Cash pa yobereka - ndichiyani?

M'zaka zaposachedwapa, zinthu pa Intaneti likupitirirabe wotchuka kwambiri. Mwachibadwa, amagwirizana ndi ena pangozi, chifukwa wogula ndi wogulitsa kuti simukudziwa mzake - iwo alibe konse! njira zosiyanasiyana za malipiro ndi yobereka kulola otetezeka imodzi kapena counterparties onse. Today tiyeni tikambirane za njira ya malipiro monga ndalama pa yobereka. Izi njira yolipirira n'kopindulitsa ndi bwino kuti onse wogulitsa ndi ogula.

Kodi m'nyanja zikuluzikulu? Izi malipiro kwa katundu wogula pokhapokha iye anatengedwera ku tawuni mu nyumba yosungiramo katundu wa utumiki mthenga, kapena pa positi ofesi. Pankhaniyi, wogula ali ndi ufulu wokana kulandira katundu anapulumutsa popanda kulipira iwo. Pa dzanja limodzi, zingatanthauze kuti mu nkhani iyi, kutumiza katundu ndi ndalama pa yobereka si yopindulitsa ndipo ndi owopsa kwa wogulitsa, koma izo siziri. Ndipotu, wogulitsa apeza katundu wake, ndi imfa yake adzakhala kusanduka okha kulipira ntchito ya utumiki mthenga. Komano, wogula otsimikiza kuti adzalandira katundu mu wabwino ndi kwathunthu, chifukwa adzatha kukayendera udindo wake pamaso kulipira mtengo wogulira ndi yobereka.

Choncho, iwowo monga ndalama pa yobereka, kutenga counterparties awiri nawo (wogula ndi wogulitsa) ndi mmodzi mkhalapakati - mthenga utumiki. Chiwembu cha iwowo ali motere: wogula ndi wogulitsa kuti mwachindunji pasadakhale chinthu wogulira, mtengo, ma CD ndi chikhalidwe ndi kugwirizana kuti malipiro ndi ndalama pa yobereka. Kenako, wogulitsa amatumiza katundu ndi amayang'anira mthenga utumiki wa wolandira. Pankhaniyi, kubweza katundu antabira kulengeza, amene chiwerengero akuti wogula. kulengeza Zimenezi zimapereka umboni kuti mthenga kwenikweni analandira katundu ndi afunika kupulumutsa nthawi anavomera wogula bwino (kuchita, mawu achilendo zapitazo - akuoneka zabwino kuti - akuoneka bwino). Pambuyo pokamba anatenga amagulira adza kwa mkhalapakati ndi akumuuza nambala yamalonda, chimene ayenera kulandira katundu pa nthawi yomweyo kupereka zikalata kutsimikizira kuti asadziwike. Atalandira katundu ndi afufuze chifukwa chokwanira ndi chikhalidwe cha chuma, walowa kapena akukana kulipira katundu. Malinga maganizo ake kutumiza mthenga wogulitsa kapena ndalama kapena kubwerera malonda.

The ntchito mwa njira imeneyi malipiro ngati ndalama pa yobereka, ali ndi mbali zabwino ndi zoipa. Komabe, mukhoza ndithudi kunyamula kudalirika apamwamba ndikupeleka wogula, chifukwa akhoza kuonetsetsa kuti mankhwala likumanenso mfundo zake pamaso panu kulipira. wogulitsa ndi kuteteza chifukwa sanafunikire kudalira kuona mtima kwa wogula pamene ali kuchita ndi njira "malipiro atatha kubereka", ndipo ngakhale mwambo kulephera kwa wogula katundu iye kulipira okha ophimba katundu kumaloku ndi kumbuyo.

Komabe, ayenera kulipira zonse. Cash pa Kutumiza ndi sakhala ogwira kuposa njira zina malipiro, mwa mawu a mtengo ndalama: nawo mthenga amene amachita ukutitsimikizira mangawawo kwa wogula ndi wogulitsa, Nawalanditsa zimafuna ndalama zina processing. Komabe, kutenga nkhani chakuti mtengo wa ntchito mthenga kwa yoperekera katundu zamtengo wapatali sangafikire gawo limodzi la ndikupeleka kuchuluka (mwachitsanzo, mu kugulitsa makamera mkulu-wogulira SLR), ndalama awa ayenera bwino kuzindikira cha chitetezo ndi chitetezo cha counterparties onse. Chinthu chachikulu - kupeza mthenga odalirika ndi mbiri yabwino, amene adzakhale odalirika mwa mbali zonse.