Okuzuzisa kakhulu imali ebhange. Okuzuzisa kakhulu zifakwe ebhange

Imali - ingenye amasevisi ethandwa kakhulu ezihlinzekwa ezikhungweni yesimanje zezimali. Imali kukhona elula format utshalomali. Zonke lokho okulindeleke kumuntu - ukukhetha umlingani ilungelo zezimali lapho sibhekene ibhange ezinkulu, ukuthatha imali yabo futhi engxelweni. Ekupheleni kwesikhathi wokubambisana inani capital izokwenyuka. Umbuzo kuphela okufanele unqume ngayizolo yokubhaliswa idiphozi - kutfola iyini imali ebhange enenzuzo kakhulu ungaphakathi ngomzuzu wamanje.

nezindaba Jikelele

Ukugxila inkathi ukwabiwa dolobha ku-akhawunti yasebhange, ungakhetha elithi imali kanye funa imali. Kugcine format izinhlelo inikeza ithuba ukuhoxisa izimali ezivela akhawunti nganoma yisiphi isikhathi, kodwa inzuzo kuyinto alimaze inani lenzalo. It uvame ukuba ongatheni phakathi kwawo wonke okunikezwayo okutholakalayo emakethe. Indenta futhi sigxila iyini imali ebhange enenzuzo kakhulu sihlinzekela enkulu bofeleba netinhlavu eside ngokubambisana ne yezezimali. ezifakwa Small ngomzuzu wokugcina akumele zinikele kumaphesenti afanayo nenzuzo. Kumelwe ngaso sonke isikhathi acabangele lo mthetho: ukufinyelela ethe xaxa ukuze ikhasimende ibhange imali yabo, kancane ke liyakuthela ezingeni. Ubuningi bamahora inzuzo kubhekwe njengento ezifakwa isikhathi unyaka owodwa noma ngaphezulu.

Okuzuzisa kakhulu ezifakwa ifomethi

Imali enenzuzo kakhulu e amabhange kungaba kokubili imali kanye ezuziwe. Savings ezifakwa ayikwazi agcwaliswa, futhi okhethiwe isithakazelo eyinhloko kuyoba okhokhwayo inani capital eyinhloko. Ifomethi sesibili salolu hlelo ivumela kwaqedwa umnikelo, iphesenti kuzobalwa ngenani okuzokwenziwa esekelwe akhawunti nganoma yisiphi isikhathi esinikeziwe.

Ukwanda esiphezulu e izimali ku idiphozi iqinisekisa isithakazelo kwakwakhe, owaziwa nangokuthi nosonhlamvukazi. essence yayo itholakala iqiniso ukuthi inani isamba esingu- imali kwi idiphozi ne isithakazelo recalculated, nangale ukushaja yabo azenziwanga kuphela ubukhulu umnikelo main, kodwa futhi ngenzalo ngaphambilini enqwabelene. Inqubo iyaphindwa njalo kuze kube isikhathi lapho igama elithi idiphozi iphela.

Elilinganiswayo iminikelo okukhonjiwe futhi OMC

Ukuze nezigaba ezithile amaklayenti ezifakwa enenzuzo amabhange Petersburg nakwamanye amadolobha - ibalwa. nge ukubambisana yasebhange format kunikeza ithuba ashona. Iklayenti uthola ikhadi lemali kunika. isimo okugunyaziwe - iyona ukhona okwavunyelwana kokusayina isivumelwano sokuba nguzakwethu lemali ku-akhawunti. Enye okufana ezithakazelisayo idiphozi - kuba umkhiqizo ehlelekile. Kungaba ukukhiqiza ezithela oda eziningana ezihlanganisa ephakeme kunaleyo uhlelo ejwayelekile. Lesi sigaba kubhekwa a utshalomali ephezulu, kodwa inhlanhla izici ukuthela ku idiphozi lingafika ku-20% ngo-kwezinyanga ezimbalwa. Enye inguqulo ezithakazelisayo futhi okungezona yendabuko nokwengezwa izimali zabo - iyona MLA (noma ama-akhawunti metal unallocated). Zingaba eliphezulu ukuhoxa kakhulu, futhi kwezinye izimo futhi enenzuzo kakhulu. Amabhange bamshaya inzalo ezifakwa ezinjalo, kodwa ngena intengo ensimbini eyigugu emakethe international anganikeza isivuno u-100% futhi idiphozi isikhathi ephakeme. Sekuvele kukhona njengoba lucky.

Uyini umnikelo enenzuzo kakhulu, futhi ngamunye siqu sakhe

Ukuze abale ngokunembile lokho ebhange enenzuzo kakhulu kungenziwa, kumelwe uqale kusukela izidingo nemigomo yawo. Kuye eziza kuqala kuyoba izintandokazi ezahlukene ukuthi abantu abahlukile. Ngokwesibonelo, MLA ikhambi ekahle kulabo ukusebenza esikhathini esizayo. Igolide, ngokuba usemningi, njalo ukuthola ezibizayo, futhi intengo bengayi kuphela kabili, kodwa kathathu kule minyaka embalwa ezayo. isivuno kungenzeka umane asifani ne iminikelo ejwayelekile. Abantu abahlela afeze ukuthengwa kwemishini emisha, ukulinganisa umnikelo umthamo wemvula, njengoba ithuba ugcine ingxenye yale mali hhayi kuphela, kodwa futhi uthole iphesenti. ekuqongeleleni Simple capital kuyoletha izinzuzo esiphezulu kuphela ofeleba kwezinhloso zenzuzo.

Isilinganiso senzalo - ukunakwa esiphezulu

Evumayo iminikelo amabhange eMoscow nakwamanye amadolobha - akuyona ohlongozwayo lenzalo eliphezulu okufanayo. Kubalulekile ukwazi ukuthi CBR uvalwe ulawula leli isilinganiso, baligcine esitebeleni ucishe. Uma isikhungo sezezimali inikeza izinga oda eziningana ezihlanganisa ingaphezulu kuka emakethe yezimali, iyisiginali yokuthi yisikhungo sezinhlangano eziphambili zezezimali unezinkinga zezimali. ekuphathweni lesikhashana yethulwa kuleli izikhungo ukuthi uzama ukuheha abatshalizimali amadili uncharacteristically okukhulu.

Kungani kufanele uyeke kubhejwa enkulu emakethe?

Ukukhetha eliphakeme izinga kungenzeka emakethe idiphozi, futhi ungakwazi ke ungayiboni imali. kubhejwa Big zingase zinikeze amabhange amancane, okuyinto kuphela kuletha uyoke ucabange base iklayenti. Into esemqoka - ungaphuthelwa futhi musa ukutshala isikhungo kabani khona okungabazekayo. Ngemva kokutadisha daba, amabhange lapho iminikelo nenzuzo, kuba sobala ukuthi kungcono bavumelane isilinganiso senzalo ngebhange commercial isilinganiso by iqhakambisa ratio nenzuzo kanye ingozi. Usayizi elikhulu amacala ngo-2015 godu kuhluka 10% kuya ku 12%.

Idiphozithi lwemali isethwe

Isivuno idiphozi incike imali yayo. Ngokusho kochwepheshe, udinga ukutshala eyodwa yemali ngazo ukuba wachitha. Kungenjalo, ngenxa exchange rate uthuthumele abakwazi kuphela ulahlekelwe isithakazelo, kodwa futhi ukulahlekelwa imali. Ngokwesibonelo, singakwazi ukuthatha izimali yamuva abakhethe izimali enenzuzo kakhulu e-amabhange eMoscow in ruble, uhlela ukwenza ukuthenga kamuva ngesikhathi zamadola. Ukukhetha Uhlelo senziwa ikhumbula yokuthi lwemali kazwelonke ezifakwa eze iphesenti ephakeme. Ngenxa yalokho, i-normal gxuma izinga kulezi zinyanga eziyisithupha ezidlule, hhayi kuphela "ukudla" yonke imali, kodwa futhi ingxenye enkulu yenhloko-dolobha. Ukuze siphinde sithole elahlekile e dollar imigomo, kubalulekile ukuba utshale izimali ngaphansi 50% ngonyaka, okusho akunakwenzeka emakethe yasekhaya zezimali. Enokwethenjelwa kakhulu futhi inzuzo kubhekwe umnikelo kumadola ngoba lwemali iyona Reserve. Ngisho ne ekushintshashintsheni izinga ukhula, futhi ekukhanyeni yamuva kwezomnotho nethuba ukwehla yayo cishe nhlobo.

Yini idiphozi kungenziwa labizwa ngokuthi inzuzo?

Namuhla, ngaphansi kwesimo ekuncintisaneni okushubile emkhakheni wezezimali, amabhange eziningi ezinhle zenzalo yokuzigcina ezifakwa okunikelwe wonke amakhasimende akhe. Ngokuvamile, i-rate eliphezulu ingafihla izimali ezengeziwe noma izimo elawula lobambiswano. Ezinye izikhungo zezimali zingase ukuphuca ngokuphelele amaphesenti, ngisho amjezise for ekunqanyulweni kwanoma inkontileka. Lokhu kungenzeka kumelwe ziyithole. ukutshalwa kwezimali inzuzo Petersburg amabhange kudingeka uvumelane nezimo. Siyakwamukela: kukhethwa lwemali awubeke nezikhathi eziningana isitoreji, ukushaja kwakwakhe nesithakazelo futhi beskomissionnoe ukuhoxa esinqunyiwe. Lokho isinqumo wayeqinisile, nomnikelo enenzuzo kakhulu ebhange kumele kuthunyelwe emva luhlolo loluphelele lonke ulwazi liye akhethiwe.