Malo okhala ndi bizinesi yosinthana

Malo okhala pamsonkhanowu amaimira malipiro pakati pa ogulitsa katundu (ogwira ntchito) ndi olipirira, zomwe zimaperekedwa ndi malipiro ochepa. Kukhalitsa kwa chiwonetsero ichi kumaperekedwa ndi chikalata chapadera - cholembera.

Kuwerengera koteroko ndi chimodzi mwa mitundu yosakhala ndi ndalama zomwe zimakhala ndi chuma chamsika. Kugulitsa ndi ngongole kumayendetsedwa ndi lamulo lapadera la kusinthanitsa malamulo.

Kwa nthawi yaitali, cholembera chinkagwiritsidwa ntchito ngati cholembera. Komabe, lero mawu awa adapeza tanthauzo latsopano. Ndalama zamakono zamakono ndizolembedwa zolembedwa molingana ndi mawonekedwe omwe adakhazikitsidwa ndi lamulo lomwe linavomerezedwa mu June 1930 ndi Msonkhano wa Geneva. Kwenikweni, ngongole ndizolemba ngongole yolemba ngongole (mwiniwake) ufulu wakufunsira malipiro ndi wobwereketsa ndalama zomwe zafotokozedwa mu chikalatacho.

Pali ngongole zosavuta komanso zosinthika. Zowonongeka ndizofunikira kuti asamalire kadayala kake pa nthawi. Ngongole zoterozo sizingasamalire kwa anthu ena. Ngati ngongole imasinthidwa, ndizotheka kusamutsira ndalama kwa wobwereketsayo mwa kuwatenga kuchokera kwa wobwereketsa. Pogwiritsa ntchitoyi, kulembedwa kwapadera n'kofunika.

Masiku ano njira yowalandirira ndibanki. Mawerengedwe a Bill akuphatikizidwa kutenga nawo mbali kumalonda onse ndi kugwiritsa ntchito mabungwe a mabanki. Mwa kuyankhula kwina, ngongole ziyenera kusonkhanitsidwa ndi mabanki, zomwe zikutanthauza kuti ayenera kukwaniritsa malamulo a omwe ali ndi ngongole.

Mipikisano yosinthanitsa nayo ku banki iyenera kuperekedwa ndi "kusonkhanitsa" kapena "kubwezera". Motero, polemba ndalama, banki imakhala ndi udindo wopereka ngongole kwa wobwereketsayo, komanso kulandira malipiro oyenera. Pambuyo kuvomereza ngongole yobwezeretsa, banki imatumiza mabungwe ku ofesi ya banki kumalo a malipiro, panthawi imodzimodziyo kuwuza wobwezera za kulandira zikalata ndi zochitika. BANKI ikalandira malipirowo, ndalamazo zimalandiridwa ku akaunti ya munthu amene ali ndi kasitomalayo ndi chidziwitso chakumapeto kwa lamuloli.

Mipikisano yotsatsa ndalama imakhazikitsidwa potsatira maziko a malipiro, omwe akukhazikitsidwa payekha malingana ndi mtundu wa malonda, chikhalidwe cha mgwirizano wa wogulitsa ndi wogula, ndi zina zotero. Malamulo angakhazikitsidwe tsiku linalake (chiwerengero chawonetsedwa), pa nthawi yeniyeni kuchokera pa tsiku lolemba chikalata, kwa nthawi "musanayambe kuwonetsera" komanso kwa nthawi inayake (malipiro ayenera kupangidwa pasanathe ora lomwe lafotokozedwa mu chikalata).

Pogwiritsira ntchito ndalama za banki, pamene malipiro amapangidwa ndi bili, wogula ndalama amapereka malipiro a ndalama (peresenti ya ndalamazo), ndipo amapereka ndalama zonse kuti atumize zikalata komanso ndalama zothandizira ngongole. Komabe, kwa kasitomala njirayi ikuthandizira, popeza imalola kuti mabanki azikhala ndi udindo wolemba malipiro a nthawi yolipirira malipiro ndikupereka ndalama zowonjezera ndi zodalirika kuchokera kwa okhomera.

Misonkho ili (pafupifupi pafupifupi zonse) chitetezo chenicheni, kotero si njira yokhayo yobwezera. Zili zobisika zomwe zimavomerezedwa ngati zothandizira.

Malangizo omwe amalembedwa pamasewerowa amakhala okhudzidwa (amalephera kulipira ngongole, koma chiwongoladzanja) ndi kuchotsera (kuchotsera pa ndalama kumatanthauza kuti chilembacho chimasiyanitsa pakati pa mtengo wogulitsa ndi kubwezera).

Kuwerengera kwa ngongole kumachitidwa molingana ndi mitundu yawo, mabungwe ogulitsa, ndalama za mapepala, mawu omwe akuyenera kuti athetsedwe ndi zolemba zolembera. Zolemba zomwe zikuwonetserana malonda ndi bili zimasiyanasiyana ndi debit ndi ngongole, malingana ndi mtundu wa malonda. Mwachitsanzo, pamene mutenga gawo lachitatu, mutumize D58.2, K78 yatha, polipira ngongole - D76, K51 ndi zina zotero.