Kutenga ngongole - mfundo ndi kufunika

Kuberekana ntchito ndalama za ntchito iliyonse kuli kovuta popanda nkhani ya likulu anabwereka kwa mbali. Anabwereka ndalama kwambiri kukuza kuchuluka kwa zinthu zazikulu za gulu, kuti imathandizira mapangidwe ndalama zofunika ndalama kusamalira bwino yosafuna ntchito ndalama pa zofuna zawo, ndipo pamapeto pake kusintha liquidity ndi ndalama zingati kumalo a ntchito. Choncho anatsegula kuti mfundo za ndalama si ntchito mwachizolowezi ife chuma ngongole ya Bank ku Central la Chitaganya cha Russia, ndi magwero si ndalama, kuphatikizapo nkhani panopa ndi patsogolo ndi mabungwe ngongole.

Choncho, maziko a mudzagwiritse zachuma adzakhala ndalama zake, koma mchitidwe m'dziko lathu limasonyeza kuti mbali ambiri chifukwa cha ngongole. N'chifukwa chake msika akutenga ndalama - mbali zofunika kwambiri ndi ntchito zachuma komanso wa kumalo a ntchito. Ndi Cholinga kukwaniritsa mkulu-yotsiriza mankhwala.

Ndi tanthauzo, anakongola ndalama - ndi ndalama analandira kwa nthawi mwachindunji ndi kubwezedwa ku wina kuchuluka chidwi ntchito zawo. Kungakhale ngongole ku mabanki ndi ena mabungwe ngongole, komanso ndi boma, ndalama ochokera ku nkhani ya sheya ngongole (kumangidwa). Yolimbikitsa ya ngongole ikuchitika m'njira zosiyanasiyana, anthu waukulu kukhala boma ndalama, kukopa chuma ngongole, thumba kulera kudzera sheya. Cash akamagwira umuna ndi kutanthauzira kwa masheya, ndi limene limafotokoza kunyakhe.

Kutenga ngongole angatengere mbali m'njira zotsatirazi:

- mu ndalama dziko;

- mu ndalama zakunja;

- mu mawonekedwe a katundu (yobereka zipangizo anavomera malipiro mtsogolo);

- lendi (ntchito zinthu yopanga katundu atathana kuti simuli phunziro, amalipiritsa a);

- njira zina (ntchito chuma chosaoneka ndi maso pa maziko yobwereka, etc.).

Njira ntchito iliyonse ya mitundu ya pobwereka kulera ndalama anachita ndi ogwira paokha, zochokera bizinesi yeniyeni pachimake, komanso kukopa chandamale.

Kuchokera pa zimene takambiranazi, ndizoonekeratu kuti angongole chachikulu mabizinesi akhoza kupanga mabungwe malonda ndi anthu banki, komanso mabungwe ena okhudzidwa mu issuance wa ndalama pa chiwongoladzanja, ogula ndi ogulitsa komanso malonda akhalire, kumachita monga masheya a issuer a.

An nuance zofunika mu machitidwe ogwira kukongoza kuti anabwereka ndalama, mu zilizonse ndi buku iwo PALI ayenera kupatsidwa chuma chake cha bungwe. Zimenezi ndi zoona makamaka kwa ndalama zimene zimafunika pa mawu ndalama. ndalama anabwereka akuyenera kuonetsetsa chuma kwambiri madzi.

Chinthu china nkhawa pangano ngongole anamaliza pakati pa wokongoza ndi wobwereka. Popeza kuti udindo wonse chikalata akugwirizanira okha wobwereka ndi - kuteteza chuma, panthawi yake alipire chidwi komanso wamkulu, etc. The wokongoza komanso amaika ufulu amafuna kukwaniritsidwa kwa zinthu zonse za mgwirizano.

Ngakhale kuti zolakwa zonse ndi mavuto kukopa ntchito ndalama makampani leveraged, mayiko makamaka osauka, sadzatha kuchita popanda izo.