Alithandabuzeki elokuba ukuziqhelanisa ngakumbi nemigaqo yentengiso yesitokhwe kuyakunceda abatyali mali ukuba babe nokuchaneka ngakumbi ekwenzeni imisebenzi yabo kwiimarike ze ngeniso ekhoyo. Akunakulityalwa ukuba engxoweni umntu ayisebenzisayo amagama akhethekileyo, apho kugqame khona amagama esiNgesi. Oku kubangela ukuba ezinye iisevers zinenye ingxaki yokuhambisa iintshukumo zazo ukwenza ukuba imali ekhoyo ifumane inzuzo. Ngokuzinikezela okuncinci kunye nedosi elungileyo yokuthanda, uya kuba nakho ukulungisa le ngxaki ibonakala kuwe kwicandelo lotyalo-mali.
Kwiimarike zesitokhwe kuya kubakho amagama amaninzi obuchwephesha aya kufuna umzamo omkhulu wokuqonda kwabo ngokuchanekileyo. Akumangalisi ukuba uninzi lwazo zivela kuqoqosho kwaye kubaluleke kakhulu ukuyigcina engqondweni xa uqala ukusebenza kuyo nayiphi na intengiso yemali. Ayisiyiyo kuphela kwimarike yemasheya, kodwa kwezinye ezinje ngeemali, izinto ezingavunyelwanga, isinyithi esixabisekileyo okanye umvuzo oqinisekileyo. Akukho nto kufuneka ishiywe ekuphuculeni, nditsho nolwimi lwayo.
Kwelinye icala, kuyinyani ukuba iyakuba ngu ixabiso elongeziweyo unokudibana ngakumbi nala magama. Kuba enyanisweni, kuyinyani ukuba yonke imigaqo enxulumene notyalo-mali yiyo eya kukunceda ngemihla yakho kwimihla yezoqoqosho. Ke ngoko, kufanelekile umzamo wezi mpawu. Ngenxa yokuba umvuzo unokuvela kwinzuzo ephezulu yemisebenzi eqhutywa kwiimarike ze-equity.
Isichazi-magama esifutshane sokusebenza
Omnye iarhente yokulinganisa Liziko elibonisa ukusombulula nawuphi na umnikeli wezokhuseleko kwimalike. Phakathi kwezinto ezaziwayo zezona zibaluleke ngokukodwa ezinje ngeMoody's, Standard & Poor's kunye neFitch.
Kwikhontrakthi yeemveliso ezithile zezemali ezingezizo ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya, oko kubizwa ngokuba imbonakalo yemali. Ewe, oku kuthetha umahluko phakathi kweendleko zezixhobo zangaphandle ezinazo inkampani kunye nenzuzo efezekisiweyo ngeeasethi ezifunyenwe ngezixhobo.
Elinye lamagama aqhelekileyo kwiimarike zamasheya lelo linento yokwenza ne intsalela yeentlawulo kwaye oko kubhekisa ngokuthe ngqo kuthelekiso lwengeniso kunye neentlawulo zoqoqosho lwesizwe.
Ayibalulekanga kangako kuthwala i marike Kwaye yintetho ye-Anglo-Saxon ebonisa imeko esezantsi kwintengiso yemasheya. Uya kuyibona rhoqo phantsi kweli binzana hayi ngeSpanish, ngakumbi xa ibhekisa kwiimarike zezemali zamanye amazwe.
Xa uthetha malunga nenkampani edwelisiweyo, kuqhelekile ukuthetha ngayo irhafu. Ewe, ukusukela ngoku ukuya phambili, kuya kufuneka uyazi ukuba sithetha ngantoni ngenxalenye yenzuzo yabo kwaye ibonakalisiwe ngenxa yokuba zithathwa njengeziseko zerhafu ngeenjongo zeNkampani yeRhafu. Ke ngoko, ayinanto yakwenza nengeniso epheleleyo yeenkampani.
Kananjalo kwezi ntsuku igama livela nobuninzi kumajelo eendaba Iibhondi ezingafunekiyo. Akukho nto ingaphantsi kukhuseleko lwengeniso olusisigxina olukhutshwe ngenzala ephezulu ziinkampani ezinobungozi obukhulu
Iziphumo kwizabelo
Ngamanye amagama anxulunyaniswa ngakumbi nohlalutyo lobuchwephesha okanye indlela oziphethe ngayo kwiimarike zemali. Njengakwimeko ethile ye- buyabuya kwaye onentsingiselo yokwenyani kukuthenga kwakhona. Okanye umzekelo, intloko kunye negxalaba kuhlalutyo lobuchwephesha, inani elibonisa utshintsho kwindlela yentengiso. Kuyaziwa phakathi kwabatyali zimali abancinci nabaphakathi njengesixhanti sentloko.
Kwelinye icala, xa uthetha ngamaxabiso esitokhwe, igama lisetyenziswa kakhulu. urhwebo lwentengiso yesitokhwe into elula njengexabiso lehlabathi kuzo zonke izabelo zenkampani ezidweliswe kwiimarike zezabelo. Ukuhlala uhlala kulo naluphi na uhlalutyo olusisiseko olufanelekileyo ityuwa yalo.
Kwelinye icala, amagama avela kwimisebenzi evelisiweyo kwiinkampani ezidweliswe kwiimarike zezabelo azinakulityalwa nokuba. Ngubani ongazange ave kumajelo eendaba akhethekileyo ukuba yintoni a ukuhamba KWEMALI? Kulabo abangaziyo ukuba lithini eli gama le-Anglo-Saxon, kuyakufuneka ukubaxelela ukuba yimali ezinkozo eyenziwe yinkampani emva kokuhlawula iindleko kunye nokuqokelela intengiso. Lulwazi olubaluleke kakhulu ukuvavanya iziphumo zekota ekufuneka zidweliswe ziinkampani ezidwelisiweyo.
Kwelinye icala, kukho imigaqo ethi abatyali mali abancinci nabaphakathi basebenzise ngakumbi, ngakumbi abo bakhetha ukwenza imisebenzi yokuqikelela kwaye babhekisa kwabo badume ngokuba ertyisi. Kule meko, yinxalenye yentengiso yesitokhwe ebhekisa kukhuseleko olunemali encinci kakhulu kwaye inezokhuseleko ezimbalwa kakhulu kurhwebo. Ziye zaphawulwa kuba zinokuvelisa iingeniso ezinkulu, kodwa zikwabeka emngciphekweni omkhulu ngenxa yomngcipheko omkhulu wokuba imisebenzi yabo ivele.
Imijikelezo yezemali kwintengiso yesitokhwe
Ngokubhekiselele kule ndawo ibalulekileyo kuqoqosho, i Imijikelo yezemali zidityaniswe ngokuthe ngqo kwimeko yeemarike zezabelo. Phakathi kwezinye izizathu kuba zichonga ixesha lexesha lenkqubo echaziweyo kwaye inokuthi inyuselwe, ibambeke okanye ilandelele. Kubaluleke kakhulu ukubazi kuba ngaphandle kwamathandabuzo inokunika izitshixo ezifanelekileyo zokungena okanye ukuphuma kwiimarike zesitokhwe. Ngaphezulu kokunye ukuthathelwa ingqalelo kobuchwephesha okanye nakwindawo yokujonga iinkampani.
Elinye igama elithandwayo kuyo yonke imithombo yeendaba ezizodwa lelo libhekisa kwi kufutshane. Lithetha ntoni eli gama liqhelekileyo ekuboneni kuqala? Ewe, into elula njengomzuzu xa ikhontrakthi iphela ngokusemthethweni kwimarike yemasheya. Oko kukuthi, xa iimarike ze-equity zivaliwe kwaye i-stock market yaseSpain ihambelana ne-17,30. Njengehlelo longeniso kwaye kule meko akubhekiseli kwinto encinci kwaye akukho nto ingaphezulu kunengeniso yenkampani, kodwa ayisoze kwinto edibene neenzuzo zayo ezinokubakho. Ziingcinga ezithi ekugqibeleni zincede umtyali mali enze izigqibo zakhe ngesiqinisekiso esikhulu sempumelelo. Nangona bekhusela naluphi na uhlobo lwezibonelelo zalo naluphi na uhlobo.
Ulwahlulo kutyalo-mali
Kweli candelo abafundi bethu baya kuba beve ngeendlela ezingaphezulu kwesinye ukuba benze into echanekileyo ezahlukeneyo kutyalo-mali lwethu. Kwimeko apho nabani na engekayazi okwangoku, kuya kwanela ukutsho ukuba eli gama linzima lithetha ukuba indlela esekwe ekubekeni zonke iiasethi kuhlobo olunye lotyalo-mali. Okanye yintoni enye, ungatyali yonke imali kwibhasikithi enye, nokuba kungokwabiwa kwimarike yemasheya, iimali zotyalo-mali, iziqinisekiso okanye iidipozithi zebhanki zexesha elimisiweyo. Ngokuchasene noko, kufanele ifakwe kwimveliso eyahlukeneyo yemali ukuba kunokwenzeka kubatyali mali abancinci nabaphakathi.
Kananjalo akufuneki silibale ukuba a Isahlulo kwi-akhawunti kwaye eyahlukileyo. Eyokuqala kwezi kanye yile nzuzo isasazwe njengomboniso weziphumo zokugqibela ezilindelweyo kunye nokufunyanwa ngabanini zabelo beenkampani ezihlawula rhoqo. Ngelixa ngokuchaseneyo, isahlulo esinye sesona siqokelelwa ngexesha elinye, endaweni yokuhambisa isahlulo sethutyana kunye nezinye, ezinje ngesahlulelo esincedisayo. Kwelinye icala, ngubani ongazange athengise i-asethi eyimali engaphantsi kwamaxabiso entengiso. Ewe, mhlawumbi bawenzile umsebenzi ongenanzuzo bengazi ukuba into abayenzayo ngelo xesha yayikulahla inkunkuma.
Izibonelelo, uqikelelo, njl.
Oko kubizwa ngokuba EBITDA Ihlala ikhona kwiziphumo zeshishini zeenkampani ezithengisa esidlangalaleni. Ewe, akukho nto ilula njengokuyiguqulela ngokuthe ngqo ukubonisa ukuba sibhekisa kwinzuzo ngaphambi kwenzala, iirhafu, imbuyekezo kunye nezibonelelo. Lulwazi olubaluleke kakhulu ukufumanisa ukuba lixesha elifanelekileyo na lokutyala imali kwinkampani. Kwelinye icala, abahlalutyi bezemali baqwalasele le parameter yezoqoqosho ibalulekileyo kwaye bachaphazela ukubaluleka kwayo kokuhlalutya amaxabiso esitokhwe esitokhwe.
Elinye lawona magama asetyenziswa kakhulu kubudlelwane nehlabathi lemali kukulungisa. Kule meko ithile sithetha ngenye i-asethi yemali efana nemali. Ke ngoko, sithetha ngenqanaba lotshintshiselwano ukuba iibhanki eziphambili zisungula imihla ngemihla ngemali yazo ngokuchasene nabanye. Apho idola kunye ne-euro yeyona mithombo iphambili ekubhekiswa kuyo kwintengiso esebenzayo kakhulu kwaye ibonakaliswe kukungazinzi okukhulu xa useta utshintsho lwemihla ngemihla. Ngelixa kwelinye icala, i Forex Yimarike yotshintshiselwano lwangaphandle evumela abatyali zimali kwihlabathi liphela ukuba babelane ngemali phakathi kwabanikezeli kunye nabenzi bezicelo ezifanayo. Okokugqibela, iflat yasimahla ibhekisa kuloo nxalenye yesitokhwe esiyinkunzi esithengiswa ngokukhululekileyo kwiimarike.