.

Ekuphetheni lesi kafushane amasu samanje ngamabhange, kumele kuphetfwe mayelana esikhundleni okuseduze imikhiqizo esungulwe lomqondo ngamakhasimende, amasu amasha - ikhasimende ngamakhasimende.