Sebethule: kuyini. Nokufaka imali, eziyigugu nemisebenzi

Isitoreji yemali, imisebenzi yobuciko kanye nezinye izinto eziyigugu kungaba kwenziwe ngezindlela ezihlukahlukene. Omunye wabo - lokhu idiphozi. Kuyini nokuthi ungasebenzisa kanjani? Le nqubo ibizwa zihlelekile, ukuthi ikhishwa ngokuvumelana nezimiso ezithile kanye nokunikezwa saziso kwemibhalo eqinisekisa ukudlulisa esilondolozini izinto ezithile. Indawo, kanye idiphozi izimo zincike yokuthi kuyindaba yesivumelwano phakathi kwezinhlangano, okungaba kokubili abantu ngokomzimba futhi esemthethweni. Cabanga ezahlukeneyo ekhona yale nqubo bese uqale nge ajwayeleke kunawo wonke futhi ezivamile - idiphozi yemali. Kuyini futhi yenziwa kanjani?

imali nokufaka: izinhlobo ukuqaliswa

Lapho izimali zidluliselwa ku- idiphozi yasebhange inhlangano, khuluma ngezinto idiphozi yabo. Lona umqondo ibanzi futhi ihlanganisa ongakhetha eziningana isitoreji:

• funa;
• esiphuthumayo.

Lezi zinqubo ngendlela cishe ezifanayo kokusebenza kwabo, futhi kuphela imibandela eyehlukile nemibandela Ukuhoxiswa imali. Depositor kufanele neqhaza isizumbulu semali ku-akhawunti esikhungweni credit, nokuthi, esikhundleni salokho, ikhipha isitifiketi idiphozi imali ngokubhala. Document ngokuthi izitifiketi zezimali ezitshaliwe. Yena kuqinisekisa ilungelo umuntu (the depositor) ukuthola kuyasifanelekela kufanele zibekwe ebhange. Uma umnikelo ngokufunwa, wena-ke uthole imali emuva nganoma isiphi isikhathi ngokuthi kulethwe idokhumenti. inzalo enqwabelene phakathi nalesi sikhathi elahlekile, ngakho isetshenziselwa le sevisi, uma uhlelo ukuhoxisa izimali esikhathini esizayo esiseduze, noma nini lapho uzidinga.

Ayikho isevisi yasebhange esingaphansi ethandwa kuyinto idiphozi esiphuthumayo. Kusho ukuthini lokhu? Iqiniso lokuthi imali zibekwe ukuba othile zangaphambi bavumelana phakathi kwezinhlangano bhalisiwe e nenkathi yenkontileka. Phakathi nale nkathi, idiphozi isamba sihlobene isithakazelo isigqugquzeli uma kuqhathaniswa namaphesenti angu isidingo idiphozi. Nokho, ukuhoxiswa izimali ngaphambi eside zinikelwa inkontileka izolahleka. Kwamanye amazwe, isikhathi izitifiketi idiphozi kungaba niguquke futhi adayise wabenza, futhi izimali lesikhungo credit ne ukungasathandi. Lo mkhuba ukhona, isibonelo, e-United States.

Sebethule: idiphozi ibhokisi

Ngomqondo ewumngcingo, izimali idiphozi ebhange kusho ukuthi basuke egcinwe ebhokisini idiphozi ukuphepha. Imali alisetshenziswa njengoba amaklayenti ukutshalwa kwezimali, kodwa agcinwe isikhungo credit. Kulokhu siyaliqaphela iyiphi inzalo enqwabelene nesivinini uxhaso akuyona. Kubaluleke ngani ukugcina imali esitokisini, uma ungakwazi wazibeka i-akhawunti yasebhange futhi uthole ngesikhathi esifanayo? Ngokuvamile, umkhuba onjalo isetshenziswa ikhomishana ukuthengiselana ahlukahlukene ukuze siqiniseke ukusebenza kwabo.

indlela eksrou

Le ndlela yokwenza uvame esetshenziswa njengendlela yesondlo ukubulawa kuthengiselana phakathi kwezinhlangano. Njengomthetho, le ndawo amasheya kanye nezinye izibambiso kanye ukuthengwa / ukudayiswa ingcebo. Eksrou ejenti wenza ibhizinisi ezimele, okuyinto nokobana isivumelwano lapho amaqembu deal. Uhlobo ethandwa kakhulu indlela is eksrou ebhange. Lokhu "isipele" isizumbulu semali e-cell yasebhange (ngezinye izikhathi e-akhawunti ekhethekile idiphozi).

Umdayisi bangawathola kwenzeka ukuthi uyahlangabezana ngokugcwele zonke enqunyiwe esivumelwaneni ezinyunyana izimo kuthengiselana. Uma kungukuthi behlangana, lona emalini wabuyela umthengi. Le nqubo ibizwa ngokuthi "yezezimali". Kulokhu, inkontileka yokwenza izinto ikhombisa ngokucacile zonke imininingwane amancanyana kuthengiselana, uhlu adingekayo ukuhlinzekwa kwemibhalo nokunye. Ngemva ngokucophelela ukuhlolwa ejenti eksrou ukufeza yonke imigomo kuthengiselana noma kwenziwe, noma zidabukile.

Into idiphozi ngokuvamile imali, kodwa kungase kube izibambiso, futhi imibhalo, nemali non-cash. Esikhathini umkhuba Russian ongakhetha idiphozi kuyaqabukela asetshenziswa.

izinqolobane Bank nokufaka Coefficient

ngamabhange abagcini nje ngokwamukela idiphozi yemali, kodwa futhi baphinde babanike idiphozi e yasebhange wezwe oyinhloko - Bank of Russia. Zibizwa ngokuthi zigcine okudingekayo futhi asetshenziselwa ukulawula zezimali uhlelo yasebhange. izidingo reserve eyasungulwa Bank of Russia iziqondiso, kuye ngokuthi indlela wena kudingeka kuthinte ubukhulu nokwakheka supply imali kuleli lizwe.

Siqukethe ukheshi kanye yasebhange izinqolobane sabantu. Okokuqala kunama-eziyisisekelo imali supply, kwesibili, ikhono ukwakha imali izinhlelo zamabhange. Indlela lapho wenziwa phakathi izindlela nokusabalalisa imali ezifakwa ubonisa nokufaka Coefficient. Ibonisa izintandokazi sabantu mayelana kukhethwa uhlobo isitoreji imali. Kanjani ukubala izinga idiphozi? Ifomula limelela ratio inani cash kuya ezifakwa emabhange. Ayanda lokhu ratio futhi edingekayo izinqolobane isilinganiso, ephansi amandla abolekise komnotho.

Sebethule imikhiqizo kanye copyright

Lolu hlobo lwe-idiphozi njengoba ukudluliselwa esilondolozini imikhiqizo, esetshenziselwa yezizathu ezihlukahlukene:

• ukufakazela zabhalwa;
• ngoba usuku indalo;
• ukuze kulondolozwe ukubaluleka kwento.

Laba bameleli be-ukuzibonakalisa zokudala babhekana lo mkhuba ukusebenzisa umqondo womunye. Vimbela futhi ahlinzeke ubufakazi obubhalwe wombhali yakhe kungadalwa ngokubhalisela umkhiqizo. Le nqubo ibizwa ngokuthi "idiphozi." Lena inqubo owenziwa kumasevisi ekhethekile, ezifana neCentre for Intellectual Property Ubuchwepheshe eRussia. Irejista langena ulwazi mayelana nombhali, kanye umsebenzi uqobo. Lolu lwazi unganikezwa ngokulungiswa kwenzinye izingxabano-copyright futhi kumangala.

Lapho ukubhalisa umsebenzi umbhali kunikezwa isiqinisekiso esemthethweni amalungelo akhe - isitifiketi idiphozi. It ingatholakala ku lezi zinhlobo ezilandelayo impahla efana imidwebo, izinto eziqoshwe ngamathambo ezindlovu izakhiwo, design, umculo kanye imisebenzi ebhaliwe, izithombe, izinhlelo ze-computer, njalonjalo. Ukuze wenze lokhu, udinga ukunikeza kubo ikhophi, kanye nolwazi esigcwele ku endaweni futhi ngenkathi yokudala, ulwazi mayelana nombhali kanye nesiginesha yakhe.

Izindlela ze-nokufaka umkhiqizo

Sebethule kungaba elula, ovulekile futhi okwenzeka sokubhaliswa Ababhali Russian yoBhuki. Inketho yokuqala lihlotshaniswa nokudluliswa imali yomkhiqizo kwemuntfu lowadalwa. Akazange atadishe, kodwa kuphela phama, uphawu washiya endaweni ephephile isikhathi esithile. Umbhali isitifiketi idiphozi, ngolwazi oluthile mayelana nomkhiqizo. Lokhu kukhetha efanelekayo ezimweni lapho kudingeka:

• kucinisekisa kulondvolotwa into yobuciko;
• uqinisekise kosuku lokubhalisa umsebenzi (ubufakazi bokuthi selidaliwe ngaphambili kuka idluliselwe sebethule).

Lapho ukubhaliswa kwe-copyright futhi zabhalwa umsebenzi eqoshiwe lapho umuntu eba ulwazi bokusungula imikhiqizo impahla kwirejista olulodwa. Lolu hlobo lwe-idiphozi ihlinzeka okuqinile ubufakazi base phezu ukuthola umqondo womunye amalungelo abo ngaphandle kwemibandela njengoba umdali.

Ezinye izinhlobo idiphozi

Ngokuvamile, uyakwazi ukuzwa zinhlobo ezifana ngenhla idiphozi, njengoba imithombo yezimali kanye nemisebenzi yobuciko. Ngokuvamile inikezwe idiphozi kwamatayitela futhi imibhalo. Kuze kube yimanje, bona zidluliselwa ku-Depository amabhange, zomlando, ulwazi kanye inkomba izimali kanye nezinye izinhlangano ezikhethekile.

Kukhona idiphozi komthetho wamazwe omhlaba. Kulokhu sikhuluma izinkontileka esayiniwe evunyiwe phakathi kohulumeni, ezinhlanganweni zamazwe ehlukene, ratifications, Ukuvuma ukuba lesi sivumelwano siyalandelwa, nokunye. N. Bona (umbhalo wazo wangempela) kufanele imali ne depositary ngokusebenzisa inxusa noma ezinye ogunyaziwe. Phakathi idiphozi ithuluzi kumaminithi omhlangano, okwenziwa inhlangano yaphesheya noma uMnyango Depository Wezindaba Zangaphandle, okungukufa depositary.

Sebethule kwezokwelapha

Leli gama livela kwezokwelapha. Kumayelana amakhono esiyingqayizivele ilungu elithile lomzimba wethu. Kanti liyakwazi ukugcina izinto ezithile ukusetshenziswa kwabo okwalandela ngesikhathi esifanele. Lokhu kungaba sebethule igazi, ama-hormone, amafutha. Bona bayakhishwa okwesikhashana izinqubo zokwenana nalo kwegazi uma kukhona imali eyanele futhi ngokweqile ukusebenza emzimbeni. A ukuntula in the zikhathi, ukucindezeleka, ukugula nokunye. Ingabe kusetshenziselwa ukulondoloza ukuphila okuvamile.

Akufanele futhi sebethule - izidakamizwa lokhu ekuqongeleleni ubuthi ahlukahlukene, futhi yokuguga izicubu womuntu eziyishumi nemitshingo. Bangenela umzimba kusuka imvelo futhi kuvimbele ukusebenza kwawo okuvamile.

isiphetho

Sesihlole kanjani idiphozi yilokhu oyikho nalokho izinhlobo izinqubo zenzeka ezindaweni ezihlukahlukene zokuphila. Kungakhathaliseki kwenkululeko ukusetshenziswa eside, ngomqondo ovamile inqubo idiphozi isitoreji imelela okuthile (imali, eziyigugu, imikhiqizo, imibhalo, nokunye.) Ngokusetshenziswa kwakamuva e ngenhloso letsite.