Imemorandam yoTyalo-mali yindlela enkulu yokutsala umtyalomali

Imemorandam yotyalo-mali ngumqulu oqulethe yonke idatha malunga nequmrhu elihlanganisiweyo ukuze linikezelwe kumntu onotyala-mali. Indlela yokwakhiwa kwayo ifanelekile kakuhle kwaye ngoko akuyimfuneko ukuphambuka kwimigaqo yayo.

Imemorandam yotyalo-mali iqulethe ulwazi, isakhiwo esenziwa yinto yokutsalwa kwezolimo, iinkqubo zomthetho, izigqibo zenkundla kunye nobulumko bemihla ngemihla. Ulwazi olukulo lufanele luvumele nawuphi na umtyalomali ukuba afake izigqibo ezifunekayo. Ekubeni ubuchule bokuba abatyali-mali banokuhluka ngohlobo olubanzi, imemorandam yincwadi ekhutshelwe ngokwaneleyo evumela ukuba uqondisise kwaye wenze uvavanyo lokutsaliswa kotyalo - mali malunga naluphi na kubo:

• Ukuba sithatha, umzekelo, umtyalomali-mali-bucala, ngoko ke unobuncinane, kodwa ngexesha elifanayo lukhuseleke kakhulu ngumthetho.
• Izinga leziko lemfundo kunye neemfuno ziphezulu kakhulu, ingakumbi ukuba umphathi wesikhwama sokubambisana okanye umhlalaphantsi wenza inxaxheba yakhe.
• Ubuchule benkampani bunokuxhomekeka kubukhulu bayo, kunye nokuba lusebenza kwishishini elifanayo njengoshishino olufuna ukutsala utyalo-mali.
• Iibhanki zorhwebo zingalathisa utyalo-mali ukuba zifumane i-capital capital of the ishishini, ukuba le nxalenye yemisebenzi yabo.
• Iibhanki zorhwebo kunye notyalo-mali ziqwalasela ngokugqithiseleyo ubuchule, kuba intlalontle yabaxhasi babo ixhomekeke kulo.
• Kodwa iimali zengqesho ziyimfuneko kakhulu kwaye ziyakwazi, zinomdla wokuvuleka okukhulu kunye nethuba lokuthatha inxaxheba kuwo onke amanqanaba omsebenzi wefenki, kubandakanywa nokuphathwa kwabasebenzi.
• Kukarhulumente kunye neenkxaso-mali ezixhaswe yi-arhente, into ephambili ifikelele ekufezekiseni iinjongo ezithile, ezikhankanywe ngaphambili zezopolitiko nezentlalo. Kule meko, akukho mbuyiselo kwi-investment - into eyona nto kukuba umphumo oyifunayo uphumelele.

Musa ukudibanisa imemorandam yotyalo kunye nesicwangciso soshishino, kuba isitshixo kunye nenjongo yale maxwebhu zihluke kakhulu. Ukuba imemorandamu yincwadi ejoliswe ekutsaleni umtyalomali, ngoko isicwangciso soshishino sisikhokelo esisebenzayo kubaphathi abaphezulu. Okokuqala, isicwangciso soshishino senziwa, esibonisa isikhokelo sokuqhubela phambili uphuhliso, kwaye ke imemorandam yenziwa ukuba ithande utyalo-mali. Akunakwenzeka ukuba iqumrhu liya kukwazi ukufikelela utyalo-mali ukuba lungekho isicwangciso esihle seshishini.

Nangona kukho akukho mithetho eqinile kwindlela imemorandam yokutsalwa kwemali ekufuneka yenziwe ngayo, umzekelo wesakhiwo esinikezwa phantse yonke imvelaphi kubandakanya izinto ezifunekayo ezilandelayo:

1. Isishwankathelo - umboniso omfutshane withuba lotyalo-mali.
2. Ubume ngokubanzi kwishishini apho iqumrhu likhoyo (jikelele jikelele kumashishini, amathuba, ukusongela, isimo semarike, njl.).
3. Ulwazi malunga nenkampani etyalomali (imbali yenkampani, isakhiwo sayo senhlangano, iimpawu zabanikazi abanini-mhlaba nabanini).
4. Ukuveliswa kunye neempawu zeemveliso. Eli candelo lichaza ngokubanzi zonke izigaba zenkqubo yokuvelisa kunye nobuchwepheshe obusetyenziswayo. Kwakhona kunikwe idatha malunga neendleko zeempahla, iikopi ezikhoyo kunye neempawu zokuthengisa. Amathuba okwandiswa kwemveliso kunye ne-R & D ibonisiwe.
5. Ukuthengisa nokuthengisa. Apha, uhlalutyo lweemarike lwenziwa, umgaqo-nkqubo wokuthengisa usetyenzisiwe, abasebenzisi abanokusetyenziswa kwemveliso eyenziweyo bachongwa. Iintlobo zentengiso zinikezelwa.
6. Ukuqeshwa kwabasebenzi (ukuhlolwa kwinqanaba lobugcisa bobabini kunye nabasebenzi ngokwabo).
7. Ezinye iinkalo zenkampani.
8. Ulwazi lwezeMali (uphando olwenziweyo, amaphepha eencwadi eziphambili, njl).
9. Isicwangciso sezemali (isicwangciso sokuhamba kwemali, isicwangciso sokubuyiswa kweendlela ezityalisiweyo, uqikelelo lwemingcipheko yemali enokwenzeka, njl.).

Ekupheleni, ngokuqhelekileyo kubhala izigqibo eziqhelekileyo, iingcebiso, iingcebiso.

Ngaloo ndlela, njengoko sibona, imemorandam yotyalo-mali iyindlela enhle yokufumana inzala-mali.