Mawu ndi ndalama aggregates

Mu zachuma ano akaphatikiza ndalama amaonedwa monga ndalama ndi zina ndalama, zofanana ndalama okwanira. Akukhulupirira kuti aggregates ndalama ndi liquidity wa pafupi umodzi.

Pa nthawi ntchito za gulu zachuma, izo anaganiza kuti waukulu aggregates ndalama zinthu ngati zinthu zazikulu za malamulo ngongole.

Mu zachuma chimakwirira aggregates ngati ndalama, monga:

• ndalama (M0);
• chuma Financial: Cash ndalama ndi ngongole chuma, ndi madipoziti kufunika (M1);
• mawonekedwe limaphatikiza m2 - popangidwa ndi kuwonjezera M ndi mitundu yosiyanasiyana ya madipoziti lokhazikika;
• mayunitsi mtundu M3 - popangidwa ndi kuwonjezera M ndipo ambiri madipoziti lalikulu nthawi (zikalata gawo);
• aggregates kupanga L -Nsanja lonse mayunitsi, kuphatikizapo kaphatikizidwe mosachotsera katundu ndalama.

Mu amasiku ano ndi ofunika kwambiri mu dongosolo la aggregates ndalama kupeza zipangizo ngongole. Ndipo izi mwachindunji anatsimikiza mtima kufunika kukuza ntchito ngongole.

Mu nkhani za ngongole mndandanda wa ntchito ndi makhalidwe awo chuma ndiribe kubwera kugwirizana ndi. Nthawi zambiri, chimodzimodzi mbali khalidwe amatchula maina osiyana ntchito, kapena M'malo mwake, kuzindikiridwa ntchito zosiyanasiyana.

Mwachitsanzo, kuzindikiridwa ntchito m'malo zizindikiro za ndalama ndi ngongole ntchito za kufalitsidwa, monga ananena kuti milandu onse machitidwe ngongole monga kutonthozana gulu. Komabe, muyenera nadzawasankhula ntchitozo, n'zoonekeratu kuti nkhani ya ngongole ndalama (chakuti panafunika zizindikiro za ndalama) ndi mankhwala a ngongole ndalama si zofanana, ndipo zidzakhudza aggregates ndalama ndi mitundu mawu a zikuchokera awo ndi dongosolo.

Mu amakhala kufalitsidwa ntchito mabuku anafotokoza chikhalidwe zipatso za kusokonekera kwa chuma ngongole. Komabe, kugwira ntchito chuma ngongole si nthawi zonse zipatso mu chirengedwe, kuti adagawanso kubwerera, koma osati backfilled ndalama ngongole, amene sakhoza m'gulu aggregates la ndalama. Pa nkhani imeneyi, kuwonjezera pa ntchito yogawa nthunzi ayenera ndinaitanidwa ku ntchito ya zolimbikitsa kupulumutsiramo gwero, amene ali ndi udindo kwa chikhalidwe lokhalamo anthu osunga ndalama za ngongole ndi luso kulenga latsopano mtengo ngongole monga kudzikonda likukula.

Mu mabuku azachuma pali zitatu ngongole ntchito - ndi kugawa kulamulira m'malo, komanso chiwerengero cha ntchito zina kuti kudziwa mbali mwakhama ngongole ngati gawo la ndalama m'gulu aggregates la ndalama. N'chifukwa chake, pa maziko a ntchito kudziwika anapanga gulu ntchito kukhala zogwirizana ndi Kuwonjezera zatsopano ngongole: kusintha kwa likulu matalala mu kugwira ntchito ndi.

Imakhala:

• chomangira ngongole ndi chuma lonse:
• chilengedwe cha mtengo watsopano ngongole ngati mtengo kudziletsa kuwonjezera;
• chilengedwe cha ngongole njira kufalitsidwa (ngongole ndi ndalama si ngongole);
• Loan mathandizidwe ndalama zolowa (lenileni komanso masiku ano, otchedwa ngongole ndalama);
• m'malo a ndalama ndalama zolowa (ngongole ndi ndalama ngongole kubanki ndalama).

Udindo wa ngongole chifukwa cha kugwiritsa ntchito zake, adzaonetsetsa mathamangitsidwe wa kufalitsa ndalama, womwe ndi amadza zabwino aggregates ndalama.

Mfundo yomanga imeneyi chitsanzo ndi ufumu anatsimikiza ndi ntchito cholinga, mwatsatanetsatane. Ntchito gulu kuwonjezekeredwa kulenga latsopano mtengo ngongole monga kudzikonda kukulirakulira, ndipo zotsatira kumatanthauza kutembenuka likulu matalala mu kugwira ntchito ndi.