Mgwirizano wa kukhulupilira katundu. Kuwongolera kudalirika ndi ...

Kusamalira kudalira ndiko kutaya katundu. Zimaperekedwa ndi mwini ndalama kwa wogwira nawo ntchito msika. Cholinga chachikulu pa nkhaniyi ndicho kuchotsa phindu lalikulu pa chiopsezo china. Tiyeni tipitirize kuganizira mozama, mu chikhalidwe chotani cha kusamalira chinsinsi.

Zosowa

Zambiri mwa zinthu zomwe zili mu Civil Code zimachita monga iwo. Art. 128 ili ndi mndandanda wa katundu wotere. Zinthu zopangidwa ndi kukhulupilira ndizo ndalama komanso chuma. Wogulitsa ndalama angapatsenso magawo, nyumba zogulitsa ndi zina zotero. Ndalama zimaphatikizapo katundu ndi ufulu wodalirika (chifukwa cha zojambulajambula, zolemba, dzina , ndi zina). Zida zosawoneka sizili m'gulu lino .

Zomwe zimaperekedwa

Kuwongolera kudalira ndikugulitsa zomwe zimaphatikizapo kupereka malamulo. Ngati, mwachitsanzo, ntchito ikugwira ntchito, ndiye kuti n'zosatheka kuisunga ngati bungwe lalamulo. Izi zikuchitika chifukwa chakuti kasamalidwe ka LLC kapena gulu lina likuwonetsedwa ndi munthu wodalirika pa pepala limodzi. Mfundo zakuthupi zinalembedwa. Pachifukwa ichi, akaunti yapadera ya banki imatsegulidwa kuti ipange ntchito zothetsera. Kupereka kukhulupilira kwa katundu waumisiri, ufulu wodalirika kwa mabungwe osapindulitsa uyenera kusiyanitsidwa ndi kusamutsidwa kwawo pansi pa mgwirizano wogulitsa. Pachifukwa chotsatira, malondawa amapangidwa pofuna cholinga chochita bizinesi yodziimira yekha ndi wogulitsa ndalama.

Kutsekedwa kwa zinthu

Mu malamulo, kupatulapo milandu yapadera, palibe choletsedwa choletsedwa pa kusamutsidwa kwa zinthu zomwe zimadziwika ndi makhalidwe ake. Pakalipano, mapangidwe a mgwirizano, ndondomeko yokhudza kuyanjana kwa zinthu, mndandanda wa katundu akuwonetsa kuti kugula kungatheke pokhapokha pazinthu zomwe zimatchulidwa. Mfundo zakuthupi ziyenera kukhala zosiyana ndi zina za mwiniwake ndi bwana. Pachifukwa ichi, ngakhale zinthu zomwe zimatsimikiziridwa ndi zikhalidwe zowonjezera (mwachitsanzo, chikhomo chovala chovala cholowa), pamlingo wina umakhala wotsimikizika.

Mabungwe azachuma

Malinga ndi lamuloli, kukhulupilira ndalama sikuloledwa. Komabe, lamuloli limapereka zosiyana. Choncho, malinga ndi Art. 5 FZ "Pa Banks", bungwe la ngongole - bungwe lovomerezeka lalamulo lokhala ndi chilolezo chochita zinthu zofunikira kuchokera ku Central Bank - lingathe kukhazikitsa ndalama ndi zinthu zina, kugwirizanitsa mgwirizano wa chikhulupiliro cha katundu ndi ndalama za kasitomala. Wachiwiri angakhale bungwe komanso nzika. Makhalidwe omwe sali ngongole, angalandire ufulu woyang'anira chikhulupiliro. Kuti akwaniritse ntchitoyi, ayenera kukhala ndi chilolezo chovomerezeka malinga ndi Art. 7 cha lamulo la 3.02.1996.

Municipal ndi boma boma

Kusamutsidwa kwa katundu ku chikhulupiliro cha kukhulupilira kuli ndichindunji, chomwe chiyenera kuwerengedweratu pakukwaniritsa malonda. Kotero, mwachitsanzo, pochita ntchito zina zochitika msika wogulitsa nawo malonda akhoza kupatsidwa kwachinsinsi, katundu kapena boma. Komabe, chuma chooneka chomwe chinaperekedwa kale ku bungwe kapena bungwe lokhazikika liyenera kutaya chikhalidwe chawo asanatumizedwe ku chikhulupiliro chokhulupilira. Izi ndi chifukwa chakuti mapinduwa aperekedwa kale ku phunzirolo ndipo amagwiritsidwa ntchito m'njira yochepa. Kupereka zinthu zakuthupi kwa wogwira nawo ntchito msika kungapangitse kuti bungwe lokhazikitsidwa, bungwe la boma kapena boma likhale lovomerezeka.

Ophunzira

Pokhala nawo mbali muzogulitsa zomwe zili pansipa, zotsatirazi zingathe kuchita:

1. Woyambitsa trust management.
2. Wopindula.
3. Woyang'anira.

Ophunzira awiri oyambirira akhoza kugwirizana (zomwe zimachitika nthawi zambiri). Bwanayo amakhala ngati wodziimira yekha ndipo sagwirizana ndi wopindulayo kapena woyambitsa, popeza ntchito zawo sizigwirizana. Ngati ntchitoyi ikuchitika pazifukwa zomwe zakhazikitsidwa mulamulo, zikhoza kukhala munthu amene sachita bizinesi, kapena chipani chopanda phindu (kupatulapo chikhazikitso).

Masewera

Kuwongolera kudalira ndizochita mwaufulu. Kusankhidwa kwa bungwe loyendetsa chuma likuchitika pokhapokha ndi kuvomereza kwake. Chitsanzo cha kayendedwe ka chikhulupiliro chingapereke zonse zobwezeredwa komanso zosabwezeretsedwanso zogwirizana. Kusankha kupereka zinthu zakuthupi kumatengedwa ndi mwini wawo. Ndi iye amene amachita monga mkulima ndipo, motero, amene anayambitsa utsogoleri.

Kupereka ndalama

Kusamalira ndalama kumadalira osati kusunga kwawo kokha, komanso kuchulukitsa. Ndalama zimaperekedwa nthawi yapadera. Kwa ntchito ndi ndalama, woyang'anira, monga lamulo, amalandira malipiro. Ndikoyenera kudziwa kuti malonda amenewa mpaka posachedwapa amapangidwa ndi anthu olemera chabe. Lero, pali mabungwe omwe amakhulupirira ndalama zokwana madola 1 miliyoni, koma tsopano pali makampani angapo omwe angathe kusamutsa ndalama zochepa. Kwenikweni, kuchuluka kwake kuchuluka ndi rubles 200,000. Ngati mzimayi ali ndi zaka 50, ndiye kuti akhoza kuwatsogolera kwa oyang'anira. Zing'onozing'ono zoterezi zikuphatikizidwa. Ali nawo, bwanayo amachititsa ntchito zomwezo monga ndalama za mwini ndalama. Koma potsirizira pake, munthu amene akufuna wofuna chithandizo amalingalira. Malamulo amachititsanso kuti anthu azitha kugwiritsidwa ntchito moyenera.

Nthawi

Monga lamulo, mgwirizano wodalirika wa katundu umatha chaka chimodzi. Malinga ndi akatswiri, kusungitsa ndalama kwafupikitsa sizothandiza. Panthawiyi, lero pali makampani omwe angatenge katundu kwa miyezi 6. Nthawi zambiri mgwirizanowu umapereka mwayi wokwatulidwa katunduyo asanathe nthawi yomwe amavomerezedwa, komanso nthawi yowonjezereka.

Zabwino ndi Zochita

Poyerekeza ndi ndalamazo ku banki, kukhulupilira kukhulupilira kumapindula kwambiri. Komabe, nthawi zonse pamakhala chiopsezo chopanda phindu konse. Palibe woyang'anira yekha kapena kampani ikhoza kupereka ndalama zenizeni. Mwachizoloŵezi, zikhoza kuchitika kuti wogulitsa sikuti amangogwira ntchito, komanso amatayika likulu lake. Pankhaniyi, ayenera kulipira malipiro kwa wogwira ntchito pansi pa mgwirizano.

DU ndi Zachiwongola dzanja

Kusamalira chikhulupiriro kumagwirizana kwambiri ndi ndalama zogwirizana. Akatswiri amalangiza kuti aphunzire zinthu izi mwatsatanetsatane. Pazochitika zonsezi, ntchito ya bwanayo ndikuteteza ndi kuonjezera likulu la azimayi. Komabe, mautumiki a makampani ali ndi malamulo osiyanasiyana a malamulo. Kusamalira kudalirika kumapangitsa kugwiritsa ntchito zosankha, tsogolo ndi zina zotulutsidwa zomwe sizipezeka kwa ndalama zogwirizanitsa. Ngati kugwa kwa msika, katswiri wogwira nawo ntchito angagulitse zipangizo zachuma. Koma pa nthawi yomweyo amalephera kuchita zinthu. Mwachitsanzo, bwana sangathe kusewera pa kucheka kwa msika, pomaliza "zochitika zochepa". Izi ndi chifukwa chakuti iye amaletsedwa kutenga magawo ndi kulengeza. Malamulo, kupereka makampani ufulu wokhulupirira chuma, amapereka chitetezo kwa osunga ndalama. Imodzi mwa njirayi ndiletsedwa kulandira ngongole iliyonse.

Kuchita bwino ndi njira iliyonse

Kupindula kosadalirika kwa kukhulupiliridwa ndi mwayi ndi mwayi wochotsa ndalama patsiku la kulandila pempho kuchokera kwa ofuna chithandizo. Mu Mutual Funds, opaleshoni imeneyi ikuchitika masiku atatu. Panthaŵi imodzimodziyo, panthawiyi, msika wa msika ukhoza kusinthiratu kwambiri pazolakwika komanso mwachindunji. Pokhala ndi kukhulupirirana, katswiri wogwira nawo ntchito amagwira ntchito payekha ndi chuma cha wogula. Ngakhale ataphatikizidwa, chiwerengero cha ochita malonda omwe ali mmenemo sichiposa ndalama zogwirizanitsa.

Kudalira kayendedwe ka zinsinsi

Zimaphatikizapo kuonetsetsa kuti kubwezeretsa ndalama kwakukulu. Monga chigamulo cha chuma cha wogula ndi broker. Ndalama za mzimayi zimayikidwa m'nyumba yosungiramo katundu, ndipo ndalama zowonjezera zimayikidwa pamsonkho wa misonkho. Ntchito za wogulitsa ndikuphatikizapo kusunga zolemba za kayendetsedwe ka ndalama ndi magawo a wogula, kuwerengera ndi kulepheretsa msonkho. Posankha kampani, m'pofunika kulingalira nthawi yomwe ntchitoyo ikugulitsidwa pamsika, komanso kuchuluka kwa okhudzidwa. Potero, yayikulu ndi yotalikirayo broker amagwira ntchito, yowonjezera yodalirika.

Nthawi Yofunika Kwambiri

Mukamasuntha katundu kwa manager trust, wofunafuna kupeza chitsimikizo cha phindu la ndalama zake. Komabe, malinga ndi lamulo la Federal federation of shares, msika wogwira nawo ntchito akuletsedwa kupereka chitsimikizo chotere. Pamodzi ndi zikhalidwe izi zimaloledwa kusindikiza kwa trustee mbiri yopindula yomwe analandira ndi iye m'mbuyomu.

Malo ogulitsa monga chuma

Chofunika cha kayendedwe ka chikhulupiliro pankhaniyi chachepetsedwa kuti mwiniwake, yemwe, mwachitsanzo, akufuna kubwereka nyumba kapena nyumba yobwereka, akusintha nkhawa zonse kwa realtor. Pogwirizana ndi mgwirizanowu, bungweli limakhala ngati mkhalapakati. Mu ntchito yake ndikungofunafuna abwana. Kusamalira kudalira kumakhala kwakukulu kwa ntchito za wogulitsa. Mndandanda wawo udzadalira zofunikira ndi luso la mwiniwake. Nthambiyi imangofunafuna bwana, koma imapanganso ndikugwirizana ndi iye, imalandira ndalama zogwiritsira ntchito malowa, imayang'anira nthawi yobweza ngongole, kukwaniritsa udindo wa wogwira ntchito ndi zina zotero.

Kutsiliza

Kuyang'anira kudalirika lero kumaphatikizapo mndandanda wa mautumiki operekedwa ndi mabungwe ambiri a mabanki. Kawirikawiri, ntchito zotere zimatengedwa ndi makampani akuluakulu azachuma. Pachifukwa ichi, malinga ndi akatswiri ena, ndikofunikira kwambiri kudalira kayendetsedwe ka chuma chake ku mabanki. Izi ndi chifukwa cha mtengo wotsika wazinthu, poyerekezera ndi mabungwe ogulitsa. Chowonadi ndi chakuti makonzedwe a mabanki sakufunikira kuitanitsa antchito ena, omwe angapange kayendedwe kokhulupirira. Zokwanira kuwonjezera ntchitoyi ku ntchito za akatswiri ochita ntchito. Kuyang'anira kudalirika ndi kotchuka kwambiri lero. Iyi ndi njira yopangira ndalama. Komabe, kumafuna ndalama zina. Makampani omwe amapereka zoterezi amapereka njira zosiyanasiyana kuti awonjezere ndalama za mchuma. Mosakayikitsa, pamtundu uliwonse pali chiopsezo china, komabe, ndalamazo zingakhale zapamwamba kwambiri. Kuwongolera kudalira ndi njira yabwino yopititsira patsogolo likulu lanu. Pankhaniyi, wochita malonda sayenera kumvetsetsa zovuta zonse za ntchitoyi.