Utyalo-mali kunye neempawu zazo

imisebenzi ezinemiphumela imibutho engekho abatyali, ejongisele esebenzayo, usenza njengendlela ephambili eyona idipozithi. Ukukhetha olu khetho kubhaliwe ezinxulumene ngqo imfuno ukusetyenziswa ngokufanelekileyo kwezibonelelo, ezo kwabunjwa iiprojekthi ekhethiweyo.

utyalo-mali - ikhutshwa phandle imisebenzi yezoqoqosho yokuqala ekufunyanweni kolunye izibambiso, amalungelo yequmrhu okanye ezinye izixhobo zemali. Ukutyala imali ngezemali okuthe kratya ube nokubonelela iinjongo ezahlukeneyo. Ezona ziphambili zezi zilandelayo: ukuguqulwa kugcine amaxwebhu ezizizo kakhulu, efumene ingeniso kunokwenzeka elizayo, kwakunye nolawulo phezu iziko nokukhutshwa. Ukongeza, utyalo-mali lwemali luhlobo ukusetyenziswa ngaphandle kwenkunzi yenkampani. Kuye ezinye iimpawu ezikhethekileyo:

- it ikuvumela ukuba wenze utyalo-mali lwangaphandle zombini ngaphakathi lizwe nakwamanye amazwe;

- yenza ukuba inkampani ku tiva iinjongo zobuchule zophuhliso, lo gama ukugcina imali yabo;

- kufuna isixa ubuncinane ixesha lokuthatha amanyathelo ayimfuneko zolawulo (kuthelekiswa neeprojekthi real);

- kuthatha indawo kwi zigaba kamva lophuhliso lombutho, emva iimfuno zakhe ziya kuhlangatyezwa;

- mali zemali - zohlobo elizimeleyo yemisebenzi yoqoqosho;

- it ikuvumela ukuba utyalo kwizixhobo kwerandi ngaphandle umngcipheko nokuphumeza imigaqo-nkqubo njengoko umtyali enamandla endala;

- abadinga nokukhawulezisa ukwenziwa kwezigqibo ezahlukeneyo ekuhambeni kwiintengiselwano zezimali.

Ukusombulula iingxaki uqikelelo, ukubunjwa kunye nokuphunyezwa kwemigaqo-nkqubo sponsornoy kufuneka ukuba uyithathele ingqalelo iimpawu ukuhlelwa iidipozithi. Iindlela kutyalo-mali bohlulwa babe ngamaqela amabini eziphambili.

Ngokutsho iintlobo impahla :

- utyalo-mali karhulumente amele kutyalo leyo yenziwa ngabasemagunyeni kunye nolawulo kwi ngeendleko mali waboleka kunye nemali extra-mali, kwakunye namashishini ngeendleko eyinkunzi yabo;

- iminikelo abucala zenziwa imibutho engekho phantsi korhulumente, abemi, iinkampani nemibutho, imibutho ezoqoqosho kunye namanye amaqumrhu asemthethweni ebambeleyo ekhankanyiweyo ngenxa impahla adibeneyo;

- utyalo-mali zamazwe angaphandle olwenziwe amaqumrhu asemthethweni kwamanye amazwe kunye namanye amazwe;

- iyonke mali enxulumene njengabemi belizwe, apho ukuba umhlali okanye hayi.

Ngokutsho iindlela inxaxheba kwinkqubo yotyalo-mali:

- utyalo-ngqo - na ukusebenza imisebenzi yezoqoqosho, eziquka utyalo-mali kwingxowa-mali ogunyazisiweyo iqumrhu elisemthethweni (imali exchange kumthetho corporate);

- mali potfoliyo zibandakanya ukuthengwa izibambiso kunye nezinye ii-asethi zemali kwi equity markets.