Imali extra-mali: ngemfuneko kunye nokwenzeka

imali Extra-mali yenye yeendlela ukusebenzisa utyalo-mali kazwelonke kunye nokusombulula ingxaki kwezoqoqosho ngokuvela kunye nokuphuhliswa kwemveliso, silwe iingxaki, kozinzo kunye nexesha kungekho kukhula. Zidlala indima ebalulekileyo kuqoqosho kunye ngoku kwezentlalo kunye neemali zomhlala, imali lezeMpilo kunye nabanye.

Uqoqosho lwesizwe yenye lweentlobo eziphambili kwimveliso. amashishini zalo ezisisiseko phantsi uqoqosho lentengiso kufuna langoku kunye nokwandiswa asethi zemveliso esisigxina, ukutshintshwa ezigugileyo kunye noomatshini eziphelelwe lixesha. kushishino Ukukhanya ufuna imvuselelo yezolimo - kuphuhliso kunye nenkxaso eqhubekayo. Kwaye yiloo nto zonke iingxaki ezijongene uqoqosho karhulumente. Ngenxa yeengxaki zemali ukukhula kwamaxabiso, intsilelo mali, kunye namatyala zangaphandle angaphakathi lizwe. Ngenxa yezi zizathu, abantu, ingakumbi abantu abasemngciphekweni, usengozini yokuba ukuhla kwemigangatho zokuphila. Konke oku kuphakamisa le imfuneko yokuba inkxaso-mali kunye yoxinaniso kwemali kumgangatho karhulumente kulo.

imali Extra-mali - isisombululo olunesiphumo ezahlukeneyo izinto, ukusasazwa parallel wezeMali, ukongeza karhulumente wengingqi mali indawo. Ukusetyenziswa kwemali ezinjalo luboniswa imfuneko sabe mali ngokwemigaqo iintsilelo zabo kunye nengxaki ye imeko yezemali kuqoqosho. Ukuze wenze oku, kubalulekile ukwenza uhlalutyo oluneenkcukacha ukuchonga iindawo ezininzi iingxaki yosetyenziso ekucetywa uwabe izibonelelo zemali.

Dynamics yeenguqu kuqoqosho kufuna echubekileyo kulawulo zokusebenza kwezigqibo malunga inxalenye nokunikezelwa kwemali. Mu kuya kwa nshita mali mali, ukusetyenziswa leyo ilawulwa yi-mthetho (ipalamente), inkcitho-mali mali phantsi kolawulo ngoorhulumente bakazwelonke, wesizwe okanye wengingqi olwenza ngokukhawuleza nangokufanelekileyo ngakumbi kulwabiwo-mali, kunye nokwandisa isantya mpendulo imeko yezoqoqosho kweli lizwe, ingakumbi ngokoMthetho intsilelo mali.

imali Extra-mali yenzelwe nje ukuba yimbumba mali oluvela kumashishini kunye namaziko. Kwakhona, le mibutho yenza kube lula ukufumana imithombo eyongezelelweyo kwemali ukwenzela ukuba agubungele kwakuwo yenkcitho phezu icala ingeniso. Imithombo-mali off-lwabiwo mali angaba ezisisigxina nezexeshana, ukuba eyahlukileyo kwezinye izindawo kwabanye kunye zokufumana isikali kunye nohlobo ukuphunyezwa imisebenzi ngexesha lentlekele.

Ukuhlelwa mali non-mali. Namhlanje, umntu unako ukufumana iinketho ezininzi zemibutho ukuhanjiswa data, kuxhomekeka parameters ingqalelo. Ngoko ke, ngokutsho mali eyenzelwe injongo zahlulwe mali off-mali kwezoqoqosho nezentlalo. inqanaba Management - kwimali karhulumente yengingqi.

Ngaphandle koncedo ezi mali, unga:

1) ube nefuthe kwinkqubo yemveliso ngemali, liboleke abanye mali kumashishini;

2) negalelo ekuphuculeni imiqathango yokhuseleko lokusingqongileyo ngenxa yokuba imithombo ezikhethekileyo kunye nezohlwayo ukusuka ungcoliseko lokusingqongileyo;

3) ukugcina umgangatho wokuphila yenani labemi intlawulo ipension, izibonelelo, izibonelelo, njalo-njalo;

4) ukubonelela mboleko zombini zasekhaya angaphandle ukuya kumazwe angaphandle.

Phakathi sikhokelo yomthetho kwemali non-mali ayichatshazelwa karhulumente kunye namasiko imisebenzi irhafu. Inxalenye yokuqala yeengeniso apho ingabhekiswa umsebenzi constitutive, abanye - mali ngokhuselo.

Xa inani data ehlabathini manani kwemali kumazwe onyukele kumaqondo Koloni ukususela-30 ukuya kuma-80.