Imali - ntoni na? Ukutyala imali kwishishini okanye impahla. nohlobo lotyalo

Investment - yinkqubo yotyalomali eyinkunzi (capital) ukuze afumane inzuzo ngohlobo yenzuzo. ukuba utyalo-mali ikhuselekile? Yinto Kukhuselekile bathi nzima ukuthelekisa nabo ngetyala.

Thelekisa ne yokubolekisa

Ngokungafaniyo mali lokubolekisa kukuba kwimeko yokugqibela, siyazi ukuba imali iza kubuyela kusinika ipesenti ethile ngendlela ngexesha, kodwa njengento mali asinakho, uthi. Into yokuba lo msebenzi oluyingozi, ingeniso ixhomekeke impumelelo yeprojekthi, kwimeko lozaliso ongaphumelelanga ilahleko ngokupheleleyo okanye olungaphelelanga eyinkunzi imali.

Imali - ntoni na?

Makhe sicinge enengqondo, yintoni ofanele uyenze ukuze bafumane imali. Abaninzi le njongo bafumane umsebenzi apho aze achithe ixesha kunye nomgudu, efumana umvuzo. Kwimeko enjalo, indlela yokwenza ukuze ukuze ngakumbi? Ngoko kusengqiqweni ukuba le njongo kuya kufuneka asebenze nzima (ngokomgangatho okanye nangokobungakanani). Ngenxa yoko, ixesha elininzi emsebenzini, kunye namandla oluntu usoloko umda. Ukuba usoloko ukusebenza nzima, apho kuya kubakho ixesha lokuphumla, kunye nokuphucula imeko yazo yemali liya kuyeka ukuba intsingiselo. Kule meko, kuza phezu zoncedo-mali. Yiyiphi indlela enkulu ukufumana ukusebenza imali, kwaye awunakho ukwenza ngolunye uhlobo, akukho nje akukho kwamathandabuzo. Inyaniso ukuba wathi, ukonqena - injini inkqubela. Wena Awudingi omninzi umsebenzi onzima. Ngelixa wenza imisebenzi yekhaya lakho, belahlekisa umthetho physics othi umzimba lingabi kwiindawo ezimbini ngaxeshanye, kodwa ungenza, nangona kunjalo, yazi ukuba asinguwe, yaye "namasekela" - capital imali. Little kuqondwe elithi "utyalo-mali." Yintoni na loo nto, ngoku siyazi, ngoko ungasihlawula thina ingqalelo ingongoma eyintloko, oko kukuthi, - apho, enyanisweni, ukuba imali.

nohlobo lotyalo

Lisebenzise imali ukuze into. Kwihlabathi ezininzi iinketho apho abantu nokutyala imali. Ngoku ethandwayo imali, bonds, izabelo, utyalo kotaka izindlu. Oku kuphela inxalenye encinane apho imali. Kwaye ukuba ulungile ngeendlela ezithile ezilungileyo, ngoko kukho olukhulu inokuba mali ishishini. Ayikho malunga apho utyalo-mali, lo gama nje kwaba nenzuzo. Imali kufuneka asebenze kuwe.

izabelo

Action - uhlobo izibambiso esiqinisekisa ilungelo isabelo umnini wayo (zabelo) kwi ubunini yenkampani kwaye abaphathi kunye nokwamkelwa of nezahlulo (ingeniso).

bond

Bond idlulisela ityala yenkampani ukuba umnini wephepha. Umnini iibhondi, ngokuchaseneyo abahluleli akayilawuli inkampani kwaye abanalo ilungelo lokufumana izahlulo nenzuzo yayo. Abanikazi izibambiso baya kuhlawulwa imali inzala, yaye ekupheleni zonyango yakhe okanye ukuqola inikwa ixabiso eliyimali.

kuthelekiswa engozini

Stocks ukuba utyalo-mali yingozi ngaphezu ndisezintanjeni ngenxa yokuba izahlulo baxhomekeke kuphela kuphuhliso ngempumelelo kule nkampani. Bonds likwabonelele amashishini asethi kunye nempahla.

imali yotyalo

Ukuqonda lula zesifundo iya kunika imali eluhlobo lengxowa ngemali, leyo igcwaliswe amaqumrhu asemthethweni okanye ngabanye. Utyalo-Capital zitshintshelwa kulawulo intembeko ibhanki elawula inkqubo imali ndisezintanjeni okanye ezitokisini. Ngokwabo njengoko abatyali abakwazi imali ngqo ngenxa yobunzima bomsebenzi kunye neendleko eziphezulu ukuthenga nokuthengisa inkqubo. Kubalulekile ukuqaphela ukuba le iidipozithi ezininzi ixesha elide, nangona ukuba Umtyalimali usenako ukurhoxisa imali nangaliphi na ixesha. Iingeniso ngokuqhelekileyo uya kufumana ngaphambi ngaphezu kweminyaka emi-2, yaye asifanele silibale ukuba oku kunjalo kuyingozi, yaye ekugqibeleni angakwazi wenze belahlekelwa imali.

Ngaba kubanceda na ukutyala imali kwishishini?

Ukuze siphendule lo mbuzo, kufuneka siqonde ukuba ukuzalisa imali kwishishini, ufumana ipesenti ethile inzuzo yalo. Kananjalo kubalulekile ukuba siqaphele ukuba uyakwazi imali yakho okanye ishishini kwamanye amazwe. Ngoko ke, nokuba akukho ngezimvo ukuqala ishishini, unako imali yomnye umntu. Imali kutyalwa sele kwishishini, nokutyala kwiiprojekthi zoshishino. Oku njalo kuxokwa-start-ups. Iimali lityale kwiiprojekthi ezinjalo - ukuba utyalo mali. Yintoni na? Ngoko wabiza imali imali iiprojekthi eyingozi, abatsha, ngokuqhelekileyo iibhanki ukwala ukusebenza kunye nabo, kuba mali babucala abandakanyekileyo. Ngokuqhelekileyo, inkqubo luphawulwa investment zexesha elide kule nkampani. Ukufunyanwa ingeniso nazo azifani. Ezinye zimali ufumana kuphela ingeniso isixando (inzala ukususela inzuzo), abanye - esebenzayo (alawulwa ngqo liSebe eli ishishini). Musa ukuxhala ukuba awunayo imali ngokupheleleyo ukuba igalelo kwishishini, kuba awukwazi ukunika-100%, kwaye umzekelo, 20-30%, kwaye ukuba bajoyine ezinye abatyali (equity). Ngokubanzi, 100% yotyalo-mali kwishishini - ishishini kuyingozi kakhulu, kuba ikhuseleke kakhulu ukwabelana. utyalo-Business abe zombini eziliqela ezilungileyo nezingalunganga.

buhle

1. iintlobo ezininzi neentlobo zamashishini apho nokutyala imali.
2. Kukho iiprojekthi musa kufuna imali eninzi, kwakunye nokuthatha inxaxheba ngokulinganayo.
3. Iyaqondakala kwaye lufikelele phantse wonke.
4. Le tangibility asethi eziphathekayo mali ubuyivalele.
5. Unako ukuthatha inxaxheba buqu kwishishini lokwakha, ukuze wazi kanye mali zichithwa phi, kanjani. Ithuba lolawulo-mali.
6. imbuyekezo Unlimited.

ukushiyeka

1. ubungozi zokulahleka capital ukuba ishishini "itshiswe".
2. Uhlale ukubukela ukuba ngaba baphule umthetho.
3. Kusenokubakho ngasonye namaqabane (kwishishini lokwakha ekwabelwana).
4. Kuyimfuneko ukuba ukuqonda nkcukacha zeli tyala, imali kuyo.
5. Xa utyalo a siqalo, mhlawumbi, aziyi kukunceda ngoko nangoko. Oko kukuthi, olu hlobo lotyalo-mali ekunokuthiwa ixesha elide.

umhlaba nezakhiwo zawo

mhlawumbi Le yenye yezi ntlobo ikhuselekileyo lokuzalisa imali. Impahla ze owayo ixabiso, nayo iba kuyabiza kuphela ngonyaka ngamnye. Investments izindlu ukuba kunzima kakhulu, nto leyo ukuba kufuneka kwangoko i-capital omhle ukuqala-up. Kodwa ngoku unako ukufumana enye indlela ngaphandle kwale meko, umzekelo, ukuthatha ngaphandle-mboleko okanye imali-mboleko ngenxa ulwakhiwo, kwaye emva kokuba indlu iya kwakhelwa, ixabiso layo lokongeza ixabiso. Kwakhona kuluncedo lo iigaraji ulwakhiwo kunye zokuthengiswa. Musa ukulibala ukuba bakuthathele ingqalelo nkcukacha zemakethi na kwingingqi yakho. Unako kwakhona wazikrazula zombini izindlu kunye iigaraji. Kulo mzekelo, kufuneka uthathe ingqalelo indawo into, kwaye ukusukela koku ingeniso kuya kuxhomekeka. Ukuba ugqiba ukutyala imali kolu hlobo lotyalo-mali, ngoko ukufunda ngenyameko lo mthetho, oko kuya kunceda xa kusenziwa isigqibo malunga inzuzo kule projekthi. Investments izindlu - ngezona ndlela mali zotyalo-mali.

Siyathemba ukuba inqaku kuye kwanceda kancinci ukuqonda nobuntsompothi utyalo-mali, kwaye okona kubaluleke kakhulu, wakwenza kwacaca ukuba ibe yindlela ukufumana ezongezelelweyo, kwaye maxa wambi nkqu yomvuzo. Enoba yintoni uhlobo lotyalo-mali bazikhethele, okona kubaluleke kakhulu, ukufunda ukwenza umsebenzi imali kuwe, awunakho ukwenza ngolunye uhlobo. utyalo-mali ngempumelelo, ethembekileyo kunye nenzuzo.