Ingqikithi futhi umsebenzi imali ezweni lanamuhla

Lutho emhlabeni kuba izingxabano ezinodlame ezinjalo phakathi kwabantu, njengoba ukubaluleka imali emhlabeni. Abanye baye bame kwelokuthi lokhu kuyinto ebaluleke kunazo zonke emhlabeni, ngoba imali kuphela kusinika pass ezweni elihle futhi uqaphele kakhulu amaphupho ukuthi unakekelwa ngesisa. Abanye, kunalokho, basola imali zonke ukwehluleka bathi kukhona okubi kunawo wonke emhlabeni. Wake wayisebenzisa yini ikhampasi futhi umsebenzi imali, ngempela? Namuhla sizozama ungasuki ukubukwa olukha phezulu nangokomzwelo le nkinga futhi ukuphuma c ngombono engenzeleli nengakhethi.

Imali uyithuluzi ezibaluleke kakhulu zezimali, lapho wonke umsebenzi kwezomnotho emhlabeni, kusukela Yiqiniso ajwayelekile ukuhweba phakathi kwabantu, ziphethe isiphelo sesimiso izivumelwano umphakathi phakathi kwalawa mazwe amabili. Kubalulekile ukuqaphela ukuthi imali isilinganiso esithile ukubaluleka kwezimpahla namasevisi, futhi umphumela waba ukuthi siyakwazi ukuhlola ngempumelelo ukubaluleka izinto ezithile emhlabeni. Naphezu kweqiniso lokuthi kule minyaka engu-70 ngekhulu leminyaka lamashumi amabili kukhanselwe US dollar isikhonkwane egolideni (igolide kanye silinganiso), namuhla empeleni igolide udlala indima ebalulekile ukuzinza kohlelo lwezezimali emhlabeni wonke. Ngenxa yalokho, ubunjalo kanye umsebenzi imali neqhaza ekunqumeni ekuthuthukisweni komnotho isimo.

Umzimba omkhulu, okuyinto uqaphe inani lwemali kuleli zwe, kuyinto ibhange central, okungase, uma kunesidingo ukuhoxisa ingxenye imali kwegazi, akhiqize ekushayweni (qeda) imali yamaphepha ezengeziwe. Ngokuvamile, ibhange central elawula nokusakazwa imali ngokuhambisana ethize nezidingo zomnotho ngesikhathi esithile.

Ingqikithi imali kanye nemisebenzi yabo zinqunywa le migomo elandelayo:

1. Lokhu kusinikeza ithuba lokufeza ezihlukahlukene enkulu izimpahla kanye nezinsizakalo on the ukuthengiselana ahlukahlukene
2. Ingabe izindlela kwegazi, lapho kungenzeka ukuhlola amandla okuthenga nje kuphela, kodwa futhi Ukuqhathanisa izimpahla bodwa
3. Aqede nemibi enana ngempahla, okuyinto kusiza kakhulu ukuthengwa lezo okuyizinto ezidingekayo.

Kuyaphawuleka ukuthi uhlobo umsebenzi imali akusiyo njalo kungenzeka ukuqhathanisa ngqo lwemali amanothi, okuyinto ujwayelene kakhulu ngamunye kithi. Kwezinye izimo eziphuthumayo, kanye bokulwa umthetho umsebenzi imali ongenza izitembu, okuyinto isimo ukhiqiza ku izimpahla ezibalulekile (amanzi, ushukela, isinkwa, umentshisi usawoti, nokunye). Ngakho, siyabona ukuthi umsebenzi imali ungenza, ngokuvamile, zonke izinhlobo zezinto, uma ukunikeza isilinganiso esithile value. Ngosizo amakhuphoni State kunganciphisa ingozi nokuqagela nokwehlisa ingxenye yomnotho isithunzi esimweni somnotho lingaqinisekile.

Kubalulekile ukukhumbula ukuthi imali wedwa nibaluleke kancane kakhulu, ngoba okuwukuphela kwesilinganiso igcwalisa nokubaluleka kwazo maqondana ezinye izinhlobo zemali. Ngaphezu kwalokho, wonke ama-credit futhi zezimali uhlelo zomhlaba is isandla exhunywe nomunye, okuholela ubunjalo nemisebenzi imali okwazi ukuyenza, futhi izibambiso. Nge aqakatheke kakhulu, izibambiso angase abe ithuluzi yezezimali ikhomishana ukuthengiselana ezinkulu commercial noma nokuhlanganiswa izinkampani ambalwa. Wabelana izibopho izinkampani lizinga nenhloko-dolobha yalo, i-okuyinto lokhu inkampani is zenani emakethe, kanye namanani entengo kwenzeka sonke isikhathi, futhi ukubaluleka ukwabelana kungenzeka noma bavuke noma iwe.

Ekuphetheni, kufanele kuphawulwe ukuthi isimo, imisebenzi kanye izinhlobo imali kukhona ububanzi ezibanzi ukuze theory kwezomnotho ezichaza ngokugcwele zonke izinto ngaphakathi sihloko akunakwenzeka. Lapha sikhuluma izisekelo kohlelo yemali, azi ukuthi wonke umuntu uyokwazi ukuba ukuqonda kangcono ukugeleza eziyinkimbinkimbi kolwazi kwezomnotho.