Ngikuphi okuhlukileko kuneGreyidini nomnikelo idiphozi, futhi yini abakubonisayo

Isintu eyinqaba ukulondoloza buthelela imali, futhi lesi sici yaziwa isikhathi eside. Uhlelo tetimali ithuthuka ngokushesha, kuye kwavula ukudalwa amabhange inqubo. Lezi zikhungo ukunikeza abantu ithuba hhayi nje kuphela ukulondoloza imali yabo, kodwa futhi ukwandisa kubo. Lokhu kungenziwa ngezindlela imali kanye imali. Abaningi ukubona yezinto ezinjalo, kodwa ukwenza kanjalo ngeke kukusize ngalutho kuso. Kulesi sihloko sizoxoxa ngalokho lihlukile umnikelo idiphozi.

Uyini umnikelo

Ngaphansi umnikelo kuhilela ukudluliselwa ngabanye noma izinhlangano, imali yasebhange isikhungo ukuze alondeke. Ibhange, yona, ukuba ikhokhe ikhasimende lakhe ethile lokhu idiphozi.

Inani ukuthi lufakwa ngaphansi inkontileka, ungathola konke ngesikhathi esisodwa ngesicelo noma ukuhoxisa nyangazonke.

Kuyini idiphozi

Imali abizwa ngokuthi imali nje kuphela kodwa futhi izibambiso ukuthi zadluliselwa inhlangano yasebhange ukusetshenziswa okwesikhashana imali futhi ukunikeza ukuphepha eziqine kakhudlwana.

Lokho kungase ngaphezu umnikelo yemali ezothathwa ngaphansi idiphozi:

• zemali, amatshe ayigugu, izibopho kanye nempahla;
• iminikelo emagunyeni zokuphatha noma ezidinga ikomiti yokwahlulela;
• okubizwa ngokuthi Depository noma, uma sikubeka kalula, idiphozi amabhokisi ;
• umnikelo amasiko igunya imisebenzi kanye nokukhokha intela.

Kuyinto elula kakhulu, ngoba abaningi ngenhloso ukonga imali ukuze bathenge izinto zokuhloba. Ngeshwa, ezweni lanamuhla inesihluku, + kaningi sizwa ukweba, ngakho-ke kungcono ukuphathisa amagugu abo ebhange.

Ngikuphi okuhlukileko kuneGreyidini nomnikelo idiphozi

Umqondo "umnikelo" ibhekisela kubantu, kuyilapho idiphozi isetshenziswa ngokuyinhloko for amabhizinisi, izikhungo kanye izisekelo. Lesi yisihloko sokuqala, umehluko phakathi idiphozi kusukela idiphozi.

ukuma okuqinile imali ukuze nobe esifundvweni lesitsite kanye ukungezwani kwawo kuhlobane ngokuqondile yonke eMthethweni? "Ngakolunye Amabhange Banking Umsebenzi".

Vula idiphozi kungaba kuphela ibhaliswe ngokomthetho yasebhange, esisebenza ngezinga ngokomthetho ngokuphelele. Isimo ezahlukene ngokuphelele umnikelo angavulwa kunoma iyiphi isikhungo noma inhlangano, kungakhathaliseki ebhange noma cha. Lena enye into okuphendula umbuzo mayelana nomehluko phakathi nomnikelo idiphozi.

Ngaphezu kwalokho, abantu bangakwazi ukwenza idiphozi hhayi kuphela imali kodwa ngesimo ubucwebe nokunye okuningi. Umnikelo ayikwazi wathi, njengoba kungaba khona kuphela ngesimo lwemali kanzima. Lena umehluko phakathi okomnikelo idiphozi futhi, mhlawumbe, umehluko ezibaluleke kakhulu phakathi kwabo.

Omunye umehluko itholakala lokuthi ukuthi idiphozi iyisevisi isikhathi, umnikelo kungenziwa ezishumekwe isikhathi eside kuze kube yilapho wabiza.

Konke okungenhla futhi kuyoba impendulo yombuzo umehluko phakathi idiphozi yomnikelo.

Izinzuzo imali

Usuvele Sesifunde okuningi ngalokho idiphozi lihlukile umnikelo, izinzuzo zalezi zici ezimbili, futhi, kukhona ezibaluleke kakhulu.

Inzuzo enkulu idiphozi ukuqinisekisa ukuphepha imali yakho ukwehla kwamandla emali. Kubaluleke ngani ukugcina imali etafuleni eliseceleni kombhede bese ubuka njengoba "ulahlekelwe isisindo"? Ukweba, futhi, liye, ngeshwa, banawo, futhi okungafanele siyikhohlwe ngakho. Izikhungo zemali uyobavikela imali yakho ekuhlaseleni ezingaba khona. Idiphozithi - umshwalense wakho omkhulu.

Umnikelo izimisele ukonga imali, futhi ngaleyo ndlela iletha inzuzo kumnikazi wazo. Ukuze ukuheha more amakhasimende, amabhange banganikeza izimo kukhanga kakhulu, kodwa kufanele sikhumbule njalo ukuthi imali kungaba kokubili eside futhi esifushane. Baletha ukubuya ngaphansana idiphozi. Uma ufuna ukwandisa izimali zabo, ukunakekela okukhethekile kufanele ikhokhwe ukuze inani lenzalo.

Lesi sihloko siphendula zemibuzo eminingi. Manje ngoba sewuyazi ukuthi uyini umehluko okomnikelo idiphozi. Umehluko phakathi imiqondo lawa, kodwa njengoba ubona, amancane. Sinenkosi ukuze kufinyelelwe umgomo ofanayo - kulondolozwe lokonga imali kwabantu imali ikhokhwe, eqinisweni, ngoba ithemba labo ebhange. Kufanele kuqashelwe ukuthi elithi "idiphozi" umkhuba yasebhange ubanzi kakhulu kunenani ethemini "umnikelo". Lolu lwazi lungakusiza nenze izinqumo ezifanele futhi ukugcina imali yabo ne benzuzo bona.