Malipiro a ndalama kapena osalipira?

Cash ili ndi mbiri yakale kwambiri. Ndalama zoyamba zachuma zowoneka ndalama zinkaoneka zaka zoposa 2,5 zapitazo m'madera a dziko la Turkey masiku ano. Koma ndalamayi inafalikira pafupifupi zaka 450 BC ku Persia, pamene Mfumu Dariyo adalowetsa nawo malonda, omwe ndalamazo zimagwiritsidwa ntchito popangira zikopa, zitsulo zamatabwa, zipolopolo, ng'ombe, ndi zina. Kukonzekera kwa pepala, kumapeto kwa zaka chikwi choyamba AD, ku China (910), kumene anafalitsidwa.

Lero, mawu akuti "ndalama" amatanthauza ndalama ndi mabanki, omwe, malinga ndi malamulo a Russian Federation, amaperekedwa ndi Bank of Russia. Bungwe lalikulu la dzikoli lili ndi ufulu wokhala ndi ndalama zokha, pomwe ndalamazo zimagwiritsidwa ntchito malinga ndi Code Criminal ya Russian Federation.

Cash ndi njira yowerengera makamaka kwa anthu (nzika) omwe sagwira ntchito zamalonda, ndiko kuti, pazochitikazo pamene munthu adzigulira chinachake. Zina zogulitsa ndi ndalama zimatha kulamulira (mwachitsanzo, ngati munthu wagula zotetezedwa kwa ruble zikwi 600,000 ndipo amalipira ndalama).

Gawo lalikulu la zochitika zomwe zimagwiridwa pakati pa mabungwe ogulitsa mabungwe ndi mabungwe (mabungwe alamulo) kapena mabungwe ndi nzika zokhudzana ndi kayendetsedwe ka ntchito zamalonda, ziyenera kuchitika mwachitsulo chosakhala ndalama.

Pa nthawi yomweyo, ndalama ndi ndalama zopanda ndalama zingagwiritsidwe ntchito pokhala pakati pa bungwe lalamulo ndi anthu pawokha. Pachifukwa ichi, ndalama zogulitsa ntchito zimayendetsedwa molingana ndi malemba otsogolera okhudza ndalama, kuphatikizapo malipiro osalipira polipira makadi a banki, mutatha kuwerengera za khadi, wogula amalandira cheke.

Mosiyana ndi ndalama zowonjezera ndalama, malipiro opanda malipiro amachokera kupyolera mu bungwe la ngongole lovomerezeka mwa kupereka malipiro, cheke, ntchito ya kusonkhanitsa kapena kalata ya ngongole.

Malipiro a ndalama ndi osalipira ali ndi ubwino ndi zovuta zawo. Zosowa za ndalama zopanda malipiro zimaphatikizapo mfundo yakuti mabungwe ndi mabungwe ambiri m'dziko lathu sagwira ntchito pokhapokha mizinda yomwe ili ndi makadi a banki . Izi zikutanthauza kuti m'magulu ang'onoang'ono ogulitsa malonda anthu sangagule katundu pogwiritsa ntchito waya. Chiwerengero cha chinyengo chachinyengo chopangidwa ndi malipiro a khadi osalipira sikutsika chaka ndi chaka. Odikirira osakhulupirika mu lesitilanti, mwachitsanzo, akhoza kulemba ndalama zambiri pa khadi kusiyana ndi zomwe ntchitozo zinaperekedwa. ATM nthawi zambiri amakhala ndi owerenga omwe amalola anthu ochita zachiwerewere kuti aziba ndalama pamakhadi.

Kumbali ina, khadilo limakulolani kuti mutenge nambala zambiri zamagetsi ndi inu. Chifukwa cha kutaya kwake komanso kutseka nthawi yake ndi ndalama pa akauntiyi, palibe chomwe chimachitika, mosiyana ndi ndalama zowonongeka kapena zowonongeka - ngakhale Bank of Russia ikuvomereza zowonjezereka, komanso ndalama zowonongeka pofuna kusinthanitsa pazifukwa zina.

Zomwe zimachitika ku Russia zikusonyeza kuti munthu ayenera kukhala ndi ndalama zothandizira ndalama zochepa. Ndipo zopitilira ku mizinda ikuluikulu, zimapangitsa kuti pakhale ndalama. Komabe, kunyamula ndalama zambiri ndi inu sikuli bwino nthawi zonse (ndipo ndikusowa ndalama zambiri), motero, kuphatikizapo ndalama ndi mapepala, ndi bwino kukhala ndi khadi la banki lomwe liri ndi makina ambiri a ATM ndi maofesi komwe mungathe kuchotsa ndalama zomwe mukufuna.