Kupa kwekukurumidzira

mitero kana fizi

Chii chiri kukurudzira? Inoreva mashandiro ekumanikidza kana nzira dzekumisikidza kana paine nhevedzano yemaitiro anoteverwa uye anoshurikidza kubhadharwa kwemari yakawanda.

Kunyangwe iri mitero, zvinhu kana masevhisi, izvi zvinoitika kana iyo ane chikwereti haasati abhadhara panguva yakakodzera sezvakatemerwa nyika mbiri. Ndipo panobhadharwa mari pasina muripo neakakwereta apo chikumbiro chinoiswa senzira yekukweretwa nekukweretwa kwechikwereti nezvinhu zvemunhu ane chikwereti.

Ndeipi nzira yekumanikidza?

Kazhinji iyo Muteresi anofanira kubhadhara zvikwereti zvavo zvemitero kana mutero nenzira yakakodzera, seizvi zvakatemwa.

Izvi zvinoreva kuti uyo ane chikwereti achabhadhara zvikwereti zvake mukati menguva yekuzvidira yekubhadhara sezvazvakatarwawo ne mitero yakananga kana isina kunangana.

Mukushayikwa kwekubhadhara mukati menguva yekubhadhara kwekuzvidira, kubhadhara uye kukura kwe a chimbadzo chekushomeka kwe pago uye pakupedzisira inouya kukurumidzira.

Inozivikanwa se maitiro ekuunganidza kana maitiro waani kuuraya kunomanikidzwa. Nerutsigiro rwezita remusoro wenyaya iro rakapihwa neichi chikamu cheveruzhinji uye nekudaro richienderera mberi nekupa simba kune yavo yeruzhinji mutemo kiredhiti kuburikidza nekuitisa kwega kwemunhu zvinhu zvemunhu ane chikwereti kana vane chikwereti

Ichi chiito chinobvumidza manejimendi kuenderera mberi uchipesana nenhumbi dzemunhu ane chikwereti chiri kutaurwa.

Kune a 20% mutero unobhadharwa pachikwereti, pamusoro peizvi, kurongeka kwekukurumidzira kuchaunza "default kufarira".

Nekuda kwekunonoka kuunganidzwa mu fetiraiza ye kuripa chikwereti. Muchiitiko chekuti chikwereti chakadzimwa pamberi pekutaurirana kwekumanikidza, iyo 20% mutero unobhadharwa pachikwereti wakadzikira kusvika gumi muzana., Pasina kuburitsa chimbadzo pakubhadhara kwakanonoka.

Kupa kwekukurumidzira

Nguva Mukupa Kwekukurumidzira

Maitiro ekumanikidza inotanga apo kuziviswa kune mubati wemutero kwaziviswa. Icho chiri muhurongwa hwekumanikidza uko chikwereti ichi chakamirira chinoonekwa.

Mukati Executive nguva mhosva dzakapedzwa uye anosungirwa anokumbirwa kuti abhadhare muripo.

El Executive nguva inotanga zuva rakatevera nguva yekupedzisira yemubhadharo wekuzvidira.

Kana imwe nguva yekutonga yatanga, manejimendi anogona kutanga nemaitiro ekumanikidzaZvisinei, usati watanga unofanira zivisa chiitiko chehutungamiriri chinozivikanwa se "mutemo wekumanikidza".

Zvakafanana izvo zvinogona kutorwa sezita rakaringana zita rekutanga maitiro. Kutevedzwa kwekumanikidzwa kune huremu hwakaenzana uye masimba makuru se "mutongo"Naizvozvo neizvi zvinokwanisika kuti uenderere mberi uchipesana nepatrimony yemutero ari kutaurwa."

Hunhu hweProvidence yekukurumidzira

Zvinoenderana ne LGT, hunhu hwekumanikidza maitiro Ndizvo zvinotevera:

  1. Iyo yekumanikidza maitiro ndeye chete uye chete ehutariri. Chete chikamu chemutero manejimendi ndiro basa rekugadzirisa zviitiko mukati mekumanikidza maitiro, pamwe nekunzwisisa iyo chaiyo kesi.
  2. Nezve kubvumirana kwako mune izvi pamwe nemamwe maitiro ekumanikidza. Maitiro ekumanikidza haakwanise kusanganiswa nematare edzimhosva kana chero imwe nzira inosanganisira kutambudzwa.
  • Mukati mezvibvumirano ne maitiro akasarudzika ekuuraya. Muzviitiko izvi, kubatwa kwekare kwazvo ndiko kuchave kupihwa sarudzo, mukati meiyi nyaya, kukosha kwenyaya yacho kuchazotorwa nezuva rekushinga kwekutora.
  • Pane kubvumirana kwe kwese kuteedzera kana kubhuroka maitiro. Hongu, uye chete kana mutemo wekumanikidza wakapihwa zuva risati rasvika zuva rekuzivisa kusavimbika.
  1. Maitiro ekumanikidza ane kutanga uye kukurudzira hofisi mune zvese uye chero maitiro ayo.
  2. La kumiswa kwemaitiro ekumanikidza inogona kungoitwa chete pasi pekufungidzira kwakapihwa mumutemo wemitero.
  • Mune chero emhando dzenyaya dzinopihwa mumitemo yemitero.
  • Muchiitiko chekuti iye anosungirwa kubhadhara chikwereti icho chose.
  • Muchiitiko chekuti paine kukanganisa kwezvinhu kune anosungirwa, kana kukanganisa mukati mekugadzwa kwechikwereti.
  • Nekuda kwematatu-bato mapato. Izvi zvinoitika kana mumwe wechitatu achitsvaga kusimudza kubvuta nekuti zvinonzwisiswa kuti ndezvake iye ari pachigaro kana kuti, nekuda kuPublic Treasure, wechitatu ari kubvunzwa ane kodzero yekudzoserwa kubva kuchikwereti chake.

Mhedzisiro yeProvidence yekukurumidzira

Kamwe nzira yekumanikidza yatanga, mhedzisiro inofungidzirwa ndeiyi:

  1. Iwo mutero manejimendi ari mubvunzo anogona uye anogona kushandisa masimba masimba aripo panguva yekumanikidza maitiro. Izvi kuitira kuti utore chikwereti chakasarudzika, chakaitwa kuburikidza nekubatwa uye kumanikidzwa kwevimbiso. Kazhinji rudzi urwu rwezviito zvekutonga hazvigone kuitiswa nekukasira mushure mekuzivisa anosungirwa, nguva inofanirwa kupera iyo inogona kutaurwa mune chero mutemo.
  2. Nezve izwi rekupinda. Mushure mekuzivisa nezve "Providence yekukurumidzira", Iwe uchave nemukana wekubhadhara kana kugadzirisa chikwereti. Sezvingatarisirwa mubhadhari anogona kuita mari yacho chero nguva panguva yekutonga, sekureba sekunge izvi zvichiitika pamberi pekuzivisa kweanomanikidza. Kunyangwe iyo muripo uchikwanisika kuitwa, pane zvakare mutsauko wekuita iwo kubhadhara panguva dzakasiyana, uyu mutsauko uri mune zvekuwedzera zvenguva yekutonga uye mubereko wekunonoka, uyo uyo anosungirwa anofanira kubhadhara zvizere.

Ndezvipi zvikonzero zvekushora mutemo wekumanikidza?

Zvinotsanangurwa kuti hapana chikonzero chekupokana kunze kweinotevera akanyorwa uye nekudaro, haizotorwa se chikonzero chekupokana nehurongwa hwekukurumidzira chero chimwe chikonzero kunze kweinotevera:

Kupa kwekukurumidzira ndiko

  1. Chikwereti chinogadziriswa, kudzimwa zvachose kana pane mushonga wekodzero yekuda kubhadharwa zvimwe chete.
  2. Kupikiswa kumutemo wekumanikidza kuchakwanisika kana paine chikumbiro chekumbomira, kuripwa kana kupatsanurwa mukati menguva yekubhadhara yekuzvidira kana zvimwe zvikonzero zvekumiswa kuitike.
  3. Kupikiswa kumutemo wekumanikidza kuchakwanisika kana paine kushomeka kwezveruzivo maererano nechikwereti.
  4. Kupikiswa kumutemo wekumanikidza kuchakwanisika kana paine kudzimiswa kwekubviswa.
  5. Kupikiswa kuhurongwa hwekumanikidza kuchakwanisika mukukanganisa kana kukanganisa mune izvo zvemukati izvo zvinosanganisira iyo yekumanikidza kuraira, kukanganisa kumwechete kana kusiiwa icho chiri chipingaidzo chekuziva ane chikwereti kana mukati mematanho ekunzwisisa chikwereti.

Nezve kubatwa kwemidziyo nekodzero

Kutorwa kunofanirwa kufukidza chete chikamu chakaenzana nekukosha kwemidziyo nekodzero zvinovhara kukosha kwechikwereti chisina kubhadharwa, mubereko wekubhadharwa kwakanonoka zvakafanana, mari yekuwedzera yenguva yekutonga uye chero mutengo weiyo nzira yekumanikidza.

Netsaona Assets kana kodzero idzo huwandu hwadzo hunodarika kukosha kweizvi zvambotaurwa hazvifanirwe kutorwa.

ziviso dzekurumidziro

Mukati mekutora hurongwa. Mukurongeka uku, zvimwe zvimiro zvinosimbiswa zvinotarisisa iwo marongero anoteedzerwa panguva yechirango:

  1. Chibvumirano nemuteresi chiri kutaurwa. Chero bedzi muteresi achizvikumbira, marongero ekutora zvinhu anogona kuchinjwa, izvi pasina kusiya parutivi kuti zvinhu zvakatorwa zvinovimbisa kukosha uye kuunganidzwa, nehunyanzvi hwakaenzana uye nekukurumidza sezvazvinogona, izvi pasina kukuvadza mapato echitatu.
  2. Kana pasina chibvumirano, midziyo ichatorwa.Nechinangwa ichi, izvo zvinhu zviri nyore kuendesa uye zvisingadhuri kune mubati weanosungirwa zvichatarisirwa.
  3. Munguva yemhedzisiro yechirango, inotevera inotevera ichaitwa:
  • Mari kana mari inoiswa mumasangano echikwereti, chero bedzi vari vemunhu ane chikwereti.
  • Kodzero uye kuchengetedzeka kunogona kuzadzikiswa munguva pfupi-yenguva, chero bedzi iri pasi pemwedzi mitanhatu.
  • Mibairo yemunhu ane chikwereti, mihoro uye mapenjeni.
  • Zvikwereti zvemunhu ane chikwereti.
  • Izvo zvido, mari nezvibereko zvemunhu ane chikwereti.
  • Iwo maindasitiri uye ezvokutengeserana zvivakwa zvemunhu ane chikwereti.
  • Zvikwereti zvemunhu ane chikwereti, simbi dzinokosha, vapfuri vegoridhe, mabwe akanaka uye zvishongo.
  • Chinotamiswa uye chega chivakwa chemunhu ane chikwereti.
  • Kodzero uye kuchengetedzeka kunogona kuzadzikiswa munguva refu, izwi iri riri rinopfuura mwedzi mitanhatu.

Zvinhu zvinozivikanwa uye kodzero zvichatorwa muhurongwa hwataurwa pamusoro., zvakadaro, zviripo zviviri zvakasara kana yakasarudzika mitemo inotaurwa pazasi:

  1. Izvo zvinhu zvinoda kukanganiswa kwakakodzera kunzvimbo yemubhadhari zvinoramba zviri zvekupedzisira, izvi zvinogona kuve fanicha, zvishongo nezvimwe. Chero bedzi zvinhu izvi zviri mukati memba.
  2. Rudzi rwemidziyo "isingataurike" nemutemo haizotorwa. Muenzaniso weiyi ipension fund kana chishandiso icho kutengeserana kunoitwa, pamusoro pekufunga nezve chikamu chisingasvikike chemubhadharo kana muhoro.

 

 

 


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako