Indlela reserve capital

umbutho nganye nekomkhulu yayo, nto leyo umiselwa umahluko phakathi mali zee-asethi namatyala lwangaphandle lweshishini. Oku kuquka amanye amacandelo. Ukongeza, loo nto isenokuba rhoqo okanye umahluko. Ngaphezu koko, inxalenye yayo Womendo ixhomekeke kwiziphumo yemali yesebe lilonke, kwaye ngeendleko zayo, uya ukudala eyinkunzi reserve a.

Ngenxa yoko, omnye ezinokuzuzwa nophuculo amalungiselelo koovimba kufuneka zizihlawulele ngokwazo ezingalindelekanga kuvela iindleko ezingalindelekanga ezibangelwa, umzekelo, urhulumente lobunzima. Oku kungenxa yokuba nasiphi na isigqibo wezoqoqosho ezingafani ezinxulumene ne engatsho, kunye ilahleko kunokwenzeka kwimisebenzi eqhubekayo. Kulo mzekelo, ilahleko nga kuxhokonxwa hayi iinjongo zabo kuphela, kodwa izinto ezikhathazayo.

Kungenxa yoko le nto ezinye iziphumo ezifunyenweyo kufuneka zifakwe kwi reserve ukuqinisekisa uzinzo kuphuhliso lwezoqoqosho lombutho. -Asethi kwiphepha lomncono , ezi amaxabiso reserved ibhalwe ejikeleza lwangoku, kodwa liabilities zijongwa akhawunti ibhalansi 82. Ngenxa yoko, amafa - i "abahluphekayo 'imali, nto leyo nayiphi na imeko akufuneki lincitshiswe. Oku wabumba yenzuzo. Xa inkcazo ingqiqo ka "zolondolozo eyinkunzi" kufuneka icaciswe ukuba - yinxalenye imibutho ngeniso ukuhanjiswa apho umnini kwishishini, okanye umthetho wabeka imiqathango kwiimeko yayo ukusetyenziswa. Kulo mzekelo, isixa notsalo yenzuzo kumiselwa ngabanye kwintlangano nganye.

Yonke imali eyenziwe ingeniso kwinkunzi engumbeko ziboniswe kwi-akhawunti 82 sokuthenga ngetyala kwaye bachitha imali yayo elikhankanyiweyo debit le akhawunti. Imbalelwano eyayibanjwe nge-akhawunti 84.

ingqalelo eyodwa kufuneka ihlawulwe umyalelo ukusetyenziswa kwemali, nto leyo ibandakanya reserve eyinkunzi. Ukumenywa ukuba ukusetyenziswa kwawo ngenjongo ngentlawulelo lwezabelo lokuhlawulela neentambo. Nangona kunjalo, i-logic elongamayo indawo isenzo esinjalo akwamkelekanga. Oku wachaza into yokuba ilahleko ngexesha le misebenzi, kufuneka kuqala ukubonisa kwi-akhawunti iziphumo zemali, aze ke kuhlawulwa yi koovimba eyinkunzi. Ukongeza, iNkampani reserve account mboleko eyinkunzi 82 unokuba isixa esikhulu ngokwaneleyo, kodwa eneneni imali esandleni kunye zebhanki akhawunti azifumaneki, ngoko akukho mbuzo intlawulelo lezabelo, kwakunye intlawulo izitropu.

Le reserve likomkhulu uluntu yenziwe ngohlobo charter yayo. Ngaphezu koko, ubukhulu ubuncinane kufuneka ungabi ngaphantsi kwe-15% ye-capital ngayo lweshishini. Ukuba umbutho kukho utyalo-mali lwangaphandle, ubungakanani reserve kufuneka zifike ubuncinane 25%. imali Reserve kwakhona ukuba ubukhulu ebekwe izityholo yonyaka ngummiselo ukuba ayikokubambana ngendlela. Kufuneka-5% of ingeniso net ezisele mbutho yokuchithwa emva kokuba kuhlawulwe yonke irhafu kunye namanye amatyala. Kwasekwa reserve nje ukuba babe nako ukukhusela ilahleko benkampani, i aqokelelwe ngomnyaka, hayi nayiphi na ezinye iinjongo. Kulo mzekelo, iintsalela ye reserve mali eyinkunzi ukuba angakhange zifuniwe, zidluliselwe kunyaka olandelayo.

Noxa kunjalo, reserve ukwakheka mandatory kuba yinqobo kuphela iinkampani zikarhulumente. Kodwa abanye abaninzi ukwenza oko. Noko ke, ukuze bakwenze oko ngokungqinelana nemigaqo-nkqubo yobalo okanye amaxwebhu abakhoyo. Le meko ngenxa yemithetho.