Types rwezvemabhengi kwacho. Settlement uye mari mabasa. Operations mabhanga kuchengetedzeka

Usati munozivei, pane mhando rwezvemabhengi kushandiswa, zvinokosha kubata nevamwe tsanangudzo anokosha. Somuenzaniso, chii chinoumba chairo sangano pasi kukurukurwa? Mazuva zvoupfumi mazwi, kubhengi anoita sezvo mari uye zvikwereti dhipatimendi, kuti vaite zvakasiyana-siyana pamwe nevasina mari uye kuchengetedzeka. Uyezve, mvumo kupa mhando dzose mabasa nevanhu siyana uye zviri pamutemo masangano, uyewo, chokwadi, hurumende. Unogona kufungidzira maumbirwo ichi dzokutengesa sangano akasikwa kurera purofiti, kuita zvimwe rwezvemabhengi akavhiyiwa uye kupa zvakakwana kodzero kukwezva mari kubva mapato yechitatu uye achiisa navo pachinzvimbo chake.

The huru kupatsanura

Munyika yanhasi anenge pfungwa dzose ane zvimwe typology. Saka, zvinokwanisika kuziva zvimwe zvinokosha rwezvemabhengi kushandiswa. Kune zvitatu chete:

• kukwezva vatorwa mari deposits;
• chikwereti akavhiyiwa;
• kukwezva makasitoma itsva.

Funga zvose. Saka, wokutanga mhando nechinangwa kukwidza mari kana mamiriro ezvinhu vanogamuchirwa kuurayiwa pakarepo pashure kwemamiriro chibvumirano pakati masangano. Uyewo, chikwereti kwema vari kuzivikanwa ndechokuti mari zvinobatanidzwa kare dzinounzwa pamahombekombe pamusoro wayo pachangu uye vazadze maererano chibvumirano, iro rinoti mashoko okuti uye mamiriro chokudzoka. Chechitatu mhando kunonyanya kukosha nokuti, kufanana nemamwe sangano chero, kudzokorora zvemari mamiriro inoda kuramba kukura. Kuramba huripo uye kugara Kukwezva nemakasitoma itsva inofanira kupiwa paakasika yakanaka uye kugonesa zvakatipoteredza pamwe.

mamwe marudzi

Pakati pezvimwe zvinhu, zvose Banking akavhiyiwa uye kwema zvinogona rakakamurwa tichishingaira uye kungogara. Aimbova kare vaiti kwezvikwereti. Ndiro huru mhando yebasa, umo mamiriro-pamusoro apa anogamuchira mari. Bank chikwereti zvigadzirwa kazhinji kuita purofiti kubva kufarira kuti vatengi vanobhadhara iri pamwedzi hwaro akuitira. Zvisinei, zvinokosha kuti tiyeuke kuti chimbadzo mhosva kana achiita basa kwema vanofanira kusapfuudza kukura zviratidzo uye munataisireva. mamwe mabasa ose yakabva rwezvemabhengi mamiriro anogona kunzi uwandu kukarukureta, izvo, akavapindurawo, vari rakakamurwa marudzi akawanda zvinokosha.

Saka, muripo akavhiyiwa zvinosanganisira zvinotevera mhando: mari uye mari basa, uyewo nemari uye deposits. Zvinofanira kucherechedzwa kuti ekupedzisira nenzvimbo zvikurukuru rinokosha mumunda rwezvemabhengi mabasa. Ndiro huru chimiro pusa kushandiswa. The chinangwa chikuru chipi nechipi deposits ndiyo zvishoma nezvishoma augmentation ekudzidza Bank mari. Payment kwema ichi mhando anoparadzirwa kuti nhoroondo kwete guru chete mamiriro masangano, asiwo zviduku masangano private uye munhu vanhu vachida kupa imwe bhengi mari dzavo.

Banking akavhiyiwa: budiriro

Nokufamba kwenguva, basa pezvivako izvi nguva dzose uye akaramba pasi yakaoma uye universalization, uye ipapo akapa mabasa huchawedzera siyana. Kuwedzerwa Mhando rwezvemabhengi kushandiswa, akachinja basa sangano. The chidzoke pakubhadhara itsva mabasa zvimiso chokubudirira chinokosha purofiti varikumahombekombe, vakatevera kurerutsa ngozi. Matanho aya kubatsirawo pamusoro pakuzadzisa kure-nepakati jira akavhiyiwa risingagoni zvisingarevi zvakawanda anonzi chero pusa kana kushingaira mari. Somugumisiro, akauya mhando rwezvemabhengi kwema haana kunyorwa pachiyero jira, uye kubva kwavari, Komisheni haasi pasi mitero.

Off-nepakati jira mabasa anozivikanwa kwenguva refu, asi mumakore achangopfuura zviri kunyanya kudiwa. Vachishingaira kuwedzera kukurumbira akasiyana ayo maviri: Muchengete uye mabasa zvemari. Izvi inosanganisira utariri zviito, Advisory mabasa, uyewo kuronga mutero uye budgetary mabasa. Zvinofanira zvakare kuteerera vimbiso bhizimisi ainzi. Iyewo zvinoreva nhamba kure-nepakati papepa kushandiswa. A nevamwe chinhu ndechokuti bhengi iyi hakusi chete murevereri asiwo se zvakananga ubatanidzwe chero kutengeserana. The pamusoro mabasa vane guru kukanganisa zvinonyatsorehwa kukura mabasa nemari chidziro iri mubvunzo, sezvo vanobvumira kuwedzera kushandiswa nemiganhu.

kuchengetedzeka

Izwi chinorehwa gwaro iyo certifies kodzero chokuita nacho, uye zvakare anokwanisa kuzvidzora Mabatiro pamusoro kumusika uye kunogona wenyaya upi kutengeserana (somuenzaniso, kutenga uye kutengeswa) dzakazara. Zvakakosha kuyeuka kuti kuchengetedzeka, kukonzera munhu-nguva kana nguva mari uye rinogona semhosva muchimiro mari guru. Somugumisiro, nokupfuuridzirwa magwaro akadaro anoita vakaita pashure mukova muna rinokosha remazita. Uyezve, kuchinja muridzi zvinoreva kuchinjwa kodzero dzose mairi.

Kuchengetedzeka inowanzoshandiswa nokuda sangano zvinhu uye vabudirire nokushanda siyana zvokutengeserana masangano. Kusiyanisa chikwereti (mabhiri uye zvisungo) uye muripo Zviridzwa (macheki). zvinyorwa zvose izvi zviri kuitirwa kupa nyore uye kukurumidza kuchinjwa kodzero zvose zvokunyama uye kune mamwe makomborero. Saka, zvose kushanda mabhanga securities vakakamurwa muzvikamu zvikuru zviviri:

• ngaateme pachako magwaro ayo iri mhando;
• Zviito nemakasitoma zvinhu.

Pashure kuwana chaiyo rezinesi pamusoro zvivako vane kodzero kuvimba utariri mapepa anobudiswa maererano chibvumirano akagumisa zvikuru zvemitemo, asi dzimwe nguva nevanhu. Uyezve, zvinoita kuti vaite zvinotevera kubhengi kuvhiyiwa pamwe kuchengetedzeka: nyaya, sale, kutenga, kuchengetwa uye vazvidavirire pamusoro-pamusoro apa zvokuvakisa, dzinoshandiswa muripo magwaro. Izvi zvinobatsira kuti akwezve mari munhoroondo Banknotes uye deposits.

Siyana Lenders vachikwanisa kuita zvinotevera mabasa zvemari: munyengeri, bhuroka, panodonedzerwa uye kuchengetedzeka utariri, kurapa mazita varidzi uye, chokwadi, tsanangudzo yakawiriranwa sungiro pakati pamwe mapati. Ngatikurukurei chimwe nechimwe chezvinhu apa marudzi amabasa zvizere. Saka, chikamu chokutanga kunosanganisira basa commercial bhangi kwema ari mhando achizvibhadharira zvaanoda uye pamusoro chete zita vayo. A maitiro chinhu ndechokuti chete repamutemo anogona kuita somunhu munyengeri. Muchikwata yemabasa yechipiri anotsanangurwa ari zveefa, izvo yezvokutengeserana mabhanga ndiwo chete gweta kana basa, uye zviito zvake zvose zvinokonzerwa kuMudzidzisi chibvumirano. Uyewo depositary basa runoratidzwa komisheni mabasa kuunganidza zvitupa uye kodzero nhoroondo. Zvakare, chikamu ichi inowanikwa chete pamutemo vanhu. Uyezve, zvinokosha kuziva kuti kwemamiriro vanonzi panodonedzerwa chibvumirano hariumbi chikonzero kuchinjwa muridzi.

kwema All ezvokutengeserana mabhanga vane zvikwereti chokuita muchikwata zvakanaka, zvainanga basa kuvimba kuchengetedzeka varayirwa. Panyaya iyi, zvakaitwa kunofanira kuitwa nokuda nemamiriro kare akabvuma remuneration kwenguva ya kondirakiti vachida munhu anenge aita yakafanana chibvumirano kubhengi. Zvinofanira kucherechedzwa kuti kuchinjwa muridzi vachava pasi kwete chete kuchengetedzeka, asi mari, izvo zvino paakapiwa mavari, uyewo zvinhu zvinokonzerwa utariri. Pakupedzisira, tinoona kuti basa yokururamisa chimiro inorondedzera yakawiriranwa nokubatira mapato. Zvingava mhosva, kugadzirisa uye kuyananiswa mashoko kwema chokuita kuchengetedzeka uye haizopereri kugadzirira siyana chizvidavirire magwaro.

Direct basa nemakasitoma

Settlement uye mari services - chimwe chinokosha rwezvemabhengi masangano, kunosanganisira kushanda nevanhu uye mumatare masangano. Its chikuru basa iri kumiririra vatengi kunge akataura zvakawanda yose mabasa. Zvingasanganisira kuchengetwa uye kukurukurwa, uyewo kunyoresa mari. Saka, mari zvakanaka mabasa inogona rakakamurwa dzakawanda huru mumapoka: isiri mari, mari uye vatorwa Exchange kwema, uyewo kuwana. For zvinobudirira zvemari utariri rwezvemabhengi masangano vanopa chakagadzirirwa package. Kubva pavo unogona kusarudza munhu akanakisisa anosangana zvinodiwa nemhosva uye zvavaitarisira.

Non-mari kwema

The pamusoro Masvomhu setsika ichazivikanwa noku anobudirira Implementation zvose mirairo, kuti hurongwa ziviso pamusoro mari uye zvekushandisa mari iripo, kugadzirira uye pasi zvose zvokungoitawo uye kokupedzisira migumisiro yose kwacho. Kuzvidzora pamusoro sezvakarayirwa zvidzidzo mari kwema iyi mhando rinoitwa uye kubhangi, uye kuonana mutengi nayo. Kutamisirwa inoenderana nemirayiridzo pakati aforesaid mbiri panhivi kunoitika achishandisa nzira mbiri. Chokutanga - a chaiwo - inosanganisira hurukuro bepa magwaro ari munhu kana Marshal. Kusarudza wechipiri ari kushingaira kuwedzera kukurumbira pamusoro rokupedzisira mashoma apfuura. Izvi paIndaneti rwezvemabhengi. Izvi kuzvidzora nzira zvinoita kuti ari kure kushandisa mari. Yaida gadziriro ndotodururwa zvinoshandiswa masangano akawanda, nekuti zvose mabasa uye zvinodiwa zvinogona akayambutsawo paIndaneti, vachibvumira kuti nokukurumidza uye nokukurumidza kutevera mitemo.

mari kwema

kambani imwe neimwe ine yayo kuongorora nhoroondo kubhengi. Nhoroondo dzakadaro kashoma kushandiswa pakugadzira pusa mhando mari, sezvo mukuru chinangwa ndiko kupa kutsanya uye zvakavimbika kuwana zvikwereti mari kuburikidza siyana channel varayirwa. Bank nhoroondo inogona kuitwa muna rubles uye dzimwe mari. Zvapedzisira nzira iri kushandiswa mune chiitiko kuti sangano unoshanda nezvavatorwa Banknotes. Mumamiriro ezvinhu akadaro, unofanira kuvhura nhoroondo nhatu: kuitika, dzaifanoiswa uye kuti ndizvidavirire. Chokutanga anodiwa yepakarepo kurasira aivapo mari, rekodhi yechipiri vakagamuchira mari, uye yechitatu inoshandiswa azvidavirire nokuda yakatengwa mari mudzimai kumusika. mune imwe mari kubhengi akavhiyiwa zvinopa muridzi ane siyana mabasa: vaida kuwana kwaizotevera kutengesa manotsi kuti mutengi murayiro; kupinduka akavhiyiwa; Kutengeswa vanorumwe Exchange zvakaoma; chinja zvinoreva maererano akapedzisa imupota-ekisipoti kwema wokuisira.

kuwana

Shure ichi nhema inonakidza izwi zvinowanzoshandiswa basa - komisheni muripo nokuda kadhi kana kubhadhara zvinhu zvakasiyana-siyana uye mabasa ari nehoro. Zviito zvakadaro dziripo chete pashure kuguma yoga chibvumirano. Sangano riri basa kupa pamusoro mabasa, anotaurwa so acquirer. Mamwe mabasa anosanganisira ichipa uye kugadzwa yakakodzera midziyo iri nehoro, uyewo kwavakazoita kuvariritira uye, chokwadi, vachinyatsoziva Implementation zvinhu zvose zvine chokuita nokushandiswa epurasitiki makadhi. Zvinofanira kucherechedzwa kuti mikana yakafanana iripo kugamuchira mari kuburikidza neindaneti. Muzviitiko izvi, zviteshi kuti kadhi vaverengi inotsiviwa panorongwa, izvo zvinoumba mutengi anozadza. basa iri rinonzi Internet kuwana.

Cash paruoko

Kungofanana zvose pamusoro mhando rwezvemabhengi kushandiswa, muchikwata ichi zvinosanganisira maitiro vaswedere mari yacho Client wacho. Mushure kusaina chibvumirano kuti kugarwa uye mari mabasa sangano mukana vagoronga chequebook they. Zvakakosha kuwana mari, izvo zvinogona vakabva kuti kusashanda mari mabasa basa boka, kuripwa bhizimisi nhumbi uyewo Payroll vashandi. Munyika yanhasi, imwe nzira huru kune zvose anozivikanwa chequebook they chinhu yemakambani pamahombekombe kadhi. In kufanana magadzirirwo aro kunouya nzira kuti nokuvhura nhoroondo akazvitsaurira, maererano iyo chikwereti sangano achakwanisa arambe yezviito zvose zvakaitwa naye.

Register mumwe kutengeserana aine mubhengi kadhi anogona chero nguva kuwana mashoko ose majana uye ugoverenga yasara mari. Mukuwedzera, achibatsirwa pamusoro mabasa, unogona kuita mari kufukidza zvichidhura mhando mbiri: mabhizimisi mari uye panhongonya mari uyewo mari chokuita huru basa zvakananga. Aimbova kare anoonekwa kutenga zvokushandisa muhofisi uye hofisi supplies, anodiwa Software uye kudzidzisa zvinhu. By chikamu kumiririrwa kunewo ndiye abhadhare mabasa siyana chokuita mabasa (akadai mabha- kana rekutakura). Uyewo, zviri yaizoshandiswa mhando yechipiri kuti zvingaonekwa inobhadharwa imwe yemakambani kadhi, rinosanganisira kubhadhara kune vapemhi, varaidzo uye mari yebhazi (raiumbwa Réservation uye rokutenga pakati matikiti, mubhadharo akkommodasie in muhotera mumakamuri nomudonzvo Eenhede, Rental kuti imotokari). Uyezve, chikamu ichi chinosanganisirawo kubhadhara kuti Contractors vane mabasa zvine chokuita huru kutungamirirwa upfumi basa zvakananga. Yeuka kuti vose mari akapa aripe pamusoro yemakambani rokubhengi, zvakakodzera anotaurwa mutero rokuzvidavirira chete kana vari yaidzorwa uye anotsigirwa zvakakodzera mapepa pasi magetsi Tax Code. Saka, mashandiro-pamusoro apa kunopa sangano yakawanda anobatsira zvinhu uye ndiyo nzira kugadzirisa zvakasiyana-siyana mafomu. Heano mamwe acho:

• anoitwa anoratidza kuti kugarwa mune imwe mari;
• Kusimudzira vakachengeteka uye rakavimbika kwemasayendisiti (nokudaro kurerutsa mukana wokuti kurasikirwa kana kuba mari, uye panguva kurasikirwa kwake nyore nyore, unogona akakiya kadhi);
• chinokosha nguva mari (haritsvaki kumira mumutsetse kubhengi kuti mahofisi);
• Wachi kuwana mukana mari (semuenzaniso, kuwedzera kana kutapudza huripo muganhu);
• kupa nyore uye nokukurumidza kudzora vanozvidavirira rinoreva (kubatanidza pfungwa SMS-mashoko, uyewo nokuzadzika nekukumbirira atakatora kubva uwane mari);
• kugovera variability kutarisirwa, zvichienderana muenzaniso yavakawana (partition vashandi makadhi muzvikwata kana ndichisunga zvose nenhoroondo rimwe, vane nevakawanda muganhu);
• nemasimba (Implementation kurei nhamba vachibhadhara, mukanyiwa mari kubhadhara mari kure zvinopfuura kukosha dziripo kukarukureta uchishandisa mari kubhengi manotsi, uyewo kuti kutenga kuburikidza Internet).

In mhedziso

Pachishandiswa zvataurwa, tinogona kugumisa kuti bhangi akavhiyiwa chinangwa pedyo kudyidzana pamwe tsika zvemari akabvunza mutengi uye zvinosanganisira zvakawanda dzakasiyana-siyana. Asi zvose zvakafanana dzinokosha dzinoitwa zvinogona kunzi mhando mbiri. Zviri kadhi uye mari zvakanaka mabasa. Izvi zvinosanganisira siyana remapazi pamahombekombe nyaya, mubhadharo magwaro, kunyoresa cheki mabhuku, achivaratidza kuti zvaida zvitupa uye nezvemakore mamiriro nhoroondo mutengi wacho, matanho vane epurasitiki makadhi uye zvakawanda.