Iingozi zemali kunye neentlobo zabo

Naliphi na ishishini - ishishini yingozi. Ukuze ukwazi njani ukuba asongele entrepreneur, kufuneka sifumane ukuba yintoni na ukuba kukho imingcipheko.

umngcipheko Financial - kukuphelelwa lombutho kwepropathi yabo kunokwenzeka, bafumana imali ngaphantsi kwe izicwangciso, okanye ukuyilwa iindleko akucingeleki, njengoko ngenxa yokuqhuba yokusebenza kwemali kunye nokusebenza. Ezi iingozi kakhulu ezahlukeneyo, kunye nokulawula kakuhle, kubalulekile ukuba mabazihlele.

Ngokutsho neqondo ukukhululwa ezisemngciphekweni:

- esebenzayo - izinto ilahleko kwi-mali engadlulanga nzuzo (okufana naliphi na ishishini, na ukuhamba uphawu yonke imihla);

- ezibalulekileyo - luphawulwa lahleko ezinjalo, apho iimali utyale imali yeprojekthi ethile okanye ukuthenga na ihlawulelwa;

- ezinkulu - buso okanye epheleleyo ilahleko ngusomashishini propati okanye inkampani (isiphumo ungonakala).

Cinga iintlobo eziphambili lomngcipheko wezimali:

1. Risk Market ichaza amathuba yokunciphisa lixabiso le asset ngenxa yotshintsho ixabiso zemali, izabelo, iibhondi, inzala kunye nezinye izinto.

2. Credit (ezivenkileni, ibhanki), ubungozi zemali - isisongelo amahlakani engagqibekanga buso okanye epheleleyo okanye amanye amaqela kwisivumelwano. Ukuze kuyibiyela nxamnye lo mngcipheko, kunokwenzeka ukuba nomtsalane nakumqinisekisi oya kuthwala ubutyala ngokuhlangeneyo kunye banamatyala.

3. Irhafu - umngcipheko zemali, apho ilahleko enokwenzeka ngenxa ukusuka utshintsho kumthetho yerhafu, mhlawumbi ngenxa yokubala olungachanekanga iintlawulo yerhafu ngumrhwebi. Ukuze uzikhusele oku, kufuneka usebenzise iinkonzo-zincwadi yobungcali.

4. Investment iingozi zemali - Iilahleko ezivela kwimisebenzi yotyalo-mali. Ukuze siphephe iingxaki ezinjalo iinkqubo zotyalo-mali kunye nomphathi mali.

5. Idiposithi - ezinxulumene kunye nokungakwazi ukubuyisela iidipozithi bank idipozithi. iingozi ezinjalo zisisiphumo ukhetho ephosakeleyo ebhankini, ngoko kuyimfuneko ukuya ngalo mba ezinzulu kangangoko kunokwenzeka.

6. umngcipheko kwamatyala - ilahleko apho akhiwa ngethuba ekuqhubeni iiprojekthi zotyalo-mali ngenxa yeenguqu kakhulu kuvavanyo lwabo esemgangathweni.

7. Iingozi zemali Operating - kwakheka ngenxa yeziphoso zobugcisa imisebenzi zemveliso, zikaxakeka, izenzo ngabomi okanye ngempazamo abasebenzi, izixhobo ukungaphumeleli, njl

Ngokusekelwe imihlaba ubungozi yahlulwe bangaphandle (elizimeleyo lombutho) kunye nabantu abangaphakathi (ukubonakala kwazo kungenxa umsebenzi inkampani). Imeko lwemingcipheko lwangaphakathi ngempumelelo ukwakha asethi, abasebenzi abanamava zesebe zemali, abalinganiswa engachanekanga amaqabane ezoshishino kakhulu ngakumbi.

Kwakhona, iingozi engalindelekanga kwaye unokuxelwa kwangaphambil. Kuba ixesha ezi zisenokuba:

• Rhoqo - ezinxulumene exposure kwizinto esisigxina zikhona kulo lonke ubomi kwishishini, okanye ixesha isasebenza.
• Okwethutyana - kukho nje zikumanqanaba ezimbalwa ngokusebenza, yahlulwe kwixesha elifutshane nelide.

Kunye nemingcipheko ngemali zihlelwe ngokusekelwe izibonelelo zabo ngolu hlobo lulandelayo:

1. umngcipheko imisebenzi ethile kwenziwa. Ziquka zonke iingozi zemali ezivelayo isenzo esithile.

2. Imimandla ezahlukeneyo zemisebenzi yezoqoqosho.

3. Imisebenzi zaloo mbutho uwonke. Lubonakala ngokuba lonke uluhlu imingcipheko evela ukusebenza yenkampani.