Imali: ubunjalo, izinhlobo, imisebenzi

Ukuze uqale, ake uchaze ukuthi imali: okushiwo kubo ukuthi kuyinto okulingana jikelele yezindleko nezinye izimpahla namasevisi.

Ngalezo zinsuku, lapho kwakukhona izinsalela kwezimpahla, kwathatha izindlela jikelele yokukhokha. Ngezinye wabokuqala zenza kudingeke izidingo zabo, abanye izingubo ekudleni, noHezekeli. Ngokuhamba kwesikhathi, le nqubo exchange usuthandwa, ngemva kwayo kwaba khona isidingo ukudala umkhiqizo elinjalo, okuyinto wakwazi ukukhonza njengephayona yokukhokha noma iyiphi enye hlobo lwenkonzo. Ngakho ayelapho imali.

Ingqikithi

Ingqikithi yemali ihlukaniswe 5 amaphuzu:

- ukonga kanye efaka izindlela;

- yokukhokha;

- indlela kwegazi ;

- izindleko ngesilinganiso;

- imali ezweni.

Ake ukugxila ngamunye izinto.

elithile Inani

Kubonakala ngesikhathi intengo ekutholeni izindleko isevisi noma umkhiqizo. zibiza malini izinguquko (intengo), incike lezi zinto ezilandelayo:

- Izimo umzimba;

- Izimo ukukhiqizwa.

Osebenzelana zokwenana - imali

Ingqikithi yalo yokukhokha wukuthi inenzuzo amaqembu amabili (umdayisi-umthengi) ukwenza exchange. Futhi imali - umlamuleli kule kuthengiselana. Ngaphezu kwalokho ke iyithuluzi exchange, kubuye kube indlela ukusebenza ukubala (ukubolekisa, mortgages, ukubolekisa). Lesi sakamuva kwakuyisiqalo ukubukeka amakhadi epulasitiki.

kusho yokukhokha

Uma ungenayo imali eyanele ukukhokhela izimpahla noma amasevisi, kungenzeka ukuthatha ngesikweletu kudingekile noma ukukhokhelwa ayilibalanga: izimpahla-UKUHLEHLISWA-imali noma izimpahla-credit imali.

imali emhlabeni

Ingqikithi imali isetshenziswa izinkokhelo zamazwe ngamazwe. Namuhla, i-main international yokukhokha Phiko dollar.

izinhlobo imali

Ngamaqembu amabili: ukheshi kanye non-cash. Ngaphezu kwalokho ihlukaniswe subgroups eziyisithupha.

ukheshe:

- ushintsho okuxekethile;

- imali yephepha;

- credit (ikhadi) imali.

cashless:

- Credit card (plastic);

- lokukhokha amakhadi (plastic);

- ezezimali electronic.

Cabangela ezinye zezihloko okukhulunywa subgroups ngokuningiliziwe

Iphepha imali zihlanganisa yengcebo izikweletu, okuyinto ekhishwe isimo, ube ngalutho njengendlela material. Kodwa asetshenziswa kuzozonke izibalo kanye yokukhokha. Futhi ubheke imali yamaphepha imali yephepha.

Credit imali - ke ihlola, izikweletu, izikweletu.

kwemali ngomshini - kungcono imali, ngokuyisisekelo okuyinto bakwazi ukukhokhela ukuthenga / akhawunti inthanethi, okusho ukuthi kukhona ohlelweni yokukhokha ngomshini ( "WebMoney", "Yandex-imali", njll) kanye akhawunti asebhange elektroniki .

nemisebenzi imali

1. Imali - ithuba jikelele ukuhlola inani lezimpahla (ngezinga elithile value).

2. Imali - indlela jikelele zokuthenga (esebenzisa ukuzungeza).

3. Distribution umsebenzi. Kucondza shift evela kumnikazi kumamukeli.

4. Savings and uxhaso.

5. exchange.

isiphetho

Lesi sihloko wembula ukuthi abanjalo imali, zilwane, nemvelo, imisebenzi. Yokukhokha ayadingeka nokugcinwa emnothweni kazwelonke. sici yabo eyinhloko - inkokhelo yezimpahla kanye nezinsizakalo. Ngohlobo Lomuntu Okufanele Ube imali incike ukukhiqizwa into.