Financial guta - chii ichi?

In upfumi guru ichinzi pfuma muviri kana zviri pamutemo munhu, runoratidzwa mari mazwi (dzimwe nguva ari chinhu). Raishandiswawo pfuma iyi dzakawanda:

• In pachedu zvinangwa.
• Kuti tichengetedze (kuzviwanira Antiques kana zvinhu zvoumbozha).
• To kuwanda.

Kukura izwi

Financial (mari) guta iri kuwana kwezvoupfumi upenyu, iro rinoumbwa mari (mari zviridzwa uye mari uye asiri mari yesangano) uye panyama guta (mari inenge yashandiswa dzose nemhando zvoupfumi mabasa). Nezvoupfumi vanodudzira pfungwa "guta" nenzira dzakasiyana-siyana.

Nezvoupfumi vanodudzira pfungwa "guta" nenzira dzakasiyana-siyana. Vakawanda vavo vanodavira kuti pfungwa iyi yakakura zvikuru kupfuura chete 'mari'. Somuenzaniso, Smith munguva guta sezvo imwe wemari mari uye zvinhu. Ricardo anoenderera mberi. Achidudzira guru sezvo zvinhu kuchengeterwa mari kugadzirwa. Panguva iyoyowo anotenda kuti kuwedzera mutengo guru kunogona kuva zvakaoma. Fisher Capital Economist anodudzira sezvo pakusikwa mabasa kuti kuumba zvisingabatsiri.

Somugumisiro, mari mamiriro guru - ndiyo imwe yakawanda upfumi, vakaratidza pfungwa, zvechokwadi uye zvemari nezvaanogona, dzinoshandiswa kuwedzera uwandu kwenhumbi anobudiswa.

Capital nekurangarira dzidziso, vakaziva yose mari inenge yashandiswa iri yesangano iri sangano kana kambani.

Mazuva ano pfungwa yematemu zvoupfumi guru zvemari rakakamurwa kuva chikonzero, chinoratidzwa muchimiro dzakachenjera zvikuru uye zvechokwadi, uye mari (zvemari), runoratidzwa mari uye asiri mari yesangano uye kuchengetedzeka.

Modern nezvoupfumi chandagwinyira kumwe guru - munhu. Anova nokuda mupiro kuti utano uye dzidzo revashandi vanoumba basa pfuma zvavakanga vachida kuita.

The pfungwa

Financial guta - imwe mari uye asiri mari zvinoreva kuti mabhizimisi vari bhizimisi mumabhizimisi. Production zviri kudiwa kwete chete guta zvokunyama. Kunyanya nyaya dziri mari uye asiri mari achishandisa kwenguva vakashandisa mukurima. Ivo vanofanira kubereka zvinhu guru.

Household kana sangano haisi kushandisa zvichizoita mari kuti uno zvinodiwa azere, ndiponese vamwe mari. Vanouya kuburikidza misika zvemari mune upfumi kana mamwe masangano kuti kuzvishandisa kutenga nhumbi guru. Saka ipapo inivhesitimendi. The boka, iyo vakashandisa guta chakasimba vanorichengeta, kubhadhara mubereko zvikwereti. Ichi chikamu muzana mutengo guru zvemari.

In dzezvoupfumi, zvinofungidzirwa kuti misika yemari vari zvakakwana makwikwi. Izvi zvinoreva kuti hapana savers kana kambani kugamuchira mari, haana kukwanisa kukanganisa mwero kufarira nokuda namamiriro uwandu paakapiwa mari kana kuchinja kudiwa. Saka isostatic musika mwero kufarira mukufamba akanaka makwikwi uye vanoita, uye savers-yemakambani.

Kudiwa guta rwemari - zviri novimba mubereko muripo mubhizimisi. The muripo dererei, chikuru bhuku upfumi. Kuwanda vaitaura kubva yemakambani-savers, zvakare, ndiyo novimba mubereko muripo; mukuru ndiye, ari kumusoro uwandu nemari.

Zviri guta zvemari

Financial guta rinozivikanwa zviridzwa zvemari uye mari uye asiri mari mari. Muchiitiko chino, magwaro anokosha ari muchikwata che guta zvemari zvakazara kuzivikanwa. Cash uye asiri mari zvinoreva hazvigoni zvachose sechinhu akadaro. Kuti mari guta musafunga mari romugove mumaoko vagari venyika, panguva tikiti dzemapazi makambani siyana uye yemakambani, uyewo Chikamu chinokosha mari iri ano zvemari nemabhangi (sezvazviri kuita kutenga uye kutengeswa kwema). Chete chikamu mari idzi, achitaurwa nevanopinda Yakabudiswa kana Pachine, anogona kuwira pasi muchikwata che "guta zvemari nemasangano." Kuti chikamu mari masangano, iro rinoshandiswa senzira mudyandigere kana inishuwarenzi mari anogona kuva migove kuti guta zvemari.

The dhayagiramu ndiyo muenzaniso dhayagiramu guru zvemari.

ezvoupfumi

Paumbwe muchikwata che "mari guru" kukonzerwa kudiwa upfumi turnover zvoupfumi. Tichitarisa muenzaniso wokufambisa ari upfumi, tinogona kuona kuti sangano kuti mutengo kuripira zvoupfumi zviwanikwa uye vakamhanya mari vakaramba mugove wayo zvavo ano munhoroondo pane nemabhengi mari, uye vamwe - hwemari zviridzwa uye deposits mune nemabhangi kuti ramangwana mari. Households uyewo -wedzera nemari uye vaite zvakasiyana-siyana vachibhadhara, kusanganisira mitero. Zvinangwa izvi, vari zvakare nyaya akazarurwa nemabhengi deposits vari kuchengetedzeka. The mamiriro, semumiriri upfumi upenyu, anoita mari mabasa, dzinopiwa nenhumbi, akaitisa nyika remittances uye Prints kuchengetedzeka kwavo. Mari, inishuwarenzi uye mudyandigere, pokuita zvoupfumi kutenderera, kuderedza ngozi yomuka mukufamba zveupfumi mabasa, apo vakabata vamwe vavo vanoshingaira nevamiririri kwechinguva dzisingafambwi.

iyezvino chaizvoizvo

In yanhasi zvoupfumi redunhu guru zvemari - iri guru chairo. Izvi imhaka yokuti kuchengetedzeka uye mari nerubatsiro iri vasapinda zvaioneka kushanda guru uye wakaiswa zvinhu.

Pano tinofanira kuona kuti havasi vose guru zvemari runoyerera kupinda chaiye. Somuenzaniso, dzimwe mhuri kunyika yezviri vamiririri iri mari vakaramba kumba. Turnover upfumi nemauto, mugove guru zvechokwadi anoshandura zvakare kupinda guta zvemari. Izvi zvinogona kuitika, semuenzaniso, nokuda zvinoderedza kuti guta yakafanira Depreciations iyo kuwa pamusoro rokubhengi. Uyezve, guta guru zvemari iri nechimwe kugara majekiseni zvemari (kufanana kutenga kuchengetedzeka). Izvi zvinoreva kuti guta zvemari inoshanda zvakafanana nemari chairo.

Form mari

Sezvo zviri pachena kubva apa, guta guru mari - ndiyo nhamba mari yacho sangano, riri shure uye kunounza zvimwe mari. Kureva kuti waenda uye (kana) paakapiwa pfuma nechinangwa rokuita purofiti. Guta guru wezvemari zvebhizimisi - ichi kunobva pairi rokusika uye kukudziridza sangano. Rinopa tsanangudzo mukuru guru kukosha zvebhizimisi mari muchimiro dzisingaiti uye zvaioneka zvinhu uye inivhesitimendi.

In nedanho guta iri rubatso pamusoro zvinodiwa sangano uye hurumende. Saka chikuru chinhu mari kurapa sangano, uye Finance Department mamaneja vanofanira kutevera yakakwirira kunyatsoshanda kushandiswa kwayo.

Zviratidzo guta zvemari

Mari uye guru vari zvinodyidzana. On hwaro ichi govera zvimwe zviratidzo sangano rezvemari guru.

chishongedzo

Pano guta yakasiyana yavo uye rakumbirwa. On zvakarurama kunogona kutongwa pamusoro zvinonyatsorehwa kukosha zvebhizimisi mari (izvo pasi kodzero vaiva ebhizimusi). Chinosanganisira kuchengeterwa, mamwe guta mvumo uye zvabatwa zvakaoma.

Mvumo kana kugoverana guta - ndiro shoma uwandu pachake pfuma, iyo runovimbisa kuti chikwereti. saizi yaro iri waiti ari bumbiro iri sangano (zvishoma kuisa pachiyero mitemo yeUnited).

The okuwedzera guta rine revaluation surpluses pakati zvokunyama zviri zvebhizimisi, idzo nguva inopfuura gore chinobatsira upenyu. Uyewo guru iri kugamuchira repayable nokuda kukosha, huwandu akagamuchira kupfuura usingashandi kukosha rakapa kuchengetedzeka uye dzimwe dzibvise mari achawira pasi muchikwata ichi.

Reserve guta - ndiko kuunganidza mhosva vakawana akasvika kwechimbichimbi: ingangovapo kufirwa, ruregerero migove, etc. Ukuru mari hunodzorwa nemitemo ..

Financial guta - ndiyo mubereko zvebhizimisi, riri rinenge inokosha chikamu.

Vakakwereta guta - mari kana zvimwe zvinokosha kuti vanobatanidzwa iri kudzoka hwaro uvandudze yacho sangano.

ari muistisiru

Pahwaro mari kusiyanisa nokushanda ndokuinama guru.

Chikamu guru paakapiwa mu wakaiswa yesangano uye dzisiri kuitika yesangano, uye ndiyo guru huru. Financial guta zvinosanganisira hachichinjiki..

All zvaioneka uye chisingaoneki zvinhu zvaisanganisira muguta guru wezvemari sangano, vari kugara wechiGeorgian. Kubva ichi, unogona mugovane pamusoro nzvimbo fomu iri inotevera ose muchichinjana. mari iyi, zvibereko uye chinokosha.

Monetary chimiro - zviri ive mubhizimisi. Zvakabatanidzwa vanogona kuva vari extra- uye iyezvino zvinhu. Chero zvazvingava, vanopinda imwe zvibereko chimiro.

Panguva kugadzirwa rwakazara guru achipinda chimiro nhumbi (mabasa, services).

Wechitatu uye mukunopera - the chinokosha-guru kuva mari kubudikidza kutengeswa kwenhumbi (mabasa kana mabasa).

Parallel kuti fambisa guru izvi anoshandura kukosha kwayo.

Financial Wealth Management

basa iri kazhinji riri chekambani utariri dhipatimendi uye nzira kubata Rwako zvavo zvemari. Kuti izvi zvidaro, sangano refu-refu uye anofanira kuumbwa pfupi fiscal negwaro. The chikuru mirayiridzo kwayo kunofanira kuva kukwezva uye yakarurama kuparadzirwa Rwako zvemari.

Financial Wealth Management chakagadzirirwa kugadzirisa zvimwe zvinetso dzinokosha.

1. Kutsunga rationally zvaida kukura zvakarurama guru.
2. Kukwezva (kana zvakakodzera) ari undistributed mari kana nyaya migove kuwedzera zvakarurama guru.
3. Pfungwa yokuti uye nokuurayiwa pamusoro dividend nomutemo uye maumbirwo dovypuska migove.

Kukura mari mutemo kunoitika mumatanho dzakawanda.