Konke odinga ukukwazi mayelana nesiqinisekiso sasebhange

Siyakwamukela kulesi sihloko esiphelele isiqinisekiso sasebhange. Noma ngabe ungusomabhizinisi, umphakeli noma ufuna ukwazi okwengeziwe ngalesi sihloko, ufike endaweni efanele. Iziqinisekiso zebhange zingamathuluzi ezezimali abalulekile ahlinzeka ngokuvikeleka nokuvikeleka emisebenzini yebhizinisi.

Kulesi sihloko, sizohlola ngokuningiliziwe ukuthi siyini isiqinisekiso sasebhange, ukuthi sisebenza kanjani kanye nezinhlobo ezahlukene zeziqinisekiso ezikhona. Sizohlola futhi ubuhle nobubi zokusetshenziswa kweziqinisekiso zasebhange, kanye nezimo ezivame ukusetshenziswa kuzo.

Ukuthi ufuna ukuqonda ukuthi usithola kanjani isiqinisekiso sasebhange, ungasisebenzisa kanjani emisebenzini yakho yebhizinisi noma wandise ulwazi lwakho ngale ndaba, sihlanganise lonke ulwazi oludingayo.

Kodwa ngaphambi kokuthi uqale, nansi ukuqeqeshwa kwe-premium okuzokwenza ikuvumela ukuthi wazi zonke izimfihlo zokuphumelela kuPodcast.

🥀 Siyini isiqinisekiso sasebhange?

Iziqinisekiso zebhange zisebenza a inhloso ebalulekile kumabhizinisi amancane. Ibhange, ngokukhuthala kwalo kumfakisicelo, linikeza ukwethembeka njengozakwethu osebenzayo wezohwebo kumzuzi wesiqinisekiso.

Empeleni, ibhange libeka isitembu salo sokugunyaza i-solvency yomfakisicelo, njengomuntu osayine ngokubambisana egameni lomfakisicelo mayelana nenkontileka ethile amaqembu amabili angaphandle angena kuyo.

Isibonelo, i Inkampani ye-Xyz iyimboni yendwangu esanda kusungulwa efuna ukuthenga izinto zokusetshenziswa zendwangu zama-Rs.1 crore. Umphakeli wezinto ezingavuthiwe udinga ukuthi Inkampani ye-Xyz inikeza isiqinisekiso sasebhange sokukhokhela izinkokhelo ngaphambi kokuthumela impahla eluhlaza ku inkampani Xyz.

Inkampani ye-Xyz icela futhi ithola isiqinisekiso esikhungweni sezikweletu esigcina ama-akhawunti ayo emali. Ibhange empeleni lisayina ngokubambisana isivumelwano sokuthenga nomthengisi. Uma i-Xyz Company ihluleka ukukhokha, umphakeli angayithola ebhange.

🥀 Izinhlobo zeziqinisekiso zasebhange

Isiqinisekiso sasebhange esesamba esithile nesikhathi esinqunywe kusengaphambili. Ibonisa ngokucacile izimo lapho isiqinisekiso sisebenza khona kwinkontileka. Isiqinisekiso sasebhange singaba ngokwezezimali noma sisekelwe ekusebenzeni.

✔️ Isiqinisekiso sezimali

Lezi ziqinisekiso ngokuvamile zikhishwa esikhundleni sediphozithi yezokuphepha. Ezinye izinkontileka zingadinga ukuzibophezela kwezezimali kumthengi njengediphozithi yesibambiso. Ezimweni ezinjalo, esikhundleni sokufaka imali, umthengi anganikeza umdayisi isiqinisekiso sebhange lezezimali esivumela umdayisi ukuthi anxeshezelwe uma kwenzeka ukulahlekelwa.

✔️ Isiqinisekiso sokusebenza

Lezi ziqinisekiso zikhishelwa ukwenziwa kwenkontileka noma a isibopho. Uma kwenzeka ukungasebenzi, ukungasebenzi noma ukusebenza okufushane kwenkontileka, ukulahlekelwa komzuzi kuzonxeshezelwa yibhange.

ngoba iziqinisekiso zebhange langaphandle, njengezimo zamazwe omhlaba zokuthekelisa, kungase kube nenkampani yesine - ibhange lokuxhumana elisebenza ezweni elihlala ohlomulayo.

🥀 Isibonelo somhlaba wangempela

Ukuze uthole isibonelo esiphathekayo, cabanga ngomkhiqizi omkhulu wezinto zezolimo. Nakuba umkhiqizi engase abe nabahlinzeki ezindaweni eziningi, ngokuvamile kungcono ukuba nabahlinzeki bendawo bezingxenye ezibalulekile, kokubili ngenxa yokufinyeleleka nezizathu zezindleko zokuhamba.

Ngakho-ke, bangase bafise ukungena kwinkontileka neshabhu elincane lensimbi elisendaweni efanayo yezimboni. Ngenxa yokuthi umphakeli omncane akaziwa, inkampani enkulu izodinga ukuthi umphakeli athole isiqinisekiso sasebhange ngaphambi kokungena kwinkontileka $ 300 000 izingxenye zomshini.

Uma umdayisi omncane ethola isiqinisekiso sasebhange, inkampani enkulu izongena esivumelwaneni nomthengisi. Kuleli qophelo, inkampani ingakhokha imali $ 300 000 kusengaphambili, kuqondwa ukuthi umdayisi kufanele alethe izingxenye okuvunyelwene ngazo ngonyaka olandelayo.

Uma umdayisi engakwazi ukwenza njalo, umkhiqizi wempahla yasepulazini angase afune ebhange noma yikuphi ukulahlekelwa okuwumphumela wokwephula komthengisi imibandela yenkontileka.

Ngenxa yesiqinisekiso sasebhange, umkhiqizi omkhulu wemishini yezolimo angafinyeza futhi enze lula uchungechunge lwakhe lokuhlinzeka ngaphandle kokubeka engcupheni isimo sakhe sezezimali.

🥀 Isiqinisekiso sasebhange sibiza malini?

Ngokuvamile, izinkokhelo ze-GB zisekelwe engcupheni ecatshangwa ibhange ekuthengiseni ngakunye. Isibonelo, sicabanga ukuthi i-GB yezezimali ithatha izingozi eziningi kune-GB yokusebenza.

Ngakho-ke, ikhomishini yezezimali ye-GB izoba phezulu kunekhomishini ekhokhiswa ukusebenza kwe-GB. Ngokuya ngohlobo lwe-GB, izinkokhelo ngokuvamile zikhokhiswa njalo ngekota ku- Inani le-GB lika-0,75% noma u-0,50% ngesikhathi sokuqinisekisa se-GB.

Ngaphandle kwalokhu, ibhange lingase futhi likhokhise imali yokucubungula isicelo, imali yokubhala imibhalo, kanye nemali yokucubungula. Kwezinye izimo, ibhange lidinga idiphozithi kumfakisicelo walo, okuvamise ukuba ngu-100% yenani le-GB.

🥀 Umehluko phakathi kwesiqinisekiso sasebhange kanye nencwadi yesikweletu

Incwadi Yokukweleta idokhumenti yezezimali ebeka isibopho ebhange ukuthi likhokhele ohlomulayo lapho seliqedele izinsizakalo ezithile njengoba kudingwa ngumfakisicelo. I-LC i ekhishwe yibhange lapho umthengi ecela ibhange lakhe ukuthi likhokhele umdayisi lapho lithola izimpahla noma amasevisi athile.

Ibhange lizophinde libuyise inani elikhokhiwe kumthengi kanye nezimali ezidingekayo. Ngakolunye uhlangothi, ngaphansi kwe-GB, ibhange libophezelekile kuphela ukukhokha umuntu wesithathu uma umfakisicelo engayikhokhi ingxenye yesithathu noma engafezi izibopho ezihlinzekwe kwinkontileka.

I-GB isetshenziselwa umshuwalense wokulahlekelwa noma ukulimala ngenxa yokungasebenzi komunye umuntu kunkontileka. I-LC ivamise ukuqondwa kabi njenge-GB njengoba yabelana ngezici ezithile ezijwayelekile. Bobabili badlala indima ebalulekile kwezezimali zezohwebo lapho abathintekayo bebhizinisi bengakaqali ubudlelwano bebhizinisi.

Nokho, kunomehluko omningi phakathi kwe-LC ne-GB. Umehluko omkhulu phakathi kwencwadi yesikweletu nesiqinisekiso sasebhange umi kanje:

✔️ Nature

I-LC iyisibopho esamukelwe yibhange sokwenza inkokhelo kumzuzi uma amasevisi athile enziwa. I-GB iyisiqinisekiso esinikezwa yibhange kumzuzi ukuthi enze inkokhelo ethile uma umfakisicelo ehluleka ukukhokha.

✔️ Isibopho esiyinhloko

Ku-LC, ibhange ligcina isibopho esiyinhloko sokwenza inkokhelo futhi kamuva iqoqe okufanayo ekhasimendeni. Nge-GB, ibhange lithembisa ukukhokha kuphela uma kwenzeka ikhasimende libhalile.

✔️ yokukhokha

Nge-LC, iBhangengodla lenza inkokhelo kumzuzi ngesikhathi esifanele. Asikho isidingo sokulinda kuze kube nesici esizokwenziwa yikhasimende. Nge-GB, kulapho ikhasimende lihluleka ukukhokha imali eya kumzuzi lapho ibhange lenza khona inkokhelo.

✔️ Imikhuba yokusebenza

I-LC iqinisekisa ukuthi inani lizokhokhwa inqobo nje uma izinkonzo zenziwa ngokwemibandela okuvunyelwene ngayo. I-BG ithembisa ukunxephezela ukulahlekelwa uma ummangali engahlangabezani nemibandela eshiwo.

✔️ Inani lamaqembu abandakanyekayo

Kunamaqembu amaningana ahilelekile encwadini yesikweletu. Ibhange elikhipha i-LC, iklayenti lalo, ohlomulayo (inkampani yesithathu) kanye nebhange elilulekayo. Ngokwengqikithi ye-GB, kunezinhlangothi ezintathu kuphela ezihilelekile: osebenza ngebhange, iklayenti lakhe kanye nomzuzi (inkampani yesithathu).

✔️ Ukuhambisana

Ngokuvamile, i-LC ifaneleka kakhulu lapho ingenisa futhi ithekelisa izimpahla namasevisi. Ngakolunye uhlangothi i-GB ifanele konke ukuthengiselana kwezentengiso noma komuntu siqu.

✔️ Ubungozi

Nge-LC, ibhange lithatha ingozi enkulu kunekhasimende. Ngakolunye uhlangothi, nge-GB ikhasimende lithatha ingozi enkulu.

🥀 Izinzuzo zeziqinisekiso zasebhange

Iziqinisekiso zebhange zinikeza izinzuzo ezimbalwa kumaqembu abandakanyekayo ekuhwebeni kwezentengiso. Nazi ezinye zezinzuzo ezibalulekile zeziqinisekiso zebhange:

✔️ Ukuphepha kwezezimali

Iziqinisekiso zebhange zinikeza ukuvikeleka kwezezimali kubazuzi besiqinisekiso, ngokuvamile abahlinzeki noma ababolekisi. Banesiqiniseko sokuthi izinkokhelo zabo zizokwenziwa, ngisho noma okweletayo engazihloniphi izibopho zabo zenkontileka. Lokhu kunciphisa ubungozi obuhlobene nokuthengiselana kwebhizinisi futhi kwakha ukwethembana phakathi kwezinhlangothi.

✔️ Ukwenyuka ukuzethemba

Iziqinisekiso zebhange zakha ukwethembana phakathi kwezinhlangothi ezithintekayo ekuhwebeni. Ohlomulayo unesiqiniseko sokuthi inkokhelo izokhokhwa yibhange elikhiphayo, elingase likhuthaze abahlinzeki ukuba bamukele imigomo yezohwebo evumayo noma bazibophezele ezinkontilekeni zesikhathi eside.

✔️ Ukugqugquzela ukuthengiselana kwamanye amazwe

Iziqinisekiso zebhange ziwusizo ikakhulukazi emisebenzini yamazwe ngamazwe, lapho ubungozi nokungaqiniseki kungase kuphakame. Avumela amaqembu ukuthi anqobe izithiyo ezihlobene nebanga, umehluko wokulawula kanye nobungozi bezepolitiki, ahlinzeke ngokuvikeleka okuqinile kwezezimali.

✔️ Ukuguquguquka kweziqinisekiso

Iziqinisekiso zebhange zingashintshwa ukuze zihambisane nezidingo ezithile zomsebenzi ngamunye. Kunezinhlobo ezahlukene zeziqinisekiso, njengeziqinisekiso zokukhokha, ithenda noma ukusebenza. Lokhu kuvumela abathintekayo ukuthi bakhethe isiqinisekiso esivumelana kangcono nesimo sabo futhi baxoxisane ngemibandela evuna.

Ukufinyelela kusikweletu

Iziqinisekiso zebhange zingenza kube lula ukufinyelela kusikweletu samabhizinisi. Ngokunikeza isiqinisekiso sezezimali ebhange, ibhizinisi lingathola imali mboleko noma imigqa yezikweletu ngemibandela evumayo. Lokhu kungasiza ukuxhasa ukukhula kwebhizinisi noma ukuhlangabezana nezinye izidingo zezimali.

🥀 Ukungalungi kweziqinisekiso zebhange

Nakuba iziqinisekiso zebhange zinikeza izinzuzo ezibalulekile, kubalulekile futhi ukucabangela ukonakala okungaba khona. Nakhu okunye okungalungile kweziqinisekiso zebhange:

✔️ Izindleko zezimali

Iziqinisekiso zebhange zingase ziphumele ezindlekweni zezimali zomnikezi. Ngokuvamile amabhange akhokhisa imali ukuze akhiphe futhi agcine isiqinisekiso, okungaba izindleko ezengeziwe zebhizinisi.

Ukwengeza, amabhange angase adinge isibambiso noma amadiphozithi emali ukuze akhiphe isiqinisekiso, esingase sibophe izimali.

✔️ Ukuzibophezela kwezezimali

Uma ibhange likhipha isiqinisekiso, lenza isibopho sezezimali sokwenza inkokhelo esimweni lapho okweletayo engathobeli izibopho zenkontileka. Lokhu kungase kubonise ingozi yebhange, njengoba kufanele lilungele ukuhlonipha isiqinisekiso, ngisho noma umkweletu engakwazi ukubuyisela inani eliqinisekisiwe.

Lokhu kungase kuthinte ikhono lebhange lokwenza ezinye izikweletu noma ukunikeza ezinye izinsizakalo zezezimali.

✔️ Izidingo eziyinkimbinkimbi kanye nemibhalo

Iziqinisekiso zebhange ngokuvamile zihlanganisa izinqubo eziyinkimbinkimbi kanye nezidingo eziqinile zamadokhumentari.

Izinhlangothi ezithintekayo kufanele zihambisane nezinqubo ezithile zebhange elikhiphayo, okungase kudinge isikhathi esengeziwe nezinsiza. Ukwengeza, amaphutha noma ukweqiwa kumadokhumenti kungase kubangele ukubambezeleka kwewaranti noma ukungasebenzi.

✔️ Ukulinganiselwa kwendawo

Iziqinisekiso zebhange zingakhawulwa ngokwendawo. Amanye amabhange angase angakhiphi iziqinisekiso zezifunda ezithile noma amazwe athathwa njengengcuphe ephezulu. Lokhu kungase kukhawulele izinketho ezitholakalayo kumabhizinisi asebenza kulezi zifunda.

✔️ Ukuncika ebhange elikhiphayo

Abahlomuli besiqinisekiso sasebhange bavame ukuncika emandleni nedumela lebhange elikhiphayo. Uma ibhange lihlangabezana nezinkinga zezezimali noma isithunzi salo sonakaliswa, lokhu kungase kuthinte ukwethenjwa kwesiqinisekiso kanye nekhono lomzuzi lokuthola inkokhelo ethenjisiwe.

Kubalulekile ukukala ngokucophelela izinzuzo kanye nobubi beziqinisekiso zasebhange ngaphambi kokuthatha isinqumo sokuzisebenzisa ekuhwebeni kwebhizinisi okuthile.