Utyalo-mali lwangaphandle kweli qoqosho lwaseRashiya njengalathisi lokubuyisela nokuzinza

Njengoko imithombo esemthethweni iyayingqina, ukubonakalisa isidingo saseRashiya sokutyalomali lwangaphandle, uqoqosho lwelizwe lukwazi ukwenza i-dollar eyi-50-60 yezigidi ngonyaka. Imfuno epheleleyo yokutyalomali lwangaphandle kwiminyaka emi-5-7, ilingana ne-200-300 yezigidigidi zeedola.

Utyalo-mali lwangaphandle kwezoqoqosho lwaseRussia kufuneka luncede ukusombulula iingxaki ezininzi kwi-intlalo noqoqosho, oku:
1. Ukuphuhlisa ubuchule kwizenzululwazi kunye nezobugcisa, ngokukodwa, amashishini aguqulwe kwiinkqubo zenkampani yemikhosi;
2. Ukukhuthazwa kweempahla zasekhaya kunye neengcali zeteknoloji kwiimarike zamanye amazwe;
Utyalo-mali lwangaphandle kwezoqoqosho lwaseRussia kufuneka lukhuthaze, lwandise, luze ludibanise ukukhutshwa kwamanye amazwe kunye nokudala amashishini anakho ukubuyisela impahla emveliso kwamanye amacandelo;
4. Utyalo-mali lwangaphandle kwezoqoqosho lwaseRussia, kufuneka kube negalelo ekuphumeni kwemali kwimimandla ephumayo, kwakunye neendawo ezizityebi kwiimaminerali, ukukhawuleza ukuphuhlisa nokuveliswa kwazo.
5. Utyalo-mali lwangaphandle kwezoqoqosho lwaseRussia kufuneka lujoliswe ekudalweni kweendawo zokuqeshwa, kwakunye nokuphuhliswa kweenkqubo eziphambili zeenkqubo zokuvelisa;
6. Utyalo-mali lwangaphandle kwezoqoqosho lwaseRussia, kuyimfuneko ukuqondisa, ukuqeqesha ubudlelwane obuphucukileyo kwimiba yoshishini;
7. Utyalo-mali lwangaphandle kwezoqoqosho lwaseRussia, kufuneka sisebenzise ukuphuhliswa kweziseko zorhwebo.

Ingqiqo kunye neentlobo zentengiso-mali yangaphandle kwimali yasekhaya ziquka:
1. Utyalo-mali ngendlela yokuboleka ngurhulumente, owenza ityala likarhulumente, kumazwe angaphandle, kumaziko ngamazwe ngamazwe;
2. Utyalo-mali ngendlela ye-deposits kwizabelo zamashishini kwelizwe;
3. Utyalo-mali ngendlela yotyalo-mali kwii-securities, ezibandakanya:
- urhulumente, amaqumrhu kunye nabasemagunyeni;
Utyalo-mali;
4. Iimali ezenza uqoqosho lwazwelonke (amashishini) lukwazi ukuphucula ubugcisa babo kunye nezobuchwepheshe.
Abatyalomali basemzini abaza eRashiya bahlulwe ngokwemiqathango yaba ngamaqela amabini. Okokuqala, abatyalo-mali abatyale imali yabo ngeenjongo ezicwangcisiweyo, bajolise ekuphumeleleni izikhundla kwimarike yasekhaya yelizwe. Ezi nkampani ziquka iinkampani ezinkulu. Iqela lesibini liquka, abatyalo-mali abaphakathi kunye nabancinane, batyala imali, batyala imali yokufumana inzuzo enkulu. Zibeka phambili ngokubhekiselele kwiimfuneko ezinxulumene nokuxhamla kotyalo-mali. Ngokomzekelo, abaqwalasele iiprojekthi, kunye nezinga langaphakathi lokubuyisela elingaphantsi kwama-40-50%.
Ukutsala utyalo-mali oluvela ngaphandle ukuya kuqoqosho lwelizwe, ukuze ufumane imithombo eyongezelelweyo yokuxhaswa kwemali kuyimfuneko ukulungisa iingxaki ezininzi ezibangelwa lizinga eliphantsi lokulinganisa ngamazwe ngamazwe. Oku, ke, ngumphumo, umthetho, wezopolitiko kunye nokungazinzi kwezoqoqosho, okujongene nomsebenzi wokutyalomali kweli lizwe. Ngenxa yoko, abatyali-mali basemzini bangxamanga ukutyalo kwezoqoqosho lweli lizwe.

Utyalo-mali lwasemanye amazwe kwezoqoqosho lwaseRussia luvela kwimali eyahlukeneyo ekhethekileyo kumazwe asathuthukayo, kwakhona ukunyamekela uqoqosho lwasekhaya, ezinye iibhanki kunye nabaninzi bamashishini abazimeleyo. Yonke iminikelo yabatyalo-mali basemzini ngokukodwa ijoliswe kumashishini anikezela ukubuyela ngokukhawuleza. Okwangoku, amacandelo afaka iifutha kunye nokutya kwamashishini, ukutya kunye noluntu. Ininzi yotyalo-mali kwezoqoqosho ivela kwiFinland, eJamani, eChina, eUnited States.

Kwiminyaka yakutshanje, utyalo-mali lwangaphandle lwaseRashiya lufike kwizinga le-45 ngamnye ngomntu, ngokuthelekisa, iChina i-$ 137, kodwa ePoland $ 360.