Indlela wesabelo uqikelelo. Ukuhlela inzuzo mali

Indlela wesabelo nolwemozulu nebhajethi ityala iphunyeziwe kwimeko iminikelo ethile ngokunxulumene apho ulawulo unalo igunya umlawuli oyintloko kwemali. Isetyenziswa ukuhlalutya umda we-mali ekulindeleke ukuba zifunyenwe kwi-mali olandelayo, abemi, imibutho kunye namaziko. Ulawulo yenza isigqibo malunga imvume yendlela ingeniso uqikelelo.

Le ndlela yokubala

yocwangciso ingeniso mali ikhutshwa phandle:

1. ukubala ngqo. Le ndlela isekelwe kusetyenziso ngqo ukubakwi parameters (iindleko kunye isambuku) lizinga lenzala kunye nezinye izinto ezibonakalisa ixabiso-mali ekulindeleke.
2. Avareji. Le ndlela iingeniso nolwemozulu ukuya waqonda ngokwesiseko ekubaleni umthamo avareji kwentlawulo kwithuba elingekho ngaphantsi kwe-3 iminyaka okanye lonke ixesha wemvula kaNondyebo MO ukutsala ezifanelekileyo iintlobo, ukuba ngaba ngaphezu kweminyaka emithathu.

Ulawulo ungabonelela kwezinye iindlela yokubala.

izigaba iintlawulo

Indlela iphuhliswe lungeniselo nolwemozulu ukuya mali esetyenziswa ekubaleni i kulindeleke:

1. Drawdowns evela sokuqeshisa izinto eziphathekayo kutshintshelwa oorhulumente sobummandla kunye namaziko elisekwe kubo kulawulo zokusebenza. Le ngaphandle yipropathi imibutho mali lokuzimela kwaye kamasipala.
2. Irenti, imali evela kwintengiso amalungelo zokuqukumbela izivumelwano okutshintshela umhlaba yona impahla iiyunithi yolawulo-ndawo ukubayinxalenye kwiSebe lezoKhuselo. Ezi nketho kukho iziza izakhiwo zohlahlo lokuzimela kwaye kamasipala.
3. Ezinye iimali zitsalwe ukusebenzisa ii-asethi eziphathekayo, eziyiyo impahla iiyunithi yolawulo-zendawo, zifakiwe kwi-Ofisi yoMphathiswa lezoKhuselo. Le ngaphandle yipropathi amaziko lokuzimela kwaye kamasipala mali, ecalanye, karhulumente kuquka amashishini.

Kuba uhlalutyo elilindeleke kwentlawulo yesixa-mali kusetyenziswa indlela ingeniso zentelekelelo, ngokusekelwe iindlela ngqo kunye avareji ukubala.

irenti

Revenue ukugxila ubuchule ibandakanya ubalo-mali enokuthi kuluhlu abasebenzisi komhlaba ukuza kulo nyaka-mali. Ukuze wenze oku, sebenzisa i equation zilandelayo:

A = C x P, apho:

• Irente - A;
• ixabiso lemarike sicinywa - C;
• Central Bank mboleko rate - R.

ixabiso isabelo uzimisele isekelwe kwi uvavanyo akenzanga ngaphezu kweenyanga ezintandathu phambi wokutyikitywa kwesivumelwano sokuhlala. Isixa kulindeleke ukuba zibanjwe, ukuba ukusetyenziswa kakuhle kweepropati, kwakunye nolawulo zokusebenza, ibalwa ngolu hlobo lulandelayo:

AI = (Su + AItg + Cc) x R, apho:

• ixabiso lwepropati yerenti, kulindeleke ukuba babhalise kunyaka ozayo - AI;
• isixa-mali esiqikelelwayo kwixesha langoku - Aitg;
• isixa ukuncitshiswa ezitsalwa ngenxa unciphiso isithuba esishiyiweyo ukusetyenziswa kunyaka ozayo - Cc;
• isixa sokukhula kwingeniso impahla ngokunxulumene kulindeleke ukuba sinyuke kwiisayithi, waqeshisa kwisithuba - Su;
• kulindeleke lomlingani deflator, nto leyo isetyenziselwa ukuhlawula umlinganiselo ukuba ukusetyenziswa kwempahla ezibambekayo kunye nexabiso lazo elithelekelelwayo kunyaka ozayo - K.

Ukubala inani lilonke le mali kwi uqikelelo kwixesha ubuchule ingeniso inika equation kulandelayo:

Kum (p) = (Kum (t) + Kum (t-1) + Kum (t-2)) / 3, apho:

• imali yerente impahla kunye nelizwe - Kum (p);
• Kum (t) ... Kum (t-1) - indlela eyiyo (estimated) Ixabiso intlawulo yonyaka iminyaka 3 owandulela elizayo.

Umdibaniso evela kwintengiso aseti eziphathekayo

Revenue ukugxila ndlela inika fomyula ilandelayo ukubala:

RI = pl x Cm, apho:

• imali evela kwintengiso - RI;
• avareji yeendleko 1 macala onke. . M impahla, emiselwe iziphumo yeefandesi ihlelwe kwixesha eliphambi yokuhlala - Art;
• indawo ezakhiwe, izakhiwo, izakhiwo ukuba kuthengiswa kunyaka ozayo - PL.

Ukubala umthamo izixa ngexesha yokucwangcisa kwenziwa ngokusebenzisa i equation kulandelayo:

RI (p) = (RI (t) + RI (t-1) + RI (t-2)) / 3, apho:

• RI (t) ... RI (t-2) - eqikelelwa (abona bagqibileyo) Ixabiso intlawulo yonyaka iminyaka emi-3 ngaphambi elilandelayo.

imali engekho mgaqweni

I-avareji ukugxila ubuchule kweerisithi ingeniso non-yerhafu esetyenziswa ekubaleni i iintlawulo ezilindelekileyo iphunyezwe unsystematically. Idatha zokuqala ezi imiqulu ngonyaka iimali ezihlawuliweyo ngexesha kwiminyaka emithathu edlulileyo. La manani zithathwa iingxelo malunga nokuphunyezwa kwe imigca mali (f. 0,503,127). Kudidi non-esisigxina kubandakanya inani:

1. Imali yokubhalisela le ukuphunyezwa ezenzo notarial ngabaqeshwa-arhente karhulumente weengingqi enolawulo, ngokungqinelana nomthetho Russian.
2. Ukususela ukulahlwa kunye nokuthengiswa athimba kunye nezinye izinto eziphathekayo, aguqulwa abe zokuhlala ezingenayo.
3. Imirhumo State lokubonelela imvume eyodwa bendawo ufuduke yezothutho ezindleleni, ekuqhubeni ukuthuthwa enkulu, iimpahla enzima / yingozi.
4. Eyabekwa Amaqumrhu karhulumente wephondo nowengingqi ekwenzeni imisebenzi ethile.
5. Ukususela izohlwayo yemali-sanctions imithetho zemali.
6. On imbuyekezo ngomonakalo ekungenwe ngenxa yokusebenzisa okanye ukusetyenziswa ngokungafanelekanga yamacandelo olawulo asekuhlaleni.
7. Ukususela nokuqokelelwa izohlwayo sanctions izenzo emisiweyo ye-Russian Federation kwindlela ikhontrakthi ekuthengweni kweenkonzo, impahla, imisebenzi ukuqinisekisa ukuba iimfuno zikamasipala kunye karhulumente.

ifomula

Iindlela non-kwerhafu yengeniso nolwemozulu inika indlela ilandelayo yokubala:

P = (P (m) + P (m-1) + P (m-2) + P (m-3)) / 4, apho

• P (m) ... P (m-3) - ixabiso kanye izibalo ifunyenwe kwixesha lokunika ingxelo 3;
• P (m) - inani eliqikelelwayo mali kulo nyaka umiyo.

Lo mzobo yokugqibela ibalwa ngolu hlobo lulandelayo:

P (m) = (Ro (m) / k) * 12, apho:

• Ro (m) - ixabiso kanye izibalo afunyenwe kwixesha eliphela kwi kulo nyaka;
• ku - inani leenyanga kwexesha lokunika ingxelo kulo obuchwepheshe ogqityiweyo. nyaka.

Ukumiselwa kwe-mali zizonke mali echazwe ngasentla kwisithuba oluzayo iveliswa ngokusebenzisa i equation ilandelayo:

P (p) = (P (t) + P (t-1) + P (t-2)) / 3, apho:

• P (t) ... P (t-2) - eqikelelwa (abona bagqibileyo) ixabiso le mali yonyaka efunyenwe ngexesha kwiminyaka emithathu edlulileyo eqikelelweyo.

imali yesibonelelo

Imiqulu imali efunyenwe mali yengingqi, kulindeleke ngokungqinelana parameters ebekwe phantsi imithetho isifundo okanye amagunya imigaqo. Ixabiso kwemali non-ehlawulwa kwi-mali yengingqi, kulindeleke ukuba ingabalelwa iya kubalwa ngokungqinelana amaxabiso ezicaciswe kule isigqibo malunga nokuqulunqwa kwenqaku izinto zemali kwixesha elizayo.

isiphelo

Izulu iingeniso mali kubaluleke ngokukodwa zokuhlala zasemaphandleni. Ukusebenzisa embodiments ezahlukeneyo ekubaleni, ulawulo bangahlaziya isixa-mali nto leyo ekuchithweni kwayo. Oku, sinika isicwangciso iindleko thuba. Calculation kuthetha landulelwa kuhlalutyo volume ezilindelekileyo iimali ezifunyenweyo ngaphambili. Ngokuhambelana kunye neziphumo zovavanyo, ulawulo uyakwazi ukuchonga iindawo nathembisayo inkcitho yezimali, ukusetyenziswa kwepropati, iiyunithi ezizizo zolawulo-lomhlaba nolawulo zokusebenza amaziko kunye nosomashishini. Kakuhle kusetyenziswa iindlela zohlalutyo kunye nokubalwa onokufikelela ukuzimela kwisibonelelo zommandla kamasipala.