Ibhilidi yokushintshanisa: izinhlobo nezinhlobo

Kunezinhlobo eziningi zezinqolobane , sizocabangela ngokuningiliziwe eyodwa yazo.

Kunezinhlobo eziningi zokwahlukaniswa kwemithetho ekhokhwayo, kuye ngokuthi kusetshenziswe kanjani izindlela ezilandelayo, izinhlobo ezilandelayo zalokhu kuvikeleka zingahlukaniswa.

Kuye ngenani labahlanganyeli kukhona okulula (solo) kanye nokudluliswa kwemali (ibrafu) . I-Bill Bill inezinhlangothi ezimbili kuphela ephathini: umnikazi wezinyathelo kanye ne-drawer. Lo wesithathu ungumalimboli oye waba nesibopho sokukhokha imali ethile endaweni evumelwaneni ngesikhathi esivumelwaneni, kumnikazi wesikweletu. Uma ekusebenzeni okunjalo kukhona umuntu wesithathu (ukhokha), khona-ke umbuzo wesibambiso sokushintshaniswa. I-drawer idlulisela isibopho sokukhokha imali kumkhokheli (umshayeli), okumele akhokhe nge-payer (umnikazi wesikweletu).

Isivumelwano sokushintshanisa singase sibe nokubamba iqhaza komuntu owodwa, ababili, abathathu noma ngaphezulu. Kukhona amacala lapho i-drawer ikhetha umamukeli wemali uqobo noma ukuthi ngubani ozoyilandela kamuva. Inzuzo enkulu yezikweletu zokushintshanisa ukuthi baxazulula inkinga yokudlulisa imali phakathi kwamazwe. Lolu hlobo lwezimfihlo lunamakhophi amaningana, lapho kwenzeka ukulahlekelwa okwangempela, angase asebenze esikhundleni: ikhophi yokuqala noma yokuqala - ebhaliwe, yesibili - yesibili, yesithathu yesithathu.

Kuncike ekutheni ukuthengiselana, ukuhweba (impahla), i-treasury, ibhange noma inothi lezimali kunikezwe. Isimali sikaMgcinimafa sikhishwa uhulumeni ukumboza isabelo sezimali. I-bill yezentengiselwano iyithuluzi lesikweletu, ngoba isikweletu sezohwebo sincike ekubolekeni kwemali . Ukuphepha okunjalo kungase kusebenze ekuthengisweni kwempahla, lapho kusebenza njengesimangalo semali ezinhlobonhlobo zezinto zokuthengisa izimpahla. Ibhilidi yasebhange kaningi ifomu lokufaka imali, futhi lisetshenziselwa ukuthengiswa kwezimali ezehlukene. Kulula ukuthola ibhilidi yezimali ebhange, okudingeka ukhokhele ibhilikhithi emnyangweni wezezimali, futhi ibhange lizokhipha inkokhelo yesikhathi esiyizinsuku ezingu-1 kuya ku-270.

Umthethosivivinywa webhange, futhi, uhlukaniswe ube yisithakazelo kanye nesaphulelo se-Isaphulelo. Inkokhelo yesithakazelo ifana nokubolekwa kwemali mboleko: ithengiswa ngenani elikhethiwe lokubiza, futhi libuyiselwa ngentshisekelo "edonswa" ngosuku oluthile ngesilinganiso esinqunyiwe kumthethosivivinywa. Izindleko zemali ezithengiswayo zithengiswa ngesaphulelo noma isaphulelo, futhi zihlengiwe nge-par. Izikweletu ezithinta inzalo "zithengeka kakhulu", njengoba iBhange Elikhulu libala inani elizobhekana nenani, futhi intela engenayo etholwa ngenzuzo yenzalo noma izabelo ze-15% kuphela, kanti imali engenayo kusukela ekuhlukeni kokudayiswa intela ku-35%.

Kuye ngokuphepha kunezitshalo ze-bronze, ezithintekayo futhi ezinobungane. Okuthakazelisayo kakhulu ibhilidi lethusi elingenawo ikhava yempahla, ayihlanganyeli ekuthengisweni kwangempela, ayikho isibopho sezezimali, futhi ekusakazeni kwayo umuntu okhohlisayo uhilelekile ngempela. Umthethosivivinywa onobungane uwukuphepha abantu ababili ababhala kuwo ukuze baqoqe izimali ebhange ngaphandle kokuhamba kwezimpahla.

Ngendlela yokudluliswa kwezikweletu zingase zibe nomthengisi, ukuhleleka nokuqokwa. Kusukela kumagama ezinqolobane kucacile ukuthi zingadluliselwa kanjani kusuka kudraki ukuya kumnikazi wezinkokhelo. Izincazelo zidinga kuphela i-warrant bill. Kuyinkomba yesiginesha sokudlulisa.

Inkokhelo yokushintshanisa ngaphambi kwedethi yokukhokha ingadluliselwa kumkhokheli ukwamukelwa. Ukwamukela umthethosivivinywa kusho ukuthatha isibopho sokukhokha lokhu kuvikeleka ngaphakathi kwesikhathi esibekiwe kuso. Uma umkhokheli enqaba ukwamukela, inkokhelo yokushintshaniswa ikhonjiswe ngumbhali wesaziso.