Mafunsidwe: icho chiri. Kuika ndalama, zamtengo wapatali ndi ntchito

Kusunga ndalama, ntchito zaluso ndiponso zinthu zina zofunika akhoza kuchitika m'njira zosiyanasiyana. Mmodzi wa iwo - gawo lino. ndi ndi mmene kukhazikitsa chiyani? Zimenezi bungwe, umene inakhazikitsa malinga ndi malamulo ndi riziki kuvomerezedwa zikalata natsimikiza kusamukira kusungiramo zinthu zina. Place, komanso gawo zinthu zimadalira chakuti ndi nkhani ya mgwirizano umene munthu kukhala anthu mwakuthupi komanso malamulo. Taganizirani mitundu analipo a ndondomeko imeneyi ndi kuyamba ndi anthu ambiri wamba - gawo ndalama. Kodi ndi mmene ikuchitika?

Kuika ndalama: mitundu kukhazikitsa

Pamene ndalama umasamutsidwa ku gawo la banki bungwe, kulankhula za gawo lawo. Imeneyi ndi mfundo zikuluzikulu ndi zikuphatikizapo zingapo zimene mungachite yosungirako:

• ankafuna;
• mwamsanga.

Zimene zimachitika pafupifupi zofanana unsembe wa awo kukhazikitsa, ndi kokha mawu osiyana ndi zinthu achire ndalama. Depositor adzakhala kupereka ndalama kwa nkhani mu bungwe ngongole, ndi kuti, iwonso, akupereka satifiketi gawo la ndalama mu kulemba. Chikalata otchedwa zikalata gawo. Iye akutsimikizira lamanja la munthu (a depositor) kupeza kuchuluka koyenera tidzakwatulidwa waikamo kubanki. Ngati chopereka pa tsiku kufunika, ndiye inu mupeza ndalama kumbuyo pa nthawi iliyonse pa ulaliki kwa bukuli. Accrued chidwi pa nthawi imeneyi sanataye, kotero msonkhano uwu ntchito, ngati dongosolo kutapa ndalama posachedwapa, kapena paliponse muyenera iwo.

No utumiki banki zochepa wotchuka ndi gawo mwamsanga. Kodi izi zikutanthauza chiyani? Mfundo kuti ndalama kuti adayikidwa ndi zina chisanadze anavomera pakati pa zipani ndi mayina nthawi mgwirizanowo. Nthawi imeneyi, gawo kuchuluka pa kuchitira chidwi okwera poyerekeza peresenti kufunika gawo. Komabe, kusiya ndalama pamaso akuti zimene ndi mgwirizano adzataika. M'mayiko ena, nthawi zikalata gawo akhoza kutembenuka ndi kugulitsa kwa bongo, ndipo depositors wa ngongole bungwe imfa ya chidwi. Mwambo umenewu alipo Mwachitsanzo, mu United States.

Mafunsidwe: gawo bokosi

M'njira yopapatiza, gawo ndalama kubanki akutanthauza kuti iwo amasungidwa bokosi chitetezo gawo. ndalama si ntchito ngati makasitomala a ndalama, koma kusungidwa mu bungwe ngongole. Pankhaniyi ife akudziwa chidwi accrued ndi liwiro la ndalama si. N'chifukwa kusunga ndalama khungu, ngati mungathe kuika iwo kubanki ndi kupeza nthawi yomweyo? Childs, khalidwe ntchito mu ntchito wotuluka zosiyanasiyana kuti sitingakumane ntchito yawo.

limagwirira eksrou

limagwirira Izi nthawi zambiri ntchito ngati njira yokonza kuphedwa kwa ndikupeleka pakati pa zipani. Monga ulamuliro, izi kuthetsa magawo ndi sheya zina ndi kugula / kugulitsa malo. Eksrou wothandizila amachita mudzagwiritse ufulu umene zipangizo mgwirizano pamene magulu a tichite. Mtundu wotchuka kwambiri wa limagwirira ndi eksrou gawo banki. Izi "kubwerera" ndi ndalama mu selo banki (nthawizina mu nkhani yapadera gawo).

The wogulitsa ndingakhoze kuwatengera iwo kukachitika kuti ali anamvera kwathunthu ndi zonse akuchipatala mu mgwirizano chapatatu zinthu ndikupeleka. Ngati iwo anakomana, ndalama waikamo anabwerera wogula. Zimenezi amatchedwa "chikole". Pankhaniyi, mgwirizanowo bwino limatchula zinthu zonse kamakhala kakang'ono kwambiri mwa ndikupeleka, mndandanda wa chofunika potipatsa zikalata ndi zina zotero. Pambuyo mosamala wothandizila anayendera eksrou kukwaniritsa mawu onse ndikupeleka kapena kunyamula kapena ong'ambika.

Chinthu gawo amakhala ndalama, koma pangakhale sheya, ndi zikalata, ndi ndalama si ndalama. Mu mchitidwe Russian mungachite gawo amenewa kawirikawiri ntchito.

Bank nkhokwe ndi depositing koyefishienti

mabanki malonda osati kuvomereza gawo la ndalama, komanso iwo kuwapitirira pa gawo mu banki dziko yaikulu - Bank la Russia. Iwo amatchedwa nkhokwe chofunika ndi ntchito zonse liquidity a dongosolo kubanki. amafuna malo okhazikika ndi Bank of Russia malamulo, malingana ndi mmene muyenera bwanji kukula ndi kapangidwe ka kusowa ndalama mu dziko.

Amakhala ndalama ndi banki nkhokwe ya anthu. Choyamba ndi zofunika ndalama okwanira, wachiwiri, luso polenga miyala ya dongosolo kubanki. njira imene imagwiridwa pakati njira yogawa ndi madipoziti ndalama atsimikiza depositing koyefishienti. Izo zimasonyeza zomwe mwakonda alionse okhudza kusankha mtundu wa kusunga ndalama. Kodi kuwerengera ndalama gawo? chilinganizo amaimira chiŵerengero cha kuchuluka kwa ndalama kwa madipoziti kubanki. The apamwamba chiŵerengero ichi ndi chofunika nkhokwe chiŵerengero, m'munsi kukongoza mphamvu chuma.

Mafunsidwe a mankhwala ndi kukopera

Mtundu wa gawo ngati kusamukira yosungiramo katundu, ntchito zifukwa zosiyanasiyana:

• kutsimikizira kuti analembedwa;
• patsikuli cha chirengedwe;
• kusunga mtengo wa chinthu.

Anthu a kudzinenera kulenga nthawi zambiri anakumana ndi chodabwitsa plagiarism. Kuteteza ndi kupereka umboni zopelekedwa za olemba ake akhoza analenga ndi boma mankhwala. ndondomeko umenewu umatchedwanso ndi "dipo." Iyi ndi ndondomeko yomwe ikuchitika ndi misonkhano yapadera, monga Center kwa aluntha Katundu ukatswiri Russia. The m'kaundula analowa zokhudza wolemba, komanso ntchitoyo payokha. Masamba kuperekedwa pa Kuthetsa nkani zochimwilana pakati kukopera ndi milandu.

Pamene kulembetsa ntchito wolemba amapatsidwa chitsimikizo cha boma cha ufulu wake - kalata ya gawo. Iwo akhoza kuwapeza pa mitundu zotsatirazi katundu ngati zojambula, ziboliboli, zomangamanga, mamangidwe nyimbo ndi ntchito zolembalemba, zithunzi, mapulogalamu a pakompyuta ndi zina zotero Kuti tichite zimenezi., Muyenera kupereka iwo buku, komanso mfundo zonse pa malo ndi nthawi ya chilengedwe, zokhudza wolemba ndi siginecha yake.

Njira mankhwala depositing

Mafunsidwe akhoza kukhala wophweka, momasuka ndi anachita ndi kulembetsa mu Russian Olemba 'Society. Njira yoyamba amagwirizana ndi kulanda waikamo mankhwala analengedwa mwachindunji. Iye sanali kuphunzira, koma odzaza, losindikizidwa ndi kusiyidwa mu malo abwino kwa nyengo zina. Mlembi wa kalata ya gawo, ndi tsatanetsatane mankhwala. njirayi ndi yabwino milandu pamene kuli kofunikira:

• kuonetsetsa kuteteza luso chinthu;
• atsimikizire tsiku kulembetsa ntchito (umboni kuti wakhala analenga kale kuposa kunditumiza ku mafunsidwe a).

Pa kalembera wa kukopera ndi olemba ntchito analembedwa ndi kukhazikitsa mfundo zokhudza mankhwala aluntha katundu mu kaundula limodzi. Mtundu wa gawo amapereka olimba umboni m'munsi pa kudziwika plagiarism kudzatenga ufulu wawo chopanda malire monga Mlengi.

zina gawo

Mukhoza kumva za mitundu ngati pamwamba gawo, monga chuma ndiponso zosemasema. Nthawi zambiri analipereka kwa gawo la sheya ndi zikalata. Kuti zimenezi zitheke, iwo umasamutsidwa ku depository mabanki, yachokera, nkhani zokhudza ndalama ndi mabungwe ena apadera.

Pali gawo la malamulo adziko lonse lapansi. Pankhaniyi tikulankhula za mapangano lalembedwa ndi ovomerezedwa pakati pa maboma, mabungwe a m'mayiko osiyanasiyana, ratifications, inalowa kuti panganolo, ndi zina zotero. N. Iwo (mawu awo oyambirira) tidzakwatulidwa adayikidwa ndi depositary mwa nthumwi za mgwirizano wa mayiko kapena ena ovomerezeka. Pa gawo la chida olembedwa Mphindi, amene anapanga bungwe lonse kapena dipatimenti depository wa Affairs zakunja, ndilo depositary.

Mafunsidwe mankhwala

Mawu amenewa akupezeka mankhwala. Koma pali vuto mphamvu yapadera thupi lathu. Komanso amatha kasungidwe zinthu zina ntchito zawo wotsatira pa nthawi yoyenera. Izi zikhoza kukhala mafunsidwe a magazi, mahomoni, mafuta. Iwo kanthawi amachotsedwa njira wamalonda ndi kufalitsidwa ngati pali chokwanila kwambiri kuchuluka kwa ntchito kwa thupi. akusowa mu mphindi, nkhawa, matenda ndi zina zotero. Kodi ntchito kukhalabe ndi moyo wabwinobwino.

Ndi zoipa ndi mafunsidwe - mankhwala izi kudzikundikira poizoni osiyanasiyana nyukiliya mu zimakhala anthu ndi ziwalo. Ilowa thupi ku chilengedwe ndi kupewa kugwira ntchito bwinobwino.

Pomaliza

Tafotokoza mmene gawo lili ndi chimene yonse ya njira zimachitika m'madera osiyanasiyana moyo. Kaya kuchuluka kwa ntchito mawu akuti, tinganene kuti gulu ndondomeko gawo yosungirako akuimira chinachake (ndalama, zamtengo wapatali, zinthu zolembedwa, ndi zina zotero.) Kuti ntchito ina pa zolinga zenizeni.