Yintoni na le mali

Yintoni na le mali? Namhlanje lo mbuzo phantse akukho namnye kwamathandabuzo. Le wobukumkani kobudlelwane yemarike kuqoqosho lwale mihla lisibeka imithetho ukusinda. Mhlawumbi yiloo nto ithuba inzuzo namhlanje ochaphazelekayo kuphela abarhwebi ngamandla zemali, kodwa abantu abaqhelekileyo abakukhathaleleyo ulondolozo kunye esele imali yabo.

Igama elithi "utyalo-mali" ngokwayo kuvela Latin "imali", gama elo elithetha "nokutyala imali." "Usomashishini Encyclopedia" ehleliweyo S.M.Sinelnikova, eyapapashwa ngo-1994, linika impendulo ilandelayo lo mbuzo, "Yintoni na utyalo-mali": "Capital, zibekwe ngendlela neenkampani ezizimeleyo ngokusemthethweni ixesha elide okanye ukufumana ingeniso eyongezelelekileyo, okanye ukuthenga nempembelelo ... kwakunye utyalo ngokhuselo. " Kakade ke, uluhlu izinto zotyalo mali ayiphelelanga izinto ngentla kwikoteyishini. Invest capital kwi ekhethekileyo iidipozithi ebhankini, mboleko, oomatshini, izixhobo kunye nobuchwepheshe, impahla okanye amalungelo ezilapho, kwakunye amaxabiso ngokwasengqondweni mvume.

Ekubeni ukumelwa lwemisebenzi yotyalo-mali kunye nobukhulu asendle yahlukile kumacala ahlukeneyo, ngoko ukuba bazihlele ezi imali utyalomali eziyimfuneko kwindlela eziliqela.

Ngoko ke, kuxhomekeke ubude acwangcisiweyo of capital ukusebenza ixesha, utyalo isenokuba elifutshane okanye ixesha elide. Ifomu iyahlula banegalelo zotyalo impahla noluntu, abucala, amazwe okanye ngokudibeneyo. Nature of ukuthatha inxaxheba kwiiprojekthi imisela indlela, oko kukuthi, utyalo inokuba ngqo (imali imali ngqo nxaxheba projekthi) kwaye ngqo (ezibandakanya imali free intengiso kunye nokuveliswa iindidi ngeendidi izibambiso, ezifana izabelo kunye nezixhobo efanayo).

Ngokumalunga iintlobo zotyalo-mali, xa kusenziwa, zemali umsebenzi, kwezoqoqosho nezamashishini la maqela alandelayo:

- utyalo real (le mali zityalwe kwiiprojekthi zexesha elide, okuthetha ekufunyanweni kwamaziko emveliso kunye ipropati ezifana);

- (kuthetha utyalo kwezi ndidi zee-asethi zemali ezifana izibambiso, zemali debentures kunye namaxwebhu ezifanayo);

- asethi ezingaphathekiyo (ukuba utyalo ekuthengeni amalungelo ezingaphathekiyo ezifana namaphepha-mvume, amalungelo abenzi kwaye nezinye izibambiso ezifanayo).

Ukubuyela kumxholo engundoqo lexi kukuba utyalo-mali ezinjalo, makhe sihlolisise nganye kwezi ntlobo zingentla zotyalo-mali.

utyalo-mali Real - yeyona lula ukuqonda indlela ukutyala, nto leyo ibandakanya ukuthengwa ilifa lokwenene, indlela yokuhamba kwemali yokuthenga iimpahla okanye iinkonzo iindleko zokuthenga, Kakade, ngenjongo abangenakubanyusa. Zokufuna oosomashishini opt imisebenzi yayo utyalo ngale ndlela, kufuneka kukhunjulwe ukuba olu candelo kakhulu kwaye kuxhomekeke ezahlukeneyo iingozi. Noko ke, loo nto ihlala enye inzuzo kakhulu kwaye iintlobo ezisetyenziswa ngokuxhaphakileyo.

Ukuphendula lo mbuzo, "Yintoni na utyalo-asethi zemali", sithetha iseti imisebenzi kunye nezenzo eyenziwa nezibambiso. Iimali kutyalwa amanqaku promissory, izabelo, iibhondi, iziqinisekiso ebhankini, iinketho, izibambiso karhulumente, ikamva, nje ukuba omnye, njengoko utyalomali lwezemali. Ubuninzi iintlobo izibambiso kanye nobunzima ukusebenza nawo akusoloko nomtsalane engaba mali. Yiyiphi, Kakade ke, impazamo, kuba namhlanje cash nokubandakanywa kolu tyalo okanye, njengoko ibizwa, isitokhwe iphepha - na uhlobo kakhulu yimpumelelo, zinokubanceda kwamashishini.

Ngokubhekiselele kwii-asethi ezingaphathekiyo, umsebenzi investment - oko imali kwizibonelelo abangengabo amaxabiso eziphathekayo okanye yokwenene kwaye ayithengiswa. Ezi kuba utyalo-mali kuphando nophuhliso, iimvume, amalungelo awodwa omenzi wechiza, iimpawu, uqeqesho, intengiso, isoftware kunye namanye amalungelo obunini kushicilelo nokuthengiswa komsebenzi efanayo.