Kuza kwenzeka ntoni imali xa emiselweyo? Imiphumo olungagqibekanga

Lo mbuzo mayela noko niya kwenzeka mboleko xa olungagqibekanga, inzala ka inani elikhulu ngokwaneleyo labantu, kwaye esona sizathu siphambili sokuba - koqoqosho lwehlabathi ezingazinzanga. Le mbono "emiselweyo" linxulunyaniswa kunyaka 1998, abezoqoqosho nje kuphela, kodwa abantu abaqhelekileyo. Xa memoirs yakhe pops kuwa le engange kunye ezishelifini ezingenanto ezivenkileni, emigceni ixesha elide ukuze ukutya. Kwibakala lehlabathi kwiminyaka engama-20 edlulileyo, zesiganeko nazo ukongeza eRashiya kumazwe amathathu nokuba: Mexico, Argentina kunye Uruguay.

Yintoni i "kungagqibekanga" ngenxa emehlweni zoqoqosho?

Xa emitsha intsingiselo yegama elithi engagqibekanga ithathwa epheleleyo ligatya nayiphi na into lomvuzo zawo nezibophelelo. Ngamanye amazwi, kwinqanaba chaza, eli lizwe ithi ngokusemthethweni ukuba ayikho imali yokuhlawula amatyala. Kukho ukuguqulwa lobugcisa isenzeko. Enyanisweni injongosenzi akanako ukuhlawula amatyala, kodwa ingxelo esemthethweni ngalo; akafuni. Kukho ifomati imeko lweziko kunye zobuqu. Imiphumo Ngokungagqibekanga kuthathwa ukuba isenzeko esibi. Noko ke, njengokuba nayo yonke imali ezinkozo, kwimeko kukho amacala HIV. Kwelinye icala, uyakwazi ukubona ukuwa kunye ukutshatyalaliswa ngokupheleleyo bonke ubuhlobo lwangaphandle uhlobo mali, yaye kwelinye - ithuba elikhethekileyo ukuqalisa imbali isimo uphuhliso ekuqaleni, kungekho naziphi na iimpazamo kunye iimpazamo.

Kwenzeka ntoni xa urhulumente uyala ukuhlawula amatyala?

ukwala karhulumente ukuhlawula ityala kuchaphazela igama lakhe nje kuphela, kodwa ugunyazisa ukuba kubekho ifuthe elibi rating zemali. Ezi nkcukacha yoqoqosho mihla umkhuba zokuboleka phantse kuwo onke amazwe ukuze ukwandisa ingeniso okanye "imingxuma" zidlulela kuhlahlo lwabiwo-mali. imarike yeentengo zemboleko ngamazwe ubonelela ukwala ukuzimela ukuba imali ilizwe ukuba unalo igama embi. Loans kule meko kungenzeka kuphela kubonelelo ukhuseleko ezifanelekileyo. Eli lizwe ongenamali phantse ulahlekelwe ngokupheleleyo inshorensi zemali.

Ukuwa lwemali kazwelonke

Uninzi ngemiphumo engagqibekanga ngenxa uphelelo usiko lwemali kazwelonke. Ixabiso lemali kuxhomekeke kwinqanaba ukuzithemba karhulumente. Ukuncitshiswa xabiso lwemali kazwelonke ikhokelela kwizithintelo ngamathuba lizwe ngaphakathi kwiimalike zehlabathi. Urhulumente uba "ihlwempu" nxamnye kwamanye amazwe. Ngokukodwa, ukuhla kwexabiso lwemali izihlandlo ezithathu iza kukhokelela kukuba kubekho ukuncipha umthamo ezithengwa yi-mali efanayo. Kwicandelo lemveliso ngokwaneleyo kunokukhokelela ukunqongophala kokutya kweli lizwe. Ngokuhambelana, kukho ukwehla kwingeniso zabemi kunye nokwehla ngentlalo nemigangatho. umsebenzi Le nkampani, ngokusekelwe apho kukho candelo ngamazwe (hardware, inkxaso-mali) kuba azincedi lutho. Ukunciphisa inani lemisebenzi kukhokelela ukwehla jikelele le meko kweli lizwe.

Kwinkqubo yogcino-nkqubo

Xa ucinga umbuzo oko kuthetha ntoni olungagqibekanga, kubalulekile ukukhumbula ukuba ngezenzeko ezingentle kwicandelo logcino. inkqubo yezimali State olusele. Ukuze uthathe ithuba iikhredithi amazwe shwaka, ityala ikhula. Wokuphelelwa kwamaziko ezininzi zemali kuba kunqandwa. Nganye iklayenti ngaseludinini ulahlekelwa imali, njengoko zonke ii-akhawunti bucutheke. Ngenxa yokuba ukukhula koqoqosho akunakwenzeka ngaphandle iinkampani ezinika mboleko, imisebenzi yorhwebo kweli lizwe oyekayo. Ukuba uthathe imali-mboleko ebhankini phantse nzima, ekubeni yokugqibela kukhawulelwe kakhulu umda imali. Ngenxa ukungathembani kwindlela yolawulo-mali kweli lizwe sehlise izinga ukuthembela tipolitiki. Ewiliko imiba ebalulekileyo kwezoqoqosho kumgangatho wamazwe ngamazwe, inzima kakhulu.

Yintoni na kokwendalo?

Xa kuvela ingxaki, kungagqibekanga kwincopho - oku kubonisa ukuba lizwe iye yazuza isixa esikhulu semali ngetyala kwaye ngoku akakwazi ukuhlawula inenzala. Ngomhla isigqibo imisebenzi karhulumente lubalaseleyo mali yaneleyo, ngoko ke isambuku mali iya ngokusetyenzwa kwetyala. Xa ilizwe ovinjwa inkxaso lwangaphandle, loo nto igxininisa ngesisombululo iingxaki zangaphakathi ngaphambili kwicandelo mali afumane inkxaso-mali. Izimvo Iingcali ziyavuma ukuba, ngenxa kwinqanaba engagqibekanga okhuphiswano koqoqosho kunye imveliso yasekhaya zanda kakhulu. Ekubeni umvuzo kunye nokuthengwa kweempahla oluqhutywa lwemali yehliswe ixabiso, kukho ukwehla kwexabiso iimpahla kunye neenkonzo abantu bangaphandle. Ukuwa amaxabiso zeempahla neenkonzo ekhokelela kuseko kwemfuno, ukwanda order ukusebenzisa i ngaphambili umthamo 'ithule ".

utshintsho mpela

Kuyenzeka ukuba ngexesha lokusilela zingafumaneka mboleko ebhankini nje kuphela bathobe inzala, njengoko iibhanki bezama ukutsala abathengi zonke iindlela ezikhoyo, isenzeko kukhokelela revolution epheleleyo kuqoqosho lweli lizwe. Wedwa evela mali lwangaphandle kunye nokungenisa ukhokela lizwe lentlalo esemgangathweni entsha, ekhuselekileyo wokuphila. Yiba ukusetyenziswa ixhaphake zasekhaya kunye imithombo mali. Ukuwa yoqoqosho utyhala imarike akabaxwa kwicandelo lezoqoqosho. Simo xa izabelo enkampani umyalelo sezingeni eliphezulu ngaphezu ixabiso yabo yokwenene, lupheliswe ngokupheleleyo. Ixabiso lokwenene ufumene ixabiso lokwenene. Nya zonke zezimali kungalingani.

zokunciphisa debt

Abantu abaninzi bayazibuza ukuba kuza kwenzeka mboleko xa emiselweyo. Akukho nto imbi eza kwenzeka. Xa siqwalasela imeko kwinqanaba likazwelonke, eli lizwe ufumana ithuba elikhethekileyo isizathu ukuqalisa ingxoxo ngokutsha kunye kwamatyala nokuncitshiswa. Nababolekisi, baqonde nokuvavanya umfanekiso kwenzeka ntoni, kaninzi yenza umnyinyiva njengomnye nethuba lokubuyela imali nje azikho. Sinokuthi kokwendalo - Eli kakhulu ithuba lokuba eli lizwe ukuba iguqule lwezoqoqosho singangumzekelo zenene lanamhlanje hlabathi.

Kuza kwenzeka ntoni ku-mboleko kwiimeko olungagqibekanga kwaye akunako ukubala?

Abantu abaninzi nje kakuhle ukuba engagqibekanga - ayikho ithuba ukuba ukuhlawula ityala lebhanki. State ngokusemthethweni Kuthiwa Ukungakwazi ukuhlawula amatyala, alumelanga isizathu sokunganikezeli lwentlawulo angahlawulwanga zemali kumaziko. Ababoleka, nangona ngemeko kurhulumente kufuneka ukuba kuqhuba ufezekisa izibophelelo zabo zebhanki. Ngaphezu koko, nakuphi na ukwaphulwa kwekhontrakthi okanye ukulibaziseka lisezantsi ziya kohlwaywa ngokona kuqatha kakhulu. Oko kuthetha ukuba, akhutshwa kwi olwandulela kubaboleki, kanye noMmeli ukuba ababetheki inshorensi mali ebhankini xa ngamaxesha obunzima. Ukuba isithuba kuphuhliso oluzinzileyo loqoqosho sakhatshwa nokubambezeleka of umnxeba esilula kunye nezilumkiso zebhanki engagqibekanga elinikiweyo uya kufuna ngokungqongqo umxhasi ukuphumeza zaso ukuya ekurhoxisweni kwenkxaso.

Kufuneka wenze ntoni kubaboleki?

Ipesenti yabantu bonke abasebenzisi ngetyala, mkhulu ngokwaneleyo. yayiyinto eqhelekileyo, xa iintsapho kubuthwala inkoliso umthwalo ngokwezimali xa inqanaba imali kuba ngaphantsi kakhulu etyala elo likhoyo. Kunye nophuhliso lwezoqoqosho izinzile yomthwalo ityala elo lizwe kodwa ke zigcinwe, kodwa ukuwa bafa emali, kuba umthwalo onzima kakhulu. Kule meko yinto esemqoka - hayi ekulibaziseni iintlawulo, kwaye hayi bandilindile ukuze elwandle yemozulu. Kufuneka uqhagamshelane ngokukhawuleza neziko zemali ecela on-yokubolekisa okanye ngokutsha. Amava abonisa ukuba amaziko mali ukwenza umnyinyiva, njengoko kwi imeko nababolekisi bangaphandle kubambiswano lwabo flexible ithuba kuphela. Kungenxa ukubuyiselwa banamatyala akakwazi kuphumeza imisebenzi yakhe abagcinisa, hayi ukushiya imarike zezimali, ukuze agcine ilayisenisi kwaye uphephe ukutshona.

Yintoni na nokuba yintoni abangenalungelo lokuxhamla lomfula?

Xa ucinga umbuzo ngoko kuya kwenzeka mboleko xa olungagqibekanga, akukho mfuneko yokuba nethemba ukuba iibhanki ndoyixolela yonke kakade banetyala kubo. Kunoko, amanyathelo ejolise ekubuyeni amatyala, uya kuba ilukhuni kuphela. Ababoleka kufanele baqaphele ukuba akukho iziko zemali akanalo ilungelo lokuba bahlukumeze ngokwemiqathango yesivumelwano. Loans e olungagqibekanga, ezifana ne-mboleko okanye auto-mboleko, alunako ukutshintshwa. I-Bank akunagunya ukutshintsha iimeko ubambiswano kunye nokwanda nenzala. Okungaphandle inokuba imeko apho izinto ze data ukulungiselela amaxwebhu kwi kubambiswano. Ukuba obolekayo ngokunxulumene amanyathelo mthethweni athathwe okanye intlawulo efunekayo kwindawo ephezulu inzala, ukuze isicelo isikhalazo inkonzo kubathengi. amanqaku data kwi engagqibekanga olawulwa ngurhulumente ingakumbi nzima.

Zeziphi izinto ngetyala eqhelekileyo banikwa olungagqibekanga, izeziphi kakhulu yingxaki?

Kokuba kusetyenzwe umbuzo wokuba yintoni esongela lizwe ongakwazanga ukuhlawula, yaye abantu kufuneka bahlale entsimini, malunga nokufumaneka ngetyala. Ukungabikho kwemali kweli lizwe kwaye uninzi amaziko zemali musani ukwenza kube nzima ukufumana imali-mboleko. Enye into - kwemiqathango encinane zenzuzo kufuneka nje ukwamkela. Kwisithuba ungonakala phantse onke amanqanaba kweli lizwe zentengo yemboleko umboleki kulityalwa. Ipesenti encinane ukuba ukusetyenziswa kwe-mali ngexesha lentlekele zange ukugcina imizi egcina imali, ukuba nje musa ukuvimba ipesenti kungagqitywanga. Xa ucinga umbuzo indlela engagqibekanga ziza kuboniswa kule iikhredithi, singathetha malunga popularization iindawo ezifana yokubolekisa ngokukhawuleza. Lubonakala yi ichibi elikhulu ngokwaneleyo kwezibonelelo, ekubeni umyinge wenzala kwimveliso lomlambo imalunga-50%. inzala eziphakamileyo mababuyekezwe uyilo esekethe yemali-mboleko kunye iphakheji isezantsi yamaxwebhu. amaziko ezemali ezifundisa olu hlobo lwe-mboleko ukuze bakwazi ngokulula asinde malunga nama-20% of non-lokuhlawula imali. Ngamaxesha obunzima, zama ngcono ukuphepha ukuzilungisa mboleko, ngoko ke ibhanki akunakwenzeka ukuba nokubonelela ngeemeko kakuhle kubambiswano. Emva kokuba kudlule le ntlekele, kuya kufuneka ukuba uhlawule ityala kwiimeko ezidlulileyo, eziya kubizwa ngokuba inengqondo yingxaki kakhulu.