Iyiphi intsalela yebhajethi?

Umgaqo-nkqubo wezemali kunye nemali kwanoma yiphina urhulumente unikezela ukulinganisela kuwo onke amanqanaba ohlahlo lwabiwo-mali. Uhlahlo lwabiwo-mali luquka iziqendu ezimbini, enye yazo ibonisa yonke into engenayo, kwaye yesibini - iindleko. Ukuba inani leendleko lidlula kwinani lemali engenayo, ke le meko ibizwa ngokuba ngumlinganiselo webhajethi. Nangona kunjalo, i-surplus yebhajethi ingabonwa - ukusabalalisa kwenkxaso yengeniso ngaphezu kwecandelo leenkcitho.

Kufuneka kuthathelwe ukuba ukhetho olufanelekileyo kukuba, imeko apho iindleko kunye neendleko zilingana phakathi kwazo. Emva koko, kokubili ukusilela kunye nentlawulo yesabelomali isenzo sokuphambuka kwimimiselo. Nangona kunjalo, kunzima ukuzisa ingeniso kunye nenkcitho yempahla yezemali ngokulinganayo. Ngoko ke, ndifuna ukuhlala ngenyameko yenkcitho ngokubanzi.

Ukuba kukho ulwabiwo-mali kwilizwe, okokuqala, uhlahlo lwabiwo-mali lukhoyo mali.

Isaphulelo sebhajethi singaba neendidi eziliqela:

I-Active-ivela-xa ibonakala ngokuthe ngqo kokusetyenziswa kwemali ngaphezu kweerhafu zemali.

2. Ukungabonakali - kwenzeka ngenxa yokunciphisa izinga lokuhlawula irhafu nokunciphisa ingeniso yengeniso (ayinxulumene neendleko ezongeziweyo).

3. Ilahleko lohlahlo lwabiwo-mali luyabonakala xa uhulumeni uya kwandisa. Ukuze kuphuculwe umsebenzi wezoqoqosho kunye neemfuno ezihlangeneyo ngexesha lokuhla , urhulumente unokunciphisa irhafu okanye enze izigqibo ezizodwa ukwandisa umsebenzi (umzekelo, inkxaso-mali yokudala amathuba emisebenzi).

4. I-Tsiklichsky-ngokuqhelekileyo ayixhomekeke kumgaqo-mali welizwe. Ibonakala ngokunciphisa ngokubanzi kwimveliso eyenzeka kwinqanaba leengxaki kwaye yiphumo lophuhliso lwezoqoqosho.

5. Ixeshana elifutshane - ngenxa yokuxhaphaka kweendleko ngaphezu kwengeniso yonyaka omnye wezezimali. Ibonisa utshintsho lwangoku kwiimeko eziqhelekileyo zoqoqosho lwelizwe, ezingakhange ziqwalaselwe xa kubhala uhlahlo lwabiwo-mali. Phakathi kwezizathu zokuvela kwayo, ngokuqhelekileyo ziqaphele:

• Amava okubaluleka kwe-macroeconomic ngamagunya awanelanga.
• Ukuqwalaselwa kakubi kweenguqu ezinokwenzeka kwiimeko ezithile: ukwehla kwamanani okuthumela ngaphandle, ukunciphisa umkhiqizo, ukuhla kwezinga lemfuneko yeemveliso ezivelisiweyo, ukunciphisa ukhuphiswano lwayo, kunye nokwanda ngokukhawuleza kwintcitho karhulumente ehambelana nokunyuka kwamaxabiso.

6. Ixesha elide-limela ukwanda kwendawo yebhajethi kwiminyaka emininzi phakathi kwemali engenayo nenkcitho. Ukuvela kwayo kubangelwa zizizathu ezizinzile. Kwamazwe amaninzi oku:

• Ukwandisa umthwalo wentlalo kubhajethi.
• Isimo esingafunekiyo sabantu belizwe, ehambelana nokuguga kwabantu.
• Utshintsho kumthetho werhafu ohambelana nenkululeko yawo.
• Ukwandiswa kwetyala langaphandle .
• Ukufakelwa phantsi kwamanani amaxabiso (ngokusebenzisa ukufakwa kweerhafu zangexeshana okanye ezongezelelweyo, ukuthengiswa kwempahla yelizwe, ukuhlawulwa kwemali yomvuzo kubasebenzi beemibutho karhulumente).
• Inani elingenakubalwa kwicandelo likarhulumente loqoqosho.
• Amanqanaba aphezulu okunyuka kwamaxabiso.

7. Ulwabiwo-mali loqobo luyinto ekhoyo phakathi kwexabiso lokutyunjwa kunye nepesenteji zetyala likawonkewonke, elithandwa ngumlinganiselo wokunyuka kwamaxabiso.

8. Ulwabiwo-mali-mali, uhla lweentlawulo zenzalo kwi-inflationary part.

Kuwo nawaphi na umbuso, injongo ephambili yeqhinga kukufikelela kuhlahlo lwabiwo-mali olufanelekileyo, kodwa nangona, ngamanye amaxesha ulwabiwo-mali luba njengethuluzi esibalulekileyo kwimigaqo-nkqubo yezoqoqosho kwimigaqo-nkqubo yezoqoqosho. Yingakho ukusetyenziswa kwayo ngokufanelekileyo kuvumela urhulumente ukuba asombulule iingxaki zezoqoqosho nezentlalo. Into ephambili kukuba ilahleko akufanele ide.