Kutheni ulawulo lweebhanki kufuneka lomelele?
Kutheni ulawulo lweebhanki kufuneka lomelele? Lo mbuzo yeyona nto ixhalabisayo esiyiphuhlisayo kweli nqaku. Ngaphambi kwalo naluphi na uphuhliso, ndingathanda ukukukhumbuza ukuba iibhanki iinkampani ezipheleleyo. Ngokungafaniyo neenkampani zemveli, zifumana iidiphozithi kubathengi babo kunye nezibonelelo ngendlela yemali mboleko. Ukongeza, bajongana nabachaphazelekayo abaninzi (abathengi, abaninizabelo, ezinye iibhanki, njl..).
Esi sihlwele sabachaphazelekayo sonyusa ubudlelwane be-arhente kwaye ke ngoko iingxabano ze-arhente. Ngoko ke kulo mzuzu uchanekileyo ukuba ulawulo lungenelele ukunciphisa iingxabano ze-arhente ngaphakathi kweenkampani.
Kweli nqaku ndinikezela kuwe imingeni emikhulu ye ulawulo lwebhanki. Ngamanye amazwi, Finance de Demain ndikuxelele ukuba kutheni ulawulo lweebhanki kufuneka luqine.
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Masihambe !!
🌿 Yintoni ulawulo lweshishini?
Expression ulawulo ibhekisa kwindlela ishishini lenkampani elenziwa ngayo. Kwinkampani, ulawulo lweshishini lubhekisa ekuthatheni ingqalelo umdla wabachaphazelekayo kwinkqubo yokwenza izigqibo.
Ke ngoko, ulawulo olululo luya kuqinisekisa inkqubo ezinzileyo nesebenzayo yokudala amaxabiso kubo bonke. Enyanisweni, kubalulekile ukukhumbula ukuba ulawulo lwamaqumrhu lufumana ingcaciso ukususela kwixesha apho umdla wabachaphazelekayo uyahlukana.
Inkampani ingaphezu kwayo yonke into iikhontrakthi node » kuquka abaphathi, abasebenzi kunye nabatyali-mali bezimali. Ngenxa yoku kukho iingxabano ngokwendalo phakathi kwala maqela kwikhontrakthi.
| Abapheki beencwadi | ibhonasi | Betha ngoku |
|---|---|---|
  | ✔ ibhonasi : de €1950 + 150 free spin 💸 Uluhlu olubanzi lwemidlalo yoomatshini bokungcakaza 🎁 Ikhowudi yokuthengisa : argent2035 |  |
 | ✔ibhonasi : de €1500 + 150 free spin 💸 Uluhlu olubanzi lwemidlalo yekhasino 🎁 Ikhowudi yokuthengisa : argent2035 |  |
 | ✔️ Ibhonasi: phezulu 1750 € + 290 CHF 💸 Ipotfoliyo yeekhasino eziphezulu 🎁 Ikhowudi yokuthengisa : 200euros |  |
Ungquzulwano lunokuchasa nokuba ngabaninizabelo kubaphathi, abaninizabelo phakathi kwabo (abambalwa xa kuthelekiswa nesininzi), okanye ababolekisi bemali (iibhanki nabanini-bhondi ngokukodwa) kubaninizabelo.
Kwiibhanki, olu ngquzulwano luya lugxininiswa ngakumbi kuba kukho iindidi ezininzi zobudlelwane be-arhente. Umzekelo, sinobu budlelwane be-arhente bulandelayo: umphathi/abanini zabelo, ibhanki/abaxumi, abanini zabelo/abaxumi.
La ulawulo lwebhanki kufuneka ibandakanye imiba yamagunya, ulawulo, ukungafihli, ulawulo lokuhlawula amatyala nokuba semthethweni kweziko.
Ichaphazela imiba yomibini yeengxabano zomdla phakathi kwabachaphazelekayo kunye nabo banxulumene nokugcina ukuthembana phakathi kwabo.
Inqaku eliza kufundwa: Yeyiphi imingcipheko yebhanki yamaSilamsi?
Iibhanki kufuneka zikwazi ukuvavanya imingcipheko ekhoyo kwimisebenzi yabo, kwaye oku, ngakumbi kwimeko yokukhula okanye ukhuphiswano. Oku kwakhona kufuna ubungcali beebhanki kunye nezezimali ebhodini.
Ukongeza, iibhanki kufuneka zifune ukulungelelanisa iinjongo zentlalo kunye neenjongo zemali ukwenzela ukwanelisa abachaphazelekayo abaninzi.
🌿 Ubunzulu beebhanki xa kuthelekiswa nezinye iinkampani
Iinkampani zebhanki zineempawu zazo. Iimpawu zeebhanki zilele kumsebenzi wazo, ubukho beendleko zentengiselwano, ukubaluleka kokwahlukana komngcipheko, iqondo lokubaluleka kwezinto ezintsha kwinqanaba kunye nakwinqanaba lokulawula.
Enyanisweni, izinto ezininzi zithethelela umdla wenkqubo yolawulo oluluqilima kwiibhanki.
✔ Ubume bemisebenzi yebhanki
Ibhanki idlala indima yokungenelela kwemali phakathi kwee-arhente zoqoqosho. Iqokelela iidipozithi zabathengi bayo ukuze batshintshele abanye abathengi kwaye ngokwenza oko kudala imali.
Kule nto, isebenzisa inkunzi yayo ukukhusela intengiselwano nto leyo iyenzayo njengophinda-phindo lwayo. Inomsebenzi wokuthembeka kubathengi bayo kunye nomsebenzi wokhuseleko ngokubhekisele kubanini-zabelo, abaxumi kunye nemarike.
Umsebenzi webhanki ke ngoko ufuna i-solvency esisigxina kunye ne-liquidity. Esi sisizathu sokuqala sokuba kutheni ulawulo lweebhanki kufuneka luqine ngaphakathi kweebhanki.
✔️ Ukubaluleka kokwahlukana komngcipheko
Iibhanki, ngokungafaniyo neenkampani zemveli, zijongene nemingcipheko emininzi. Oku kubandakanya umngcipheko wokuhlawula amatyala, umngcipheko wenkampani, njl.
Ngenxa yesi sizathu kubalulekile ukwenza ukuhlukana komngcipheko kuba awuwabeki onke amaqanda akho kwingobozi enye. Olu luhlu lubandakanya ukukhetha a indibaniselwano yokubeka ezahlukeneyo ukunciphisa umngcipheko onxulumene nepotifoliyo yakho.
Ngokwethiyori, ukwahluka kukuvumela ukuba unciphise umngcipheko kwipotfoliyo yakho ngaphandle kokuncama imbuyekezo enokubakho. Ipotfoliyo esebenzayo yenza imbuyekezo ethile umngcipheko ophantsi onokwenzeka.
Nje ukuba ipotifoliyo yakho ihluke ngokupheleleyo, kufuneka uthathe umngcipheko owongezelelweyo ukwandisa imbuyekezo yayo.
| Abapheki beencwadi | ibhonasi | Betha ngoku |
|---|---|---|
 | ✔ ibhonasi : de €1950 + 150 free spin 💸 Uluhlu olubanzi lwemidlalo yoomatshini bokungcakaza 🎁 Ikhowudi yokuthengisa : 200euros | |
 | ✔ibhonasi : de €1500 + 150 free spin 💸 Uluhlu olubanzi lwemidlalo yekhasino 🎁 Ikhowudi yokuthengisa : 200euros | |
 | ✔ ibhonasi : de €1950 + 150 free spin 💸 Uluhlu olubanzi lwemidlalo yoomatshini bokungcakaza 🎁 Ikhowudi yokuthengisa : WULLI | |
Ukwahlulahlula ngempumelelo ipotfoliyo yakho kufuna ulungelelwaniso olungcono lwemisebenzi ebhankini. Esi sisizathu sesibini sokuba kutheni ulawulo lweebhanki kufuneka luqine.
✔ Inqanaba lokubaluleka kwezinto ezintsha zebhanki
Ukwenziwa kwezinto ezintsha kubhekiselele ekwenziweni kwemidibaniso emitsha. Isenokuchaphazela ukwenziwa kwezinto ezintsha, ukuqaliswa kwendlela entsha yokuvelisa, ukuvulwa kwendawo entsha yokuphuma; ukoyiswa komthombo omtsha wemathiriyeli ekrwada okanye iimveliso...
Kwiminyaka yakutshanje, iibhanki ziye zabhenela ekuvuleni izinto ezintsha. NgokukaChesbrough (2003), le modeli yokuvelisa izinto ezintsha esekwe kwiindlela zentsebenziswano yavavanywa kuqala ziifemu ezingezizo ezemali.
Olu hlobo lokutsha lusekelwe kwintsebenziswano phakathi kwebhanki kunye namaqabane ayo.
Inqaku elifundwayo: Yeyiphi imingcipheko yebhanki yamaSilamsi?
Okokugqibela, ukusungulwa kwezinto ezintsha yimfuneko yobuchule kwiibhanki ezifuna ukuhlala zikhuphisana. Ngoku ka UMadan kunye noSoubra (1991) ukusungula izinto ezintsha kuvumela iibhanki ukuba zandise inzuzo yazo ngokunciphisa ukuthengiselana, uphando kunye neendleko zokuthengisa.
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Ngexesha lobunzima njengangoku kunye ne-COVID19, ukusungulwa kweebhanki kubonelela ngokhuphiswano kwiibhanki ezithile. Ukuze ukuphunyezwa kwenzeke, yonke into ixhomekeke kwinkqubo yolawulo ephunyezwe kwinkampani.
Ngaloo ndlela, ulawulo olulungileyo luya kudala ixabiso elongezelelweyo kubo bonke. Esi sisizathu sesithathu esicacisa imfuneko yolawulo oluluqilima lweebhanki.
✔ Kutheni ulawulo lweebhanki kufuneka lomelele? Le bhanki yindawo ekudityaniswa kuyo abathathi-nxaxheba abaninzi
Ngokungafaniyo neenkampani zemveli, iibhanki zidibanisa inkitha yabachaphazelekayo ekufuneka ithathelwe ingqalelo kulawulo lwabo.
Abachaphazelekayo bonke ngabantu bendalo okanye abasemthethweni abachaphazelekayo nabanokuba nefuthe kwizigqibo zenkampani. Banokuba njalo ngaphakathi okanye ngaphandle ebhankini.
Inqaku eliza kufundwa: Konke malunga ne-stock market
Abachaphazelekayo bangaphakathi bayinxalenye yabasebenzi bebhanki (abaphathi, abasebenzi, njl.). Ngokuphathelele abachaphazelekayo bangaphandle, sinalo: iibhanki ezincedisayo, abathengi, ababoneleli, njl.
Abachaphazelekayo abasebenzayo bathatha inxaxheba kwizigqibo zebhanki ngelixa abachaphazelekayo abangenzi nto bexhomekeke kwizigqibo zebhanki. Ubunzima bomntu ngamnye ochaphazelekayo buneziphumo kulawulo lweshishini.
| Abapheki beencwadi | ibhonasi | Betha ngoku |
|---|---|---|
 | ✔ ibhonasi : de €750 + 150 free spin 💸 Uluhlu olubanzi lwemidlalo yoomatshini bokungcakaza 🎁 Ikhowudi yokuthengisa : 200euros 💸 Cryptos: bitcoin, Dogecoin, etheureum, USDT | |
 | ✔ibhonasi : de €2000 + 150 free spin 💸 Uluhlu olubanzi lwemidlalo yekhasino 🎁 Cryptos: bitcoin, Dogecoin, etheureum, USDT | |
 | ✔️ Ibhonasi: phezulu 1750 € + 290 CHF 💸 IiCasino eziphezulu zeCrypto 🎁 Cryptos: bitcoin, Dogecoin, etheureum, USDT | |
Abathathi-nxaxheba abasebenzayo baya kutyekela ekubekeni phambili imidla yabo kuneyabanye.
Les uninzi lwabaninizabelo umzekelo baya kufuna ukunyanzelisa intando yabo kumonakalo kubaninizabelo abambalwa. Kule ngqiqo, ibhanki ijongene neengxabano ezininzi ze-arhente.
Akunjalo kuphela kunye namaqabane angaphakathi, kodwa kunye namaqabane angaphandle. Le meko igxininiswe ngakumbi kwiibhanki zamaSilamsi.
Inqaku eliza kufundwa: Eyona ndlela intle yezeMali eSebenza ngokufanelekileyo
Ukujongana nazo zonke ezi ngxaki, kufuneka kumiselwe ulwakhiwo lolawulo olululo. Esi sisizathu sesine sokuba kutheni ulawulo lweebhanki kufuneka lomelele.
🌿 Indlela yokunciphisa iingxabano zomdla kwiibhanki?
Kule nto sigqiba kuyithetha, kucacile ukuba ulawulo lweebhanki kufuneka lujongane neendidi ezininzi zokungqubana kwemidla. Ukwenza lo msebenzi, ulawulo lweebhanki luneqela leendlela ezaziwa ngokuba iindlela zolawulo.
Ngokwe-etymologically, i-mechanical yindibano yezinto, ezinye zazo ezinokuhamba xa zithelekiswa nezinye. Le ndibano ke ngoko ayenzi into eqinileyo. Ngamnye element izimele.
Iingxabano ze-Arhente kunye abatyalwayo bahlala ngeendlela ezifana neziqinisekiso zekhontrakthi, iinkqubo zomthetho zokuhlaliswa kwenkundla, imarike yolwazi lwezemali, okanye iindlela ezingekho sikweni ezifana nodumo.
Inqaku eliza kufundwa: Wenza ntoni umhlalutyi wezezimali?
Ezi ndlela zahlukeneyo azidlali indima elinganayo kwaye ukubaluleka kwazo kuxhomekeke kubume kunye nomsebenzi wenkampani.
Kwinkqubo yolawulo, le ndibano inokohlulwa ibe ziindidi ezimbini:
✔ Iindlela ezakhiweyo okanye “zenjongo”
Kulo luhlu sinelungelo lokuvota kwibhodi yabalawuli (CA), iimpawu ze-CA (ubukhulu, ukungafihli, ukuzimela, njl.) kunye neekomiti (uphicotho-zincwadi, umvuzo, njl.).
Iinkqubo zemivuzo kunye neprofayile yomphathi nazo ziwela kolu didi. Eyona ndlela yolawulo lweebhanki yibhodi yabalawuli.
✔ Iinkqubo “ezizenzekelayo”
Olu didi lweendlela lunxulunyaniswa nokhuphiswano lwemarike. Nokuba ziyintoni na, ezi ndlela zenzelwe ukunciphisa iingxabano ze-arhente phakathi kwabachaphazelekayo.
Ke, kwiinkampani ezinkulu ezidwelisiweyo, abanye ababhali bacinga ukuba eyona ndlela iphambili yintengiso yolawulo. Abaphathi baya kufuna ukulawula amashishini kakuhle ukwandisa isidima sabo kunye nexabiso kule marike.
Inqaku eliza kufundwa: Umahluko phakathi kweebhanki zamaSilamsi kunye neebhanki eziqhelekileyo
Ngaphandle kwe imarike yesigqeba Kukho enye indlela ezenzekelayo, ummiselo. Ulawulo lwebhanki lubonwa njengesenzo sokubeka iliso kunye nokulawula imisebenzi yebhanki, ngokuyithobela ekuthotyelweni kwemigangatho eyahlukeneyo, ukuze kulawuleke umngcipheko ukuze kugcinwe ukhuseleko lwabagcini, uzinzo lwenkqubo yezemali kunye neebhalansi ezinkulu.
Ukuphumeza oku, ulawulo lweebhanki luxhomekeke ngokusisiseko kulawulo kunye nokongamela.
La imimiselo yebhanki ibandakanya ikakhulu ukuseta inqanaba lobutyebi obuncinci, okanye i-equity ratio kwi-jargon, ekufuneka iibhanki zibambe ukuze zikwazi ukumelana nokothuka kwemali.
🌿 Isishwankathelo…
Ulawulo lwebhanki olusemgangathweni luyimfuneko engazange ibonwe ukuba sifuna ukugcina intembeko yabanye abachaphazelekayo. Ngokuka a Ingxelo yekomiti yaseBasel ipapashiwe ngo-2015, ulawulo oluhlangeneyo lujolise ekomelezeni uxanduva oluhlangeneyo lwebhodi yabalawuli malunga nokongamela kunye nolawulo lomngcipheko.
Ngenxa yobume bemisebenzi yebhanki, ulawulo luyinto ebalulekileyo kwi ingqiqo nophuhliso lweebhanki.
Ukulawula iidiphozithi zabathengi, ukubanika ikhredithi kunye nokufikelela kulwazi oluyimfihlo lwabathengi kwandisa imfuno yolawulo olusebenzayo nolusebenzayo; ukulawulwa okunamandla kunye nokulawula (i-El Marzouki kunye neBenlechehab, i-2017).
Ukongeza, iibhanki zibonakaliswe ngakumbi kwiingxabano ze-arhente xa kuthelekiswa nezinye iindlela zoshishino.
Shiya izimvo zakho kwizimvo. Nangona kunjalo, ukuba ufuna ukuthatha ulawulo lwemali yakho yobuqu kwiinyanga ezintandathu, ndincoma kakhulu esi sikhokelo.
Shiya amazwana