Imali: iintlobo kunye neyona nto

Imali kunye nemali engekho imali, unokuthi, "igazi" loqoqosho. Balinganisa ibhajethi yelizwe kunye nenhlalakahle yeentsapho zabo. Ingundoqo kunye neentlobo zemali ziya kuchazwa ngezantsi.

Ngesinye isikhathi, amawaka eminyaka edlulileyo, kuluntu lwangaphambili kwakungekho ndlela yokuhambisa. Ubudlelwane bezoqoqosho babuncitshitshiswe kwi-sterling - "awl for soap". Kodwa ngokuphuhliswa koluntu kwavela ukuba akuzona zonke izinto ezinokufumana into enokulingana. Ngako oko, abantu baqala ukusebenzisa izinto ezenza njengomlambeli kwi-barter. Ngoko imali yokuqala yabonakala. Iintlobo zazo zahluka kakhulu. Indima yemali yayiyimpahla efunekayo kakhulu. Zizo: izilwanyana, iityuwa zetyuwa, iifurs ezixabisekileyo, amatye anqabileyo, izitya, izitya ezixabisekileyo. Ekugqibeleni ekugqibeleni kwagqitywa yonke enye imali. Iintlobo zeendlela zegolide nezesilivere zokuhambisa, ezazisetyenziswe ekuqaleni, ziyi-ingots, imihlobiso, imivalo. Iimali zeemali zemilawuli yabalawuli okanye oothixo, abaye banqulelwa ngabantu basekuhlaleni, babonakala kamva. Izityebi ezixabisekileyo zisetyenziswe njengendlela yokuhambisa, ngenxa yokuba zaziyimpahla engabonakaliyo kwaye azizange zitshintshe i-oxidation, oku kuthetha ukuba iimveliso ezivela kuzo zagcinwa ixesha elide.

Amaziko okuqala aqala ukwamkela imali kumdla, avela kuMbindi Mpuma, okanye ngokuthe ngqo - kwiBukhosi baseBhabhiloni. Ukugcina iindleko ezinkulu zegolide kwiindawo ezinokuthenjwa zikhuselekileyo kwaye zinenzuzo kunokuba zifihle izindlu zazo. Ibhanki eYurophu yaphela emva kokuwa koBukumkani baseRoma. Kodwa yavuselela emva kwemikhosi yokuqala . Ekuqaleni kwekhulu leshumi elinesibhozo, iibhanki zaseYurophu zaqala ukukhupha kwiifomethi zazo ezibonisa ukuba imali ibekwe njani kwiakhawunti yabo. Emva kwexesha, abafakela imali bafumanisa ukuba i-banknotes iyindlela yokuhambisa. Leyo mali yayilungele ngakumbi kuneengxowa zemali ezinzima kwaye ezinzima. Kwiminyaka edlulileyo, iibhanki zatshintsha indawo yegolide kunye nesilivere.

Ezahlukeneyo yimali. Namhlanje iintlobo zazo zihlukene kakhulu. Unako ukuhlawula iinkonzo okanye iimpahla kungekhona nje ngeebhanki. Ziziphi iifom kunye neentlobo zemali?

Umthetho-mali unyanzelekile ukuhlawula imali emva kwexesha elithile. Lo, njengomgaqo, awuqulethe ulwazi malunga nokugqitywa kokugqitywa. Imali-mboleko isetyenziswe kwimeko apho ukuthengwa nokuthengiswa kwenziwa ngeefowuni. Ngelo xesha, elinye lamaqela ekuthengiseleni liya kuhlawula ityala ngexesha elifanelekileyo. Ingxelo yebhanki, ngenene, i- debt bond engapheliyo egcinwe yibhanki enkulu yelizwe. Ikhonkco ngumyalelo wokuhlawula umlinganiselo othile kummkeli. Kwiminyaka emva nje, ngenxa yokuphuhliswa kweenkqubela phambili zesayensi kunye nezobuchwepheshe, imali ye-elektroniki ivele. Iintlobo zeendlela ezinjalo zokuhambisa: amakhadi eplastiki kunye neenkqubo zecomputer. Ezi zilandelayo ziquka i-Webmoney, i-Kiwi, i-Yandex-Money kunye nabanye. Iikhokhyutri ze-elekthroniki zinqatshelwe iphasiwedi kunye nokukhuselwa kwedatha Inkqubo ethandwa kakhulu kwaye inokwethenjelwa yeentlawulo ze-Intanethi okwangoku yiWebMoney. Ukuze uhoxise imali kwiWebmoney, kufuneka uhlole inombolo yefowuni. Oku kuyimfuneko ukuba ufuna ukuvula isikhwama kule nkqubo.