Intengo dolobha: ubunjalo, izindlela ukuzimisela, inhloso, lokuphatselene nesihloko yokusetshenziswa

Capital, ngomqondo kwezomnotho, kusho hhayi kuphela ngenxa yomsebenzi ezezimali nezomnotho, kodwa futhi into ezimele, indlela ukwandisa isivuno sisiningi kakhulu khona ukubaluleka. Okungukuthi, ukuthola indlela dolobha akukwazi ngokunembile esifanelana ibinzana "imali kwenza imali". Njenganoma yimuphi ithuluzi imali, inhlokodolobha has yayo izindleko. Intengo capital kunqunywa ezicini eziningana futhi sokusebenza kwezimali.

Leli gama abasisi abaphumelelako ukuqonda ezingeni imali ozoyithola kutshalozimali kwezimali zabo. Ngamanye amazwi, intengo dolobha - yizinga imali kusukela nokubekwa capital investment kulindelekile zimali isikhathi esithile ukusetshenziswa izimali ezingeni njalo ingozi utshalomali.

Njengoba singabona, ku izindleko zemali yokuqhuba ibhizinisi kuthintwa izimo ezifana nalezi:

- ukubaluleka ukubuya ezitshaliwe okunye. Kungenze njalo ukuqhathanisa ezingeni elilinganiselwe inzuzo ukutshalwa kwezimali kwesilinganiso senzalo ku eside idiphozithi yanoma ngamabhange esifundeni;

- ukubaluleka izingozi utshalomali. Phela, ngokuvumelana izimiso ithiyori kwezomnotho kanye nokuphathwa kwezimali ze-riskiness aphansi zokubeka yiso kwamabhange, futhi ngokufanele - kanye nezinga eliphansi kunawo wonke nembuyiselo ekutshaleni imali. The ephakeme ezingeni of riskiness-investimenti, ayanda intengo yenhloko-dolobha. Ngakho-ke, ngifisa ukuba usheshe wenze imali eningi zisengozini kuka zimali abakhetha ngemali encane ayeyithola kodwa kancane futhi evikelekile kusukela izimali zabo.

Umsebenzi ebhizinisi kakhulu has a izinhlobo ezahlukene isivuno. Kuye kukhethwa uhlobo ngezimali incike intengo dolobha. Ngokwesibonelo, emthethweni noma izinhlobo elilinganiselwe ibhizinisi isiqinisekiso nenzuzo yokutjala, izikhathi eziningana mkhulu kunezinhliziyo inani lotshalo mali. Kodwa izinga lobungozi kuyinto ezimba, ngoba ngisho angase abhekane izinhlawulo lobugebengu. yezizathu zebhizinisi ezigunyaziwe kuletha esitebeleni imali yesikhathi eside, kodwa ngezinga ezincane.

Intengo Isilinganiso dolobha inqunywa ngokuthi amaphesenti ukubaluleka ukutshalwa kwezimali, ikhumbula ukutshalwa kwezimali isikhathi ibizwa ngokuthi isaphulelo. Indlela ukubala efana ukubala yebhange zenzalo, okuyinto, empeleni naye isaphulelo emalini etshalwe kwamabhange ngokusebenzisa ukudluliswa kwamalungelo ukuphatha izimali zabo professional zezimali emakethe abahlanganyeli - yisikhungo sezinhlangano eziphambili zezezimali.

Professional emakethe abahlanganyeli - izikhungo zezimali (amabhange, izinkampani zomshwalense, mutual funds, credit izinyunyana , njll) buthelela kusukela savers (zimali) izimali, zazo ifomu izikhundla, okuyinto classifiers ziyintengo futhi isakhiwo dolobha. Ngaphezu izikhungo zezimali, abatshalizimali ingaba njengesihluthulelo ngabanye, izinhlangano ibhizinisi kanye nabanikazi bazo. Inani etshaliwe yibo kuyahluka bokuhlukanisa libe nezici: isikhathi, ubungako kanye nezingozi.