Omnye weengozi abanazo abatyali zimali abancinci nabaphakathi kukusebenza namaqonga ezemali angalawulwayo. Ngomngcipheko ocacileyo wokuba baphulukane nolondolozo lwabo njengoko bengamalungu abonakaliswa kukungafihlisi kwabo okuphantsi. Enye yeendlela ekufuneka uzifumanise kungolwazi olunoxanduva lokudlulisela kwiKhomishini kaZwelonke yoThengiso lweNtengiso. Apho ezinye zazo zisebenza zivela phesheya kukuba abasebenzisi bayayiqonda le nyaniso.
Kodwa athini la maqonga akwi-Intanethi otyalo-mali lwabucala? Ukuqala, banikezela abathengi babo ngeemveliso zemali ezidlula ngokuba ziphucukile ngakumbi. Banelisekile kukuthenga kunye nokuthengisa izabelo kwimarike yemasheya, kodwa bathengisa iimodeli zotyalo-mali ezinobungozi obukhulu ekusebenzeni. Njengomzekelo, iziphumo kunye nentshukumo yorhwebo. Kuzo zonke iintlobo zeeasethi zemali: izinto ezingavunyelwanga, izitye ekrwada kunye nezinye zezona ndawo zichaphazelekayo.
Ngelixa kwelinye, bahlukaniswa ngumgangatho wabo ophezulu kwaye uphezulu kakhulu kuninzi lweemveliso zezezimali. Ukuze ngale ndlela, iinzuzo zikhawuleze kakhulu kwaye kwisithuba esifutshane kakhulu sexesha. Kodwa ngenxa yezi zizathu ezifanayo ilahleko zinokuba namandla kwaye zikushiyele indawo ebaluleke kakhulu kutyalo-mali. Ngaphandle kwengeniso eqinisekileyo nakweyiphi na imeko kuba ziintshukumo ezi-agile kakhulu kwaye zifuna ubuchwephesha obukhulu kwicala labasebenzisi.
Imisebenzi yokurhweba: iprofayili
Ezi mveliso zezemali ngokuqinisekileyo azifanelekanga kuzo zonke iiprofayili zabatyali mali. Ukuba akunjalo, ngokuchaseneyo, zijolise kubaphulaphuli ekujoliswe kubo abanenjongo yokuqikelela ngeeasethi zemali, nokuba yeyiphi na. Kungenxa yokuba malunga nokuphela kosuku kukufumana inzuzo kwelona thuba lifutshane linokubakho. Ukuza kuthi ga kwinqanaba lokuba uninzi lwale misebenzi luhleliwe kwiiyure ezimbalwa. Ukutshintshelwa kwiindlela ezintsha zetekhnoloji kwinto ebonakalisa uphawu lweakhawunti yorhwebo engalawulwa.
Ukusebenza nala maqonga ezemali kunyanzelekile ukuba uvule iakhawunti kwaye uqalise ukurhweba kwiiasethi ezahlukeneyo zezemali. Zithunyelwa nge-Intanethi kwaye zinokumiselwa ngokusesikweni kuso nasiphi na isixhobo sobuchwephesha: iifowuni eziphathwayo, iikhompyuter zakho, iipilisi, njl. Yonke into ilula ukuyenza, kodwa lo ngumngcipheko owuthathayo ngokuthatha ezi ntshukumo kwiimarike zezemali. Kwaye oko kuyandiswa kukuba amanye ala maqonga ezemali awalawulwa okanye anemvume yokusebenza kwilizwe lethu.
Iikomishini eziphezulu ekusebenzeni
Olunye lweempawu zalo ezifanelekileyo kukuba basebenzise iikhomishini ezibanzi kakhulu kwimisebenzi nganye. Zombini ekuthengweni nasekuthengisweni kweeasethi zemali. Ngolwazi oluncinci kakhulu malunga nabo kwaye apho lifika khona ixesha apho unokurhanela ukuba la maxabiso awasemthethweni. Ukuba awufuni ukuzibona ubandakanyeka kwelinye lala maqonga ezemali akwi-intanethi, akukho nto ilunge ngakumbi kunokudibana noluhlu olukhutshwa yiKhomishini yoKhuseleko lweLizwe kaZwelonke rhoqo. Uya kuthi emva koko ufumanise ukuba ungasebenza okanye hayi ngaba bameli bezezimali kwaye phantsi kweziphi iimeko.
Omnye umngcipheko ongena kuwo xa uvula olu hlobo lwezikhundla kwiimarike ze-equity yile ivela kwiintlawulo zabo. Unokuba neengxaki ezinzulu zokufumana imali ekusebenzeni kwiakhawunti yakho yokonga. Ayothusi into yokuba ukusilela kwayo kuninzi kwaye kwahlukile kwindalo ngaphandle kwento abanokukunika yona ukusuka kumzuzu wokuqala. Lilonke, kubonakala kulula kakhulu ukwenza ukonga kunenzuzo kodwa uyakuqonda kungekudala ukuba ayisiyondlela. Ke ngoko, lumka kakhulu malunga nekhontrakthi yeemveliso zezemali kule klasi yamaqonga akhethekileyo edijithali.
Ukuthengisa iimveliso ezahlukeneyo
Ukuba aba baqhubi babonakaliswa ngento ethile, kungenxa yokuba bakunika iimodeli ezininzi zotyalo-mali kodwa benedinominetha eqhelekileyo ethengisa imisebenzi ngokubanzi. Asingabo bonke abatyali mali abancinci nabaphakathi abasetyenziselwe le misebenzi. Ukuba ayisiyiyo kuphela eyabonelela ngenkangeleko ethe chatha ngakumbi kunabanye. Yiprofayile echazwe kakuhle: abasebenzisi abancinci abanxibelelana nezixhobo zetekhnoloji kwaye abafuna ukufumana ngokukhawuleza okukhulu. Kodwa okomzuzwana baya kuzifumanisa bothukile kukuba la maqonga ezemali awalawulwa.
Ngelixa kwelinye icala, ubulula bokwenza imisebenzi yayo ibe yenye yeempawu zayo. Ewe, la maqonga akwi-intanethi awanazo iiofisi okanye amasebe. Ukuba akunjalo, ngokuchaseneyo, zonke iinkqubo zenziwa nge-Intanethi kwaye ngaphandle kwemida kwiindawo ezisebenza kuzo. Zivulelekile kwiimarike zezemali kwihlabathi liphela kuba akukho mida malunga noku kwaye ungaya kuyo nayiphi na intengiso yamanye amazwe kwikhompyuter yakho okanye kwikhompyuter yakho.
Usebenza njani kumaqonga?
Ukuba into ethile kwiimodeli ezizodwa zibalasele kutyalo-mali lomntu ngamnye, kungenxa yokuba zamkela phantse zonke iifomathi. Kungenxa yokuba, enyanisweni, unokwenza imisebenzi yendalo eyahlukeneyo (izitokhwe, iiCFDs, i-forex ...) ngokubaluleka kokunyusa kuphakame kakhulu. Apho nayiphi na impazamo kutyalo-mali inokukuxabisa kakhulu kwaye ke kukushiye uninzi lwama-euro apha endleleni. Kuya kufuneka uyazi ukuba ezi ntshukumo azifani nokuthenga kunye nokuthengisa izabelo kwiimarike ze-equity.
Kwelinye icala, yimisebenzi ekufuneka uyazi ubuchwephesha ekusebenzeni kwayo ngaphandle kokufuna ukuphulukana nenxalenye elungileyo yotyalo-mali. Kwelinye icala, kufuna ukuba kufundwe ixesha elide kwimisebenzi yayo kuba kuninzi sibhekisa kwimisebenzi yorhwebo. Enye yezona zinobungozi kwaye ayijoliswanga kubo bonke abasebenzisi beli klasi leemveliso zezemali.
Amabango phambi kwe-CNMV
Ikhomishini yoKhuseleko lweSizwe ikwava izikhalazo okanye amabango abatyali mali xa bejonga ukuba ukuthembeka kotyalo mali lwabo kungonzakaliswa kukuziphatha kwabantu okanye amaziko aphantsi kolawulo lwe-CNMV. Ukuba le yimeko ethile yomtyali mali omncinci, kufuneka uqale ukhalaze INkonzo yabaThengi okanye iOmbudsman yoMthengi yequmrhu. Ukuba awuvumelani nempendulo oyifumeneyo okanye ngaphezulu kweenyanga ezimbini kudlulile ngaphandle kokuba ibango lakho lisonjululwe, ungaya kwi-CNMV.
Kule meko ibango Iya kungeniswa ngencwadi ebhaliweyo, ngefeksi okanye ileta ebhekiswe kwiqela elilawulayo laseSpain. Apho injongo kukuba ekugqibeleni umtyali mali ophakathi nophakathi angawahambisa amabango abo avela xa bonzakele ekusebenzeni kwemveliso yezemali. Ukuqeshwa ngokomntu onoxanduva lwayo: amaziko ezemali, imarike, izinto ezingagunyaziswanga, iimali kunye neKhomishini kaZwelonke yoThengiso lweNtengiso.
Iiakhawunti zokurhweba ngemali
IKhomishini kaZwelonke yoKhuseleko lweMarike (CNMV) inike ingxelo yokuba ifumene imibuzo kunye nezikhalazo ezivela kubasebenzisi bamaphepha ewebhu anikezela ngenkonzo ebizwa ngokuba yiakhawunti yokurhweba ngemali. Ezi nkonzo zinikezela ngamathuba okufikelela kwiakhawunti yezokhuseleko ukwenza imisebenzi eyahlukeneyo (isitokhwe, iiCFDs, i-forex ...) ngokukodwa ukuba umsebenzisi akazukubeka emngciphekweni imali yakhe eyinkunzi, ekubonakala ukuba isebenza kunye nephepha ngokwalo. kwaye ukubuyisela, ubuya kuthi ufumane ipesenti yeenzuzo ezenziwe.
Ukuze ukwazi ukusebenzisa ezi akhawunti zorhwebo zixhaswa ngemali, umsebenzisi kufuneka athathe ikhosi apho, phakathi kwezinye izifundo, imigaqo yorhwebo emayilandelwe icacisiwe, kufuneka apase iimvavanyo zokusebenza kwindawo efanisiweyo nakwimida yokusebenza (ubuninzi belahleko yemihla ngemihla , inqanaba lomngcipheko ...). Le khosi ifuna ukuhlawulwa kwemali yangaphambili, ngamanye amaxesha amawaka aliwaka eeuros, ukuze ube nakho ukuya.
Umngcipheko wabarhwebi kwimarike yemasheya
IKomishini yezoKhuseleko kuZwelonke inqwenela ukulumkisa abasebenzisi abanokubakho ngee-akhawunti ezinjalo ngomngcipheko abawenzayo ekungeneni kwezi zifundo, kubandakanya ubuqhetseba okanye inkohliso ngokubhekisele ekufumaneni iiakhawunti zorhwebo ezixhasiweyo. Abatyalomali bakwalunyukisiwe ukuba ukuhanjiswa kwezi khosi okanye ukuvulwa kwezi akhawunti zichazwe apha ngasentla aziweli kumgangatho wesenzo se-CNMV ngokwemisebenzi eyabelwe yona nguMthetho weNtengiso yezoKhuseleko, nangona bezakuba phakathi kwamagunya ayo okuphatha. imisebenzi eyahlukeneyo enokwenziwa kule akhawunti kwiimarike zezemali. Apho ukubanakho ukutyala imali akufuneki kuncitshiswe kuphela kwisalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35.