Ngenxa yokuthi namuhla kunomncintiswano omningi ngokwengeziwe wemisebenzi maqondana nenani lemisebenzi etholakalayo, isihloko sosomabhizinisi nenkululeko yezezimali sesithandwa kakhulu; Kodwa-ke, lapho sifuna ukuqala i-adventure ye ukuba osomabhizinisi noma ukuba ngabatshalizimali siyabona ukuthi kunamagama amaningi namathuluzi esingazi ukuthi sizowasebenzisa kanjani, futhi kwesinye isikhathi asazi nokuthi akhona. Kulesi sihloko sizogxila ngqo ku okokusebenza kwezezimali lokho okukhona nokuthi yini umsebenzi wabo, ukuze sikwazi ukuthatha isinqumo sokuthi ngabe kuwumbono omuhle yini ukutshala imali, nokuthi iyiphi ithuluzi elifanelana kangcono nezidingo zethu.
Izinsimbi zezezimali Angamathuluzi lapho umtshalizimali ebeka khona imali yakhe ukuze akwazi ukuthola inzuzo ezohlangabezana nezilindelo zakhe; kepha singathola ukuthi kukhona okuningi kwalokhu izinsimbi zemali, ngakho-ke kuyadingeka ukuthi sazi izigaba ezilandelayo ezikhona. Ukuhlukaniswa okusisiza ukuthi sihlale sinolwazi futhi okuzosivumela ukuthi senze izinqumo ezingcono.
Ngakho-ke ukuze uqale ngokuhlaziywa kwalezi zinsimbi, kufanele kucaciswe ukuthi singazihlukanisa ngamaqembu amakhulu amabili, okokusebenza kwemali okokusebenza kwemali namathuluzi ezezimali asuselwe kokunye. Ngayinye yazo inezici zayo ezikhethekile futhi ezikhonjwa ngezinga lokuthenjwa nangokuthi kungenzeka kube khona inzuzo ekhona.
Izinsimbi zezezimali
Este uhlobo lwezinsimbi zezezimali Yilezo zinsimbi ezinenani elihlobene kakhulu nezimakethe, ngaleyo ndlela izimakethe ezinquma inani lethuluzi lethu.
Ukuphepha
Lezi zinsimbi zingahlukaniswa kuqala kwizibambiso, kepha Yini amanani? Ngendlela eyiyo kungachazwa njengelungelo lempahla lesibopho noma isihloko sekhredithi. Inani lifakwa kusetshenziswa idokhumenti evumela umnikazi ukuthi abe nelungelo elingaphezu kwenani lemali ngendlela yokuzimela nengokoqobo.
Igama elifanayo ukuthi izibambiso zingaba neziqu zezikweletu, okuyimibhalo evumela umnikazi ukuthi abhalise ukusetshenziswa kwelungelo langasese. Lesi sihloko sihlotshaniswa nenani elithile elishiwo ekuqaleni kwesigaba.
Ezinye izibonelo zokuphepha zingaba amasheke, amanothi ezethembiso nezikweletu zokushintshisana; ngakho-ke ngayinye yazo inenani lilonke elingenakushintshwa, okungukuthi, inani lesikweletu noma isibopho sokukhokha; kepha intengo okuxoxiswana ngayo ingahluka.
Okokusebenza kwezezimali okuphuma kuye
Un okokusebenza kwezezimali okuphuma kokunye Yilelo elinenani elinqunywa yizimpawu kanye nenani elifanele lezimpahla ezahlukahlukene ezihlobene ngqo nale nsimbi. Ngaphakathi kwalesi sigaba singathola lezo zimfihlo ezibhalwe emakethe yamasheya, nalezo ezinqunywe njenge okuphuma ngaphandle kwemakethe.
Este uhlobo lwezinsimbi zezezimali yibo abanamandla amakhulu okukhiqiza inzuzo, noma ukulahlekelwa; Ezikhathini eziningi, lezi zinhlobo zamathuluzi wezezimali zisetshenziselwa izinto ezimbili, ezezimali kanye nokutshalwa kwezimali. Ukuhlukaniswa kuncike kuphi? Kuya ngokuthi nguwe yini onikeza ukuthengiswa noma ukuthi ubani okuthengayo.
Uhlobo oluthile lwezinto ezisuselwa kuzezimali ziyizimali, ngoba ziyizimpahla ezinenani lazo eliqhathaniswa nolunye uhlobo lwemali, kepha leli nani lincike kokuguqukayo njengokuzinza kwezomnotho, izimo zepolitiki, njll. Ngamanye amagama, iyimakethe engashintshi, ngakho-ke ochwepheshe bancoma ukuba nesisekelo esiqinile sokutshala imali emakethe eshiwo ukufaka engcupheni imali yethu ngendlela yobudedengu.
Kepha ukuqeda ukuchaza kahle i- okukhishwa ngokwezezimali Ake sisho izici eziyikhombayo. Okokuqala, inani lazo lemakethe liyahlukahluka futhi liphendula izingqinamba ezinjengoshintsho kumazinga wenzalo noma intengo yezinye izinsimbi zezezimali, noma esimweni semikhiqizo, yinani lalokho okusetshenzisiwe okucashuniwe.
Kuya futhi nge amanani okushintshana okunezimali ezahlukahlukene futhi kwezinye izimo kuya ngemininingwane yenkontileka etholakele ukuze ikwazi ukutshala kulokho okusetshenzisiwe kwezezimali.
Enye ye izici ozithandayo Kwabaningi, ngukuthi utshalo-mali lokuqala aludingeki, noma uma ludingeka, inani lincane kakhulu kunotshalo-mali oludinga ezinye izinhlobo zezinsimbi zezezimali, kepha kubalulekile ukukucabanga lokho, yize lokhu kuyi inzuzo, futhi Kuyadingeka ukuthi ucabangele ukuba nesisekelo esiqinile ukuze ukwazi ukutshala imali kulolu hlobo lwensimbi.
Ekugcineni, isici esikhomba okokusebenza kwezezimali ukuthi zikhokhwa kuphela ngosuku oluzayo, okungukuthi, inzuzo noma ukulahleka kwazo akuqiniseki ngokuphelele, futhi kuze kube ngumzuzu lapho inkontileka inqanyulwa lapho umuntu ethola ukulahlekelwa.kodwa izinzuzo.
Ake sibone ngezansi ukuthi iziphi izinsimbi ezikhona ze- ukuhlukaniswa kwemali futhi okungokwemikhiqizo yezezimali.
Izinsimbi zezimali zokutshala imali
Bacatshangelwa ngaphakathi kwalokhu izigaba zamasheya kanye nemali engenayo engaguquki; leyo yemali engenayo eguquguqukayo yilezo ezingokwenhlokodolobha wokugcina, ngokwesibonelo, sinamasheya enkampani, yize kukhona okunye okunye.
Manje, igama ngokwalo lichaza imvelo yabo, iqiniso lokuthi bangabaka imali "eguquguqukayo" Kusho ukuthi kunokuhlukahluka kwamanani abonwayo, okuyisibonelo ngendlela elula, singasho ukuthi isabelo esifanayo senkampani efanayo sinenani lama-euro ayi-10 namuhla, kodwa kungakapheli isonto inani lesabelo esifanayo kungaba ama-euro ayi-12.
Este uhlobo lwezinsimbi zomculo Banemisebenzi emibili, ngokuvamile umtshalizimali uyaluthola utshalomali lwakhe, futhi bathola inzuzo yesikhathi eside, ukuze kube nomphumela wokutshalwa kwemali okuhle, kepha iqiniso ukuthi isizathu esiyinhloko sokuthi kungani lezi zinsimbi zikhona ukuthi zisebenza njengezezimali zenkampani kabani amasheya awo.
Ngokuqondene ne izinsimbi zomholo ezihleliwe Singasho izikweletu, lolu hlobo lotshalo-mali luphephe kakhulu kunemali engenayo eguquguqukayo, yize isivuno sayo ngokusobala siphansi; ezinye izibonelo zalolu hlobo lwensimbi yilawa izikweletu zomphakathi nezangasese, njengoba izikweletu zomphakathi, amanothi ezethembiso nezibopho zenkampani noma amanothi wesethembiso. Ngandlela thile, kungashiwo ukuthi lezi zinsimbi zixhasa ngezinga elinqunyelwe elizobuyiselwa emuva ngesikhathi esithile.
Abakhipha lolu hlobo lwenkontileka Bangasuka emazweni, baye emabhange noma ezinkampanini ezizimele, okwenza ububanzi bamathuba bube banzi impela, kunikeze amathuba amaningi wokuthi ingafakwa kuphi imali yethu.
abanye izinsimbi zemali akhona umshwalense, kulezi kunokwehlukahluka okukhulu, kusuka kumshuwalense wezimoto, izikebhe, ezentengiselwano, njll. Le mishuwalense ibhekwa njengethuluzi lezezimali ngoba umsebenzi wayo omkhulu ukuhlinzeka ukwesekwa kwezezimali ezimweni ezingezinhle.
Enye ye okokusebenza kwezezimali okunobungozi obuncane akhona yi izimali zokutshala imali, Kulolu hlelo, inhlokodolobha iqoqwa yibhizinisi elilawula bonke abatshalizimali, ngaleyo ndlela kutholwa imali enosayizi omkhulu ukuze ikwazi ukuthunyelwa esikhwameni sokutshala imali esinikezwa ibhizinisi, okungukuthi wenza utshalomali nokunyakaza kwemali enkulu, lapho isikhathi esivunyelwene nelensi yokugcina siphela, bese ebuyisa utshalomali lwakhe nengxenye yenzuzo ekhiqizwayo.
Ukuxhasa okokusebenza kwezezimali
Kulesi sigaba se- izinsimbi zemali izimalimboleko zingena zinjalo imali ebanjwayo, lapho isikhungo sezezimali sinikeza inani ukuthi likwazi ukuthola indawo yokuhlala, ukuze leso sikhungo sixhase ukuthenga; Olunye uhlobo lwensimbi yokuxhasa imali ngamakhadi wesikweletu, le nsimbi isetshenziselwa ukuthola imikhiqizo ethile noma izinto zokusetshenziswa ukuze ibhizinisi lisebenze.
Elinye ithuluzi lezezimali elikhona yi- ukuqashiswa kwezezimali, okuyinqubo efana nokuqashwa, ngoba oqashile ukhokha inani elichaziwe ngesikhathi esibekiwe, ukuze akwazi ukusebenzisa njalo impahla okukhulunywa ngayo; umehluko ngokuqashwa ukuthi ekupheleni kwesikhathi kufanele kube khona i- inketho yokuthengwa kwempahla, futhi inani olisethele lo msebenzi kumele libe ngaphansi kwenani lemakethe.
Kubalulekile ukuthi lapho inkampani inalokhu uhlobo lwezimali une-accounting enhle kakhulu, ngoba ukubhekelelwa kwezomthetho nokubalwa kwemali okubandakanyeka ekuqashisweni kwezezimali kucacile futhi kucacile, ngakho-ke kungcono ngaso sonke isikhathi ukuthi ube nayo yonke imibhalo edingekayo ukuze unqume izindlela ezingcono zokusebenza nezimpahla inkampani eqashisa ngazo inkampani . Yize kungenzeka ukuthi sithola ukuqashisa hhayi ezinkampanini kuphela, kodwa futhi nakwezodwana, futhi icala elithile kakhulu lelo lezimoto, lapho oqashile eqasha khona imoto nethuba lokuyithenga ekupheleni kwesikhathi.