Iintlobo zolawulo lwezimali

Control - oku ngomnye weyona misebenzi iphambili yonke inkqubo yolawulo, yaye nayiphi na imigangatho yaso. Oku kwenziwa inxalenye ahlukeneyo umsebenzi inkampani, apho ngokuxhomekeke bekela efanelekileyo iimbono zakhe abameleyo: umzekelo, iindidi zolawulo lwemali kunye nabanye.

Ukuphicothwa Finance, ukuba umzimba imisebenzi yabo zokusuphavayiza, kuyimfuneko kuluntu esekelwe kubudlelwane emveliso-mali. Ngokwendalo, indima ekhethekileyo esweni yokuhamba kwemali kuqoqosho emarikeni.

ulawulo lwezemali kubaluleke kakhulu ukuqinisekisa ukusebenza oluthembekileyo yonke le nkqubo nokhuseleko, luyaqaliswa yi-nkqubo efanelekileyo karhulumente.

Iinjongo kunye, ngokufanelekileyo, imisebenzi yolawulo lwemali ibonisa imixholo yawo. Zazo eziphambili injongo - to kokufumana ngexesha yonke ingcaciso efunekayo kwinkqubo yolawulo lwemali kuwo omabini amanqanaba (nama- macro), kwakunye ukunyhashwa ezichongiweyo. Ngenxa yonke ingcaciso ayifumene, kunokwenzeka ukuba ukuthatha izigqibo eziyimfuneko ukuze ulawulo lwezi nkqubo. Kwaye waqonda ukuba imisebenzi nje nokuphicotha oko kwenziwa ingqukuva.

Xa intliziyo mbutho kunye nokuziphatha zophicotho zemali imigaqo ethile yolawulo lwemali. Ezi ziquka:

• ukufaneleka - sikhokelo esemthethweni ekhoyo, eqinisekisa nakuphunyezo lolawulo;

• Ukwenza - engekho calanye kunye nokunyaniseka izigqibo;

• ukuzimela - kuqinisekiswa imithetho esebenzayo;

• abantu - ukufikeleleka iziphumo ulawulo, ngokuxhomekeke kwimithetho kunye nemigaqo enxulumene karhulumente kunye nezorhwebo iimfihlelo;

• uxanduva - sengqondo emkhosini kunye nokusebenza nabasebenzi iliso imizimba imisebenzi yabo;

• kucaciswe imiyinge imisebenzi kunye noxanduva - libonisa ukunqongophala ukudibana phakathi kwimibutho eyahlukeneyo regulatory;

• inkqubo - ithetha isiseko olunye zomthetho kunye nolawulo rhoqo ekuqhutyweni izinyathelo eziphathekayo zemali.

Iintlobo zolawulo lwemali ugqitywa ezahlukeneyo iparameters.

Ukulawula kwaye ezilawulwayo inxibelelanisa ezimbini uhlobo lwazo;

• inkangeleko, leyo karhulumente, uluntu kunye nolawulo uphicotho-zincwadi okanye inkampani;

• lwangaphakathi, okt kolawulo imizimba nomzali-kumgangatho osezantsi, ngo-nkonzo umsebenzi, ngenxa eqinisekisa ukusebenza kakuhle kwe-mbutho.

Ngokutsho msebenzi zemali ukwahlula ezi ntlobo zilandelayo zolawulo lwezimali;

• irhafu - le nkqubo ihlola ukungqinelana nomthetho, ubalo oluchanekileyo irhafu, kwakunye nezinye iindidi zeentlawulo ezinyanzelekileyo, hetiseka nexesha intlawulo yabo;

• Uhlahlo - a uhlolo weendawo kunye nophicotho ebanzi, eziqhutywa ukuba esweni ingeniso-mali kunye nemali ukusuka off-lwabiwo mali karhulumente kunye nokusetyenziswa yabo kwezo;

• bank - unegunya lokulawula iqondo ucikizeko lwezi ndlela yokusetyenziswa mboleko ekhutshwe ebhankini, injongo yayo yokugqibela kukomeleza ngokubanzi kunye nenkxaso ingqeqesho intlawulo;

• Monetary - ejoliswe ekuqinisekiseni ukuthotyelwa kwemithetho ekhoyo yentengiselwano nokufumaneka efunekayo kule mvume neemvume;

• inshorensi kunye nabanye.

Kwaye ekugqibeleni, kukho iindidi zolawulo-mali ngexesha lokuphunyezwa:

• pre - enze phambi kokwenza nayiphi na imicimbi enxulumene mali emali, inceda ekunqandeni Kukwaphula ingqeqesho mali;

• olusebenza ngoku okanye - zisebenze ekwenzeni imicimbi yemali;

• ukulandela - wenziwe emva ukuphunyezwa imicimbi yemali kule meko ixhomekeke iqondo ingqeqesho zemali, ukunyhashwa kunokwenzeka kwaye amanyathelo afanelekileyo ukuphelisa kubo.