Njengoba wazi kahle, amabhange ahlinzeka ngezinhlobo ezahlukene zama-akhawunti ukuze azivumelanise kangcono nezidingo zabantu. Yiqiniso, njalo ukuhambisana nezidingo ezithile ezinqunywe ibhange. Kulesi sihloko sizokhuluma ngokuqondile nge-akhawunti yekhredithi. Lokhu kubahambela kahle kakhulu abazisebenzayo kanye nosomabhizinisi, njengoba kubavumela ukuthi bathole imali ukuze bakwazi ukwenza izinkokhelo ezithile ezivela ezenzakalweni ezingalindelekile.
Uma ucabanga ukuvula i-akhawunti yesikweletu, ngincoma ukuthi uqhubeke nokufunda. Sizochaza ukuthi lolu hlobo lwe-akhawunti luyini, lusetshenziselwa ini, yiziphi izinzuzo nezingozi zalo, futhi luhluke kanjani emalini ebolekiwe. Ngethemba ukuthi lolu lwazi luwusizo kuwe.
Yini i-akhawunti yekhredithi?
Ngaphambi kokungena emininingwaneni eyengeziwe, ake siqale siphendule umbuzo omkhulu: Iyini i-akhawunti yekhredithi? Hhayi-ke, wuhlobo lwe-akhawunti yasebhange evumela ozisebenzayo noma inkampani okukhulunywa ngayo uthole inani elithile lemali ukuze ukwazi ukubhekana nezinkokhelo ezihlukahlukene ezihlobene nemisebenzi yezohwebo. Le mali kuvunyelwene ngayo nebhange ngaphambilini.
Inhloso enkulu yalesi sivumelwano phakathi kwebhange nebhizinisi okukhulunywa ngalo ukuthi lesi sakamuva iyakwazi ukuxazulula noma yiziphi izinkinga zemali engase ibe nazo ngokushesha ngangokunokwenzeka, mhlawumbe ngenxa yokushoda kwemali engenayo isikhathi esithile noma ngenxa yezehlakalo zezomnotho ezingalindelekile, ezingase zibeke engozini uhlaka lwezezimali lwaleyo nkampani.
Inzalo namakhomishini
Yiqiniso, amabhange awanikezi lolu hlobo lwe-akhawunti ngaphandle kokucela noma yini ngokubuyisela. Ukuzigcina Kufanele ukhokhe izinzalo ezahlukahlukene kanye namakhomishini. Sizobeka amazwana kuqala ngezinhlobo zenzuzo ehambisana nama-akhawunti wezikweletu:
- Izithakazelo zabakweletwayo: Inzalo yekhredithi isetshenziswa ezimeni lapho i-akhawunti okukhulunywa ngayo inebhalansi ephozithivu. Ngamanye amazwi: Yilokho okufanele ukukhokhe uma usebenzisa imali engaphezu kwaleyo okwakuvunyelwene ngayo ngaphambili.
- Inzalo yokweleta: Lolu hlobo lwenzalo lusetshenziswa ekusebenziseni imali ebolekwe yibhizinisi lasebhange ngokuya ngesikhathi sokukhishwa.
Ngaphandle kwezintshisekelo esisanda kuphawula ngazo, kufanele futhi ukhokhe amakhomishini ahlobene nama-akhawunti wezikweletu, futhi zingaba phezulu kakhulu. Ngokuvamile, amabhange akhokhisa lokhu okulandelayo:
- Ikhomishini yokuvula: Ngokuvamile, ikhomishini yokuvula ivamise ukuba phakathi kuka-0,25% no-2% womkhawulo omkhulu okuvunyelwene ngawo nebhange.
- Ikhomishini Yokutholakala: Leli iphesenti elisetshenziswa emalini engachithwa uma sekuyisikhathi sokukhokhela inzalo. Ngamanye amazwi: Yinani elikhokhiswa ibhange ngokunikeza kuphela ukusetshenziswa kwenani eliceliwe. Ngaleso sikhathi, leyo mali ayikwazi ukusetshenziswa yinoma ubani omunye. Ngokuvamile, le khomishini ingaphansi kuka-0,1%.
- Ikhomishini yebhalansi eyeqile: Akuwona wonke amabhange akhokhisa le mali, kodwa amanye akhokhayo. Kuhle ukuzazisa kusengaphambili futhi ufunde yonke imibandela kahle.
Isetshenziselwa ini i-akhawunti yekhredithi?
Njengoba sesishilo ngaphambili, i-akhawunti yesikweletu iwusizo kakhulu kwabazisebenzayo kanye nezinkampani ukuba zibe nemali etholakalayo lapho zibhekene nezindleko ezingalindelekile noma izindleko zokuqala, okungukuthi, izindleko abanazo ngaphambi kokuthola imali. Ukusebenza kwalolu hlobo lwe-akhawunti kulula kakhulu: Ibhange linikeza ikhasimende inani lemali okuvunyelwene ngalo, elivame ukuzisebenza noma izinkampani. Ngokusobala, ikhasimende kufanele libuyisele leyo mali phakathi nezikhathi ezishiwo. Imvamisa, leli gama livamise ukuba phakathi kwezinyanga eziyisithupha nonyaka owodwa.
Uma ucabanga ngakho, i-akhawunti yekhredithi ifana kakhulu ne-akhawunti yokuhlola, inqobo nje uma ibhalansi yayo ihlala ilungile. Njenge-akhawunti yamanje, futhi ngekhadi lesikweletu ungakwazi ukuqondisa imali engenayo noma amarisidi, ukudlulisa imali, nokunye okwenziwa njalo.
Izinzuzo nokungalungi
Okulandelayo sizokhuluma ngesihloko esibalulekile se-akhawunti yesikweletu: Izinzuzo zayo kanye nokubi. Kunjalo iphuzu layo elikhulu elivuna ukuthi inkampani ingaba nemali yokukhokhela izindleko eziphuthumayo nezingalindelekile, njengoba kungaba isibonelo uguquko. Kodwa ngaphandle kwale nzuzo enkulu, kukhona ezinye okufanele sizigqamise:
- Ukuvumelana nezimo okukhulu mayelana nentshisekelo nemibandela yokukhokha.
- Ubungozi obuncane bokungakhokhelwa kwabasebenzi.
- Amathuba amaningi okuthi ukhokhele abahlinzeki bempahla futhi ugweme izikweletu.
- Ukusebenza okuyisisekelo: Kubukeka njenge-akhawunti yokuhlola. Ngalolu hlobo lwe-akhawunti ungakwazi futhi ukuphatha izindleko zansuku zonke zenkampani.
Nokho, i-akhawunti yesikweletu futhi inenani lokungaphumeleli Yini okufanele siyicabangele:
- Kunzima kakhulu ukuvula lolu hlobo lwe-akhawunti kune-akhawunti yokuhlola, isibonelo.
- Kufanele uqinisekise ukuthi une-solvency yezezimali eliphezulu ngokwanele ukukhokhela izindleko. Ngalesi sizathu, izinkampani ezisanda kwakhiwa noma izinkampani ebezinezinombolo ezingezinhle iminyaka eminingana zinobunzima bokuthola i-akhawunti yesikweletu.
- lolu hlobo lwe-akhawunti Akubonisiwe kulabo bantu abanombono omfushane (Akufanele sikhohlwe ukuthi bakhokhisa ikhomishini yokutholakala, okungukuthi, bakhokhisa kuphela ngoba leyo mali itholakala kulowo muntu othize).
Uyini umehluko phakathi kwesikweletu nesikweletu?
Kuvamile ukuthi abantu abaningi bacabange ukuthi isikweletu nesikweletu kuyefana, kodwa akunjalo ngempela. Umehluko omkhulu phakathi kwale miqondo emibili indawo lapho imali iya khona. Ngokuvamile, imali etholwe ngesikweletu isetshenziselwa ukuthenga impahla, njengendlu noma imoto, kuyilapho i-akhawunti yesikweletu isetshenziselwa ukukhokhela izindleko ezivamile zenkampani. Kufanele futhi kuqashelwe ukuthi imali itholwa ngesikhathi esisodwa uma isicelo semalimboleko siceliwe. Ngakolunye uhlangothi, ku-akhawunti yesikweletu akudingeki ukuthi sithole yonke into ngesikhathi esisodwa.
Njengoba ubona, i-akhawunti yesikweletu iyindlela enhle ezinkampanini nabazimele. Ngakho-ke uma sicabanga ukumisa inkampani, kufanelekile ukucela ulwazi mayelana nezimo zalolu hlobo lwe-akhawunti kumabhange ahlukene.