Financial munataisireva: pachisara mamiriro. Munataisireva - nayo ...

Munataisireva - ndivo akavhiyiwa kuti vanoumba bhengi mari. vanokosha chaizvo zvose zvebhizimisi pakagadzwa. Chekutanga, rakavimbika chinokonzera ndiko kugadzikana Bank zvinhu, avo marongerwo uye kukura. Chechipiri, pane uwandu mari zvinokanganisawo mutengo mari. Chechitatu, mari vakaisvoipa zvinoreva anosarudza uwandu basa kwema, izvo kuunza mari kubhengi.

Pfungwa kuita kuti sangano zvemari

Chii? Pusa akavhiyiwa kuridza anokosha National kwenzanga basa: unganidza vanomboenda vakasununguka mari zvokuwedzera uye mabhizimisi, izvo uchasangana zvinodiwa upfumi dzokushanda ndokuinama guru, vaunze mari mari (mari) mu upfumi, kupa zvikwereti kune vanhu. Zveminda kubva deposits uye chikwereti kuchengetedzeka vanogona aoma kufukidza Nokurasikirwa kubva mitengo, vanogara.
Bank munataisireva ndeinotevera: mugove shoma, unotiranga, pfuma, vakanyorwa guta. Ivowo zvinosanganisira mamwe mapoka. Uyu - mamwe uye dura guru, vanoita 'pfuma, wakasara zvakaoma, mhuri deposits.

maumbirwo munataisireva

zvino tava kutendeukira kune uwane kuzviongorora kupatsanura pakati yesangano mari masangano. Bank munataisireva vakakamurwa kuva mapoka maviri.

Chokutanga - mari sangano munataisireva kuti chikwereti nemabhengi vanoita (inonzi pusa chikwereti kwema). Pano zvose zviri pachena. Maererano mashandiro ari Bank ari sezvo mukwereti, uye vatengi - zvikwereti.

Boka rechipiri rinosanganisira kwema dzichiumbwa mari yavo kuti haadi nokuripira. Pano zvakare nyore. Mune mamwe manzwi, zvakakodzera uye rakumbirwa mari.

Analysis pamusoro munataisireva mari uye zvikwereti nemasangano

Chinangwa chacho? Ongorora pemahombekombe 'munataisireva kuona nzvimbo dzavo nemamiriro paruzhinji uye masangano. Financial munataisireva anosanganisira achienzanisa zvakafanotaurwa kuita yavo patani unhu. Kana kuongorora kusiyanisa mari dzavo pakati mubhangi vakakwereta "asiri rwezvemabhengi" mari. The reshiyo inofanira kuva mukuru mumwe. Kana ichi zvazvingava dererei, mukana asiri mutsividzo kuti guta achapiwa paakapiwa ne makambani mubhangi.

Management of kupfungwa zvemari, odhita uye dzimwe nhamba, uyewo aizivikanwa zviri pamutemo vehurumende vari kuramba kuita richiona uye Kuongororwa rwezvemabhengi nemasangano munataisireva. Akakwereta mari uye nhamba yavo anosarudza chii chikamu chimwe kana mumwe sangano zvemari achatora munyika yacho rwezvemabhengi hurongwa. Kuti kuti ishande zvakanaka, zvinoenderana ichi haafaniri kupfuudza 10-11%.

Analysis Equity

Chii uye nei voitakura kunze? Analysis oga mari anogona kungatadzisa kuti chinhu kuti rwezvemabhengi musika zviri kugadzikana. Nokugara kuongorora kubhangi kuti munataisireva vanogona kuratidza zvimwe njodzi. Uye kukudziridza humwe chirongwa kuderedza navo.
Mune Kuongororwa oga mari yayo rokuongorora zvinotevera zviratidzi: simba rinomutsa, marongerwo uye Zvinoumba munataisireva, nokuenzanisa pachake mari dzayo zvakakomba uye mambure rates, uye kushandura kuwedzera guru mvumo. kuongorora zvakadaro zvinopa nzwisiso mhando pusa, tsanangudzo yakaperera yechivako chacho uye zvinoreva Anoumba Inopa. Uye anofanira kuongorora guta yayo uye rakumbirwa. Kudzidza uku pamusoro Qualitative uye quantitative maitiro. Pahwaro mashoko aya kuti vafunga pamusoro zvachinja sechivako munataisireva, kusarudza kwavo kuita pamusoro mwedzi wapera, rimwe gore, makore anoverengeka. Izvi zvinoita kuti achifanotaura nezvokuwa zvinobvira upfumi ramangwana uye nechokwadi kutsiga vachida.

Kudiwa deposits mu ano bhengi munataisireva

Current munataisireva vanomiririra mari zviyero pakupera ari kutengesa zuva pamusoro vatengi 'nyaya. residues izvi zvingava zvakasiyana uye dzinosiyana razero kuti kunonyanyisa kukosha, sezvo mamiriro ezvemari chavagari siyana uye dzichichinja. Vachifunga kuti kamwe kamwe achaita itangezve nhoroondo dzose, ruchapinda kuti kubvisa uye mamiriro yesangano iri mubhengi. Kutaura zvazviri, mukana izvi ndiko usingashandi, kubva pakuvhurwa uye dzivharwe mutengi deposits chinhu runobva murayiro. Saka, ano munataisireva - mubatanidzwa asingashumbi uye akazvimirira variables iri zvachose nyaya.

Kuchinja mari "pfupi" "refu"

Izvi zvinoitwa kurema yose rutsigiro mari "pfupi" nokuda kutsiva decommissioned kupfuma. Zvichiguma Zvakasara kana incompressible Vhoriyamu ano munataisireva kuti mabhanga anofanira ainawo avo mabasa. Chete iyi, anogona kuiswa zvachose yesangano pamwe dzose kupfuma (mambure zvinhu). Ndokusaka zviri kuchikosha kune chichiitwa replenishment kuti kuitika nhoroondo dzavo kuramba kuwedzera.

Kukwezva iyezvino munataisireva

Kana paine kuwedzera vhoriyamu mari pamusoro nemakasitoma 'nyaya, saka zvinowedzera padanho kuvimba nemabhengi, saka, pane chikonzero kuti kuwedzera mhando mabasa inopiwa kune vagari. A rinokosha iri kuridzwa ne "kure-nechiyero" kupatsanurwa zvemari uye zvikwereti masangano. Musumo pamusoro vazhinji epurasitiki makadhi uye siyana mubhadharo nehurongwa anosika zvinhu zvakanaka yokumutsa pachiyero ano munataisireva.

The Bank anonyatsoteerera kuwedzera mari iri kudiwa zvachose Mapato ose nemakasitoma (vanhu uye dzepamutemo masangano). Kuwedzera "kadhi" chirongwa, chinozoiswa siyana "muhoro", "mudyandigere" uye vamwe. Ivo, vose, vanoumba chinokosha chikamu ano munataisireva. Mumwe zvinhu guru riri sezvinotevera: zviri chinokosha zvinhu uye chisingakoshi, vachibvumira kubhangi kuti vaunze inokosha mubereko kumucheto. Mukuru "zvakachipa" zvekuvaka masangano zviri kuitika munataisireva, sezvo ivo kubatsira kuderedza mubereko prices pamusoro kukweretesa mabasa.

mhando munataisireva

Sezvo munataisireva - zviri zvakare zvinosungirwa emakambani (zvemari), izvo yakaumbwa tichiregeredza zvikwereti. Panyaya iyi, kusiyanisa pakati pfupi uye refu munataisireva, zvichienderana chikwereti nguva. Sei vakasiyana mumwe?
Current munataisireva zvinosanganisira chemhosva yemutoo wezvikwereti munguva kusvikira gore rimwe (somuenzaniso, bhengi overdraft, siyana dzaishandiswa Credits).

Refu uye kunogona kubhadharwa mukati makore mashoma (chikwereti anoreva nhema, uye-siyana zvikwereti).

Munataisireva nechiyero pepa

Munataisireva - chinhu chinokosha pachiyero pepa. Vanoratidza pakutengeserana ose Bank mari. Current kana pfupi munataisireva nechiyero jira vari pamusoro apa. Vanogona kurarama mukati chete kugadzirwa kutenderera. zvose chete pano. Saizvozvowo, refu munataisireva zviri kuitwa zvinopfuura chimwe kugadzirwa yatinofema. Midziyo uye munataisireva nechiyero jira vanofanira nguva dzose kuva nechiyero, uye musiyano Verengai kwavo - ndiwo guru (nokururama) ari muridzi wekambani. Ichi chinhu chakakosha kwazvo paakati. Akati ukoshi anogona kuratidza vamwe guru muridzi, kana paine kutengeswa ose yesangano, uye mari vachaenda abhadhare chikwereti. Nemamwe mashoko, kana pfuma - iri mhando pfuma, mari munataisireva - a guta tichiregeredza ayo inoumbwa pfuma iyi.
All midziyo uye munataisireva nechiyero Pepa kambani. Zvinonzi akaitira mumwe wainyatsotaura (kutsunga) kumwedzi.