Ihlobo alilixesha elilungileyo lokutyala imali. Inkqubo ye- umthamo wekhontrakthi iyehla kakhulu xa ithelekiswa namanye amaxesha onyaka. Ukuza kuthi ga kwinqanaba lokubeka umngcipheko omkhulu wokuba ukhuseleko oludwelisiweyo luza kuhla kakhulu. Njengoko kwenzekile kwimithambo engaphambili. Lo ngumngcipheko ongeyomfuneko onokuthintelwa ukuba abatyali zimali abancinci nabaphakathi bakhetha ezinye iindlela, ezikhuselekileyo zotyalo mali. Ukuze ngale ndlela bakwazi ukukhusela ukonga kwabo nakuphi na ukungazinzi okunokuvela kwiimarike ze-equity kwezi nyanga zehlobo.
Ngaphandle kwento yokuba imarike yestokhwe saseSpain ithengise ngezigidi ezingama-49.039,8 zezigidi zeerandi kwii-equities ngo-Epreli, I-41,4% ngaphezulu kwenyanga edlulileyo, ngaphandle kokuba neeseshoni ezimbalwa zeshishini kwimarike. Kwakuyeyona nyanga ibalaseleyo ukusukela ku-Okthobha odlulileyo. Kwikota yonyaka, bekukho ukwehla nge-25,4%. Apho, inani lothethathethwano lwaluyi-2,9 yezigidi, oko kukuthi, i-7% yayingaphantsi kuno-Matshi kwaye i-0,8% yayingaphantsi kwenyanga enye yonyaka odlulileyo. Kodwa la ngamanani angenayo se ziya kuphinda kwiinyanga zasehlotyeni.
Kule meko ngokubanzi, siza kuphakamisa uthotho lweendlela ezizezinye zotyalo-mali ukuze ukwazi ukwenza imali oyongayo iziqinisekiso ezinkulu zempumelelo. Ngaphandle kokuncama nayiphi na iasethi eyimali, nangona esenza ngobulumko obukhulu ngakumbi ukuza kuthi ga ngoku. Ukuze, xa ubuya kwiiholide, uyakufumana ibhalansi kwiakhawunti yakho yokutshekisha isempilweni ngakumbi. Oko kukuthi, emva kwayo yonke loo nto, yintoni malunga noku kwezi nyanga zikhethekileyo zonyaka. Apho, ngokuxelwa kwangaphambili, ukungazinzi kuyonyuka kwiimarike zokulingana, kuzwelonke nakwimida yethu.
Ezinye iindlela: iibhondi zase-US
Enye yezona ndlela zilumkileyo zokugxila kutyalo-mali kwiinyanga zasehlotyeni ngenxa yokuzithemba kwale mveliso yemali. Ukuya kuthi ga kwinqanaba lokuba ibe lixabiso elikhuselekileyo kwimeko apho ukungazinzi kuvela kwiimarike zezabelo ngeli xesha lonyaka. Inzuzo yokuba iibhondi zaseMelika zinokuvelisa ukuhamba kuluhlu oluya 1,50% ukuya kwi-3%. Apho, ngaphandle kwamathandabuzo, inxenye elungileyo yolondolozo lwabatyali mali iya kubhekiswa kweli xesha lehlobo lonyaka.
Eyona ndlela ilula yokufumana ikhontrakthi eUnited States kungoku iimali ezihlangeneyo zengeniso ezisekwe kule asethi yemali. Ngoncedo lokuba inokudityaniswa nezinye iiasethi zemali ezifanelekileyo ngokukodwa kwicandelo lotyalo-mali. Imingcipheko yayo iphantsi kwaye kuyo nayiphi na imeko ilawulwa ngakumbi ukusukela ekuqaleni kokusebenza. Inokuba lukhetho olunomdla kakhulu ekukhuseleni umdla wakho. Ngokukodwa ukuba ukuvela kweemarike zezabelo azithandeki kubasebenzisi beemarike zentengiso,
Iidipozithi zeenyanga ezintathu
Ixesha elibekiweyo kwiidipozithi zebhanki yenye yeendlela ezizezinye onazo ngalo mzuzu kanye. Kunye Ixesha lokuhlala Iya kuhlala iyintoni iinyanga zasehlotyeni. Oko kukuthi, iinyanga ezintathu ukuze uchithe iiholide ngoxolo olupheleleyo lwengqondo kwaye uphephe ukungoneliseki ngeli xesha lonyaka xa kufuneka uphumle elunxwemeni emva kweenyanga ezimbalwa zomsebenzi odinayo. Kuyinyani ukuba le mveliso yemali ayinikezeli ngenzuzo eninzi kuba ijikeleze i-0,80%, kodwa ubuncinci uya kuba nentlawulo eqinisekisiweyo oyakuyifumana xa ukhulile.
Ngelixa kwelinye icala, awungekhe ulibale nokuba esi sicwangciso sotyalo-mali sinokukunceda ushiye utyalomali kwimarike yemasheya ngexesha lasehlotyeni. Kwaye ungaqhubeka kwakhona emva kweholide. Mhlawumbi ngamaxabiso kwizabelo zokhuseleko ezinokukhuphisana ngakumbi kunangoku. Kwelinye icala, yimodeli yotyalo mali leyo ayizukuvelisa iikhomishini kunye nezinye iindleko ekulawulweni nasekugcinweni kwayo. Ngaphandle kwezinye izinto zobugcisa. Yeyona ndlela ilungileyo yokuchitha iintsuku ezimbalwa ezizolile kwindawo yakho okanye kwindawo oya kuyo ngeholide.
Vula iakhawunti ehlawula kakhulu
Phambi kokuba kuqale ixesha lasehlotyeni, isenokuba sisizathu esifanelekileyo sokumisela ngokusemthethweni iakhawunti ekuthiwa ihlawula kakhulu. Apho banokukunika khona Umndilili kunye nonyaka wenzuzo ukuya kuthi ga kwi-2,20%. Oko kukuthi, ngaphezulu kweemveliso zengeniso esisigxina eqhelekileyo. Apho ungayalela khona onke amatyala emizi yakho (umbane, amanzi, igesi, njl. Njl.), Kunye nokufikelela kumakhadi etyala kunye namakhadi etyala ngokupheleleyo simahla. Ukusuka apho unokulawula khona zonke iindleko zakho okanye urhoxise imali ezinkozo kwizixhobo zetekhnoloji.
Ezi ntlobo zeeakhawunti ziyanyanzeliswa kwisibonelelo sangoku esenziwe ngamashishini ebhanki kwaye ajolise ekutsaleni abathengi kukhuphiswano. Kunye ukubonelela kunye nokunyusa Isindululo esandayo nesindlongondlongo esinokukunceda ngentlawulo yeakhawunti onokuthi mhlawumbi ungalindelanga ukubala ngeli xesha lonyaka. Ngelixa kwelinye icala, singekhe silibale ukuba lo ngumvuzo omiselweyo kwaye uqinisekisiwe. Nokuba kwenzeka ntoni kwiimarike ezahlukeneyo zezemali, kokubini ezivela kwingeniso engaguqukiyo nakwizabelo.
Ukhuseleko olukhuselayo kwimarike yemasheya
Ukuba kunjalo, uthathe isigqibo sokuba uza kuqhubeka notyalo-mali lwakho kwimarike yemasheya ngeenyanga zasehlotyeni, akufuneki ubeke emngciphekweni imali yakho kwezi ntsuku zikhethekileyo zonyaka. Ngengqondo yokuba ungaya kuzikhusela okanye kwiimpawu zokuzikhusela ngakumbi ukusukela ngoku. Zizo ezona ziqhuba kakuhle kwezona meko zinzima kurhwebo lwee-equity kwaye kwezinye iimeko zinokufumana nembuyekezo exabiseke kakhulu. Njengomzekelo, kwi Ixabiso lecandelo lombane Ezi zahlulo zinenzuzo engaphezulu kwe-6%.
Kuyinyani ukuba le ngu enye indlela enobundlongondlongo ngaphezu kokunye, kodwa ngolawulo olukhulu kwizikhundla kwimarike yemasheya ngenxa yeempawu ezizodwa zolu khuseleko. Apho unokukhetha khona uninzi lwengeniso yelizwe eyahlukileyo. Ixabiso lesitokhwe elinokuthi lenze kakuhle kakhulu kwezi nyanga, nangona kusoloko kukho umngcipheko ofihlakeleyo malunga nokuvela kwabo kwimarike yemasheya. Kungenxa yokuba esiphelweni sosuku simalunga neemarike zokulingana kunye nokuba kuthetha ntoni xa ulawula imali. Luphi ulondolozo lwabatyali mali abancinci naphakathi abafuna ukugcina iiasethi zabo kwezi ntsuku.
Iibhondi ezihlanganisiweyo
Enye indlela yentsusa yokufikelela kutyalo-mali yenziwe ngale mveliso yemali. Ngokubanzi, iibhondi ziya kufumana i- ikhuphoni le-3,50% ngegama qho ngonyaka, ehlawulwa ngekota nganye, kwixabiso lobuso ngalo lonke ixesha. Ukuhlawulwa kwamatyala kuya kwenzeka ngokunciphisa amagama abekiweyo kunye nakwikota nganye kude kube ngu-2038. Oku mhlawumbi yingxaki yabo, ukuba banomdwebo omde kakhulu kwaye ke ngoko bajolise kwiprofayili yotyalo-mali echazwe kakuhle. Apho kunyanzelekile ukuba bazame ukuba nenqanaba kunye nozinzo lokubonelela ngokhuseleko olukhulu kutyalo-mali.
Unikelo lwangoku kwiibhondi lubaluleke kakhulu kwaye kuya kufuneka ufumane inkampani enyibilikayo ejongene nokuthengisa ezi mveliso zezemali. Ukuze ngale ndlela, ube kwimeko yokuphucula ingxelo yakho yengeniso kwixesha elide. Ngomjelo wezemali osoloko ufumaneka kubatyali mali abancinci nabaphakathi. Apho uluvo lokugcina imali lusongamela ezinye izinto ezinoburharha kwiimarike zezemali. Ngomvuzo onokuthi unomdla kakhulu xa kuthelekiswa nezinye iimveliso zeempawu ezifanayo.
Amanqaku esithembiso e-Endesa
Enye into enomdla kakhulu ngeli xesha imelwe yile mveliso ivela kwingeniso esisigxina. Kungenxa yokuba, i-Endesa icele ukwamkelwa kurhwebo lwenkqubo entsha yenqaku lesithembiso se-3.000 yezigidi zeerandi eseleyo kwimarike yengeniso ye-BME. Ngaphantsi kwale nkqubo intsha, i-Endesa iya kuba nakho ukukhupha amanqaku ezithembiso kunye nexabiso leyunithi ye-100.000 euros okanye i-500.000 yeedola kunye nokukhula. phakathi kweentsuku ezi-3 ukuya kwezingama-364. Ukuya kwinqanaba lokuba yenye yeendlela onokukhetha kuzo ukuba awukulungelanga ukuthatha umngcipheko ogqithileyo kutyalo-mali olwenziwe.
Ngale ndlela, i-CEO ye-Endesa, uJosé Bogas, wagxininisa ukuba "inkqubo entsha ye-Endesa iqinisekisa ubume bayo njengomnikeli womgangatho kunye nokubonisa ukuzithemba kweemarike kwiziphathamandla zolawulo zaseSpain nakwizinto ezidwelisiweyo." Kufuneka kukhunjulwe ukuba i-Endesa inereyithi yexesha elifutshane A-2, umbono ozinzileyo, ngu Standard & Poor's; ukusuka P-2, izinzile, nge Moody's; kunye no-F-2, ozinzileyo, nguFitch. Kwi-2018, i-Endesa ifumene imali ehlanganisiweyo ye-20.195 yezigidi ze-euro kunye ne-EBITDA yezigidi ezingama-3.627. Ngomvuzo onokuthi unomdla kakhulu xa kuthelekiswa nezinye iimveliso zeempawu ezifanayo.