Kodi katswiri wa zachuma amachita chiyani?

Ndani amene sanalotapo kuwerenga mu crystal mpira kuyembekezera mmene msika wamakampani ndi kupanga ndalama zopindulitsa? Ngati palibe mpira woterowo, ntchito ya katswiri wa zachuma ndi yofanana kwambiri mu ntchito yake. Wofufuza weniweni wazachuma, wowunika ma x-ray adalemba makampani kuti awone zomwe angathe kuchita pasadakhale. Mthunzi ntchito zofunika misika zachuma.

Komabe, ntchito imeneyi siidziwikabe kwa anthu wamba. Ntchito zake zenizeni, monga luso lake lofunikira, zimakhalabe zachinsinsi.

• Kodi kwenikweni chimatanthauza chiyani moyo wa tsiku ndi tsiku wa katswiri wa zachuma?
• Ndi ntchito zamtundu wanji ndi makasitomala zomwe zowunikira zake zimapangidwira?
• Ndipo mukukhala bwanji katswiri wamsika?

Madera ambiri otuwa omwe tifotokoza m'nkhaniyi kuti timvetsetse bwino ntchito yosangalatsayi. Limbikitsani, tikupita kukapeza katswiri wazachuma!

✔ Udindo ndi maudindo kusanthula ndalama

Openda zachuma amagwira ntchito yofunika kwambiri pazochitika za tsiku ndi tsiku za bungwe. Ali ndi a mkulu, Amafufuza ndikugwiritsa ntchito deta yazachuma kuti amvetsetse bizinesi ndi msika kuti awone momwe bungwe limasungidwira.

Kutengera momwe chuma chikuyendera komanso zambiri zamkati, amalimbikitsa zochita za kampaniyo, monga kugulitsa katundu kapena kupanga ndalama zina.

Inde, izi zikungoyang'ana pamwamba pa ntchito za katswiri wa zachuma. Nazi zina mwazofunikira zomwe akatswiriwa angachite kubizinesi:

Sungani ndi kukonza zambiri

Kaya ndi malipoti azachuma a kampani komanso mbiri yakale yowerengera ndalama, katswiri ayenera kudziwa momwe angapezere, kusonkhanitsa ndi kukonza zambiri zokhudzana ndi bizinesi yawo.

Onaninso ndondomeko zachuma

Zolemba zachuma za kampani zimakhala ndi zambiri zofunika kwa katswiri wa zachuma. Pogwiritsa ntchito zolembazi, amatha kudziwa mtengo wa bungwe.

Uwu ndi umodzi mwamaudindo ofunikira kwambiri a akatswiri azachuma, chifukwa chidziwitsochi chimatsogolera malingaliro awo ndipo chimakhala ngati chizindikiro cha momwe kampani ikuyendera.

Limbikitsani ndalama

Pambuyo pofufuza zonse izi, akatswiri azachuma amaneneratu za msika ndi ntchito zamtsogolo.

Apa ndi pamene ayenera kugwiritsa ntchito chidziwitso chawo chakunja pamodzi ndi kuwerengera ndalama kuti apereke malingaliro kwa akuluakulu a kampani. Katswiri wazachuma apanga mbiri yodzaza ndi malipoti ochirikiza malingaliro awo.

Monga mukuonera, katswiri wa zachuma ayenera kukhala wokonzeka kutenga maudindo ambiri. Ayenera kuchita kafukufuku wazachuma, kulumikizana ndi magulu oyang'anira ndi akuluakulu akampani, ndikupanga malipoti olembedwa ndi mafotokozedwe.

Udindo wake ndi wosiyana ndi wa akauntanti yemwe akukhudzidwa ndalama zamalonda kuchokera ku kawonedwe ka ntchito, m'malo mochokera ku njira yonse ya katswiri wa zachuma.

Akatswiri azachuma amagwira ntchito m'mafakitale angapo, kuphatikiza zotetezedwa, katundu, makontrakitala, mabanki oyika ndalama, ndi ntchito zina zachuma.

Ndipo ngakhale maudindo onse a gawoli afotokozedwa pamwambapa, katswiri wazachuma angasankhe ukatswiri potengera luso lawo.

Kusamalira ndalama

Ofufuzawa amagwira ntchito ndi hedge funds kapena mutual funds kusintha. Amathandizira magulu oyang'anira ndikuwunika mphamvu zawo kuti athandizire kupanga zisankho zamabizinesi mogwirizana ndi zomwe zikuchitika pamsika.

Portfolio Management

Bungwe lirilonse likufuna mbiri yamphamvu. Izi zimafuna kulinganiza koyenera kwa zinthu, mautumiki, mafakitale ndi zigawo zadziko lapansi kuti agwiritse ntchito, motero zimathandizira kuti bizinesi yawo ikhale yayitali komanso kupambana.

Akatswiri azachuma amagwiritsa ntchito ukatswiri wawo kusanthula deta yamsika ndi malonda kuti alimbikitse njira yabwino yopangira ndalama ndikuyesa zotsatira.

Kusanthula mavoti

Kusanthula kwa niche uku kumafuna kuwongolera makampani kapena mabungwe aboma kudzera munjira zabwino kwambiri zochitira kubweza ngongole, ngati zomangira. Ofufuzawa akukhudzidwa kwambiri pomvetsetsa ngongole za kampani komanso kuopsa kwake ngati sinathe kuzibweza. Nazi momwe mungachotsere ngongole yanu mwachangu kwambiri.

Kusanthula zoopsa

Monga momwe mutuwu ukusonyezera, katswiri wofufuza za zachuma amawunika momwe kampani ikugwiritsira ntchito ndalama kuti apeze magwero omwe angawonongeke. Komabe, mosiyana ndi ntchito yapitayi, akatswiriwa akufuna kuchepetsa chiopsezo cha ndalama zachuma ndikuwonjezera phindu.

Monga momwe zilili ndi udindo uliwonse, ntchito za tsiku ndi tsiku za katswiri wa zachuma zimadaliranso luso lawo. Mwachitsanzo, Katswiri wa zamaphunziro olowera atha kukhala ganyu watsopano wokhala ndi digiri ya bachelor muzachuma kapena zachuma komanso luso lamakampani.

Katswiri wamkulu amagwira ntchito ngati gulu lalikulu ndipo amagwira ntchito zoyang'anira. Imafunikira, komabe, imafuna kusamala kwambiri mwatsatanetsatane, chifukwa atha kukhala ndi udindo wowunika malipoti, kulowetsa deta, ndikusanthula mozama msika.

Katswiri wamkulu wa zachuma, pakali pano, amatenga gawo lolimbikira pomanga chitsanzo chandalama, kulosera zomwe zikuchitika komanso kupanga malingaliro amalonda.

Izi ndichifukwa choti atha kukhala ndi digiri yaukadaulo yokhala ndi maphunziro azachuma komanso zaka zambiri zamakampani kapena ndi kampani yomwe. Nthawi zambiri amatsogolera gulu la akatswiri ndikuwongolera kayendetsedwe ka ntchito kuti awonetsetse kuti malipoti ndi malingaliro ali okonzeka atsogoleri abizinesi akafuna.

✔ Malo ogwirira ntchito ndi malipiro wa katswiri wazachuma

Pa ntchito yanu yaukatswiri, kupeza malo ogwirira ntchito omwe amagwirizana ndi zomwe mukuyembekezera ndikofunikira monga kupeza ntchito yomwe ikugwirizana ndi luso lanu ndi zomwe mumakonda.

Monga tanenera kale, ubwino umodzi wokhala katswiri wa zachuma ndi wakuti ukadaulo wanu umafunidwa ndi mafakitale ndi mabwana osiyanasiyana. Kwa mbali zambiri, komabe, mutha kuyembekezera kugwira ntchito muofesi.

Ena mwamafakitale odziwika bwino omwe akatswiri azachuma amagwira ntchito ndi awa:

Mabanki

Mabanki am'deralo ndi mabungwe akuluakulu azachuma amadziwa kuti pali chiwopsezo pamakampani awo. Ichi ndichifukwa chake ali olemba ntchito akuluakulu a akatswiri azachuma.

Amagwiritsa ntchito ukatswiri wawo ndi luso lawo kuthandizira kuwunika kuopsa kwa ngongole, pakati pa ntchito zina. Kuphatikiza apo, amathandizira mabanki kuzindikira mwayi watsopano wopezera ndalama.

Inshuwaransi

Makampani ena omwe akuphatikizapo chiopsezo ndi inshuwaransie. Akatswiri azachuma pamakampaniwa atha kuthandiza makampani kuyang'ana omwe akufuna ndikuwunika zomwe akufuna.

Mwa kusonkhanitsa zitsanzo zolondola za kayendetsedwe ka ndalama ndikupanga malipoti a msika, amathandizira ma inshuwaransi kuwongolera zoopsa zawo ndikupatsa makasitomala malingaliro oyenera.

Investments

Monga tanena kale, kuyika ndalama ndi gawo lodziwika bwino la akatswiri azachuma. Mabanki oyika ndalama amafunikira luso la akatswiri kuti amvetsetse momwe msika ukuyendera kuti athandize mabungwe kupanga zisankho zoyenera.

Malingaliro awo ndi upangiri wawo umalimbikitsa ndalama zamtsogolo. Iyi ndi njira yosinthira ntchito, popeza akatswiri azachuma amatha kugwira ntchito ngati alangizi odziyimira pawokha kapena ngati kampani yowunikira.

Amalonda

Pafupifupi mabizinesi onse amadalira luso la alangizi azachuma. Katswiri wodziwa zambiri atha kuwunika momwe bungwe likuyendera pazachuma ndikulangiza chilichonse kuyambira kusintha kwamachitidwe mpaka kukhazikitsidwa kwazinthu.

Mu gawoli, akatswiri amakonza malipoti ndikupereka malingaliro awo pankhani zachuma kwa oyang'anira.

Maboma

Mabungwe aboma amafunikiranso akatswiri azachuma nthawi zonse, makamaka omwe amagwira ntchito pazachuma chachikulu. Akatswiri omwe ali m'maudindowa amathandizira mabizinesi aboma powunika momwe chuma chikuyendera.

Chomwe chimapangitsa niche iyi kukhala yapadera ndikuti akatswiri nthawi zina amatha kuyitanidwa kuti adziwe zachinyengo ndi zigawenga zina.

Ndizothekanso kuyenda mu gawoli, makamaka kwa akatswiri omwe amagwira ntchito ku mabanki ndi makampani a inshuwaransi. Nthawi zambiri, maudindowa amafunikira kuchezeredwa kwa omwe angakhale osunga ndalama kuti awone pamasamba. Kuyang'ana mwa munthu kumathandiza wofufuzayo kumvetsetsa bwino zoopsa zomwe zingachitike.

Malipiro a katswiri wa zachuma amasiyana malinga ndi zomwe akumana nazo, maphunziro awo ndi dziko limene amagwira ntchito. Monga momwe zilili ndi maudindo ena ambiri, pali mgwirizano womveka bwino pakati pa zochitika zambiri ndi malipiro apamwamba.

✔Momwe Mungakhalire Katswiri Wazachuma

Tsopano popeza mukudziwa zomwe ntchito yowunikira zachuma imaphatikizapo, mungakhale mukuganiza kuti ndi maluso ati omwe amafunikira paudindowu? Mwachiwonekere mukufunikira luso lolimba kuti muyambe ntchitoyi. Chitani certification ndikupeza ma diploma oyenera, digiri yazachuma mwachitsanzo.

Ngati mukufuna kukhala katswiri wazachuma, muyenera kuganizira za maphunziro anu. Makampani ambiri amafunafuna digiri mu accounting, zachuma, kapena gawo lina lofananira (monga zachuma).

Mwayi wina, monga internship kapena kuphunzira zambiri, zitha kukhala zothandiza kwa katswiri wazachuma yemwe akufunafuna udindo wawo woyamba.

Olemba ntchito ambiri amakonda kapena amafuna kuti olembetsa awo akhale ndi digiri yoyamba. Zomwe zikutanthauza kuti pulogalamu ya Masters in Business Administration iyenera kukhala gawo lanu lotsatira.

Njira yabwino yokonzekera ntchito ngati katswiri wazachuma ndikupeza digiri yapamwamba, monga MBA.

✔Maluso osagwirika a katswiri wazachuma

Katswiri wazachuma akuyembekezeka kugwirizana ndi anthu ambiri pabizinesi, chifukwa chake ndikofunikira kukhala ndi luso lofewa:

luso lolankhulana

Akatswiri azachuma amagwira ntchito pamitu yovuta yomwe oyang'anira ena ambiri ndi oyang'anira sangamvetsetse. Ayenera kumasulira ntchito yawo ndi malingaliro awo kumagulu ena m'njira yomwe angamvetsetse.

Momwemonso, ayenera kudziwa momwe angatumizire maimelo achidule ndikuyimba foni kuti akambirane zofunikira zachuma.

Maluso oyanjana ndi anthu

Malusowa amasiyana ndi kulankhulana chifukwa amaganizira kwambiri maubwenzi ogwira ntchito.

Popeza openda ayenera kugwira ntchito m'gulu, ayenera kudziwa momwe angagwirizanitse bwino ndi kumvetsetsa mawu osagwiritsa ntchito mawu omwe amapezeka mwachibadwa pamsonkhano kapena kukambirana.

Maluso owonetsera

Pambuyo pofotokoza za tsogolo la msika, katswiri wa zachuma adzafunika kupereka maganizo awo kwa atsogoleri amalonda kapena makasitomala awo. Izi nthawi zambiri zimaphatikizapo kupanga chiwonetsero chodzaza ndi zomwe apeza.

Ndikofunikira kuti wofufuza adziwe momwe angapangire ulaliki wokopa chidwi ndi mawonekedwe owoneka bwino, zolemba, ndi mawu omwe amamveketsa mfundo yake mwachidule.

Kukhoza kwa bungwe

Luso lina lofewa lomwe katswiri wazachuma ayenera kukhala nalo ndikukonzekera. Adzaperekedwa ndi zambiri zosagwirizana zomwe adzafunika kuzisanthula kuti adziwe zomwe zili zofunika pazolosera zawo.

Kuchokera pamenepo, katswiri adzafunika kudziwa momwe angagwiritsire ntchito mfundozo kuti zigwiritsidwe ntchito ndi kugawana nawo ena omwe ali nawo.

Resolution de problèmes

Pomaliza, akatswiri azachuma akuyenera kugwiritsa ntchito luso lawo laukadaulo komanso chidziwitso kuti athetse mavuto. Pamafunika kuganiza mozama kuti atembenuze zidziwitso zomwe amapeza kuchokera ku data ndi kusanthula kukhala zochita monga zisankho zozikidwa pa umboni.

✔ Maluso akuthupi a katswiri wa zachuma

Pamodzi ndi luso losaonekali, katswiri wazachuma ayenera kumvetsetsa bwino izi:

Kuyankha

Ngakhale akatswiri azachuma amasiyana ndi akatswiri owerengera ndalama, amalangizidwabe kuti amvetsetse zina mwazofunikira. Ayenera kudziŵa bwino ndondomeko ya zachuma, chifukwa zolembazi zimawalola kuwunika momwe kampani ikuyendera.

Kudziwa bwino zachuma

Momwemonso, wowunika paudindowu ayenera kudziwa bwino zandalama.

Ayenera kuwerenga malipoti azachuma kuti amvetsetse bwino msika wamalonda. Kuonjezera apo, ayenera kudziwa bwino ndondomeko ya zachuma ndi ndondomeko za ntchitoyi. Mwachidule, ayenera kukhala maphunziro azachuma cholimba.

Kuthekera kwakukulu kosanthula

Maluso osanthula ndi luso lofunikira la katswiri wazachuma. Kusanthula kuyenera kupanga maulosi olondola kuchokera kuzinthu zachuma.

Ayeneranso kuzindikira ndi kuthetsa mavuto a zachuma. Kudziwa kugwiritsa ntchito zida zowunikira ndikofunikiranso ndipo kungathandize kukonza zokolola zawo.

Chitani kafukufuku

Kuchita kafukufuku ndi imodzi mwa maudindo akuluakulu a udindowu. Katswiri ayenera kudziwa momwe angachitire kafukufuku wake mogwira mtima komanso moyenera kuti apeze zomwe akufuna.

Ngakhale zingakhale zosavuta kupeza mbiri yakale ya kampani, idzafunikanso kufufuza zina zowonjezera muzosungirako ndi malipoti ena a chipani chachitatu.

Malipoti olembedwa

Luso lomaliza lodziwika lomwe muyenera kukhala katswiri wazachuma ndi luso lolemba lamphamvu. Ngakhale manambala amawongolera malingaliro a akatswiri, katswiriyo ayenera kulemba malipoti ndikumasulira zomwe zili m'makalata olembera ena pakampani.

✔️ Kutseka

Pamapeto pakufufuza kwathu, akatswiri azachuma sakhalanso ndi zinsinsi kwa inu! Tidawunikiranso ntchito zake zofufuza zamakampani, kupanga kwamalingaliro opangira ndalama, ndi luso latsatanetsatane lofunikira.

Zowonadi, ntchitoyi imafunikira chidwi cha manambala komanso kukoma kofotokozera zambiri zovuta. Koma akatswiri amapindulanso ndi kusonkhezeredwa kwanzeru kosatha komanso malo apamwamba apamwamba pamtima pazachuma. Zokwanira kusangalatsa malingaliro anzeru kwambiri komanso achidwi!

Ndiye, kuyesedwa ndi ulendo wovala zovala za katswiri wazachuma? Zomwe muyenera kuchita ndikukulitsa luso lanu lowunikira, kukulitsa luso lanu la Excel, ndikutuluka kuti mukaululire kwa osunga ndalama zamtengo wapatali zamsika za mawa! Kufufuza kosangalatsa!

Ngati mukufuna kuchita bwino bizinesi, ndiye apa pali maphunziro omwe ndimakonda kwambiri nditayamba pa intaneti. Ndikupangira inunso.

Ndisiyeni maganizo anu mu ndemanga.