Kuyini ethakazelisayo okuqhubekayo intela isikali

Inani lemali ithela kulo isabelomali isimo, njalo waqashwa uhlelo intela yezwe. Ngenhloso ukuhanjiswa umthwalo wentela esuka kubantu abampofu e izishayamthetho ocebile yasungulwa ngumuntu intela isikali lesichubekako, esasetshenziswa esikhangisweni se-Russia kuze 2000. Kodwa intela lesichubekako, kwacaca ukuthi, kanye ezicini ezinhle, has nezihibe, ezenza kube hhayi ethandwa kakhulu.

Kuyini intela okuqhubekayo

Uma ukuchaza ngamazwi alula singathi, intela okuqhubekayo - imali ukuthi icala silingane umholo. Ngamanye amazwi, yilapho wena uthole, ayanda intela.

Lolu hlelo yentela ngokunembile wonke umqondo walo kwezomnotho. Ludizayinelwe usabalalise ukukhokha intela phakathi kwezakhamizi abanale amazinga ehlukene engenayo. A isikali okuqhubekayo uyakwazi ukuphatha kangcono babhekane nezinga elikhulu kwezenhlalo sabantu.

Yayiyini lentela okuqhubekayo

Progressive intela isikali eRussia lasetshenziswa ngokumelene sentela yengeniso. Kuye ngobukhulu we okuholela siqu kwentela yemali engenayo ngenzuzo maningi eziningana ezithakazelisayo. osenyameni ngamunye uyazithoba imikhawulo ethile zimisiwe, kuleso simo izinga ngokweqile nhlobonhlobo phezulu. Ngenxa yokuthi base yentela ibalwa njalo accrual, ukwanda yentela abasebenzi iphutha ngasekupheleni konyaka.

Izinhlobo ezinkulu intela, kanye nohlobo kancane kancane accrual

intela Progressive ungaba izindlela ezahlukene ukushaja izimali. Kule ndaba, bathi zingahlukaniswa zibe izinhlobo eziningana:

• Emongweni ukukhokhiswa owodwa esigabeni kuyinto ubuncane Imali engabuyi zikhokhe intela kanye nenkundla izinga kahle eliphezulu.
• Multistage accrual isimiso inamazinga eziningana nenzuzo, engavimba amanani athile. Ngaphansi isimiso esinjalo ingasetshenziswa kusuka degrees ezimbili nanhlanu. Kuvele isici esithakazelisayo le ndlela yokubala Kuyaphawuleka ukuthi ngesikhathi shintsho esigabeni esilandelayo, le likhuphuke isebenza kuphela ingxenye inzuzo, eyeqa embundwini.
• Progressive ukuhlolwa isikali kungaba komugqa ukushaja isimiso. Kusekelwe phezu ukwenyuka kancane izinga eyisisekelo intela, esekelwe ukukhula imali isici. uhlelo ezinjalo ubhekwa impela, kodwa kunzima ukuwenza asebenze.

Ngamunye okungenhla okuqhubekayo ohlelweni yentela, ubuhle nobubi bayo, futhi sisetshenziswa emazweni ahlukahlukene, kuncike inqubomgomo yentela state. Ngokwesibonelo, kwamanye amazwe, umuntu othile uhlobo enikeziwe ngempumelelo supply isabelomali izinkokhelo, ngenkathi ezinye indlela ngokuphelele kwehlulekile.

Ibuyisa ukuthi intela okuqhubekayo ezweni lethu?

Muva nje, izishaya waphinda waveza le nkinga ukwethula okuqhubekayo intela esikalini. Indlela ezihlongozwayo kuyinto multistage ukushaja indlela. Isigaba ngasinye inikezwa yayo sentela, futhi kwathatha komunye esiteji omunye engenayo is intela ngokweqile kuyinsakavukela. Ngokwesibonelo, kwahlongozwa isigaba sabantu abahola kuze kufinyelele ayizinkulungwane 60. Hlikihla. ukuthi izinga 5%. abahola kakhulu - ruble 60 kuya kwezingu-600 .. - ukuze bazokhokhisa 15%, kanye accrual ka-ruble ayizigidi 600 .. - 25%. Kodwa, naphezu kweqiniso lokuthi enjalo intuthuko intela isikali kungaletha ngenzuzo elisemqoka kuya isabelomali, umthetho sinqatshelwe. Indlela selihlehliselwa ngalezo zikhathi lapho zizosebenza kakhulu ekuthuthukisweni komnotho wezwe. Libuye imbangela ukuphambuka baba izindleko ezinkulu ezihlobene ne-isingeniso njalo kwesimiso esinjalo.

uhlelo intela nge rate umahluko

Njengoba isibonelo okunye intela okuqhubekayo inganikelwa uhlelo umahluko accrual izimali ngoba intela value-added. Umqondo wukuthi ezihlongozwayo ukusebenzisa izinga eliphansi kunawo wonke, futhi zisebenza ephakeme ephezulu Inani izimpahla zentela ezibalulekile. Kucatshangwa ukuthi izakhamuzi abaye aphakeme engenayo, kuyizinto eziyinhloko abathengi okunethezeka izimpahla, kule ndaba, zizokhokhela intela ngesikhathi ephakeme rate. Ngakwelinye ihlangothi, izakhamuzi engenayo kancane kuyoba ekhululiwe lesi siprofetho. uhlelo enjalo ingase ibe kakhulu ngokulinganayo ukusabalalisa umthwalo wentela phakathi laphakathi sabantu.

Flat futhi lesichubekako intela isikali kukhona ukuncintisana okuqhubekayo. Abagqugquzeli intela flat phikisana icala labo ukuthi isikali okuqhubekayo kunciphisa ugqozi izakhamuzi ukuze uthole okwengeziwe, njengoba nokunyuka kwemali ngeniso intela ukwanda kwemali engenayo. Futhi, isilinganiso esiphansi ungakuvumeli ukuba kusungulwe yobulungiswa kezokuhlalisana, nokulingana zonke izakhamuzi, kungakhathaliseki ezingeni engenayo.

ngezici ezinhle nezimbi intela okuqhubekayo

Njenganoma iyiphi uhlelo, intuthuko intela isikali has izici zayo emihle nemibi. Phakathi izinzuzo awumthombo ephumelelayo izinkokhelo isabelomali, ukunciphisa ukwehlukana kwezenhlalo emphakathini. I yokuntula yokwanda emthunzini ngenzuzo akunakubangelwa intuthuko esikalini, ephakeme abangasebenzi, ephansi impahla ngemihlomulo, izindleko ezinkulu kokusebenza.

Uma sihlaziya konke okungenhla, singathola waphetha kanje, ukuthi okuqhubekayo intela esikalini - lena ngempela somthetho enamandla ekungalinganini emphakathini umthombo imali engenayo ezengeziwe isabelomali. Mhlawumbe, izishaya-mthetho ohlongozwayo imodeli intela akayena ngempela ephelele, kodwa sithembele yokuthi, ngokusekelwe isipiliyoni kwamanye amazwe futhi ikhumbula izici yomnotho wethu, umphumela kuyoba isinqumo esifanele, lapho kuyoba ofanele kakhulu ngabantu abayizakhamuzi ezejwayelekile.