Wenzani umhlaziyi wezezimali?
Ubani ongakaze aphuphe ngokufunda ibhola elicwebezelayo ukuze alindele ukusebenza kwezimakethe zamasheya ezinkampanini nokwenza izimali ezinenzuzo? Uma lingekho ibhola elinjalo, umsebenzi womhlaziyi wezezimali ufana kakhulu nomsebenzi wawo. Umseshi weqiniso wezezimali, umhlaziyi we-x-reyi ubhale izinkampani ukuze zihlole amandla azo isinyathelo esisodwa kusenesikhathi. Umsebenzi wethunzi obalulekile ezimakethe zezimali.
Nokho, lo msebenzi usalokhu ungaziwa emphakathini jikelele. Imisebenzi yayo ngqo, njengamakhono ayo adingekayo, ihlala iyimfihlakalo.
- Yini ngempela echaza impilo yansuku zonke yomhlaziyi wezezimali?
- Hlobo luni lwezinsizakalo namakhasimende ukuhlaziya kwayo okuhloselwe kona?
- Futhi uba kanjani lo sleuth wemakethe yamasheya?
Izindawo eziningi ezimpunga esizozicacisa kulesi sihloko ukuze siqonde kangcono lo msebenzi othakazelisayo. Bophani, sesiyothola umhlaziyi wezezimali!
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✔️ Iqhaza nezibopho ukuhlaziywa kwezimali
Abahlaziyi bezezimali badlala indima ebalulekile ekusebenzeni kwansuku zonke kwenhlangano. Ine-a izinga eliphezulu, bacwaninga futhi basebenzise idatha yezezimali ukuze baqonde ibhizinisi nemakethe ukuze babone ukuthi inhlangano inqwabelanisa kanjani.
Ngokusekelwe ezimweni ezijwayelekile zomnotho nedatha yangaphakathi, batusa izenzo zenkampani, njengokuthengisa isitoko noma ukwenza okunye ukutshalwa kwezimali.
Kunjalo, lokhu kuwukunwaya kuphela phezu kwezibopho zomhlaziyi wezezimali. Nansi eminye yemisebenzi ecaciswe kakhulu ochwepheshe abangayenzela ibhizinisi:
Qoqa futhi uhlele ulwazi
Kungakhathaliseki ukuthi imibiko yezimali yenkampani kanye nedatha yokubala yomlando, umhlaziyi udinga ukwazi ukuthi angathola kanjani, aqoqe futhi ahlele amanani amakhulu olwazi oluhambisana nebhizinisi lakhe.
Buyekeza izitatimende zezimali
Izitatimende zezimali zenkampani ziqukethe ingcebo yolwazi olubalulekile lomhlaziyi wezezimali. Besebenzisa la madokhumenti, bayakwazi ukunquma inani lenhlangano.
Lona omunye wezibopho ezibaluleke kakhulu zabahlaziyi bezezimali, njengoba lolu lwazi luqondisa izincomo zabo futhi lusebenza njengesilinganiso sokusebenza kwenkampani.
Ncoma ukutshalwa kwezimali
Ngemva kokuhlaziya lonke lolu lwazi, abahlaziyi bezezimali benza izibikezelo mayelana nemakethe nokusebenza kwesikhathi esizayo.
Yilapho okufanele basebenzise ulwazi lwabo lwangaphandle kanye nezibalo zezezimali ukuze benze izincomo ezikhulwini zenkampani. Umhlaziyi wezezimali uzodala iphothifoliyo egcwele imibiko esekela izincomo zabo.
Njengoba ubona, umhlaziyi wezezimali kumele azilungiselele ukuthatha izibopho eziningi. Kumelwe benze ucwaningo lwezezimali nokuhlaziya, baxhumane namaqembu abaphathi nezikhulu zenkampani, futhi benze imibiko ebhaliwe nezethulo.
Iqhaza lakhe lihlukile kwele-accountant okhathazekile ezezimali zebhizinisi ngokombono wokusebenza, esikhundleni sokusuka kuhlangothi oluphelele lwesu lomhlaziyi wezezimali.
Abahlaziyi bezezimali basebenza ezimbonini eziningi ezihlukene, okuhlanganisa izibambiso, izimpahla, izinkontileka, amabhange otshalomali, nezinye izinsizakalo zezezimali.
Futhi nakuba izibopho ezivamile zale ndima zivezwe ngenhla, umhlaziyi wezezimali angase akhethe ukukhethekile ngokusekelwe kumakhono akhe omsebenzi.
Ukuphathwa kwesikhwama
Laba bahlaziyi basebenza kuphela nge ama-hedge funds noma ama-mutual funds shintsha. Basiza amaqembu abaphathi futhi bahlole amandla abo ukusiza ukwenza izinqumo zokutshala imali ngokuhambisana nezimakethe zamanje.
Ukuphathwa Kwephothifoliyo
Yonke inhlangano ifuna iphothifoliyo eqinile. Lokhu kudinga ukulingana okufanele kwemikhiqizo, izinsizakalo, izimboni kanye nezifunda zomhlaba ukuze kutshalwe imali kuzo, kube nesandla ekuphileni isikhathi eside nempumelelo yebhizinisi labo.
Abahlaziyi bezezimali basebenzisa ubuchwepheshe babo ukuze bahlaziye idatha yemakethe neyohwebo ukuze bancome isu elihle lokutshala izimali kanye nokulinganisa imiphumela.
Ukuhlaziywa kokulinganisa
Lokhu kuhlaziywa kwe-niche kuhlose ukuqondisa izinkampani noma izinhlaka zikahulumeni ngokusebenzisa amasu angcono kakhulu khokha izikweletu, njengezibopho. Laba bahlaziyi bahileleke kakhulu ekuqondeni izikweletu zenkampani kanye nobungozi obukhona uma ingakwazi ukuzikhokhela. Nakhu indlela yokuqeda isikweletu sakho ngokushesha okukhulu.
Ukuhlaziya ubungozi
Njengoba isihloko sibonisa, umhlaziyi wengozi yezezimali uhlola isu lezezimali lenkampani ukuze athole imithombo engase ibe khona yokulahlekelwa. Kodwa-ke, ngokungafani nendima yangaphambilini, laba bahlaziyi bahlose ukunciphisa ubungozi bokutshalwa kwezimali kanye nokukhulisa inzuzo.
Njenganoma yisiphi isikhundla, imisebenzi ethile yansuku zonke yomhlaziyi wezezimali nayo incike ezingeni labo lesipiliyoni. Isibonelo, umhlaziyi wezinga lokungenela cishe uqashwe omusha okungenani oneziqu ze-bachelor kwezezimali noma ezomnotho kanye nolwazi oluthile lwemboni.
Umhlaziyi omncane usebenza njengengxenye yeqembu elikhulu futhi usebenzelana ngokuyinhloko nemisebenzi yokuphatha. Kodwa-ke, idinga ukunakwa okukhulu emininingwaneni, njengoba bangase babe nesibopho sokubuyekeza imibiko, ukufaka idatha, nokwenza ukuhlaziya okujulile kwemakethe.
Umhlaziyi wezezimali omkhulu, Okwamanje, ithatha indima esebenzayo ekwakheni imodeli yezezimali, ukubikezela izitayela kanye nokwenza izincomo zohwebo.
Lokhu kungenxa yokuthi bangase babe neziqu ze-master ezineziqu zezezimali kanye neminyaka eminingi yesipiliyoni embonini noma nenkampani ngokwayo. Ngokuvamile bahola ithimba labahlaziyi futhi baphathe ukugeleza komsebenzi ukuze baqinisekise ukuthi imibiko nezincomo zilungile lapho abaholi bebhizinisi bezidinga.
✔️ Indawo yokusebenza kanye neholo kumhlaziyi wezezimali
Phakathi nomsebenzi wakho wobungcweti, ukuthola indawo yokusebenza efana nalokho okulindele kubaluleke njengokuthola umsebenzi ohambisana namakhono nezintshisekelo zakho.
Njengoba kushiwo ngaphambili, enye yezinzuzo zokuba umhlaziyi wezezimali ukuthi ubuchwepheshe bakho bufunwa yizimboni nabaqashi abahlukahlukene. Nokho, ngokwengxenye enkulu, ungalindela ukusebenza endaweni yasehhovisi.
Ezinye zezimboni ezivame kakhulu ukusebenza kuzo abahlaziyi bezezimali yilezi:
Amabhange
Amabhange endawo nezikhungo ezinkulu zezezimali zonke ziyazi ukuthi ubungozi bukhona embonini yabo. Yingakho bengabaqashi abakhulu babahlaziyi bezezimali.
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Basebenzisa ubuchwepheshe namakhono abo ukusiza ukuhlola ubungozi besikweletu, phakathi kwezinye izinsiza. Ukwengeza, basiza amabhange ukukhomba amathuba amasha okutshala imali.
Umshuwalense
Enye imboni ehlanganisa ingozi umshwalensee. Abahlaziyi bezezimali kulo mkhakha bangasiza izinkampani zihlole amakhandidethi futhi zihlole izimangalo.
Ngokuhlanganisa amamodeli anembile wokugeleza kwemali kanye nokukhiqiza imibiko yethrendi yemakethe, asiza abashwalensi ukuphatha ubungozi babo futhi banikeze amakhasimende izinqubomgomo ezifanele.
Ukutshalwa kwezimali
Njengoba kushiwo ngaphambili, ukutshala imali kuyindawo ethandwa kakhulu ngabahlaziyi bezezimali. Ukutshalwa kwezimali kwebhange kudinga amakhono omhlaziyi ukuze aqonde izimakethe ukuze asize izikhungo zenze izinqumo zamasu.
Izincomo zabo nezeluleko zikhuthaza ukutshalwa kwezimali esikhathini esizayo. Lena indlela yomsebenzi evumelana nezimo, njengoba abahlaziyi bezezimali bengasebenza njengabeluleki abazimele noma befemu yokubonisana.
Amabhizinisi
Cishe wonke amabhizinisi athembele kumakhono abeluleki bezezimali. Umhlaziyi onolwazi angahlola ukusebenza kwezimali kwenhlangano futhi eluleka ngayo yonke into kusukela kuzinguquko zokusebenza kuya ekuqalisweni komkhiqizo.
Kule ndima, abahlaziyi ngokuvamile balungiselela imibiko futhi bethule izincomo zabo ezindabeni zezezimali kubaphathi.
Ohulumeni
Izikhungo zikahulumeni nazo zihlale zidinga abahlaziyi bezezimali, ikakhulukazi labo abangochwepheshe bezomnotho omkhulu. Ochwepheshe kulezi zikhundla basiza ukutshalwa kwezimali kukahulumeni ngokuhlaziya idatha yezomnotho kanye nezitayela.
Okwenza le niche ihluke ukuthi abahlaziyi ngezinye izikhathi bangabizwa ukuze bakhombe ukukhwabanisa nezinye izenzo zobugebengu.
Kungenzeka futhi ukuhamba kule ndima, ikakhulukazi kubahlaziyi abasebenza emabhange kanye izinkampani zomshuwalense. Ngokuvamile, lezi zikhundla zidinga ukuvakashelwa kwabatshalizimali abangaba abatshalizimali ukuze kuhlolwe endaweni. Ukubheka mathupha kusiza umhlaziyi aqonde kangcono izingozi ezingaba khona ezihilelekile.
Iholo lomhlaziyi wezezimali liyahlukahluka kuye ngolwazi lwakhe, imfundo kanye nezwe asebenza kulo. Njengezinye izikhundla eziningi, kunokuhlobana okucacile phakathi kokuhlangenwe nakho okwengeziwe kanye neholo eliphezulu.
✔️Ungaba Kanjani Umhlaziyi Wezezimali
Manje njengoba usuwazi ukuthi umsebenzi womhlaziyi wezezimali ubandakanya ini, ungahle uzibuze ukuthi yimaphi amakhono adingekayo kulesi sikhundla? Ngokusobala udinga amakhono aqinile ukuze uqale lo msebenzi. Yenza izitifiketi futhi uthole amadiploma afanelekile, isibonelo kwezezimali.
Uma ufuna ukuba ngumhlaziyi wezezimali, kufanele ucabangele imfundo yakho. Izinkampani eziningi zizofuna iziqu ku-accounting, ezezimali, noma enye inkambu ehlobene (njengezomnotho).
Amanye amathuba, njenge-internship noma ukufunda ngesipiliyoni, angase abe usizo kumhlaziyi wezezimali osemncane ofuna isikhundla sakhe sokuqala sobungcweti.
Abaqashi abaningi bakhetha noma badinga ukuthi abafake izicelo zabo babe neziqu zeziqu. Okusho ukuthi uhlelo lweMasters in Business Administration okungenani kufanele kube isinyathelo sakho esilandelayo.
Indlela engcono kakhulu yokulungiselela umsebenzi wokuba umhlaziyi wezezimali ukuthola iziqu ezithuthukile, njenge-MBA.
✔️Amakhono angaphatheki womhlaziyi wezezimali
Umhlaziyi wezezimali kulindeleke ukuthi asebenzisane nabantu abaningi ebhizinisini, ngakho-ke kubalulekile ukuba nalawa makhono athambile:
amakhono okuxhumana
Abahlaziyi bezezimali basebenza ngezihloko eziyinkimbinkimbi abanye abaphathi nabaphathi abaningi abangaziqondi. Kufanele bakwazi ukuhumusha umsebenzi wabo nezincomo kwamanye amaqembu ngendlela abangayiqonda.
Ngokufanayo, kufanele bazi ukuthi bathunyelwa kanjani ama-imeyili amafushane futhi bashaye izingcingo ukuze baxoxe ngolwazi olubalulekile lwezezimali.
Amakhono okusebenzelana nabanye
Lawa makhono ayahluka kwezokuxhumana njengoba egxile kakhulu ebudlelwaneni bokusebenza.
Njengoba abahlaziyi kufanele basebenze eqenjini, kufanele bazi ukuthi bangasebenzisana kanjani ngempumelelo futhi baqonde izimpawu ezingasho lutho ezivele zivele phakathi nomhlangano noma ingxoxo.
Amakhono okwethula
Ngemva kokuthola iziphetho mayelana nekusasa lemakethe, umhlaziyi wezezimali uzodinga ukwethula imibono yakhe kubaholi bamabhizinisi noma amakhasimende abo. Lokhu ngokuvamile kuhilela ukwenza isethulo esigcwaliswe ngalokho abakutholile.
Kubalulekile ukuthi umhlaziyi azi ukuthi angawakha kanjani amaphrezentheshini ahehayo anebhalansi yokubuka, umbhalo, nezimpawu zomlomo ezithola iphuzu lakho ngendlela emfushane.
Ikhono lenhlangano
Elinye ikhono elithambile umhlaziyi wezezimali okufanele abe nalo ukuhlela. Bazokwethulwa ngenani elikhulu ledatha engahlangani abazodinga ukuyihlunga ukuze banqume ukuthi yini ebalulekile ekuqaguleni kwabo.
Kusukela lapho, umhlaziyi kuzodingeka azi ukuthi ulwazi luhlelwa kanjani ukuze lusetshenziswe futhi lwabelane nabanye ababambiqhaza.
Isixazululo sezinkinga
Okokugcina, abahlaziyi bezezimali kumele basebenzise amakhono abo obuchwepheshe kanye ne-intuition ukuxazulula izinkinga. Kudinga ukucabanga okujulile ukuguqula imininingwane abayithola kudatha nokuhlaziya kube isenzo ngendlela yezinqumo ezisekelwe ebufakazini.
✔️ Amakhono abalulekile womhlaziyi wezezimali
Kanye nalawa makhono angaphatheki, umhlaziyi wezezimali kumele abe nokuqonda okuphathekayo kwala makhono alandelayo:
Ukuziphendulela
Nakuba abahlaziyi bezezimali behluka kochwepheshe bezezimali, basalulekwa ukuthi baqonde ezinye zezinto eziyisisekelo. Kufanele bazi kahle izitatimende zezimali, ngoba le mibhalo ibavumela ukuthi bahlole impilo yezezimali yenkampani.
Ulwazi oluqinile lwezezimali
Ngokufanayo, umhlaziyi kule ndima kufanele akwazi ukucacisa kahle ulwazi lwezezimali.
Kumele akwazi ukufunda imibiko yezezimali ukuze aqonde kangcono imakethe yokutshala izimali. Ngaphezu kwalokho, kufanele bajwayele i-jargon yezezimali kanye nezinqubo eziqondene nalo mkhakha. Ngamafuphi, kufanele abe nakho imfundo yezezimali okuqinile.
Amandla okuhlaziya aphezulu
Amakhono okuhlaziya ayikhono eliwumgogodla lomhlaziyi wezezimali. Ukuhlaziywa kufanele kukwazi ukwenza izibikezelo ezinembile kusuka kudatha yezezimali.
Kumele futhi akwazi ukubona nokuxazulula izinkinga zezimali. Ukwazi ukusebenzisa amathuluzi okuhlaziya nakho kubalulekile futhi kungasiza ukuthuthukisa ukukhiqiza kwawo.
Yenza ucwaningo
Ukwenza ucwaningo kungomunye wemisebenzi esemqoka yalesi sikhundla. Umhlaziyi kufanele azi ukuthi angalwenza kanjani ucwaningo lwakhe ngempumelelo nangempumelelo ulwazi aludingayo.
Nakuba kungase kube lula ukuthola ulwazi lomlando wenkampani, kuzodingeka futhi iseshe idatha eyengeziwe kuzigcinilwazi neminye imibiko yenkampani yangaphandle.
Imibiko ebhaliwe
Ikhono lokugcina eliphawulekayo olidingayo ukuze ube umhlaziyi wezezimali amakhono okubhala aqinile. Nakuba izinombolo ziqondisa izincomo zomhlaziyi, umhlaziyi kufanele akwazi ukubhala imibiko futhi ahumushe ulwazi ngendlela ebhaliwe kwabanye enkampanini.
✔️ Iyavala
Ekupheleni kokuhlola kwethu, umsebenzi womhlaziyi wezezimali nakanjani awusenazimfihlo zakho! Sikhanyisela ngemishini yayo yophenyo yenkampani, umphumela wokukhiqizwa kwezincomo zokutshalwa kwezimali, kanye namakhono anemininingwane adingekayo.
Impela, lo msebenzi udinga ukulangazelela izinombolo kanye nokuthanda ukucacisa ulwazi oluyinkimbinkimbi. Kodwa abahlaziyi futhi bayazuza ekukhuthazeni ubuhlakani obungapheli kanye nendawo yobungcweti bezinga eliphezulu enhliziyweni yezezimali. Kwanele ukujabulisa izingqondo ezihlakaniphe kakhulu nezinelukuluku!
Ngakho-ke, ulingeka i-adventure yokufaka imvunulo yomhlaziyi wezezimali? Okufanele ukwenze nje ukulola amakhono akho okuhlaziya, uthuthukise amakhono akho e-Excel, bese uphuma uyodalula amagugu emakethe yamasheya kubatshalizimali! Kujabulele ukuphenya!
Uma ufuna ukuphumelela kwezamabhizinisi, ke nakhu ukuqeqeshwa engangikuthanda kakhulu ngesikhathi ngiqala ku-inthanethi. Ngiyincoma nakuwe.
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