Ndalama - ndi chiyani ichi?

Nthawi zina mabizinesi alibe zokwanira chuma chake pa ntchito entrepreneurial, choncho kulankhula ndondomeko ndalama. Yotsirizira ndi mtundu wa chinsinsi bwino ndi kuthekera kwa kukhalabe yomwe malo ano mpikisano malonda.

tanthawuzo

Ndalama - makamaka kukopa anabwereka ndalama, amene ntchito ndi makampani kuti cholinga cha kotunga mosadodometsedwa za ntchito yawo mogwirizana ndi malangizo chachikulu.

Choncho, ogwira ntchito ndi, kutsogolera ntchito sanali phindu, ndiwo ndalama adzachita monga ogula kapena boma. Pa ndalama anabwereka bungwe tingakhalebe ndalama zawo mu nkhani iyi ndi kindergartens nyumba anatseka-mtundu kwa zibonga okalamba kapena chikhalidwe ndi dera.

Boma, nayenso, gwero la ndalama ndi ngongole msonkho wa amakhoma misonkho. Pa ndalama zimene zimapezeka mabungwe omwe si a phindu monga zipatala ndi sukulu. Dziwani kuti mfundo za ndalama kwa dziko wolingana ndendende ndi chuma makonzedwe.

Makampani malonda ndalama - chimakopa ndalama za mabungwe ambulera. Pankhani ya ntchito inshuwalansi a ndalama yaikulu ndalama ndi ndalama za inshuwalansi.

njira zoyambirira

Ngati ndondomeko ndalama ndi kusanja malinga ndi njira accrual, izo zikhoza kugawidwa m'magulu awa:

• njira Oyembekezera;
• njira imawunikidwa.

Choncho, oyembekezera mbali thumba ngongole Mwachangu mu chiphunzitso akhakula ndilochokera kuchuluka imawunikidwa ndalama kwa nthawi yotsiriza. M'mawu ena, penshoni ndi kupereka malinga ndi kuchuluka kwa malipiro kwa zaka zingapo zapitazi ntchito ndi mitengo gawo mu mabanki zimadalira kuchuluka kwa ndalama anamuukitsa kwa nthawi imeneyi malipoti (kumene, izi si muyezo yekha kudziwa index izi).

Ngati ife kuganizira njira imawunikidwa, ndi ndalama - ndi kuchuluka kwa ndalama abwereka, amene akutchedwa mu ogwira ntchito. M'mawu ena, malinga ndi njira imeneyi, inshuwalansi kampani malipiro thumba kudzadalira angapo mphatso tapangidwa policyholder kwa nthawi lonse la kumalo a ntchito. Pa nkhani ya ndalama pagulu kuchuluka kwa ndalama chikhalidwe kudzadalira kuchuluka kwa misonkho linaperekedwa kwa thumba.

Kodi mlingo ndalama

Mlingo wa ndalama - mtengo okwana ngongole, amene masamu ndi chilinganizo yovuta, koma tiyeni tiyese wosalira lingaliro ili ndi kufotokoza zinenero zonse zilipo.

Kuchuluka ukonde wa ndalama si ofunika ukonde wa ndalama abwereka, kotero mlingo ndalama kuchita masamu malinga ndi kulemera kwa zizindikiro:

• atengedwa kuganizira zizindikiro otchuka msika;
• Mogwirizana profitability la kumalo a ntchito;
• zolemeletsedwa chiŵerengero Mapepala kuganizira ndalama;
• amakopeka ndi kuwerengera katswiri wa chuma cha changu.

Pankhaniyi, mlingo wa ndalama sakhala kuchotsa nthawi panopa, ndipo panopa nthawi mtengo wa ngongole amusankha pa kuchenjera kwa kampani, kukhala kamodzi tsiku, sabata kapena chaka.

Pambuyo kudziŵa chiwerengero cha ndalama analandira chizindikiro n'komwe mu kudziŵa solvency wa kampani, amene akuchita ntchito yake, pobwereka ndalama.

Kuona ubwino

Mtengo wa ndalama - zingati pa zomwe kukopa ndalama anabwereka ku likulu la kampaniyo, motero sizikusokonezani maganizo "mlingo wa ndalama" ndi "mtengo."

Kumene, zingakhale zomveka kuti asankhe mlingo - ichi ndi zochita za kuchuluka kwa ndalama anakweza Komabe, monga tafotokozazi, mawu amenewa ndi olakwika, chifukwa mtengo wa mwachindunji mtengo kutengerapo, amene amasankha pansi kuchuluka zimene a kampani angakwanitse kukopa ndalama yobwereka.

chizindikiro ichi ndi amadalira zifukwa zambiri ndi kuchita masamu ndi chilinganizo yovuta, koma Mwachidule tinganene kuti kudziwa mtengo wa ndalama index amaganizira alipo pakadali kuchuluka kwa ndalama abwereka, kufunika msika, okwanira ndi zizindikiro malonda akhalire.

Nthawi zambiri mitengo chidwi pa ngongole ndi madipoziti kubanki malinga ndi kulemera kwa zizindikiro ndi mipherezero osati mmene mpikisano ambiri kupereka, ndi angati a ife tikuganizira.

Concept koyefishienti ndalama

Ndalama koyefishienti - muyeso, amene anafotokozedwa chifukwa cha kuwerengetsa chiŵerengero pakati pa katundu ndi ngongole ya mabizinezi mu ndalama dziko. Choncho, kampani amatha kudziwa kuchuluka kwa chiopsezo pakati malonda ake a tsiku nyengo malipoti.

Zikatero, ngati katundu wa upambana mu ngongole zawo quantified, ndi koyefishienti ali wamkulu kuposa wina, Ndizachidziwikire kuti kuopsa kwa ogwira ntchito pa nthawi ndi zazing'ono, ndi chamoyo wake si pangozi. M'mawu ena, ntchito ya kampani ndi khola ndipo amatha kupanga yodalirika.

Ngati ngongole zilamulire chuma ake okwana poyerekezera, yankho kuti ntchito yaikulu ya kuopsa kwa ogwira ndinu wamkulu mokwanira, ndipo profitability uli mu ngozi. Choncho tingathe anaganiza mitengo otsika chidwi kukopa likulu ngongoleyo kulephera banki kapena inshuwalansi kampani kulipira.

Bank ndalama

Ndalama za mabanki - chimakopa likulu ngongole ntchito opaleshoni m'tsogolo.

Ambiri tinganene kuti mwamtheradi aliyense banki makhalidwe ndalama ndondomeko, mwinamwake ntchito yake adzakhala sizingatheke. Banki, monga ulamuliro, osakwanira kuchuluka kwa likulu chilungamo kwa akubwereketsa mokwanira, makamaka ngati tikulankhula za mabungwe alamulo. Choncho, chifukwa zinthu bwinobwino kukopa madipoziti.

Aliyense wa inu N'kutheka kuti mwaona kuti banki ndi ndalama ngongole zambiri amadalira gawo, kapena mosinthanitsa. Choncho, ngati mlingo pa ngongole ukukula, ndi mlingo gawo la kubwerera sangathe kuchepetsedwa - ndi mfundo yoyamba ya ndalama.

A nambala yaikulu makampani angathe ndalamazo zawo popanda kukopa njira ndalama, koma osati mabanki. Banki ntchito nthawi zonse amakhala ngongole.

zida ndalama

Osati nthawi zonse ndondomeko ya ndalama ali ndi gawo chuma, ndi ofesi bungwe, akuti alinso zambiri zimakhudza kwambiri ndi tanthauzo. Filimuyi mchitidwe kuganiza kuti ndalama - otchedwa zikalata archiving nthawi poyerekeza kumalo a ntchito.

Ndondomeko kubwerera angathe kuchitidwa ndi periodicity ena - kamodzi pachaka, kotala kapena mwezi (malingana ndi kuchuluka kwa mfundo alipo). zida ndalama zambiri ikuchitika pa akaundula a. Zimakhala:

• signatories;
• Sender dzina;
• okhutira.

Ambiri, palibe malamulo omveka bwino malamulo okhudza ndondomeko ndalama malinga ndi akaundula, kotero kalaliki akhoza kusankha yoyenera kwambiri ndi mulingo woyenera kwambiri njira archiving.

anapezazo

Pomaliza, tikuona kuti ndalama ndi ndondomeko zofunika ntchito entrepreneurial amakampani ambiri, mwinamwake tingachite kuti ntchito ngongole kubanki, ngati panalibe madipoziti? Kutanthauza kampani inshuwalansi anayenera ndalama, ngati panalibe premiums inshuwalansi? ntchito A chikhalidwe kuzibweza phindu ngati si kwa dongosolo msonkho mu dziko.