Uyini utshalomali

Uyini utshalomali? Namuhla lo mbuzo cishe akekho ungaqiniseki. Ukubusa ubudlelwane emakethe emnothweni yesimanje lisibeka imithetho sokusinda. Mhlawumbe yingakho kungenzeka inzuzo ngezimali namuhla bakhathazeke hhayi kuphela zezimali amandla wabathengi, kodwa futhi abantu abavamile obakhathalelayo kulondolozwe kanye nokwengezwa imali yabo.

Igama elithi "utshalomali" ngokwalo sivela elithi ngolimi Latin "ukutshala", okusho ukuthi "ukutshala." "I-Encyclopedia usomabhizinisi" ukuhlelwa S.M.Sinelnikova, eyanyatheliswa ngo-1994, linikeza impendulo elandelayo yombuzo "Uyini utshalomali": "Capital, ibekwe ngendlela izinkampani ngokomthetho yokuzijamela esikhathini eside noma ukuthola imali eyengeziwe, noma ukuthenga ithonya ... kanye izimali izibambiso. " Yiqiniso, uhlu izinto lekusisa yemali akugcini izinto ngenhla kwikhotheshini. Faka dolobha kule ekhethekile zifakwe ebhange, ukubolekisa, imishini, izinto ezisetshenziswayo kanye nobuchwepheshe, impahla noma amalungelo nalokho, kanye namagugu bokusungula namalayisense.

Njengoba ukumelwa imisebenzi kutshalozimali kanye nobukhulu emkhakheni ihlukile bacondze etindzaweni letehlukene ke ngetigaba lezi zimali ezifakiwe imali edingekayo ngemibandela eziningana.

Ngakho, kuye ngobude nalehleliwe isikhathi kokusebenza, ukutshalwa kwezimali kungaba zesikhashana noma eside. Ifomu uhlukanisa abanikeli impahla utshalomali omphakathi, azimele, angaphandle noma ngokuhlanganyela. Umhlobo iqhaza kumaphrojekthi inquma isiqondiso, okungukuthi, ukutshalwa kwezimali kungaba ngokuqondile (imali etshaliwe ngokuqondile project abahlanganyeli) kanye engaqondile (okubandakanya izimali khulula ngokusebenzisa ukudayiswa futhi kukhiqizwe ezihlukahlukene izibambiso, ezifana ukwabelana kanye zomculo efanayo).

Ngokuphathelene izinhlobo utshalomali, ngokomthetho, umsebenzi kwezomnotho nezezimboni zezimali amaqembu ezilandelayo:

- ukutshalwa yangempela (lokhu imali etshalwe amaphrojekthi eside, lokusho yokufuna ukukhiqizwa izakhiwo kanye impahla efana);

- zezimali (Kusho ukuthi ukutshala imali lezi izinhlobo imali ezifana izibambiso, debenture futhi imibhalo efanayo);

- amafa angaphatheki (ukuthi izimali ukuthengwa amalungelo angaphatheki ezifana amalayisense, patent nezinye izibambiso efanayo).

Ukubuyela zaba isihloko esivelele esihlokweni wukuthi ukutshalwa enjalo, ake sibhekisise ngalinye lwezinhlobo ngenhla kokutshalwa kwezimali.

utshalomali Real - kulula kakhulu ukuba baqonde indlela ukutshala, okubandakanya ukuthengwa ingcebo, isiqondiso imali busetshenziswa for ukuthengwa kwezimpahla noma amasevisi ngokuthenga izindleko Yiqiniso, enombono inzuzo. Sifisa osomabhizinisi ukhetha imisebenzi yayo utshalomali ngale ndlela, kufanele sikhumbule ukuthi lokhu wemboni nawo njengomnyango mkhulu kakhulu futhi kuncike ezihlukahlukene izingozi. Noma kunjalo, luhlala luwuhlamvu lunye we inzuzo kakhulu futhi zilwane avame ukusetshenziswa.

Ekuphenduleni umbuzo "Kuyini utshalomali imali", sisho iqoqo imisebenzi nezenzo owazenza izibambiso. Izimali ezitshaliwe e amanothi promissory, amasheya, amabhondi, izitifiketi yasebhange, ongakhetha, ukuvikeleka kwamasheya isimo, ikusasa, nje akuzona ukuthi ezinye, njengoba kokutshala imali. Ubuningi izinhlobo izibambiso kanye nobunzima ukusebenza nabo bonke akuyena ngaso sonke kukhanga ezingaba zimali. Yikuphi Yebo, iphutha, ngoba namuhla imali ukumnika izibambiso noma, njengoba zibizwa kanjalo, bohlu lozalo iphepha - uhlobo yimpumelelo kakhulu futhi inzuzo yomsebenzi ibhizinisi.

Ngokuphathelene amafa angaphatheki, utshalomali - ke izotshala ezikhungweni okungahambisani ezibonakalayo ezenziwa ngokungakhathali noma yangempela futhi awuthengiswa. Lezi kungaba ukutshalwa ucwaningo nentuthuko, amalayisensi, patent, izimpawu zokuhweba, ukuqeqeshwa, ukukhangisa, isofthiwe nezinye ezifanayo amalungelo empahla.