Yengeniso kunye neemeko yabathengi

Eyona nto ephambili ukuba kugqiba ubungakanani kunye nolwakhiwo ezifunwayo kwimarike umthengi, ke zakho lemivuzo ephantsi labemi belizwe. ingeniso Factor ngokuchaseneyo ixabiso luthathwa onefuthe ngqo yemfuno. Uhlobo kulo mtshato ngexesha wavakalisa J. M. Keynes, owabhala ukuba Ukuthanda kwabantu ukwandisa iimfuno zabo, yaye emva koko, Kakade, kwaye ukusetyenziswa ngumthetho eyodwa nangokwasengqondweni yobuntu, leyo, ekugqibeleni, kubangela ukuba ukwandisa kunye lobuqu ingeniso alahlwayo.

Enyanisweni, ingeniso hypothesis ingundoqo ngaphambili saqulunqwa kwaye ziphuhliswe yi E. Engel. Ngokutsho komthetho ezaziwayo-kakuhle Eyngelya, ukuthenga iipatheni kunye neenkcitho kunokwahluka ngokubonakalayo ngokuxhomekeke kwinqanaba lengeniso: inowuthi ingeniso, kokukhona kokuba siphele ukutya (iimfuno zabantu) kunye, icala, kungona ingeniso, ubuninzi iya ku saneliseke "eminye" iimfuno zabantu njenge into lwentlalo. Ngaphandle bubonisa ukuthi, njengokuba umthetho, ukunyuka-1% kumvuzo phakathi amahlwempu, ngokuqhelekileyo ebangela impendulo yabathengi esebenzayo ngaphezu Isalathisi efanayo phakathi ithengiswayo.

Ngethiyori, ingxaki ka kwakho indlela oqhagamshelwano phakathi ingeniso ingeniso kunye neemeko zemarike, wafunda kakhulu kule inkalo yempembelelo igunya nokuthengwa labemi mali ingeniso. Noko ke, impefumlelwano ingeniso kunye nemarike yabathengi iimveliso, ngokoluvo lwethu, kufuneka ingqalelo kwimeko ngokubanzi, ezizezi ngokwembono indlela yokukhawulelana uhlahlelo ubunye yonikezelo kunye nemfuno. uphuhliso yimpumelelo enefuthe ngayo kwimarike lwabathengi kulo mmandla, ukufikelela ukulingana phezu inxulumene ngqo kunye namanyathelo yommiselo karhulumente yengeniso, ezo ezijoliswe uzinzo inqanaba lobomi, ukuyilwa kwiklasi phakathi kwabathengi, ukwandisa kwimfuno yabathengi, ukuvuselela imveliso kweempahla kunye neenkonzo.

ingeniso Personal theory kwezoqoqosho ngokwemveli kuchazwa lodibaniso lwemali ukuba umntu ofumana ngalo naliphi na ixesha. Kodwa kurhwebo kwezoqoqosho, le ndlela ngokwenkcazelo yembali okuthathwa iimfuno ingeniso wobuqu eziliqela kokunciphisa ebalulekileyo. Isizathu soku kukuba, okokuqala, kuqoqosho kwimarike ikhokelwa ingeniso becala zobuqu yokuthenga iimpahla neenkonzo ukutyiwa zobuqu. Okwesibini, kurhwebo kwezoqoqosho nayiphi na ingeniso yomntu kufuneka kubonelelwa ngesixa efanelekileyo kwezi mpahla neenkonzo efanayo, kuba kuphela phantsi kwale meko umntu ibasindisile umdla eziphathekayo kulo msebenzi.

Kule nkalo wengingqi kwingeniso abemi eyona ezibalaseleyo ekuqinisekiseni impumelelo lokuqulunqa nokuphuhlisa ezilandelayo imarike umthengi.

Kuthiwa wabonisa ukuba imfuno, ukuqalisa umthamo unikezelo ngomhla ukhutshwa komsebenzi parameter ixabiso ingeniso yemali, olawula lo kwabemi abathengi kanye ukuqinisekisa inqanaba ntle yabo.

Xa kuhlolwa inqanaba ingeniso evela ngakwicala yefuthe layo bafuneka emarikeni kweempahla kunye neenkonzo yabathengi kubalulekile bobabo ixabiso isicwangciso esichanekileyo amandla okuthenga, efunyaniswa ngokulungisa ingeniso yemali, kuthathelwa ixabiso akhawunti kunye nezenzo njenge ingeniso yokwenene.

Okwangoku, Noko ke, kukho umgwebo injongo malunga yokwenene parameters lokuba bafuneka kangakanani abantu kufuneka sijonge ukusungulwa yokusebenza kunye nesakhiwo iindleko, yaye ngokuvumelana kwabo kubudlelwane babo.