Izinsimbi zemali azikho ngaphezu kwanoma yiluphi uhlobo lwenkontileka phakathi kwezinkampani ezimbili, ngenxa yalokho ibhizinisi elilodwa lithola izimali zezimali (ukheshi), enye - isikweletu sezimali noma ukuzibophezela kokulingana. Kubalulekile ukuthi uqaphele ukuthi lolu hlobo lwamathuluzi luhlukaniswe kokubili olubonwe ebhalansi futhi alungaziwa.
Ngaphezu kwalokho, izinsimbi zemali zinikeza imali eyengeziwe, ngamanye amazwi, iyindlela yokutshalwa kwezimali .
Izinhlobo zezinsimbi zemali
- Izinsimbi eziyinhloko noma ukheshi. Kufanele zibandakanye izinkontileka zokuthenga nokudayiswa, ukuqashiswa kwezimali, izakhiwo, ukuqeda izinto zokusetshenziswa, imikhiqizo.
- Okwesibili noma okutholakala. Kulesi simo, into esemqoka yensimbi yezezimali yinto ethile. Bangaba amasheya, izibopho noma ezinye izibambiso, ikusasa, nanoma yimaphi ama-currency, index index, izinsimbi eziyigugu, okusanhlamvu nezinye izinto. Kubalulekile futhi ukuphawula ukuthi intengo yezinsimbi zamasheya ezincike ngokuqondile kuxhomeke emanani entengo engaphansi. Okokugcina yizimpahla zokushintshaniswa kanye nenani laso yisisekelo sokwenza inkontileka yesikhathi esinqunyiwe.
Ama-Instrument Eyisisekelo Ezezimali
Kukhona inamba enkulu yezinsimbi zemali. Ngeke kube yinto engafanele ukuhlukanisa okuyinhloko:
- ukushintshwa kuyinkontileka evumela izinhlangano ukuba zihanjiswe izimpahla kanye nenhloso yalo enkulu ukunciphisa izindleko zamasevisi kuphela, kodwa futhi nezingozi zalezi zinhlangano ezimbili;
- inkontileka phambili yisivumelwano sokuthengwa nokudayiswa kwento, kanti inkontileka isekelwe ngokwezibalo zezimpahla kanye nekhwalithi yabo, kanti inani lempahla likhokhwa ngumthengi ngemuva kokuthola;
- inketho - inkontileka ehilela ukuthengwa noma ukuthengiswa kwefa eliyisisekelo ngenani elibekiwe futhi ngesikhathi esifanele, okukhethwa kukho kungase kube yesikhathi esizayo, amasheya, njll;
- ikusasa lihlobo
phambili inkontileka futhi ivame kakhulu kuzo zonke izinhlobo zokuthengiselana kwamasheya (namuhla ethandwa kakhulu yi-Forex), ulwazi olusha olusha nsuku zonke emaphephandabeni.
Ukuzuza kwezikhali zezimali
Ngosizo lwezinsimbi zemali, ungafinyelela imigomo elandelayo:
- ukugqugquzela ukutshalwa kwezimali;
- ukunciphisa ingozi (ukumboza);
- ukwenza inzuzo yesikhashana.