Ndezvipi zviri nani - zvemari kana mari yakweretwa?

Mukuita mabasa ehupfumi, humwe hupfumi hunofanira kuva nehuwandu hwokutsvaga mukugadzirwa kwezvinhu. Inosanganisira kukosha kwese mari yezvinhu zvose zvinooneka uye zvisingaoneki. Izvo zvakasiyana-siyana zvechirevo che "capital" inoratidzwa nehuwandu hwezvitsanangudzo, asi munyaya iyi, marudzi ehomwe achaongororwa maererano nehuyo hwebhizimisi, iyo inopa mari yavo pachavo uye mari yakweretwa.

Mari inokweretwa inoreva mari inokwezva (bank credit, mari yechikwereti, mari yekubhadhara mari, nyaya kana mamwe maitiro), pamusana pekudzoka, iyo iyo inoshandiswa mari. Zvose zvayo maitiro ezvemari izvo kambani inofanira kubhadhara panguva. Nenguva yakakodzera iyo inogona kuva nguva pfupi-kusvika kune gore, uye kwenguva refu-kupfuura gore.

Mari yavo pachavo inoratidzirwa nekuti ivo ndeyemhizha sehupfumi uye inoshandiswa mukugadzirisa kwayo. Vane mukana wepamusoro wekuita zvikwereti munzvimbo ipi zvayo yebasa, nokuti haafaniri kubhadhara chikwereti kune zvikwereti. Asset yakagadzirwa pamari yavo inoshandisa mari yekambani, iyo inogonesa kugadzikana kwezvemari.

Mhedzisiro huru yemari yake ndeyekunze uye mukati. To Kunze ndeye: iyo yakagamuchirwa (iyo yakawanda yemari inopiwa nevatenzi kuti vaite mabasa); Kusununguka kwezvemari kubhizimisi; Chiratidziro chekugoverana kana kuenzanisa mari yakawanda , nezvimwewo.

Chimiro chemukati chemasvingo chinosanganisira: purogiramu, yakasara pane yebhizimisi; Kuora mwoyo nekudaro.

Kushanda kwebasa kunotarisana nehutano hwehuwandu hunoshandiswa. Ichi chivako chiyero chemari yega uye yakakwereta inobatanidzwa mukugadzirisa, uye inokanganisa kudzoka kwezvinhu, kugadzikana, uye solvency yebhizimisi, uyewo inotarisa kuenzana kwehuwandu hwehutsva, uye kubatsirwa panguva yekuvandudzwa kwekambani.

Saka, kana kambani inoshandisa chete mari yayo, saka ine hutano hwakasimba hwekugadzirisa. Zvisinei, izvozvi zvinokonzera kuwedzera kwekukura kwayo, kusakwanisa kuumba imwe yehuwandu yezvigadzirwa, uye kusashandisa kuwedzera kwebato pane mari inotengeswa.

Imwe nzira inoshandisa mari chete yakakwereta ine simba guru rekusimudzirwa kwayo uye mukana wekuwedzera kwekubatsira, asi izvi zvinowanzoita kuti panjodzi yemari uye kuparara, izvo zviwedzere pamwe nekuwedzera kwechikamu chemari inokweverwa kuhuwandu hwehuwandu hwemari.

Mukuita, iwe unogona kuve nechokwadi kuti hapana chikafu chimwe chete chekuti ungashandisa sei mari yako uye mari yakweretwa. Kunyange zvakadaro, pane zvimwe zvinhu, tichifunga kuti chii, zvinokonzerwa nechinangwa kuti chigadzirise chimiro, kupa mamiriro ezvinhu anodiwa kuitira kushanda kwebasa racho.