Kumucheto - musiyano pakati ... mazwi zvoupfumi. How kuverenga kumahombekombe

mazwi Economic kazhinji zvakawanda uye dzinovhiringidza. Pakuona kwavo nzwisisa mupfungwa, asi kutsanangura voruzhinji mashoko ake, asina kugadzirira, uyo kazhinji kwaanoda. Asi ichi mutemo Kakawanda kuitika. Dzimwe nguva, shoko racho riri vanoziva, uye kudzidza zvakadzama zvinova pachena kuti zvachose zvose zvayo tsika dzinozivikanwa chete rakamanikana pedenderedzwa nyanzvi.

Takanzwa zvose, asi vanhu vashoma vanoziva

Tora rokuti "kumahombekombe" somuenzaniso. Shoko iri nyore uye zvinogona kunzi zuva nezuva. Kakawanda iri aripo kutaura vanhu kure upfumi kana wemari wokutengesera.

Ruzhinji anodavira kuti kumahombekombe - kusiyana chero homogeneous zviratidzo. In pakukurukurirana kwezuva nezuva shoko rinoshandiswa kukurukurwa kutengesa zvisingabatsiri.

vanhu vashoma vanoziva chose zvose tsika ane zvakakwana rakafara pfungwa.

Zvisinei, zvinokosha kunzwisisa ano murume mupfungwa yose rokuti, saka kuti chisingatarisirwi nguva pachavo "kwete anyare."

Kumahombekombe ari upfumi

Economic pfungwa inoti kuti kumahombekombe - kusiyana nomutengo chigadzirwa wayo mutengo. Mune mamwe manzwi, zvinoratidza sei zvinobudirira mabasa kambani inoita kuti kuchinja kwemari kupinda zvisingabatsiri.

Kumucheto - chiyero hama, chinotaurwa kuva chikamu.

Ngationei kuti kuverenga kumahombekombe:

Kumucheto = Profit / Revenue * 100.

The yemaitiro iri nyore, asi kuti arege kuwana vakavhiringidzika pakutanga kudzidza rokuti, ngatikurukurei muenzaniso nyore. The kambani unoshanda ane kumahombekombe 30%, izvi zvinoreva kuti mumwe Ndakatengesa Ruble 30 kopecks mumbure purofiti, uye akasara 70 cent - mutengo.

kwakakomba kumahombekombe

Ari kuongorora profitability zviri zvebhizimisi chikuru chinoratidza zvose zviitwa ndiyo chakakomba kumahombekombe. The yemaitiro kuverenga rinomiririra kusiyana Ndakatengesa rokutengesa munguva uye shanduka mari kugadzirwa zvinhu izvi.

Chete pachiyero kwakakomba kumucheto haabvumiri kuti uzere tinyatsonzwisisa kuti dzemari kambani. Uyewo, achibatsirwa ake hazvigoni zvizere anoongororwa zvimwe remapazi ayo. It chinhu Analytical chakarurama. Anoratidza sei kubudirira boka rose. Gross kumucheto vakasikwa basa vashandi yakawandisa kugadzirwa zvinhu kana urongwa mabasa.

Zvinokosha kutaura chimwe chinhu, chiri chokwadi kuti kufungwa kana pakuverenga chinhu chakadai "kwakakomba kumahombekombe". The yemaitiro anogona kufunga kwemari kuri realizable uye ebhizimisi. Izvi zvinosanganisira nyora-kubva munhoroondo receivable uye bhadharika, non-zvokutengeserana urongwa mabasa, mari maitiro pachena utility, uye zvichingodaro. D.

Nokuti dzezvematongerwo zvinokosha kuverenga zvakakomba mumucheto, sezvo chakarurama iri wakadenha mambure mubereko wekambani, uye pakuzadzisa mari.

In upfumi pachisara pane imwe pfungwa yakafanana chakakomba kumahombekombe, inonzi "Tingawaneiko kumucheto" uye anoratidza kudzoka musi rokutengesa. Ndiko, mugove mari zvachose kwemari.

Banks uye kumahombekombe

Kubhangi kuti purofiti uye ayo manyuko unoratidza dzinoverengeka zviratidzo. Nokuti kuongorora basa nemasangano vakadaro vakabvuma kuti kuverenga sezvo vakawanda mana varikumahombekombe dzakasiyana:

• Credit kumucheto wakabatana zvakananga basa zvikwereti zvibvumirano, rinorondedzerwa so musiyano pakati akati Verengai uye gwaro iri chaizvoizvo rakapa waswedera.

• Bank kumucheto rinowanikwa sezvo musiyano mubereko prices pamusoro zvikwereti uye deposits.

• Net mubereko kumucheto chinhu chinokosha inoratidza kunyatsoshanda yacho rwezvemabhengi mabasa. The yemaitiro kuverenga zvinoita sokuti sezvisingaiti nhamba muripo mari uye nemari kwema vose zvachose yesangano iri mubhengi. Net kumucheto rinowanikwa yakavakirwa nevasina Bank kwakazara zvinhu uye chete mumabasa basa panguva iyoyo.

• Garandi kumucheto - musiyano kuzvitaurira kukosha rubatso uye mari unozvipiwa mukwereti.

Izvi zvakasiyana tsika

Chokwadi, upfumi haadi unoreva zvakawanda, asi panyaya kushandiswa rokuti "kumahombekombe" kuti zvinoitika. Chokwadi, munharaunda imwe mamiriro ose Analytical mishumo zvachose inoenderana mumwe. Zvisinei, kunzwisisa Russian rokuti "kumahombekombe" iri kutengeserana yakasiyana chaizvo kubva European. Mishumo The vaongorori vatorwa ', ndiye nhamba mari kutengeswa nhumbi dzayo nokutengeserana mutengo. Panyaya iyi kumahombekombe chinoratidzwa kuva chikamu. Shandisa kukosha ichi kuti hama kunyatsoongorora kubudirira kutengesa webasa wekambani. Zvinokosha kucherechedza kuti European mafungiro kuti kuverenga pakati kumahombekombe kunoenderana zvizere kunyatsogona upfumi dzidziso, zvakanyorwa pamusoro.

Zvisinei, MuRussia, ichi izwi iri vakanzwisisa mambure purofiti. Kureva kukarukureta rinoitwa, anongoti kutsiva mumwe izwi rimwe. Ruzhinji vomunyika yedu kumucheto - kusiyana Ndakatengesa kubva pakutengeswa kwenhumbi uye panhongonya mari nokuda kwayo kugadzirwa (kutora), kukurukura, Implementation. It runoratidzwa rubles kana zvimwe dzinokodzera mari Masvomhu. Zvinogona akawedzera kuti nhamba kumahombekombe pakati nyanzvi haisi akasiyana zvikuru kubva nheyo kushandiswa rokuti muupenyu hwezuva nezuva.

Kumahombekombe akasiyana wokutengesera kumucheto?

Nezveshoko rokuti "mumucheto", pane zvinoverengeka Nhema dzinowanzotaurwa. Vamwe vavo kare akatsanangurwa, asi rakajairika hatina asi mwoyo.

Most kazhinji kuvhiringidzwa chinoratidza kumahombekombe wokutengesera kumucheto. Musiyano uri nyore chaizvo pakati pavo. Profit kumucheto wakabatana kunodyira. Kuti mashoko sei kuverenga kumahombekombe, hatina kare ataurwa pamusoro.

Muenzaniso yokufananidzira kuchabatsira kubvisa kusava nechokwadi yomuka.

Ngatitii boka akatenga nhumbi $ 100 uye vakatengesa nokuda 150.

We ngaaverenge kutengeswa chiratidzo: (150-100) / 100 = 0,5. The kukarukureta akaratidza kuti chiratidzo-up ndiyo 50% unonyatsoratidza nhumbi. Kana pakuverenga kumahombekombe kuti sezvinotevera: (150-100) / 150 = 0,33. The kukarukureta akaratidza kumucheto kuti 33.3%.

Yakarurama kuongorora zviratidzo

Nokuti dzezvematongerwo nenyanzvi zvakakosha zvikuru kwete chete kuti kukwanisa kuverenga indekisi, asi kupa nomazvo dudziro yacho. Ichi kunzwisisa basa kuti zvinoda
ruzivo rukuru.

Nei zvichikosha ichi?

Financial zviratidzo zviri nani hama. Ivo vanotungamirirwa dzokudzidzisa wakatarwa, kufungisisa zvinotaurwa, mamiriro ezvinhu apo kambani ebhizimisi, kuchinja mari kutenga simba uye zvichingodaro. D. Naizvozvo, mugumisiro Masvomhu hazvigoni pakarepo zvichishandurwa se "akaipa" kana "zvakanaka." Unofanira kuita basa okuwedzera kuongorora.

Kumucheto pamusoro misika wemari

Exchange kumucheto zvinechirevo chakarurama. On nyanzvi akariposhera nevaichinja uye vatengesi hazvirevi purofiti, sezvo muzviitiko zvose zvataurwa pamusoro apa. Kumahombekombe pamisika wemari kuri kuva mhando rubatso kwema, uye basa zvakaenda akadaro anonzi "kumahombekombe wokutengesera".

Kumucheto zvokutengeserana musimboti uri sezvinotevera: pa kwemamiriro kutengeserana iri investor asingadi kubhadhara chitsama chakazara chesungano yakakwana, rinoshandisa vakakwereta mari bhuroka yako, asi bedzi dhipoziti duku iri debited kubva yake nhoroondo. Kana mugumisiro kuvhiyiwa rinoitwa investor, asina kunaka, kurasikirwa rinosanganisira kuchengeteka dhipoziti. In nevakomana ezvinhu, mubereko anofanira icho chete dhipoziti.

Kumucheto kwema kuti zvinoita kwete chete kuti kutenga pamwe rakumbirwa mari bhuroka. Mutengi anogonawo kutengesa rakumbirwa kuchengetedzeka. Muchiitiko chino, uchava abhadhare chikwereti pamwe chete mapepa, asi kutenga chinoitwa gare gare.

Mumwe bhuroka inopa vanoita dzaro kodzero kuitisa kumucheto zvokutengeserana pachavo. Chero nguva, anogona kuramba kupa munhu basa rakadaro.

Zvakanakira kumahombekombe wokutengesera

Kuburikidza kuitawo shoma kwema, vanoita vachagamuchira dzakati zvakanakira:

• Kugona kuchinjanisa pamusoro misika yemari, pasina kuva azvidavirire nokururamisira zvizhinji. Izvi zvinoita kumahombekombe kutengesa mari kwazvo bhizimisi. Zvisinei, kupindira pakuvhiya, hatifaniri kukanganwa kuti padanho ngozi haisi diki.

• Mukana kuti mamwe mari ine kuderera pamisika ukoshi migove (mu zviitiko apo yeGmail.END_STRONG akabata kuchengetedzeka bhuroka).

• To kuchinjanisa dzakasiyana dzeEurope vasingafaniri havo uiise mari dzavo idzi mari.

utariri zvayakaipira

Kurerutsa ngozi kumahombekombe pakapera kwema, ari bhuroka ibasa nerimwe raro investor chitsama kuchengeteka uye padanho kumahombekombe. Muchiitiko chimwe nechimwe, dzemaitirwe akaita nomumwe. Somuenzaniso, kana mushure kutengeserana kunoitika pamusoro investor nhoroondo nepakati akaipa, padanho kumahombekombe dzaona kubudikidza mutoo:

URM = (DC + GI-CA) / (DW + CA), sezvamakaropafadzwa:

DK - investor mari kuti dhipoziti;

SA - kukosha migove nezvimwe kuchengetedzeka ari investor, iyo bhuroka vakagamuchira ruve rubatso;

ZI - chikwereti investor kuti bhuroka nokuda chikwereti.

Maitiro Sledkov zvinogoneka chete kana kumahombekombe pamwero zvinenge 50%, uye kana zvimwe waiti iri sungano nemhosva. Kazhinji, asi bhuroka haagoni kupinda kwema kuti kuchaderedza kumahombekombe pamwero pazasi yakatarwa muganhu.

Mukuwedzera, zvinodiwa inopoteredza ukomba kwema vari mumisika wemari vakasundidzira anoverengeka ezvinhu zvakagadzirirwa streamline uye kuwana ukama bhuroka uye investor. Kutaura kufadza kukura kurasikirwa, chikwereti kukura, mashoko ari chibvumirano shanduko, uye zvakawanda.

Kuti tinzwisise kusiyana rokuti "kumahombekombe" iri pfupi chakaoma. Zvinosuruvarisa imwe nyaya hazvibviri kuudza pamusoro dzose dzine chikumbiro chacho. chete pfungwa huru dzehurukuro kushandiswa yaro anopiwa pamusoro nharo.