La chikwereti mutemo ibhenefiti iyo munhu wese anogona kuwana serubatsiro munguva yekushaiwa, inoda kuziva mashandiro ayo, maitiro ekushandisa, kukosha uye mamwe mapoinzi ayo achatsanangurwa mune inotevera chinyorwa.
Chishandiso chekushandisa nekukurumidza nevatengi vako
Chii chinonzi mutemo wechikwereti?
Mukuwirirana nei chii chinonzi kiredhiti mutemo Icho chishandiso chekufambisa zvemari umo sangano rebhangi rinopa kambani mukana wekuwana chikwereti, ine muganhu pamutengo uye nguva yenguva yekukanzurwa kwayo. Kana zvichinge zvichiratidzwa kuti chirongwa chechikwereti chii, chirevo hachiitwe kune chikwereti, nekuti iwo akasiyana mabasa emari.
Paunenge uchitaura nezvemutemo wechikwereti, ndiko kutaura nezvekuva nemari inokurumidza apo chibvumirano chekuishandisa uye kana iwe uchida kudzosera, zvinogona kuitwa pakati pekufamba kweakaunti uye kubvumirana kwekubhadhara kwegore kana kupfuura; nepo chikwereti chine mamiriro akasiyana emutengo chaiwo wemhando yakakura, ine nguva dzakatarwa dzinosvika makore makumi maviri.
Chikwereti kana chinonziwo kiredhiti chimiro chiitiko chemari umo mutengi (mukweretesi) anotora chikwereti chemari yakatarwa kune mumwe munhu (mukwereti) kana kubhangi pakati pevamwe vanokweretesa; mukweretesi anozvipira kudzorera mari yakakumbirwa uye inosanganisira kubviswa kwechibereko chakagadzirwa, inishuwarenzi uye zvimwe zvinodhura zvinotangwa pakati pekutaurirana.
Sangano rebhangi, mushure mekuita maverengero eakaunti, rinobvumira kuwanikwa kwehuwandu hwemari, iyo inogona kushandiswa chete kusvika kumuganhu iwoyo; Kubva panguva iyoyo, zvese zviri zviviri mubereko weiyo chiyero chiyero uye chiyero chemari inotenderwa zvichabviswa. Aya maitiro akabatanidzwa kuburikidza neakaundi yazvino, inonziwo kiredhiti account.
Ichi chishandiso chemari chakakodzera kukwanisa kuvhara marudzi ese ezvisungo kana kudiwa kwemari zvese munguva pfupi uye yepakati; kubhadhara mubereko kunogona kuitwa pakota, uchishandisa iyo yakatarwa muzana paavhareji mukwereti huwandu hwenguva yakatarwa; pachiitiko ichi chii chinoenderana nemari yechikwereti uko makomisheni akasiyana anogona kubva kune isingafungidzirwe mhindu.
Izvo zvinodikanwa kutarisa rudzi urwu rwechikwereti kuitira kuti pasave nekunyanyisa mukuita, asi kana izvi zvakawandisa zvichivimbiswa nesangano, kufarira pachikwereti kunowanzo kuve kwakakwira.
Mabhengi masangano anopa zvishandiso zvakasiyana kugadzirisa mamiriro ehupfumi emasangano kana vanhu.
Kana iwe uchida kuziva zvakawanda nezve zvisungo zvehupfumi zvinopihwa nemabhangi, tinokurudzira kuti uverenge chinyorwa chedu pa Zvikwereti zvebhangi.
Zvinhu zvegwara
Mumutemo wechikwereti pane zvinhu zvitatu zvakakosha zvinofanirwa kuverengerwa; Inofavourika capital kana temu, ndiyo yakanyanya kukosha inogona kuwanikwa muchikumbiro nemusiyano wenguva iyo inosiyana zvichienderana nenguva yekubhadhara, mubereko uye huwandu hwemukati hwechikwereti.
Sechinhu chechipiri, kupera, nguva yaunofanirwa kutungamira uye kudzoreredza mari; Rudzi urwu rwechikwereti harupfuuri gore rimwe chete, zvisinei, kana kambani ichiratidza mamiriro akanaka, nguva yakareba inogona kutengeswa kuitira kuti mutemo wechikwereti urambe uchishanda, saka maitiro anochengetwa gore negore.
Makomisheni uye prototypes yemubereko, zvese zviridzwa zvemari zvine komisheni uye zvinoburitsa mubereko zvine hukama kune mumwe nemumwe, iyo mutemo ine inodyidzana yekushandisa cheni muchimiro chemari.
- komisheni yekutanga; Zvinoreva huwandu hwemari yavanonyima kuti vatange kana kuvhura account yechikwereti.
- Komisheni Inowanika; kuva nekubatsirika kwekugadzirisa huwandu hwemari inobhadhariswa pachiyero chinowanzove chakaderera chemari ichashandiswa.
- Mbereko pa capital yakaderedzwa; zvishandiso zvichadzimwa necapital yakashandiswa.
- Kufarira kwakapfuura; izvo zvinoshandiswa zvinogadzirwa panguva iyo iyo yakazara mari yakabvumiranwa yakapfuura, ikomisheni yakakwira kwazvo, iwe unofanirwa kuchenjerera mune izvi.
Vanoshanda sei?
Pamberi pechikumbiro chero chechikwereti chechikwereti, zvinodikanwa kuti mutengi ave neruzivo rwekurudziro yekushandiswa kweiyo yakataurwa chiridzwa chemari, zvipingamupinyi zvavo nezvimwe; Mukati mezvikumbiro izvi uye mukushandiswa tinowana:
- Usakanganwa kuti vanogona kuve nekutanga uye kudzidza makomisheni sevakaroora.
- Mitemo yechikwereti ine account yekutarisa yakabatana, zvisinei kushandiswa kwavo kunoshanda kana kwakabatana neakaunti iyoyo nekuti zvinoenderana nemabhenefiti anopihwa nesangano rezvemari, zvichipa mukana wekugara zvakanaka kune masangano anoatungamira.
- Kushandiswa kwechimbo chemari ichi ndekwenguva pfupi, nemashoko anogona kubva pakati pemwedzi mitanhatu nemakore maviri; Zvichienderana nemaitirwo acho, anogona kugadziridzwa nekuita mumatanho enguva refu nemashoko akawedzerwa ipapo.
- Kukanzurwa kwezvido izvi kuri kwekota, pachishandiswa mubereko wakatarwa paavhareji yemhindu yechiyero chenguva yakatarwa, muchiitiko ichi izvo zvinopihwa pamari yechikwereti uye panguva imwe cheteyo makomisheni emubereko usina kudhonzwa.
- Chengetedza zvakanyanya kuitira kuti pasave nekuwedzeredza mukugona, nekuti kana vakadzidziswa vaizogamuchira epamusoro makomisheni uye hunhu hwekufarira.
Kushandiswa kwepolicy
Munguva yechikamu chekuzorora kwebhangi uye kuomerwa, mutemo wechikwereti wanga uri wekubhadhara zvinhu par kugona, uchikurudzira chikwereti chisingadikanwi kumakambani. Iye zvino makambani akamanikidzwa kushandura iyi chiyero chechikwereti chebhizinesi kune chinonzwisisika uye chinobatsira kwenguva refu; chokwadi chemari zvisungo.
Hazvikurudzirwi kushandisa mutemo kupa zvakagadziriswa midziyo, kupa nekutenga kwekombuta masisitimu, mota, nezvimwe; kupa zvido zvekutonga, semuenzaniso panguva yekukumbira mutemo wekupa mari yekuyerera kwemari, mushure mekubhadhara mihoro uye mari yevanopa; mari kana vatengi vasingabhadhare panguva yakatarwa.
zvikwereti zvemakambani
Iyo kiredhiti mutemo inoitirwa makambani epakati uye epamusoro ekukoshera zvemari ayo anokwanisa kuratidzira solvency yavo, ane akakodzera ekuwedzera garandi; Kuve nekutsetsenura kwakananga, kwakasimba nekudzidza kwenjodzi yekambani nechikamu chayo. Panyaya yekuvhara, chero kushamwaridzana nekushanda mari yechikwereti chinodiwa inogona kusarudza mutemo wechikwereti kuti ubhadhare.
Ichi chiridzwa chemari chinogona kurongwa kuburikidza nemukuru wehurumende kana kuburikidza nechibvumirano chega, zvisinei zvinokurudzirwa kuti uzviratidze pamberi peanotaridzi; Saizvozvowo, muchibvumirano chinogona kuitwa nenzira yakazaruka, nenzira iyi hazvidiwi kubatsira mushandi wepamutemo kune imwe neimwe yekuvandudzwa kwegore, kana kureva nguva yakavharwa, kuitira kuti kana mutsara wechikwereti. inopera basa ichakanzurwa saka inodiwa kuvhura mutsara mutsva.
Kuti uverenge mutengo chaiwo uye wakazara wegwaro rechikwereti, zvinhu zvese zvinotora chikamu uye kupindira zvakananga uye zvisina kunanga zvinofanirwa kuverengerwa, pamwe nemari dzavanoburitsa maererano nekuti gwaro rinodiwa kuti rinyorwe, chiyero chemubereko, muchiitiko chekuvandudzwa, pakati pezvimwe zvakasiyana-siyana zvinogona kubuda zvichienderana nemhosva.
Makambani ese anoita chirongwa chekuongorora hurongwa hwavo hwehupfumi uye chokwadi chemari kuitira kuti vatore matanho kana paine dambudziko.Tinokurudzira kuti uverenge nezve chirongwa chemari chekambani.
Kukosha
Ichi chiridzwa chemari chinokutendera kuti uende kune chero chiitiko chaicho nemutengo wakaderera uchienzaniswa nezvikwereti zvako; Nenzira imwecheteyo, ivo havatakuri chikwereti nekuti havana muganho wepamusoro wekuunganidza unogona kuunza kudzvanywa nekufamba kwenguva.
Bangi rebhanga rinoongorora mafambisirwo ehupfumi hwekambani kuti ikwanise kuverenga komisheni inoenderana nekukanzura kuti ienzanise nevimbiso yakapihwa kuti idzoserwe kana kuti kwete. Imwe nzira ndiyo kiredhiti isingaburitse mubereko, sezvo chete mari iripo uye mari shoma yemwedzi kana kota, iyo inoenderana ne0,02%, inobhadharwa.
Basa rerudzi urwu rwemutemo rakafanana nerecheki account, richibvumira kupinda uye kubuda kwemari kana zvakakodzera. Kuipa kweiyi prototype yekubatsirwa kwemari ndeyekufarira kwakanyanya kwainoburitsa kana chigadzirwa chikashandiswa zvisirizvo; vazhinji vanoikumbira kuti inakidzwe asi hazvitore nguva vasati vada kuvaendesa.
