Imali ikheshi - ntoni na le nto, yaye isebenza njani?

imali ikheshi - iimali sayo, eyamisa emijelweni akhawunti zebhanki, abantu alinakunikezelwa ngokukhululekileyo ngokwasemzimbeni okanye ezomthetho kwaye kusetyenziswa ngabo ukuhlawula izinto ezithengwa, iinkonzo okanye iintengiselwano imali. Yibhanki imali turnover ngenene zonke iintlawulo ezenziwe ngaphandle engamaphepha eprintiweyo. Ngamanye amazwi, imisebenzi zemali kwenziwa zeerekhodi ezifanelekileyo iingxelo abangahlawuliyo kunye abamkeli ngaphandle kokusebenzisa imali.

Ndandisithi nenjongo non-cash

Imisebenzi imali non-cash akukho kwahluka iimpawu eziinkozo, ngoko injongo yabo luchazwa iinkalo ezintlanu:

1. ixabiso ngomlinganiselo. It senziwa ngexesha ukuyilwa kwamaxabiso, oko kukuthi, kwamaxabiso eemveliso, ezivakaliswe ngokwemimiselo yezemali. Ngenxa oku, impahla kuthelekiswa. Entengo baphenjelelwa kweemeko imveliso exchange. Ukuze bakwazi ukuthelekisa amaxabiso, kufuneka awazise zifana okanye iyunithi enye yokulinganisa.
2. Iindlela ejikeleza. Ukubonakaliswa ixabiso lempahla ngokwexabiso lemali eziyimfuneko ekuphunyezweni kwazo. Kwaye xa ubudlelwane lemarike exchange kweempahla kunye neenkonzo kunokwenzeka ngaphandle amalinge zemali bezingabhekiselelanga.
3. Iindlela intlawulo. Olu phawu ibandakanya yangaphambili. Ngophuhliso ngetyala ngakumbi Wazomeleza ngakumbi, kunye neentlawulo non-cash komeleza kuphela indawo yayo.
4. lokonga imali. Formation of a reserve
5. imali World, ezemali, esetyenziswa ematyotyombeni ngamazwe.

Avamise kakhulu kuqoqosho lwanamhlanje kuphela imisebenzi emithathu: njengendlela intlawulo, imali kunye neendleko ngomlinganiso. Kwaye imali njengolwimi wotshintshiselwano ukwehla ukuya kwisiqalo. Ubukhulu becala igalelo kule meko imali non-cash. Esi sixhobo liba izibalo ezininzi ezifanelekileyo.

Ukuqhuba iintlawulo ikheshi

Ngenxa yoko, ukuhanjiswa kwemali kunye nemali non-cash yahlukile kakhulu. Kodwa ke akukho nto kunzima kweentengiselwano non-cash. Indlela indlela imali non-cash kakhulu ngaphaya. Nje imali efunekayo liyasuswa-akhawunti enye efakwe kwenye. Loo ntlawulo akunakwenzeka ngaphandle inxaxheba beebhanki, kodwa ubukhulu becala lula ukuhamba imali. Akukho mfuneko yokuba izityhwentywe eziinkozo kunye ukuqinisekisa ukhuseleko lwabo. Le ndlela enhle izivumelwano.

Iintlobo kwentlawulo non-cash

imali ikheshi - ukuba imali, efuna ukusekelwa ekwimo obubhaliweyo:

• ukuze Payment. Olu xwebhu sinyanzela ibhanki sokutshintshela isixa wathi ukusuka akhawunti Mhlawuli kumamkeli.
• Ileta lwekhadi. akhawunti Special, nto leyo isixa esaneleyo ngokuhlawulwa kweempahla kunye neenkonzo ezithile, nto leyo idluliselwe umthengisi kuphela emva kokuba amaxwebhu axhasayo kuzalisekisa iimeko wo yingisela.
• ukuze Collection. Isetyenziswa yokuqokelelwa kwamatyala. Ummangali kufuneka ingenise ibhanki amaxwebhu ayimfuneko ukuqinisekisa ilungelo lakhe lokufikelela kwiindlela onetyala.
• Yetsheki. Olu hlobo kunganxulunyaniswa imicimbi yemali-ikheshi, ezezimali akukho mfuneko liguqulelwe umnini-akhawunti ka itshekhi kwingxelo owayephethe lokukhangela, kwaye inokunikwa eziinkozo, kodwa kuphela ukuba imali kuqhutyelwa umnini-akhawunti yetsheki.
• imali Electronic. Ezi ntlobo yokutshintshelwa ezingezo-mali lasebenzisa ngenxa yolamlo amaziko zemali kwaye kufuneka luthathele ingqalelo zonke iimfuno zomthetho.

Ulawulo ilawula intshukumo asethi non-cash basis of the Central Bank of the Russian Federation. Ngokuqhelekileyo, imisebenzi wenziwe akhawunti ngaphakathi lizwe, na ngeentsuku ezimbini zebhanki.

imali electronic

Kuba imali non-cash yaye sisetyenziswa ngokubanzi kwiminyaka yakutsha nje, imali-elektroniki. inzuzo zazo eziphambili kuthathwa ukuba ukushukumiseka. Kananjalo kusetyenziselwa ukuhlawulela iimpahla kunye neenkonzo. You sebenzisa ukuba nangaliphi na ixesha, naphi na. Imeko kuphela ukufikelela zezimali bubukho kwi Internet ezandleni zakho.

Ingeniso imali electronic kwenzeka ngokusebenzisa yolamlo iinkqubo zentlawulo ezahlukeneyo. Bayakwazi ukufaka nayiphi Imithetho ezongezelelweyo soNyango kwemali, kodwa ezi mfuno ezingangqubaniyo nemiqathango ebekwe yi-Central Bank. Enyanisweni, i-mali, njengoko kwezinye iintengiselwano non-cash zidluliselwa kwi-akhawunti enye ukuya kwenye.

Abemi ikheshi izibalo

Abantu basebenzisa ngokuchaseneyo imali amakhadi ngetyala, nto leyo, yena, debit, ityala, okanye ezahlukeneyo.

amakhadi Credit zibekwe izibonelelo zebhanki ezinikwe ngumxhasi phantsi kweemeko ezithile kwaye zifuna imali. Ukuba kukhululwe ikhadi lamatyala lukhangelwe kunye yokuhlawula amatyala bomntu isivumelwano apho zonke iimeko olumiselweyo ukusetyenziswa le mveliso mboleko.

imali adla ngokusetyenziswa nsuku zonke iintengiselwano: notsalo imali, intlawulo yeempahla, transfers imali. Kodwa oku kwenziwa kuphela ngaphakathi izimali mntu zabathengi, ngaphandle ukubandakanyeka mali yebhanki. amakhadi asetyenziswa kwiiprojekthi yemivuzo.

amakhadi Mixed enze imisebenzi efanayo njenge debit, kodwa ibe ovadrafti elithile, okt extra (credit) iimali. imali ekhutshwe ebhankini engaphezulu kubekiwe yibhanki ngokwahlukeneyo.

Ngokungafaniyo iintlawulo non-cash

Sonke siyayazi into yokuba ukusebenza ubalwe eyenziwa ngayo xa kukho imali. Iifom Non-mali yemali babe neempawu zabo.

Umahluko ephambili ilele phambi ebhankini. Ukongeza umthengisi kunye nomthengi, yonke imisebenzi zihamba kunye kweliso kwiziko lemali ukuvula i-akhawunti.

Ubuhle lobubi

Le nkqubo transfer iingenelo zilandelayo:

1. Yonke imicimbi engekenziwa ne-mali kwi-akhawunti zixhaswa iingxelo zebhanki, ukuze umkhondo abonise, xa kukho imfuneko.
2. Kukho ithuba kwiintengiselwano zezimali ngaxeshanye ezininzi makakubuze intlawulo yeefizi ezongezelelweyo kunye amthume.
3. Akukho kungenzeka kwi abaqashi indawo yamaphepha.
4. iindleko Ukuncipha yokugcina, accounting kunye nokuthuthwa imali.
5. lokugcinwa Unlimited yezezimali kwi-akhawunti yebhanki.
6. Akukho mfuneko yokuthenga nokugcina irejista imali.

Kodwa ndikho non-cash inkqubo izibalo kunye neengxaki, kubandakanywa:

1. Intlawulo sentlawulo ngeenkonzo ulamlo le bhanki.
2. Ingozi ukusilela sobugcisa iya kublokha imali kwaye kubenza nzima ukuba.
3. Imfuneko kwemali rhoqo lokuhlawula ngexesha iinkonzo zebhanki kunye nezinye izibonelelo ezisisiseko, kungelula namashishini abasakhasayo.

Nangona kunjalo, imali non-cash - yinto elula, kwaye le ndlela ekunene kwaye ukhetho izinto ezimbi ibhanki leyo kungakuncinane.