Izindlela zokulawula imali

Iifom kunye neendlela zolawulo lwezemali kubonisa umbutho wokwenza umsebenzi wokuqinisekisa ngamagqeba aphezulu aphezulu kunye neengxowa-mali ngokubhekiselele kwiziqephu zabo.

Ngoko, iindlela zolawulo lwezemali zibonisa iindlela zokuqhelanisa izenzo ezithile zokulawula izakhiwo. Ukwahlulelwa kweendlela eziphambili zeli xesha kuxhomekeke kwixesha lokulawula ngqo, oko kukuthi: ukulawula kwangaphambili, ukulawula kwangoku kunye nokulandelelana.

Ulawulo oluphambili lwenziwa ngaphambi kokuba kwenziwe umcimbi othile wezezimali. Ngokuqhelekileyo kuqhutywe yintlangano yemali ephezulu kunye neentengo zemali xa ziqwalasela izicwangciso ezithile zemali, izibalo kunye nokuqikelela. Oku kungaquka ukuhlaziywa kokufaneleka kokubonelela ngemali mboleko okanye ukudlulisela imali kwi-bhajethi yezo zonke iinqanaba.

Ulawulo olukhoyo (ngamanye amaxesha lufumaneka kwiincwadi phantsi kwegama elithi "ukusebenza") kufuneka lwenziwa ngexesha lokuqhuba imisebenzi ekufumaneni kunye nenkcitho yemali. Ngokusekelwe kwidatha yokubalwa kwemali, ukugcinwa kwempahla okanye ukubonwa kwezinto ezibonakalayo, olu hlobo lolawulo luvimbela ukuthunyelwa kwezono kummandla wezemali, kwaye lilawula ukuvela kweengozi zemali.

Ulawulo oluqhubekayo lwenziwa njengoluqinisekiso olongezelelweyo lobungqina kunye nokusemthethweni kwentsebenziswano ngemali yemali emva kokusebenza kwabo. Olu hlobo lokulawula lwenziwa ngokuhlalutya kwamanani kunye nokunye ukunika ingxelo, kwaye isebenzisa nendlela yokuphicothwa kwaye ihlolisise ngokuthe ngqo kuyo kwimibutho nakumaziko.

Izindlela zokulawulwa kwemali zixhomekeke ezindleleni kunye nezindlela zokuphunyezwa kwayo, phakathi kwazo eziphambili:

- Ukuqwalasela. Ezi ziindlela zokulawulwa kwemali, ngoncedo apho uqeqesho oluqhelekileyo kunye nomsebenzi okwangoku we-shishini luqhutyelwa ukulawula okungakumbi imeko yezimali;

Ukuqinisekiswa. Ezi ndlela zolawulo lwezemali zihambelana ngokuthe ngqo kwimisebenzi yezemali kwaye, ngokuqinisekileyo, kufuneka zenziwe ngendawo, isebenzise ibhalansi, ingxelo kunye namanye amaxwebhu eendleko ukuchonga ukuphulwa okuthile kwiinkonzo zemali, kubonisa iindlela zokuphelisa iziphumo zenzeke;

- Surveys. Ezi iindlela zokufunda iinkalo ezithile zemisebenzi yezemali. Ziza kusekelwe kwiinkalo ezininzi zeenkcukacha kunokuba zihluke ekuqinisekiseni;

Hlalutyo. Kufuneka lwenziwe ngesiseko sokunika ingxelo nawuphi na ixesha kwaye ijoliswe ekuboneni "ubuthathaka" ekuqeqesheni imali;

Ukuhlaziywa. Sinokuthi le ndlela yindlela ephezulu yokulawulwa kwemali, eyenziwa ukuseka ukusemthethweni nokusemthethweni koqeqesho lwemali kwinto ethile. Ukuhlaziywa kungagunyaziswa kwaye kuqhutywe rhoqo. Isiseko sale ndlela kuhlolisisa amaxwebhu aphambili, iinkcazo zemali kunye neengxelo zengxelo, iirejista zemali kunye nokufumaneka kwemali kwirejista yemali.

Uphicotho-mali njengendlela yokulawulwa kwemali kuthetha ukujonga kuphela imisebenzi yemali yeli candelo, kodwa kungekhona iindlela zolawulo okanye intlangano.

Iindlela zolawulo lwezemali zombuso azifani nazo zichazwe ngasentla. Nangona kunjalo, umahluko omkhulu phakathi kwabo yinkonzo karhulumente eyenzela ukuphicothwa, ukuhlolwa, uviwo okanye uhlalutyo.

Ngaloo ndlela, amabhunga karhulumente kwiimali zezemali ukusuka kwisikhundla sesakhiwo sawo afaka igunya lolawulo lwezemali, amagunya olawulo lwezemali, kunye namaziko omanyano ahlobene nokulawula ngamagunya athile okulawula. Le mibutho inikwe imisebenzi ethile ngokuhambelana nomthetho osebenzayo.