Zeziphi iindlela eza kuthatha imali yangomso?

Zeziphi iindlela eza kuthatha imali yangomso? ukuthatha ? Le yinkxalabo yeli nqaku. Ngapha koko, ilizwe lezemali litshintsha ngokukhawuleza kangangokuba lijonge phambili ukucinga namhlanje malunga nokuba iza kuba njani imali yangomso. Ngokwenene, financeddemain.com waqala ukuzibuza ukususela kwintlekele yezemali ka-2008.

Le ngxaki incinci yabonisa ukuba inkqubo yezemali yehlabathi ibuthathaka kangakanani. Emva kolu nxunguphalo, ezinye iindlela ezininzi zezimali ezithe namhlanje zineziphumo ezingaphezulu okanye ezincinci kwindlela yezemali zaqala ukuvela.

Kweli nqaku, ndinikezela kuwe ezi ndaba iindlela zezimali equka imali yangomso. Ngamanye amazwi, kunye siya kuphendula lo mbuzo ulandelayo: Zeziphi iindlela eza kuthatha imali yangomso?

Kutheni ucinga ngezimali zangomso?

Inkqubo ilizwe lezemali likwimo embi. Ikufuneka kwenziwe into. Siyaqhubeka nokujongana neengxaki zemali kunye nokuxhaswa ngemali kwezoqoqosho. Ngamafutshane, sibona ukwanda kokuxhatshazwa koMntu ukuze kuxhamle uqoqosho kunye nemali. EzeMali iye yaqhawulwa kwi-real sphere. Ngoku uqoqosho lwehlabathi lufuna imali esesikweni kunye neyoluntu olunoxanduva olungaphezulu ekufuneka lusebenzele abantu. Ngapha koko, izinto ezintathu eziyinyani zityhalele abasebenzi bethu abahleli ukuba bajonge kwikamva lezemali.

✔ Ingxaki yezempilo yeCoronavirus ka-2019

Kule mihla, akukho mntu unokukhanyela iziphumo ezigwenxa ze-COVID19 kuqoqosho lwehlabathi. Ukuza kuthi ga ngo-2021, le ngxaki yaqala ngo-2019 iyaqhubeka nokubanga amaxhoba, kwinqanaba lomntu, lezoqoqosho kunye nentlalontle. Ifuthe layo kuqoqosho likhulu ngenxa yokuhla kosetyenziso lwehlabathi iminyaka emibini. Iinkampani ezininzi ziye zayiyeka imisebenzi yazo okwethutyana ngenxa yokuvalelwa okungqongqo. Ngenxa yesi sizathu, iimarike zemali aziyi kuzinzisa kude kube uloyiko kunye nenani lamatyala amatsha ayiyi kuyeka ukwanda ukusuka nakweliphi na icala.

Ngaloo ndlela, abaxhasi-mali sele becinga ngemodeli yezemali enokumelana nengxaki enokwenzeka yolu hlobo. Imodeli enjalo iya kuvumela iinkampani ukuba ziphephe iingxaki zemali kwingxaki enjalo.

✔ Iziphumo ezigqwethekileyo zokudityaniswa kwezimali kwehlabathi

Isizathu sesibini sokuba kutheni kufuneka sicinge malunga nokuba imeko yezemali yangomso ijongeka njani kukudityaniswa kwezimali. THE iziphumo zokudityaniswa kwemali kwehlabathi ikwatyhala abaphandi ukuba bakholelwe ekubeni kuyangxamiseka ukucinga ngendlela entsha yokwenza imali. Enyanisweni, ngokudityaniswa kweemarike kunye namaziko emali, abatyali-mali banethuba lokuhambisa imali yabo ngokukhawuleza ukusuka kwelinye iziko lezemali ukuya kwelinye ngokwamathuba enzuzo.

Nangona kunjalo, le ndlela yokwenza imali ikhokelela kukuzimela kwezemali, ukulahlekelwa kwamandla e-States, i-asymmetry yolwazi kunye uphuhliso lweendawo zokurhafisa. Ukuthetha ngokuzimela kwezemali, kufuneka kukhunjulwe ukuba imisebenzi yezemali iphezulu kakhulu kwimisebenzi enxulumene nokuthengwa kwempahla okanye iinkonzo. Ziya zinxulunyaniswa ngakumbi nethemba lokwenza iinzuzo eziqikelelwayo.

Ke, sibona ukuqhawuka konxibelelwano phakathi kwecandelo lezemali kunye noqoqosho lokwenyani. Lo ngoyena nobangela wengxaki ka-2008. Ngokudityaniswa kwehlabathi ngemali, amazwe aphelelwe ngamandla. Abasemagunyeni bezemali baphulukene namandla abo ukuze bazuze. Ngotyalo-mali lwabo lwezemali, aba batyali-mali banefuthe kumazinga enzala kunye namaxabiso otshintshiselwano. Le nto igxininisa ukuxhomekeka kwamazwe "abuthathaka" kwiindawo "ezomeleleyo".

Ulwazi olungafaniyo kunye nezivumelwano zorhwebo ezingenabulungisa zezinye iziphumo ezigqwethekileyo zokudityaniswa kwezimali. Ngezi zivumelwano, imali eyinkunzi iyatshintshwa isuke kumazwe asakhasayo isiwe kumazwe anesakhono sokuvelisa. Ezi khontrakthi zenze ukuba i-United States, umzekelo, itsale inkunzi yangaphandle ukuba ixhase ukusetyenziswa kwayo, utyalo-mali kunye nezinto ezintsha. Kukungabi nabulungisa kwezemali.

Enye yeempembelelo ezigqwethekileyo zokudityaniswa kwemali kuphuhliso lweendawo zokuhlawulela irhafu. Ukuvela kweendawo zokuhlawulela irhafu kwaqala ngeminyaka yoo-90. Enyanisweni, indawo yokuhlawulela irhafu lilizwe okanye ummandla onerhafu encitshisiweyo. La mazwe asebenzisa umgaqo-nkqubo othi “ umngqibi-ummelwane wakho » okubandakanya ukuzuza ubutyebi emva kwamanye amazwe. Zisuka kwimvelaphi yenxalenye enkulu yetyala likawonke-wonke lehlabathi. Ezi ndawo zerhafu ziyathandeka ukurhwaphiliza imali ukungcola, ukuphepha irhafu kunye nokwandisa ukungalingani kwihlabathi, ukuze kuxhamle iifemu neebhanki zamazwe ngamazwe. Xa sijongana nezi ntsilelo, inkqubo yezemali yehlabathi idinga imigaqo yokuziphatha kunye noxanduva.

✔ Iimfuno zokhuseleko lokusingqongileyo

Isizathu sesithathu sokuba kufuneka sicinge ngendlela ekhangeleka ngayo imali yangomso kukukhusela indalo. Uphuhliso lwamanani abantu kunye nemizi-mveliso lukhokelela kukufudumala kweatmosfera yesijikelezi-langa, nto leyo engalungelelananga kwaye ibeke esichengeni abemi baso. Ngaloo ndlela, ukukhuselwa kokusingqongileyo kunye nayo izibonelelo ziye zaba ngumba ophambili.

Ngaphezu kwako konke ukuqonda malunga nehlabathi leengxaki ze-ikholoji. Ukwenza oku, kufuneka siphinde sicinge ngezezimali, sikhuthaze uhlaza, uxanduva oluthe kratya kunye nezezimali ezinobulungisa.

Ngoko ke zeziphi iifomu eza kuthatha imali yangomso?

Ngenxa yokudlala kwimarike yemasheya, imali yangomso iya kuba neendlela ezininzi. Kulo mhlathi sithetha nawe malunga nezezimali zamaSilamsi, ezemali ezinxuseneyo, ezemali zohlaza kunye nobukrelekrele bezoqoqosho.

✔ Zeziphi iindlela eza kuthatha imali yangomso? : ezezimali ezisesikweni kunye noxanduva

Imali yangomso iya kuqala kwaye phambili ibe yiSilamsi. NjengeBhanki yehlabathi, i-International Monetary Fund ibeka onke amathemba ayo kwimali yamaSilamsi. Le mali, nokuba ikwinqanaba lethiyori, inoxanduva ngakumbi lokuziphatha kunye nentlalontle. Ukuzinzisa inkqubo yezemali ngendlela yayo; Izimali zamaSilamsi ziyakwalela ukwenza umdla, ukucinga, ukungcakaza, njl.

Ikhuthaza utyalo-mali kwii-asethi ezibonakalayo, okt. utyalo-mali kuqoqosho lokwenyani. Ngaphaya koko, icebisa ukuba ilahleko kunye nengeniso kwabelwane ngayo phakathi kwebhanki nomxumi wayo. ukuyenza, Izimali zamaSilamsi zinciphisa ukungabi nabulungisa kwezemali. Ngokwesiqhelo, inkqubo yebhanki yamaSilamsi ibonwa njengezinzile ngakumbi kunokulingana kwayo okuqhelekileyo. Ngexesha lentlekele yezemali ka-2008, iibhanki zamaSilamsi zibambe kakuhle. Oku komelela kunokuchazwa kukuba abazibandakanyi kwintelekelelo, oyena nobangela wale ngxaki. Ngaloo ndlela, imali iya kuqala ibe yiSilamsi.

✔ Izemali ezinxuseneyo okanye ibhanki yesithunzi: ukukhula okumangalisayo

Imali yangomso iya kuba yile nto ibizwa ngokuba yi-parallel finance. Ikwabizwa ngokuba yi-shadow finance, le mali ibandakanya ikakhulu iintengiselwano zokhuseleko, i-crowdfunding kunye nezibambiso zokubolekisa kunye nokuboleka imisebenzi. Lilonke, yimisebenzi yebhanki ebaleka ummiselo. I-opaque, iqikelelo, umngcipheko omkhulu, inkqubo, nokuba " yolwaphulo "Kwabanye, iShadow Banking ichazwa ngabanye njengento eguquguqukayo, eguquguqukayo, evelisa izinto ezintsha, elungiselelwe ukuxhasa uqoqosho lwangoku, kunye nokuhambelana nothungelwano lwebhanki" kulawulwa ngokugqithisileyo ».

ngokuvumelana ingxelo kaLe Monde, imisebenzi yebhanki yesithunzi ayizange iphumelele kangako. Namhlanje, oku kunyuka okubonakalayo kweShadow Banking kubeka umngcipheko kuzinzo lwenkqubo yezemali yehlabathi.

Kwangokunjalo, inqaku elikwiphephancwadi iBilan laqikelela ukuba umngcipheko wokuwohloka kwezoqoqosho namhlanje ugxile kakhulu “ imali yesithunzi », zombini ngenxa yobunzima bayo kunye nenyaniso yokuba ayihambisani nemithetho yobulumko efana necandelo lebhanki lemveli. Ngoko, ngaba sifanele soyikele ikamva lemali yangomso?

✔ Imali eluhlaza: imfuneko yekamva lehlabathi

Imali ayisanelisekanga kuphela kukuxhasa ngemali iiprojekthi ezinengeniso. Ikwathathela ingqalelo imiba yokusingqongileyo. "Imali eluhlaza" ngumbono ochaza izenzo zemali kunye nemisebenzi ekhuthaza ukuguqulwa kwamandla kunye nokulwa nokufudumala kwehlabathi. Le mali ijonge ukuxhasa ngemali iiprojekthi ezingonakalisi indalo esingqongileyo. Ngamanye amazwi, nayiphi na iprojekthi kweli cala inokufumana imali ngokulula.

Imarike yezemali eluhlaza iyakhula kwaye yakhiwe kakuhle. Apho sifumana i iibhondi eziluhlaza, imarike yekhabhoni, i-ecological Bonus-Malus, utyalo-mali kunye nemisebenzi emhlophe kunye iirhafu zekhabhoni. Iibhondi eziluhlaza zifana neebhondi "eziluhlaza". nehambisana kuba zimele izibambiso zamatyala. Nangona kunjalo, imali ebolekiweyo isetyenziselwa ukuxhasa iiprojekthi zendalo.

Imarike yekhabhoni ijolise ekunikeni " amalungelo okungcolisa » ezinokuthi zitshintshwe kwimarike. Ngaloo ndlela, abadlali abanqwenela ukungcolisa ngakumbi kufuneka bathenge amalungelo ongezelelweyo, anika inkuthazo yokunciphisa ukukhutshwa kwegesi ye-greenhouse. I-bonus-malus ijolise ekunyuseni iindleko zokuthenga iimoto ezingcolisa umoya kunye nokunciphisa iimoto ezingcolisa kancinci ukukhuthaza ukuthengwa kwazo. Kukusetyenziswa komgaqo othi “ umngcolisi uyahlawula ».

✔ Ubukrelekrele bezoqoqosho kunye nezezimali: umtshato ohambelanayo

Imali yangomso ikwasekelwe kubukrelekrele bezoqoqosho. Ibinzana elithi Economic Intelligence libhekisa kwindlela edityanelweyo phakathi kwenkampani enenjongo yokwandisa ukukhuphisana kwayo kwixesha elide, ngokomeleza iindlela zayo zokulindela. Sithetha ngohlolo olucwangcisiweyo. Ubukrelekrele boShishino bukwajolise ekwandiseni amandla okwenza izinto ezintsha zenkampani ngonxibelelwano lwedijithali.

Ke, ubukrelekrele beshishini kule mihla bujongwa njengenye yeendlela zokufezekisa ngempumelelo inguqu yedijithali yamaShishini amaNcinci kakhulu naPhakathi. Eli lithuba leenkampani ezifuna inzuzo ekhuphisanayo.

Ukuqukumbela, ukuphendula umbuzo: Zeziphi iifom eza kuthatha imali yangomso; sinokuthi inkqubo yezemali yehlabathi iyakhula kwaye ineendlela ezininzi. Imali yangomso ayisayi kuba yile nto siyaziyo namhlanje. Imali yesithunzi, imali yamaSilamsi, imali eluhlaza kunyeUbukrelekrele bezoqoqosho yenza iindlela ezintsha zezemali. Nangona kunjalo, ukuba ufuna ukuthatha ulawulo lwemali yakho yobuqu kwiinyanga ezintandathu, ndincoma kakhulu esi sikhokelo.

Sishiye izimvo zakho kwizimvo.