Kodi mavoti? mlingo wabwino ndi wotani?

M'mbuyo monsemu, ndi mphamvu zachuma mlingo ndi ngongole ntchito kokha monga zida za gulu ntchito katundu msika. Tsopano zinthu zasintha. ntchito za mabungwe mlingo waphimba malo ochuluka, kuthandiza ogula zikuluzikulu zinthu mwanzeru mokomera makamaka banki kapena inshuwalansi kampani. Ndipo kwenikweni ayenera kukhala nzika wamba. Ndicho chifukwa zimathandiza kumvetsa kuti mavoti amenewa. Ndipo ayenera kuyamba ndi maonekedwe awo.

Mbiri ya mlingo

Ambiri, dongosolo anagwiritsidwa ntchito koyamba zaka zambiri zapitazo. Kumapeto kwa zaka za m'ma chakhumi ndi chisanu ndi chinayi mu United States anayamba kugwiritsa ntchito mlingo wa bata chuma ndi creditworthiness. Poyamba, iwo amaitcha okha issuers kumangidwa akhale chida cha ogwira kusinthanitsa pa misika katundu. zaka makumi awiri zapitazo salinso ntchito chizindikiro ichi monga kulamulira ndalezo ngongole mlingo. Ngati ife kulankhula zimene mavoti, ndi Dziwani kuti mpaka posachedwapa zakhala ntchito ngati mmodzi wa makhalidwe chifukwa chosankha abwino banki, inshuwalansi kapena ngongole bungwe. M'dziko dongosolo si ntchito, chifukwa anali kovuta kumvetsa ndi nzika wamba, chifukwa cha zimene zinali mu ankafuna.

Tsopano, ambiri amadabwa ndi mlingo a mabanki. Ndithudi, zaposachedwapa ntchito kudziwa bata ndalama mabungwe komanso kumvetsa makampani ndi mabungwe ziyenera kugwirira ntchito kwa anthu, mabizinesi ang'onoang'ono ndi sing'anga. N'chifukwa chake m'zaka zaposachedwapa udindo wa mavoti wakhala lalikulu kwambiri, ndipo tsopano kunadetsa ntchito.

Ntchito tsiku ndi tsiku

Tsopano funso kodi mavoti, chirichonse chinali zambiri kapena sichidziwika bwino, m'pofunika kuti akonze zinthu zokhudzana ndi kugwiritsa ntchito pa moyo wawo wa tsiku ndi tsiku. Ndiyeno iwo akhala akugwira kumvetsa zimene mtundu wa bizinesi angatchedwe khola ndi odalirika kwambiri kuona ngati ndikofunikira kugwira ntchito ndi ena makampani yeniyeni inshuwalansi ndi mabungwe ena azachuma.

Choncho, kodi mavoti, inu mukudziwa, iwe sungakhoze kupita kuti mphindi kwambiri. Woyamba ndi zofunika kwambiri zokhudza mphamvu zachuma mlingo anatumizidwa ku mabungwe apadera. Ambiri, kuwunika zichokera kwa alangizi chuma ndi ofufuza msika, akunena malo a poona khalidwe la utumiki. Iwo likukhalira kuti ntchito ya mtendere ndalama mavoti mu zosatheka chikugwirizana ndi ziyenera a banki iwoweni, utumiki, ndi kampani ya inshuwalansi, mayiko a ntchito ndi bungwe la ndalama kapena kampani kasamalidwe. Ichi chokha amayesa bungwe udindo mwachindunji.

ndi mlingo a mabanki chiyani?

Izi njira ali mu dipatimenti ndalama kufotokoza angagwiritsidwe ntchito kumvetsa, odalirika kapena ayi. Ndiko kuti, kudziwa imabwera ndikukhazikitsa banki kapena kampani ya inshuwalansi udindo wake mwachindunji kwa kasitomala. Komabe, mlingo sayankha funso ngati ndinu omasuka ntchito ndi m'banja, nkokoma ndi kugwiritsa ntchito webusaiti ake, maofesi a iwo ali, kumene mungagwiritse ntchito nthawi ina iliyonse kuti mudziwe onse zinafunika misonkhano.

Ntchito pa zochitika

Pamene izo zifika pa kampani ya inshuwalansi, ndiye palinso chotero chizindikiro mkulu kusanja si zimasonyeza. Kuyambira iwo sadzakhala kuchotsa mmene kampaniyo akugwira ntchito ndi makasitomala ake, kaya akundisumira iwo malipiro, amene tsopano ali kofala kwambiri.

Ndicho chifukwa chake ntchito ya mavoti sangatengedwe kukhala chida okha Posankha inshuwalansi kampani kapena banki. M'pofunika kulabadira kwa mndandanda wa misonkhano pa magwiritsidwe antchito a utumiki mwa malo yosavuta kugwiritsa ntchito maudindo, chiwerengero cha maganizo olakwika ndi zabwino za bungwe. Choncho, ngati ife kulankhula zimene mavoti, iwo angatchedwe chida chimodzi chokha kuti chofunika wasankha zolondola, ikulengeza osachepera mabanki odalirika komanso kampani ya inshuwalansi, komanso ntchito ndi mabungwe khola ndalama.

mlingo kuwerengetsa

Mu Russia zisakuyenda mabanki ndi kampani ya inshuwalansi ambiri anakhalabe opanda chilolezo ndipo zinatha chifukwa cha vutoli. The gawo chuma n'zovuta kwambiri kuti apulumuke mavuto azachuma, ndi ena nyumba zikuluzikulu anakhalabe opanda chilolezo. Izi ndi zimene akunena za kufunika kusamala kwambiri ndi masankhidwe a mabanki ndi kampani ya inshuwalansi kuti mumamukhulupirira. Monga ulamuliro, mabungwe anataya ziphatso awo ndipo zinatha, anali m'malo otsika mlingo, koma osati onse. Pali zitsanzo za momwe mabanki milingo mokwanira mkulu wa bata ndalama anakumana ndi mavuto yofunika kwambiri chifukwa cha zomwe zinatha. Ndipo pano sitingathe kulankhula za cholakwa zimachitika mabungwe apadera. kuwerengetsa awo ndi mapangidwe a Mwina bankirapuse kapena mavuto azachuma.

kuwunika Personal

N'chimodzimodzinso anati, poyankha funso lokhudza zimene chizindikiro munthu. Linapangidwa kwa anthu amene zochita mwina zimakhudza ntchito anthu ena. Mwachitsanzo, mlingo aumbike amalonda pa katundu kuwombola, kusonyeza amene ndi momwe ntchito. chiwerengerochi si chitsimikizo kuti zonse apitiriza kukhala pa mlingo chomwecho, koma amapereka lingaliro la njira ndi mfundo za polojekiti.

Kodi mlingo wa bata ndalama?

mukhoza kukhala pa nkhaniyi mwatsatanetsatane. Nkofunika kudziwa chomwe icho chiri, ndi momwe mabungwe amene amapanga mavoti mopitirira ntchito zawo pouza mphambu kuti kampani ya inshuwalansi, mabanki ndi mabungwe ena azachuma.

Choncho, ngati tanthauzo la "mlingo", zinadziwika, m'pofunika kuona nkhani ya kufotokoza kuti mabungwe a zachuma. Mu chizindikiro ichi amabisa amanena Mwina bankirapuse. Kunena mawu osavuta, iye analankhula za kuthekera banki kapena inshuwalansi kampani si kukwaniritsa udindo wake kwa makasitomala, depositors, angongole ndi anthu inshuwaransi. Pali tanthauzo zovuta zambiri, koma mu nkhani iyi n'zotheka kuti Mwina zosayembekezereka wa zikatero ndicho ndi zofunika kwambiri mfundo.

Mavoti m'madera ena

Monga mmene kuchita, ntchito imeneyi chizindikiro kuyesa n'koyenera osati mu gawo la ndalama, komanso mu masewera. Kotero, chiyenera kuti chizindikiro choterechi WoT. Mu masewerowa World ya akasinja, amene wakhala wotchuka kwambiri m'zaka zaposachedwapa, dongosolo wounikira ntchito, lomwe limasonyeza bwanji bwinobwino ankaimba ndi aliyense wa opanga masewera a. Koma tsopano ambiri, funso n'lakuti, kodi mlingo WN6. Chilinganizo cha chizindikiro ichi ntchito chiwerengero cha frags, Kuwononga, ndi makhalidwe ena kupereka ochepa. mlingo Izi sizotheka ndi mphepo, ngati akale, kodi tiyenera kuganizira mfundo m'munsi adani, ndi zina mphindi zonyozeka kuti amalola kuti ziyenera kwambiri Mkhalidwe mphamvu za player a.

Monga mukuonera, nthawi yotsiriza mlingo dongosolo likupitirirabe zambiri otchuka m'madera onse a moyo.