Kodi ndalama, kapena kuti ndalama ya malonda

Masiku ano Sindingachite popanda zonse kunachitika chofunika ndalama zolowa. Ndizosachita kunena kuti asapita chuma adzakhala boma ndi malamulo ena ndi anthu. Choncho, m'nkhani ino tidzaphunzira zambiri za yemwe ndalama ali, kodi udindo wawo unagona ndalama lonse ndi amene amadza pa vuto la zachuma amakampani zosiyanasiyana.

tanthauzo

Nthawi yomweyo, tiona kuti lero kachitidwe lonse kuti ntchito iliyonse zingamuthandize sadzalandira akule bwino, popanda kubweretsa ena kanjedza ndalama.

Choncho, amene ndi ndalama? Malinga ndi terminology anavomera, ndi munthu (mwakuthupi komanso malamulo), amene aganyali ndalama zawo zosiyanasiyana kutisokoneza ndi cholinga limodzi - kupeza phindu pazipita okha.

mchaka

Kukopa ndalama amapereka munthu mwayi kukweza ntchito yawo kuti latsopano mlingo, apamwamba. Kuwonjezera kumvetsetsa amene ndalama ayenera kudziwa kuti ndalama allocated kuti iwo nthawi zambiri ntchito yowonjezera, monga mphamvu kupanga kukulitsa luso ndi zipangizo, maphunziro ogwira, kuchita ntchito kafukufuku.

magwero a ndalama

Ndalama lero kugwira ntchito wopita, mungathe:

• bungwe banki;
• likulu ankapitabe;
• kuchokera Investor payekha.

Aliyense wa zinthu zimenezi tikambirana mwatsatanetsatane.

Choyamba, tiona kuti banki iliyonse - kusunga ndalama zambiri, koma zimenezo sizitanthauza kuti mwini adzaponya iwo mu njira zonse. Nkofunika kudziwa kuti osunga ndalama mu ndalama zawo mmene ndingathere kupewa ngozi. Kuti zimenezi zitheke, iwo kukakamiza borrowers awo amafuna okhwima kwambiri.

Mwamtheradi onse mabanki zinthu monga Investor yekha ngati khola ndalama udindo wa kampani, kuyesera kubwereka ndalama. Nthawi zambiri bungwe chuma ayenera kupereka ina kapena ngongoleyo pouza peresenti ena. Pa nthawi yomweyo osunga ndalama sitingalephere kuphunzira zolembedwa, ndipo ngati pali akukayikira pang'ono chabe za solvency ya kasitomala, nkhani ya ndalama adakana.

Kuima mu chiwerengero cha ndalama , ndalama yotereyi. Ndi chophweka njira kukopa iwo yopeza ndalama ntchito nzeru.

Nawonso ndalama payekha zotheka pamene munthu winawake amaona chidwi wake mu polojekiti zomwe ndi azindikira kuti chifukwa iye ndalama padera adzabwerera kwa phindu. Kwenikweni, chilichonse Investor amenewa amusankha payekha malinga malonda. Komabe, makasitomala adzafuna kupereka dongosolo malonda kapena kuwerengetsera luso ndi chuma pa zifukwa zimene kudzayesedwa ndi rationality mgwirizano zina pakati pa abwenzi angathe. Koma Mulimonsemo, chuma payekha kupeza mosavuta kuposa mgwirizano ndi thumba likulu banki kapena yotereyi.

sheya msika

gawo ili la padziko lonse msika ndalama amadziwikanso wodzazidwa ndi zosiyanasiyana zisudzo. Tionenso khalidwe, monga Investor ndalama. Ntchito yaikulu la munthu kapena malamulo ndi kupeza ngati kuli kotheka pogwiritsa ntchito ndalama mbiri ndi bwino mozama njira yake. Kuyang'ana pa mitundu deta ya ndalama.

• Modzikhulupirira ndalama. Iye lotengeka ndi mtima wofuna kukwaniritsa phindu pazipita. Nthawi zambiri, amaika ndalamazo watsopano, ntchito sakudziwika kwathunthu kuti yaitali kubweretsa kutchuka ndi phindu lalikulu. Pankhaniyi, chiopsezo ndi mkulu.
• Ndiwofatsa Investor. Iwo ali ndi cholinga yake yaikulu kuti phindu pa maziko a ndalama costed. Iye sanayambe chimathamangitsa pazipita, koma ndi odzipereka kwa kudalirika ndi chitetezo gawo.
• Wongolerani Investor. ndalama zake mbiri wakhala bwino pakati ulendo ndi mfundo zomveka. Nthawi zambiri, izo zifika sheya boma, magawo a odziwika ndi mabungwe khola kwambiri ndi makampani.

kugawana phindu

Mu nkhani iliyonse ali zina zabwino zake. Pa nkhani imeneyi, tisaganize kuti ndalama allocated kuti chitukuko cha ogwira ntchito kapena malonda, basi monga choncho. Onse makampani-ndalama kufunafuna yekha kuonetsetsa kuti alandire apamwamba benefiti zotheka. Ngakhale pali zitsanzo pamene wobwereka limatanthauza "akakufinyani" ndalama malipiro chidwi. Choncho, zochokera S & P 500 ndi dziko zimphona mndandanda monga Berkshire Hathaway, Google ndi apulo ndi sakonda kwambiri kugawana phindu ndi depositors zawo, ndipo zimenezi ngakhale kuti iwo akhoza kukhala patsikulo. Akatswiri amanena kuti ngati makampani izi atembenukira kwa ma sheya hoda awo amakumana ndi kuyamba kulipira ndalama zambiri, kuposa panopa, mtengo wa magawo a titans awa a msika wa umisiri watsopano chawonjezeka kwambiri.

Tikukhulupirira Nkhani imeneyi inu zinadziwika pa ndalama ndi amene ndi chifukwa iwo alipo.