Imali. Iintlobo imali injongo yabo

Abantu basebenzisa imali kangangamawaka eminyaka. Ngeli xesha elide, inkqubo yemali unenzondelelo iinguqu ezininzi. Ukuba ngenkulungwane XIX indlela yokuhlawula ebezisoloko materializes, kwinkulungwane yamashumi amabini, imali (iintlobo zemali kuxoxwa ngezantsi) aba khona kuphela izinto ezibonakalayo.

Ekuqaleni, imali eza ngokohlobo zemali, kwaye oko kumaxesha amandulo. Olu hlobo ngendlela ntlawulo Nangoku ngaphandle kwegazi. Kamva, xa kumiselwa imali metal yasungulwa iphepha. Kodwa iinkozo bathabath ngokusebenzisa amahlelo gu ngokupheleleyo. Kangangexesha elide baba eziphambili iintlobo imali, nto leyo eyayikho ngaxeshanye.

Namhlanje, kukho iintlobo ezintsha abangathathi intlawulo, kodwa ke kunjalo amanqaku kunye eziinkozo azikho aphume ukusetyenziswa. Baya basaqhubekeka ukuba bazalise izipaji kunye neepokotho abantu abaqhelekileyo.

Kule mihla, iingqekembe etyhidiweyo zisasebenza, amanqaku amaphepha, ngekhompyutha kunye nemali mboleko. Ukukhethwa ngendlela ntlawulo zahlukahlukene kakhulu, kodwa ubuntu babo esisiseko kuhlala ingatshintshanga.

Yintoni ukusebenzisa imali namhlanje? Iintlobo leengcali imali emarike zezimali yohlulwe ziindidi ezi-4:

• emveliso;
• ngetyala;
• sekulungisiwe
• fiatnye.

imali yorhwebo

Ekuqaleni, imali ivele ekuhlaleni wokwenene zendalo. Oko kukuthi, umsebenzi yabo impahla nezingasetyenziswa njengomlinganiselo sisananelo kwezinye izinto yenziwe. imali yorhwebo ingaba izikhumba zezilwanyana, amaqokobhe, neyeeperile, enkulu ngakumbi, ukuba ixabiso ethile kwinkampani kwabantu. Lo thenda enye ethile - iintlobo enkulu kakhulu kwindalo.

Emva ingqekembe wabonakala inazo iziphene ezinjalo, kodwa ezinxulumene nemali yorhwebo. Ekuqaleni, zazenziwe ngegolide, isiliva kunye nezinye zesinyithi. Kulula ukunyibilika kwaye wenze ngabo, ezifana izacholo.

iintlobo imali yorhwebo ezikhoyo namhlanje. Umzekelo, imali enjalo entolongweni kunokuthathwa icuba, esebenza njengendlela sentlawulo.

imali elihambisana

Udidi elandelayo - yanika imali. Iintlobo imali kolu didi ayimveliso (izatifikethi, imiqondiso), nto leyo enokuthi kwaneso isixa esithile ngentsimbi anqabileyo. Loo maKristu abizwa ngokuba leengxoxo okanye representational. Enyanisweni, ukuba abameli orhwebo ngendlela intlawulo.

Kukho ingcamango yokuba indawo imbonakalo yazo kokuqala yaba Sumerians yamandulo. Kwenyuka imifanekiso ngodongwe elinyukayo iigusha neebhokhwe ukuba kuthengiswa izilwanyana ngokwenene kwimfuno.

Siqwalasela ubonelelo ngemali ekuqaleni kunye yamaphepha de bagqiba isixa ezithile zemali yesinyithi. Namhlanje, umgangatho igolide irhoxisiwe. imali iphepha imali yokomfuziselo, nangona igama labo liyalondolozwa.

Explorer Marco Polo wazisa ukusuka eTshayina ukuya eYurophu ngenkulungwane XIII, iindaba ukuba imali iphepha sele yasetyenziswa kangangeenkulungwane yi-Chinese. BaseYurophu ngelo xesha le ngqekembe kuphela ukusetyenziswa. Kuphela yesi-3 emva koko eYurophu baqonde ukuba usizo kanye lula amatyala olubekwe yi ngegolide bakhonza.

imali fiatnye

Kwenye imali fiantnye ekuthiwa imali umqondiso, hayi yokwenene, wayalela iphepha. Le indlela intlawulo besingaziphathanga nto ebambekayo, kodwa yamkelwe intlawulo yeempahla kunye neenkonzo. Fiatnymi yonke non-cash and imali ngekhompyutha, kwakunye nezixhobo ulele akhawunti zebhanki, kwaye imali iphepha ezingxoweni zethu izipaji. Abanye abaphandi babe noluvo lokuba kungekudala abantu baya kuyeka ukusebenzisa imali kwephepha.

Abantu abaninzi namhlanje bakhetha ikheshi indlela yokubhatala. Isebenzisa amakhadi kuphela, kodwa kwakhona iintlobo imali elektroniki, ezo accumulated kwi izipaji yenyani.

yokubolekisa ngemali

Kukho udidi oluthile lwabantu abakhetha ukuhlala ematyaleni. Mhlawumbi bona yayiyilwe yi enye indlela yentlawulo - imali mboleko. Iintlobo kolu didi yemali eneneni bamele ngendlela ethile zinokuhonjiswa ityala. Babheke ngokwahlukileyo. Ingaba ikhadi lebhanki letyala, ngetsheki okanye qaphela promissory. Imali ngohlobo ityala ekhutshwe namhlanje okuqhelekileyo zisetyenziselwa okuhlawulela iimpahla neenkonzo cishe yonke indawo, kancinane imali. Olu hlobo iindlela kwakugcwele usengozini kunye umgibe nasengqondweni. Oku kungenxa yokuba kunokwenzeka ukuba ukuthatha imali kwi-akhawunti ngayo nayiphi na imali, kodwa ndikubuyisele ukuphatha ukuba wonke.

Evolution of imali - ngesihloko umdla kakhulu. Yintoni eza kwenzeka kwixesha elizayo, uya kukuxelela ixesha. Nangona yokuduka indlela eziphathekayo sentlawulo indawo yabo fiatnye kwaye abolekisa ngemali ukuba yokuqikelela ixesha elide, amanqaku amaphepha kunye iinkozo lisebenziswa kwaye ungalinikeli kwizikhundla zabo.