Ndalama yochepa

ndalama yochepa zimaikizidwa mabungwe malonda zida zosiyanasiyana ndalama pa nthawi thwelofu mwezi. Mitundu waukulu wa ndalama ngati - Kupeza ngongole yochepa, mgwirizano, zikalata zoikizira ndalama, komanso madipoziti ndi zotuluka pa chaka chimodzi.

ndalama yochepa - njira ntchito tsopano katundu wake zilipo ndalama kutulutsa phindu m'tsogolo, kapena zophweka kuwateteza ku zomvetsa kufufuma. Chifukwa liquidity mkulu, ndalama yochepa akhoza ukugwira njira ya malipiro, choncho kupereka zofunika zofuna ndalama za mudzagwiritse zachuma. Komanso anira ndalama, angathe kuonedwa kuti chuma ndalama, choncho imakhudzanso zomwezo ulamuliro levers.

ndalama yochepa tiyenera kuziganizira pa mbali ya nkhani, imene ntchito za ndalama awa alandira. Patapita chaka - ndi nthawi yochepa kwambiri kuti phindu kwambiri. N'chifukwa chake ndalama kuthi ali makamaka ntchito kugula zipangizo ndi zipangizo (kwambiri madzi malo a muyezo uliwonse). Komabe, palinso mphindi zabwino mu mtundu uwu wa ndalama. Choyamba, kutenga wotsikitsitsa kutaya ndalama, mkhalidwe zachuma chaka kungakhale molondola kwambiri kuwerengera ndi kulosera.

Komabe, masiku ano ovuta, kuwonjezera mfundo zachuma yoyipa kwambiri pa ntchito zachuma za nkhani, ayenera imawunikidwa ndi mavuto a za ndale (mwachitsanzo, kusankha). Komanso kufunika ndithu ndi ndalama dziko.

Ena obwereketsa amakonda kupereka ndalama pa mitengo mokwanira mkulu chidwi kuti kuchepetsa ngozi ndi zomvetsa kugwirizana ndi kupanda alipire cha ngongole.

ndalama yochepa mu zida ndalama monga sheya, amaonedwa kukhala zothandiza ngati magawo anapeza ananena pa msika chuma mosavuta n'kukhala ndalama nthawi iliyonse.

Mu kukhazikitsa ndalama yochepa, malonda ndi anthu nthawi zambiri chabe kupempha thandizo kwa akatswiri kuŵerenga ndalama ndi kusonkhana ndi chiopsezo kuti mwina miyezi ingapo ya ndalama ya ndalama ufulu. Nthawi zina, ngakhale kuwunika amagwiritsa mapulogalamu.

Mu mlandu, mtundu wa ndalama ndi kutchulidwa nkhani yomweyo 58 woyang'anitsitsa marekodi pa nkhani ya mndandanda wa katundu. Malowa angakhale monga magawo kuti anagulidwa kuti apeze phindu m'tsogolo, koma ndi zotuluka pa chaka chimodzi. Mu mndandanda ali anasonyeza ndipo ngati mitundu ya masheya, monga akuluakulu ngongole, boma m'deralo ndi miyezi khumi kukhwima kapena chiphaso oyembekezeka ndalama chaka chimodzi chokha. Pa nkhani imeneyi kuganizira ngongole wosindikiza mabungwe ena kwakanthawi miyezi 12, ndipo madipoziti banki.

Kuwonjezera mtundu mwachindunji nkhani 58 Msungidwe akhoza n'komwe mu nkhani wocheperapo 82, limene, mogwirizana ndi dzina lake "Kupereka ngongole wofooka", amapanga ndalama kugula masheya yochepa m'tsogolo. mlandu phindu anatsimikiza chimodzimodzi kwa nthawi yaitali ndipo umaimira mtengo lenileni la Investor lapansi.

ndalama yochepa pa pepala bwino amaoneka mu mizere 250-253. Mzere 250 ndi "wambirimbiri" ndipo imakhala Uwerenge mizere 251-253, womwenso pa subaccounts ake, akuti:

- mzere 251 akuimira kuchuluka kwa ndalama abwereka, amene chikalata ku mabungwe ena bizinesi kwa zaka Pasanathe chaka;

- 252 ndi kuchuluka kwa magawo yekha kuti munagulidwa kumbuyo kwa ma sheya hoda;

- mzere 253 limasonyeza ndalama zina yochepa (chuma, sheya ndi madipoziti).