Mitundu ya phindu malonda ndi malangizo a kuchuluka kwake

Phindu - chifukwa cha kampani kapena banki, amene masamu monga yotsala masamu pakati pa ndalama zolowa. Kupeza phindu - cholinga chachikulu cha chilengedwe onse mabanki ndi mabizinesi.

Mitundu zotsatirazi phindu malonda, zimagwirira ntchito cholukanalukana: ukonde, lalikulu, malonda, phindu 'pamaso msonkho' pa ntchito banki, phindu pa ntchito wamba.

Zinthu zazikulu zokhudza kuwonjezeka phindu la ogwira ntchito ndi mndandanda wa mfundo ndipo yogawa ndi phindu la ogwira ntchito kapena ndondomeko ndi kasamalidwe zovuta kwambiri kwa ndondomekoyi. nkhani kulemba kugawana phindu kwambiri pachimake makampani ambiri zinthu zamalonda masiku ano.

Mitundu ya phindu malonda, amaonedwa chizindikiro zofunika zonse za zochitika zawo, osati pa nkhani ya mawerengedwe a mtengo wake mtheradi, komanso kutenga nkhani m'njira ndalama chidatengedwa.

Mitundu yonse ya phindu malonda - kumawakhazika iliyonse moyo banki kapena ogwira ntchito magwero a anthu ake onse, monga oyambitsa ndi antchito, pa maziko a m'munsi awo gwero. Mwachitsanzo, ngati banki magwero ndalama amaonedwa mitundu ya phindu, mabungwe ang'onoang'ono m'munda wa ntchito chabe. Ntchito zonsezi ndi osiyanasiyana ndithu, choncho, mu awo kukhazikitsa, ndipo anapanga zosiyanasiyana mitundu chuma; zake ndi anakopeka.

Mogwirizana ndi kuchuluka nthawi zonse amafuna gwero kukhazikitsa, mapulogalamu onse, ndi kukumana kufunika kasitomala zikuchuluka chuma voliyumu ya m'munsi gwelo la kampani kapena banki ziyenera kuchitidwa chifukwa:

- yogwira ntchito pa kuteteza anakhazikitsa ogula ndi kasitomala m'munsi;

- mapangidwe fano zabwino wa banki odalirika kapena kampani ndi oyambitsa olimba;

- kukopa mabungwe atsopano malamulo;

- chizindikiritso cha mafakitale ndi malonda asapita (utuluke ndalama);

- kudzikundikira mudziwe-tima mabizinezi-mpikisano;

- kukopa madipoziti pa chuma yaitali (onse ruble ndi ndalama zakunja) monga makasitomala lalikulu ndipo sanali makasitomala a banki;

- okhudzidwa kwambiri amakampani ndi mabanki, kudzera kugulitsa masheya (ngongole, zikalata madipoziti) ;

- zonse adamulowetsa pogwirira ntchito limodzi ndi miyala ya anthu;

- kupeza misika yatsopano kufufuza ndalama oonekera.

A chizindikiro zofunika kwambiri zokhudza phindu ndi mlingo wa mphamvu ya kasamalidwe ndalama kubanki kapena ntchito. mlingo wake imapereka digiri wodzilamulira patsogolo likulu ndi phindu la gulu bizinesi.

Nkofunika pamene kusuntha utuluke ndalama kuganizira nthawi ndi mfundo zoopsa. Pali zikugwirizananso zofunika katundu wa ndalama ndi imabwera imfa ya mbali ya ndalama kwenikweni kapena anakonza kugwirizana ndi kukula kwa abwino kusiyana Mezhuyev utuluke ndalama.

Mogwirizana ndi maganizo nthawi, chiopsezo ndi kubwerera tikaonetsetsa magawo otaya ndalama ayenera kuonetsetsa liquidity china. Bukuli lakonzedwa kuti liquidity mwa dongosolo loyenera otaya pa nthawi kuchepetsa ngozi nawo ndipo potero athe kampani kupeza apamwamba mlingo wa ndalama.

Cash otaya amatha kupoletsa phindu la za cuma, kotero ndikofunika kuti utuluke ndalama kuganizira nthawi ndi mfundo zoopsa. Pali zikugwirizananso zofunika katundu wa ndalama ndi imabwera imfa ya mbali ya ndalama kwenikweni kapena anakonza zokhudzana ndi ukulu wa HIV kusiyana Mezhuyev utuluke ndalama.

Mogwirizana ndi maganizo nthawi, chiopsezo ndi kubwerera tikaonetsetsa katundu otaya ndalama, tchulani liquidity china. Chinali cholinga liquidity mwa kupereka dongosolo otaya ndalama nthawi kuchepetsa ngozi nawo pofuna kuthandiza kwa kupindula kwambiri.