I-akhawunti yangoku ilandelelaniswa xa abemi belizwe banelungelo lokuxhaswa konke ukuthenga kweli lizwe. Abemi baquka abantu, amashishini kunye noorhulumente. Iimali ziquka imali engenayo kunye nokonga.
Ukuthenga kufaka zonke iindleko zabaxhamli kunye nokukhula kwezorhwebo kunye neengxowa-mali zengqalasizinda zikaRhulumente.
Injongo yamaninzi amaninzi kukuqokelela imali ngokuthumela izinto ezininzi kunye neenkonzo ngaphandle kokungenisa. Oku kubizwa ngokuba yintengiso. Kuthetha ukuba ilizwe liya kuthatha imali engaphezulu. Ilahleko lwenzeka xa urhulumente welizwe, amashishini, kunye nabantu ngabanye bathengisa izinto ezimbalwa kunye neenkonzo ngaphandle kokungenisa. Bathi bathathe imali engaphantsi kweentlanga ngaphandle kokuthumela.
I-akhawunti yangoku iyingxenye yenkokhelo yeentlawulo zelizwe . Amanye amacandelo amabini ama- akhawunti amakhulu kunye neengxelo zemali .
Iimpawu ezine zeAkhawunti zangoku
I- Bureau yoHlolo lwezoQoqosho ihlula i-akhawunti yangoku kwiindawo ezine: urhwebo, inzuzo engenayo, ukutshintshwa ngokuthe ngqo kwe-capital, kunye nemali engenayo yempahla.
1. Urhwebo: Ukurhweba kweempahla kunye neenkonzo liyinxalenye enkulu kwiakhawunti yangoku. Ngoko ke, ukulahleka kwezorhwebo kwanele ukwenza i-akhawunti yangoku.
Kungenxa yokuba ukulahleka kweempahla kwiinkonzo kubanzi ngokwaneleyo ukucima nayiphi na intsalela kwimali engenayo, ukutshintshwa okuthe ngqo kunye nemali engenayo yempahla.
Imali yeNgeniso: Le ngeniso efunyenwe ngabahlali belizwe ingeniso kwiholo elihlawulwa kwabangaphandle. Abemi belizwe bafumana imali evela kwimithombo emibini. Eyokuqala izuzwa kwiimpahla zangaphandle eziphantsi kwabemi belizwe kunye namashishini.
Ezibandakanya inzala kunye nezihlawulelo ezifunyenwe kutyalo-mali olugcinwe phesheya kwezilwandle. Umthombo wesibini yimali engenayo abahlali belizwe abasebenza ngaphesheya.
Ingeniso ehlawulwa kwabangaphandle zifana. Udidi lokuqala luyinzala kunye neentlawulo zentlawulo kubantu basemzini abanempahla kweli lizwe. Okwesibini ngumvuzo ohlawulwa kwabangaphandle abasebenza kweli lizwe.
Ukuba ingeniso efunyenwe ngabanye belizwe, amashishini, kunye noorhulumente abavela kwamanye amazwe angaphezu kwemali ehlawulwayo, ke imali engenayo inzuzo. Ukuba kuncinci, ngoko kuncedisa ekulahlekeni.
3. Ukudluliselwa ngokuthe ngqo: Oku kubandakanya ukuhlawulwa kwabasebenzi ukuya kwilizwe labo. Ngokomzekelo, iMexico ifumana iiligidi ezingama-25 zamawaka ezigidi ukusuka phesheya. Nangona kungekho zibalo ezichanekileyo, kunokwenzeka ukuba isininzi sisuka kubafuduki abahlala eUnited States. UMongameli uTumpump usongela ukuyeka ezo ntlawulo ukuba uMexico akazange ahlawule udonga lomda afuna ukwakha. Wayeza kusebenzisa uMthetho wePatrioti ukuze athathe iintlawulo ze-Western Union. Oku kuya kunciphisa iipesenti ezi-1 zentengo yezoqoqosho eMexico. Kodwa yayiza kuphinda ilahleke i-akhawunti ye-akhawunti engama-29 billion.
Ukudluliselwa ngokuthe ngqo kuqukwa uncedo lwangaphandle lwangaphandle. Ngokomzekelo, iUnited States idlulisela iibhiliyoni ezingama-22 ngonyaka kunyango lwangaphandle.
Oku kwongeza kwi- America ye-$ 502 yezigidigidi zee-akhawunti ezikhoyo ezikhoyo , eli likhulu kwihlabathi.
Utshintshelo lwesithathu oluchanekileyo mali-mali awangaphandle . Yilapho abahlali belizwe okanye amashishini atyala imali ekuphumeni kwamanye amazwe. Ukubala njenge-FDI, kufuneka ibe ngaphezu kweepesenti ezili-10 zenkampani enkulu yenkampani yangaphandle.
Ukutshintshwa kwe-4 ngokuthe ngqo kuboleko bebhanki kwabangaphandle.
4. Ingeniso ye-Asset: Lokhu kubandakanywa ukwanda okanye ukuncipha kwiimpahla ezinjengeentlawulo zebhanki, ibhanki ephakathi kunye neendawo zokugcina ulawulo, urhulumente kunye nokuthengwa kwezindlu. Ngokomzekelo, ukuba iifayili zelizwe zenza kakuhle, imali engenayo iya kuba phezulu. Iimpahla zase-US ezivela kwamanye amazwe zisuswa kwi-asethi yengeniso. Ezi ziquka:
- Iimbopheleleko zelizwe kubantu basemzini ezifana neentlawulo zabemi belizwe lasemzini kwiibhanki zelizwe.
- Imali eyenziwa ngamabhanki angaphandle kumazwe asebhanki.
- Ukuthengwa kwangasese kwamanye amazwe kumabhondi karhulumente karhulumente, njengama- securities e-US Treasury .
- Ukuthengiswa kwezibambiso, ezifana nezitokhwe kunye nezibophelelo, ezenziwe ngamashishini esizwe kumazwe angaphandle.
- Utyalo-mali oluthe ngqo , njengokuba uhlawulele imali yokufumana imali, i-equity, kunye namatyala.
- Amanye amatyala ahlawulwa ngabangaphandle.
- Ii-asethi, njengalezo zichazwe, zibanjwe oorhulumente bamanye amazwe.
- Ukuthunyelwa kweemali zelizwe elizweni kumanyango angaphandle.
Kwakhona, okuchaseneyo kuya kwongeza kwi-asethi yengeniso kunye nokukhupha kwi-default. Ngokukodwa, oku kuquka:
- Iifosti kwiibhanki zamanye amazwe.
- Imboleko yeBhanki kubangaphandle.
- Ukuthengiswa kwee-securities ezisekelwe ngaphandle.
- Utyalo-mali oluchanekileyo olwenziwa kumazwe angaphandle.
- Iimali ezihlawulwa kubahlali belizwe kunye namashishini angaphandle.
- Iimpahla zangaphandle eziphantsi kolawulo lwelizwe.
- Iimpahla ezigcinwe ngokusemthethweni zelizwe langaphandle . (Umthombo: "I-Akhawunti yangoku," iBhunga loHlolo loQoqosho.)
Indlela iAkhawunti yangoku iyingxenye ye-Balance Payments
Ukulinganiswa kweentlawulo
- I-akhawunti yangoku
- I-akhawunti yeGosa
- Akhawunti yeMali