Imali, Personal Finance
Share igalelo - yintoni na le nto?
Ukuze kuphunyezwe iinjongo ezahlukeneyo zoqoqosho nezentlalo (ulwaneliseko izinto kunye nezinye izinto), abantu kunye nemibutho yonke ukudala imibutho esekelwe kobulungu, - iintsebenziswano. Xa kurhwebo kwezoqoqosho, ukuba amandla lesithathu kwaye okunye amacandelo karhulumente kunye nawabucala. Op udale ubuhlobo oluthe ngqo iimfuno zoqoqosho (okanye ezinye) amalungu ayo.
Kuba ukuyilwa yombutho kwaye ukufikelela kwiinjongo zalo kudala isiseko oluthi luqokelelane yimali samalungu. Olu hlobo utyalo-mali olungqalileyo, ebizwa ngokuba "isabelo umnikelo." Le imali yokufaka zabelo (abathathi-nxaxheba) kwizigaba ezahlukeneyo ukuqinisekisa ukuba yitshata imisebenzi zentsebenziswano sisananelo nesabelo impahla yayo. Funda ngakumbi malunga nokuba yintoni na isabelo kwaye inika amalungu lwentsebenziswano, sithetha kweli nqaku.
Share umnikelo: Inkcazo
Ingcamango umnikelo inikwa, ingakumbi, i-Federal uMthetho ka-1995 "On intsebenziswano kwezolimo". Ngokutsho kwakhe kuthiwa mutual igalelo impahla kwi-mali efanayo, wenza ilungu op ngohlobo imali okanye enye impahla (oku ezahlukeneyo amalungelo obunini, umhlaba, izakhiwo, njl njl).
Kumthetho wembambano, isabelo uchazwa:
- unelungelo lokuthabatha inxaxheba asethi op ezifunyenwe emva kokuhlawulwa igalelo (okanye ngokutyala imali okanye enye impahla, okanye inxaxheba ngqo ummi kwimisebenzi lwentsebenziswano);
- ukuba inxalenye yempahla lwentsebenziswano, elingcwele, elinye lamalungu ayo, nto leyo ibandakanya imirhumo eyenziwe ukuba ukwabelana kunye nesabelo ehambelana wepropati idalwe ngexesha imisebenzi lwentsebenziswano.
Ixabiso lomnikelo inefuthe ngqo kwi ukwabiwa iingeniso phakathi kwamalungu lwentsebenziswano. Kulo mzekelo, ayithethi kuchaphazela ilungelo lokuthatha inxaxheba kulawulo: zonke njengelungu lombutho woluntu liye kwintlanganiso jikelele kanye nevoti enye. Umsebenzi lezithuba ezithile op kwakhona ixhomekeke kubungakanani nxaxheba benza igalelo share. Le nto ke yinto ebaluleke, nto leyo kubonisiwe kwi-Code Civil.
Inkqubo zokungenela lwentsebenziswano
Abemi kunye nabantu zomthetho abenze emnyango kunye nemirhumo macala kunye isiwe amalungu lwentsebenziswano kuthiwa zabelo. Baya kuba njani xa ukudala okanye xa ungena inkampani sele ikhona. Kwimeko yokuqala, abathathi-nxaxheba benza yi Abaseki bayo baba zabelo kuphela emva kokuba ubhaliso karhulumente lenkampani njengoko iqumrhu elisemthethweni. Kule yesibini - abanqwenela ukungena ibe lokuqala wobunye okhonza kwingxelo yakhe yamatyala, egqalwa kwisithuba nyanga, uze wenze isigqibo esifanelekileyo. Ukuba HIV, oko ilandelwa ngu:
- Intlawulo obhaliso An - uhamba ikakhulu ukuhlawula iindleko ezinxulumene kunye entry;
- intlawulo igalelo - ipropati iya kufakwa kwi-mali (ubukhulu esekwe yi inkampani charter i);
- zabelo ukufumana incwadi - iphepha-isiqinisekiso sobulungu kwi op.
Ukwenza igalelo ngokomlinganiselo izahlulo eliqokelelweyo, ezo ahlawulwa-phantsi okanye idluliselwe kumntu isabelo kwalowo unqophisileyo.
Imvumelwano phakathi zabelo kunye nentsebenziswano
Uxwebhu oluphambili esicacisa inkqubo yentlawulo shareholder imali okanye enye impahla na isivumelwano le igalelo. Umisela zonke iingongoma eziphambili enxulumene yokungena inxaxheba yabemi entlanganweni op:
- imiqathango kunye nemali yokuhlawula lomnikelo;
- amalungelo kunye neemfanelo zabelo;
- ilungelo ukusiphelisa esi sivumelwano;
- iyalele ukubuya mali zabelo kwi ephumayo ukusuka op.
Le mvumelwano nazo mayicaciswe gca imithetho nokuqhuba iintlanganiso amalungu op, amalungelo akhethekileyo le zabelo azimisele, zilawulwa kukwahlukana kwipropati op kwiimeko ezahlukeneyo.
isivumelwano Mutual kunye nefomu ngokuzimisela umnikelo. units ezifunekayo abambisane imveliso esekwe efanayo kubo bonke ubukhulu, umsebenzisi - ngokomlinganiselo umthamo awayecwangcisiwe inxaxheba yabemi kwimisebenzi yezoqoqosho op.
Ukongeza amalungu mandatory oluntu bafake igalelo ngokuzithandela kwingxowa-mali efanayo ukuze andise isabelo sawo inxaxheba wempahla co-op. Ngenxa yokuba amalungu paenakopleniya yabo ifom, eziquka yonyaka iintlawulo zentsebenziswano ngokomlinganiselo ubungakanani kunye nexesha Orbital ye kulondolozo shareholder nganye.
Izinto eziluncedo op:-mali efanayo
Zenziwe iminikelo kumalungu op fund efanayo yalyaetsya elinye macala kakhulu. Kumthetho Russian azibhengezwanga, kwaye akukho kuxhuzulwa irhafu eyenziwe ummi xa wokujoyina izabelo lwentsebenziswano. Oku inika umlinganiselo othile wenkululeko ekusetyenzisweni kunye lokuguqula impahla amalungu ekulelona joint, izabelo.
Ngoko ke, umzekelo, singenziwa-mali efanayo, kuphela imali, kodwa izakhiwo, izixhobo, umhlaba, izibambiso kunye nezinye impahla, nto leyo eye ixabiso lemali. Ngelo xesha ukutshintsha layo ulawulo lomthetho, urhulumente we irhafu kunye nezinye iintlawulo ezinxulumene nokusetyenziswa kwayo. Phantsi isivumelwano, ungenza njengomnikelo, nkqu ikhompyutha, xoxa ixabiso layo kuphela kunye neenkokeli op. Kulo mzekelo, ukubuya isabelo unako ukufumana imali zokungahlawuli le mali kuyo nayiphi na irhafu. Ukongeza, zabelo bakhululekile ukusebenzisa le propati (kunye namanye amalungu ayo co-op), kubandakanywa imali ukuba bafumane sebheyili izabelo zabo.
Property okumisele-mali efanayo, nekhuselwe kakuhle uphazamiseko yangaphandle kwimisebenzi op phezu isiseko somthetho Russian. Ngoko ke, co-operatives zidla ngokuba amacandelo abucala kwezoqoqosho ezizezinye karhulumente.
isiphelo
Ukususela nqaku, ufunde ntoni na isabelo igalelo. Oku intlawulo nje ukungena sokubambisana umntu unelungelo isabelo impahla yalo kunye ingeniso evela ekusetyenzisweni kwayo. Le ukusetyenziswa ngempumelelo ngakumbi amathuba ayo (hayi kuphela) nepropati kwiimeko abanyanisekileyo ngakumbi (akukho mfuneko ekunikweni kweemvume, declaration, irhafu kunye njalo njalo.).
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