Izinsizakalo zokuhlala kanye nezinkokhelo ngebhizinisi lezentengiselwano zezinkampani zomthetho ziyisisekelo sesimiso sezimali sanamuhla. Amacala anjalo, lapho amabhizinisi ebalwa ngokuqondile, asekudlule. Kwezinye izimo ngisho nokujeziswa kwezigebengu kunikezwa ngokuzama ukwenza izenzo ezinjalo.
Ulwazi jikelele
Okokuqala, ake sithole ukuthi yiziphi izinsizakalo zokukhokha kanye nezinkokhelo zezinkampani zomthetho ebhange. Lokhu kuthiwa yiqoqo lezinsizakalo ezihlinzekwa yisikhungo sezezimali futhi okuhloswe ngazo ukuqinisekisa ukuhlala okwesikhashana kwenhlangano ngezikhungo ezihlukahlukene. Inqubo yokuhlinzekwa kwabo ilawulwa uMthetho weBhange kanye Nemisebenzi Yebhange, i-Civil Code ye-Russian Federation kanye nohlaka lokulawula lweBhange Elikhulu leRussian Federation. Ukunakwa okukhethekile kufanele kukhokhwe eMithethweni yokukhokhwa okungakhokhi imali, inqubo yokwenza imali kanye neminye imibhalo yokulawula. Futhi, kudingekile isivumelwano phakathi komklayenti kanye nesikhungo sezimali somsebenzi. Kumele kuqashelwe ukuthi izinsizakalo zokukhokhelwa kwemali kanye nezinkokhelo kubantu ngabanye kanye nezinhlangano ezingokomthetho, hhayi nje kuphela, zingenziwa.
Izinsizakalo eziyisisekelo
Ngemuva kokuthi inkontileka iphelile, inhlangano kufanele ithole isheke. Kuzodingeka ukuthola imali yokukhokhela abasebenzi kanye nezidingo zebhizinisi. Kunezinsiza eziyisisekelo nezengeziwe. Okokuqala kufaka:
- Ukushicilelwa kwezitatimende ze-akhawunti, lapho imininingwane yokuthengiselana izovinjelwa.
- Ukukhokha okungewona ukheshi.
- Ukusebenza ngemali (ngokubaluleka, inkulumo ethi "service cash" ingasetshenziswa).
Izinsizakalo eziyisisekelo ngokuvamile zikhululekile, noma ikhomishane engokomfanekiso ikhokhiswa ukuqaliswa kwazo. Ukuze wenze noma iyiphi yalezi zenzo, kufanele usebenzise ifomu elihlangene. Ibhange lithola imali engenayo ekuhlinzekeni ngezinsizakalo ezengeziwe. Ezinye izikhungo zinezici zazo siqu. Ake sithathe isibonelo sikaSberbank. Isevisi yokuhlala kanye nokheshi kwamabhizinisi angokomthetho kulesi sikhungo sezimali inikeza ithuba lokuvulwa i-akhawunti hhayi kuphela kuma-ruble, kodwa nakweminye yezimali zezimali zangaphandle.
Umthetho wezomthetho
Yimiphi imithetho nemigomo eyenza njengesisekelo sobudlelwane, sesivele sicabange. Kodwa zilawula kuphela ngokujwayelekile futhi ngokujwayelekile. Ngaphandle kohlaka lomthetho, isivumelwano esengeziwe siphethwe phakathi kwenhlangano esemthethweni nebhange. Ayikho imikhawulo ebomini yobunikazi bokungena kulesobudlelwane. Uma zonke izimo ezihlelekile zixazululwa futhi i- akhawunti yokukhokha ivuliwe, ibhizinisi lingakwazi ukulahla izimali zalo ukuqhuba noma yimuphi umsebenzi, ongaphikisani nomthetho. Uma le nqubo iqhutshwa okokuqala, ukunakwa okukhethekile kufanele kuhokhwe ezimweni zokuhlinzeka okulandelayo:
- Ukwamukelwa nokulethwa kwemali.
- Ukuhlinzeka ngokunyakaza okusheshayo nokungaphazanyiswa kwemali.
- Kungenzeka ukuqhuba imisebenzi ngemali.
Kungenzeka, uma ngabe ufisa, ukuxhuma ezinye izinsizakalo, kodwa lokhu kuncike esifisweni nasesidingo sebhizinisi ngokwayo. Uma sikhuluma ngokusebenzisana, ngalezi zindlela, kusetshenziswe izindlela ezimbili, okukhetha ukuthi yini ekulungele kuye:
- Classic. Inikeza ukudluliswa kwama-oda ngokubhaliwe ephepheni noma nge-intermediary of a trustee. Ngezici ezimbi, kufanele kuqashelwe isidingo sokuchitha isikhathi ohambweni lwehhovisi lebhange, ngakho le ndlela isetshenziswa amabhizinisi ambalwa kakhulu.
- Ibhange le-inthanethi. Kulokhu, ukuphathwa kwezimali kwenziwa ngokude. Imiyalo yokukhokha kanye nezicelo zithunyelwa nge-intanethi. Ngenxa yejubane layo, ukuguquguquka kwemvelo nokulula ukusetshenziswa, le ndlela isetshenziswa kabanzi yizinhlangano eziningi.
Ukusebenza kubalwa kanjani?
Lapho ibhange lithola umyalelo ovela enkampanini (akukhathaleki ngandlela-thile, into esemqoka ukuqinisekisa ukuthi idokhumenti ithunyelwe ngumuntu ogunyaziwe), bese uyigcwalisa ngesivumelwane. Ngenxa yalokhu, ukusetshenziswa kwe-BESP kubhekwa njengokubusa kwethembo elihle. Lesi sitfombe sisho ukukhokhelwa okusheshayo kwe-bank. Nge-BESP, ukudluliswa kwemali kuthatha imizuzu. Nakuba umthetho kumele ukhokhelwe ezinsukwini ezintathu zokusebenza. Lokhu kwenziwa uma kwenzeka izenzakalo ezingalindelekile futhi ezingalindelekile ezikhubaza uhlelo. Nakuba ukwenza ikhomishana okunjalo ngokushesha, imali eyengeziwe ingakhokhiswa. Futhi izinguqulo, ngisho nokusetshenziswa kwe-BESP, kuzothatha izinsuku ezintathu zokusebenza zokusebenza. Uma ibhange liqhuba izinhlelo ezinjalo, kubalulekile ukucabanga ukuthi uzoqhubeka yini ukusizwa kule sikhungo sezimali. Ngenhlanhla, kunezincintisana ezifanelekayo. Thatha okungenani izakhiwo ezifana ne-Alfa-Bank, iSberbank, VTB 24. Ukuhlala kanye nezinsizakalo zekheshi ezinhlanganweni zomthetho uma enganelisi iklayenti - ungashintsha isikhungo sezezimali. Khumbula ukuthi singavota ngemikhwama yethu.
Ukuthola
Wonke amabhizinisi ase-RKO esikhungweni esithile sezezimali, ngemuva kokusayina isivumelwano esithile, enza kube lula ukukhokha izimpahla ngaphandle kokushiya ngaphandle. Kodwa-ke, ezimweni ezinjalo akudingeki nje ukuthi unakekele ukutholakala kwazo zonke izinto ezidingekayo, kodwa futhi ukuqhuba izinamba zokulawula ngesikhathi esifanele (okokuqala, lokhu kusho ukuphepha). Ngokufanayo, singasho mayelana nokwamukelwa kokukhokha ngokusebenzisa amakhadi okukhokha kuWebhu Lomhlaba Wonke. Ezimweni ezinjalo, ama-terminals ashintsha amafomu akhethekile okumele umthengi agcwalise.
Ukusebenza kwe-Cash
Ngalesi sizathu, isheke eshiwo ngaphambilini lisetshenzisiwe. Amanani abhalwe ngawo asetshenziselwa ukuxhasa uhlangothi lwezezimali lwebhizinisi, ukukhipha umholo kanye nokukhokha nabanikezeli. Isifaniso esikhethekile se-checkbook sisanda kuba ikhadi lebhange lenkampani. Uma ikhishwa, i-akhawunti ekhethekile ivuliwe, okuyinto inhlangano yezezimali eyenza irejista yazo zonke izinkokhelo, izitatimende zezindaba nezimali zokwenyuka nokulingana kwemali. Ake sicabangele isibonelo se-VTB. Izinsizakalo zokuhlala kanye nezinkokhelo zezinkampani zomthetho ngokwemigomo yemholo yabasebenzi zenziwa ngokudlulisela inani elithile lemali ekhadini lebhange. Kodwa abanye abantu abakhululekile ngale ndlela, ngoba basetshenziselwa ukuba amakhasimende hhayi nge-VTB, kodwa ku-Sberbank. Kulesi simo, i-akhawuntiant ingathunyelwa futhi ebhange, ezokwamukela inani elidingekile lapho ngosizo lwekhokheni. Njengoba ubona, izinguquko ezinhle zikhona, kodwa kuze kube yilapho ukuzenzekela ngokugcwele kwenqubo yokubonga imali, kuvame ukuvimbela izithiyo ezithile. Uma kudingeka uthuthe imali eningi, izikhungo eziningi zezezimali ezinkulu zinikeza inkonzo yeqoqo. Itholakala ngemuva kwe-akhawunti yokukhokha kanye nesivumelwano esengeziwe esihambelanayo esayinwe.
Ukuvula i-akhawunti
Le sevisi ingahlawulwa noma ikhululekile. Konke kuncike kwinqubomgomo yebhange. Kodwa le mali ayinqatshelwe, ngisho namabhizinisi amasha - ngoba injabulo enjalo izokhokha "nje" ama-ruble ayizinkulungwane ezimbalwa. Amakhulu angamakhulu ambalwa kumele akhokhwe ekusebenzeni i-akhawunti yamanje. Izikhungo eziningi zezezimali zikhokhisa imali yokusetshenziswa kuphela kulezo zinyanga lapho kunenani lokuthengiselana okukodwa. Ukwehluka okuthile okuvela kulezi zimiso kungase kube lapho i-akhawunti ye-ruble ivuliwe, kodwa i-akhawunti yemali. Ngaphandle kwamanye amazwe, ngokulandelanayo, amanye amanani walezi zinsizakalo, ezishintsha ngokuya ngokwezizinda zendawo.
Ukuxhumana nenkonzo yentela
Lolu lwazi luzoba usizo kulabo abacabanga kuphela ngokuvula i-akhawunti. Iqiniso liwukuthi ngokuya komthetho weRussian Federation, lapho uvula i-akhawunti yamanje, inhlangano esemthethweni kufanele ibike lokhu enkambeni yentela kungakapheli izinsuku ezingu-5 ngemuva kokubhaliswa kokuqedwa. Uma ungenaso isikhathi ngesikhathi, khona-ke imali ifakwa. Uma ungafuni ukuqonda wonke ama-nuances ngokwakho, ungacela yonke imibuzo ekhethekile kule nkampani. Izindleko ezilinganiselwe zesevisi enjalo zizoba ngamaruble ayizinkulungwane ezingu-2-3.
Isiphetho
Ungatshela okuningi mayelana nendlela uhlelo lokuhlelwa kwemali kanye nezinsizakalo zekheshi luhlelwe ngayo, ukuthinta ama-nuances ahlukahlukene kanye nezici. Ngokuvamile, uma usomabhizinisi noma umphathi okungenani umqondo jikelele we-RKO, kuzomsiza ukuba aqonde kangcono izindaba zenkampani engaphansi, okungabazeki ukuthi kubaluleke kakhulu.