Cash or non-cash iintlawulo?

Cash abe phezu kudala. I iisampuli yokuqala yemali ngohlobo eziinkozo kwabonakala kwiminyaka engaphezu kwe-2500 eyadlulayo kwi kummandla Turkey mihla, kwi okwasungulwa karhulumente. Kodwa unyango zemali abaninzi bafumana malunga 450 BC e wasePersi, xa ukumkani uDariyo Ndakhetha ukutshintshiselana kwempahla, kuquka khumba imali luqhele ukusetyenziswa, nemivalo yesinyithi, amaqokobhe, izilwanyana njalo-njalo. Ngemali Iphepha ludalwe phantse 800 iminyaka emva wayila kwephepha, ekupheleni kwalo BC nkulungwane yokuqala, e-China (iminyaka 910), apho bafumana ejikeleza abaninzi.

Namhlanje, igama elithi "imali" ithetha imali engamaphepha zemali ezi ngokungqinelana nomthetho ekhutshwe yi-Bank of Russia. Yibhanki eyongameleyo eli lizwe unalo ilungelo elikhethekileyo akhuphe imali, imali yomgunyathi into kutshutshiswa phantsi Code Criminal.

Cash - ukubala kuthetha ngokuyintloko ngabanye (abemi) lutho kumsebenzi loosomashishini, oko kukuthi, abo amatyala, xa umntu othenga into ngokwam ... Ezinye iintengiselwano enkulu yemali zixhomekeke ukulawula (umzekelo, ukuba umntu uyithengileyo kuye lokuphepha ezixabisa ngaphezu kwe-600 lamawaka. Engange kunye ihlawulwe cash).

Inxalenye ebalulekileyo imisebenzi eyenziweyo phakathi kwamashishini kunye nemibutho (amaqumrhu asemthethweni) okanye imibutho kunye ngabemi nokusebenzisa imisebenzi zorhwebo kufuneka kwenziwa transfer bank.

Noko ke, kweentlawulo phakathi kwabantu kunye amaqumrhu asemthethweni angenza isicelo imali kunye non-cash imali. Umsebenzi kunye neenkampani imali ezinkozo sele ngokungqinelana nemimiselo elawula imisebenzi yemali, kubandakanywa iintlawulo non-cash kunye amakhadi ebhanki intlawulo, xa, emva kokufunda le nkcukacha kwikhadi umthengi ukhutshwa itshekhi.

Ngokungafaniyo kwemali, ukususwa wenziwa kuphela umbutho ogunyazisiweyo credit ubhaliso ukuze yentlawulo, khangela, okanye umsebenzi wokuqokelela ngetyala.

Imali kunye non-cash iintlawulo kufuneka eziluncedo zabo nezingalunganga. Bobubi neentlawulo non-cash ziquka into yokuba lwezithuba abaninzi kunye namaziko kwilizwe lethu musa inkxaso izibalo elide of amakhadi ebhanki kumntu ngamnye. E. Uninzi kwakunye neevenkile ezincinane abantu abakwazi ukuthenga iimpahla transfer wire. Inani imisebenzi yobuqhophololo kwenzelwa makhadi non-cash, kungekhona esicuthiweyo nyaka nonyaka. Shicilela akathembekanga yokutyela, umzekelo, ungakwazi ukubhala off isixa imephu ngaphezu koko apho iinkonzo ezinikezelwa. ATM badla ubeka abafundi, ukuvumela nabakhohlisi ukuba bebe imali evela ikhadi.

Kwelinye icala, ikhadi likuvumela ukuba ukwenza izibalo emhlabeni enkulu ngohlobo yengxelo elektroniki. Ukuba silahlekile, kunye uvimba kwangethuba imali akukho nto yenzekayo ekugqibeleni, ngokungafaniyo eziinkozo ilahlekile okanye yonakele okanye yamaphepha - nangona Bank of Russia alithabathe ngokutshintshiselana ezigugileyo kunye nemali iphepha nawezonakeleyo phantsi kweemeko ezithile.

inyaniso Russian icebisa ukuba umntu imfuneko kuhlala imali iintlawulo ezincinane. Yaye kude ukusuka kwizixeko ezinkulu, inkulu nemfuneko kukuba ngemali. Noko ke, enxibe isixa esikhulu kunye akusoloko ekhuselekileyo (kwaye oku ukunqongophala omkhulu cash), ngoko ukongeza eziinkozo kunye nemali iphepha kubhetele ukuba ikhadi lebhanki, nto leyo iba womnatha olubanzi-ATM kunye namasebe, apho ungasoloko ukususa imali efunekayo.