Ndalama

Cash chimachititsa kwambiri pa chuma cha dziko. Onse mabungwe a zachuma ndi malonda zonse zikugwira ntchito ndi kupanga wotuluka ntchito cashless ndi ndalama. Ndiko kuti, ndi chida kugwirizanitsa chuma ndi kukuza malonda.

Ngati ife kulankhula za lingaliro ili pamlingo mayunitsi munthu zachuma, ogwira ntchito za ndalama ndi ndalama monga ndalama ndi chuma nkhani zosiyanasiyana za kampaniyo ku banki, ndipo ndalama za thupi amaika decentralized zimathandiza kuti kusintha kwa kampani ndi chenjezo zomvetsa zinthu zosayembekezereka.

Komanso, katundu ndalama ndi chizindikiro yofunika ya dzuwa la ntchito zonse za kumalo a ntchito. Ndipotu, imatipatsa kuwerengera profitability, liquidity ndi solvency. A wambirimbiri ndalama pa gulu amasonyeza digiri yapamwamba ya liquidity, choncho luso yake kulipira maudindo a counterparties.

Choncho, tingathe kunena kuti ndalama ayenera mosamala anakonza. Kugawilidwa kwanthaka awo zomveka za ndalama ndi akugwiritsa ntchito chuma, ntchito mafakitale ndi ndalama amapereka ntchito iliyonse yodalirika. Ntchito yaikulu ya bungwe ili imatengedwa kuti ndi ntchito katswiri kuti malipiro mwamsanga mangawa amangawa kubweza ngongole ngongole kwa wokongoza wa mudzagwiritse zachuma.

Cash kudutsa dzikoli komanso ndi khalidwe lofunika kwambiri la mmene chuma chikuyendera wa dziko m'bwalo lonse. Boma pamodzi ndi Bank National amasintha buku la kusowa kwa ndalama m'manja a anthu ndi mabungwe chuma kuwerengetsera lapansi. Kuchuluka kwa ndalama zimadalira okwanira ndi kufunika kumsika. Ngati vuto analenga kuwonjezeka kwambiri okwanira pa anthu, izo basi kumawonjezera mlingo wa kukula kwa kufufuma. Kupanda kulamulira ndondomeko kuchokera matupi zolimbana kungayambitse kuwonongedwa kwa dongosolo banki ndi mavuto aakulu mu chuma.

ndalama masiku ano makamaka zizindikiro za phindu lomwe, amapatsidwa lophatikizana ndi ubwamunalo linagawanika mu ngongole ndalama ndi pepala. Pansi zizindikiro za mtengo anasonyeza ndalama amene ndime mtengo kwambiri m'munsi kuposa ndalama ntchito pa ulimi wake. Ndiko kuti, ndalama alibe thandizo aliyense weniweni, ndi pempho lawo potengera yonena za boma ku anthu.

Poyamba, ndalama angatchedwe ndalama zokha zopangidwa ndi golide ndi siliva, koma ndi kovuta ntchito, kotero zolemba ndi kuyamba. Ndipotu, pepala ndalama zambiri yabwino. Opepuka, ngakhale ndalama zambiri akhoza anasamutsa mosavuta komanso nkhawa. Popeza chiyambi cha ulemerero ubale amenewa anayamba ngongole ndalama. Panopa iwo ali njira yaikulu ya malipiro mu malipiro pakati counterparties osiyana. Ambiri amaona ngongole ndi macheke, ngati iwo ali bwinobwino ukugwira ntchito kwa zaka zambiri. Izi zikutanthauza malipiro ndi chitetezo zimene zimathandiza kupeza umwini kuchuluka mwachindunji patapita nthawi ya nthawi.

M'zaka zaposachedwapa mwachangu osauka kuwerengetsera mothandizidwa makadi banki ndi eni angakhale anthu mwakuthupi komanso malamulo. Kuonetsetsa madebiti zofuna gawo m'mbuyomo ndalama chifukwa ndi kuthetsa kasitomala, ndi ngongole limakupatsani kubwereka ku banki kuchuluka mwa malire a ngongoleyo. Kugwiritsa ntchito makadi awa sangathe kukayika, kwenikweni yabwino ndi njira yosavuta kugwiritsa ntchito ndalama. The drawback kokha kungakhale kufunika zipangizo zina zapadera, amene dziko lathu si kulikonse amapezeka.