I-akhawunti yezemali inxalenye ye- balance balance payments yelizwe . Ezinye iindawo ezimbini i- akhawunti enkulu kunye ne- akhawunti yangoku .
I-akhawunti enkulu inokulinganisa ukuthengiswa kwemali engathinteli kwimali engenayo, ukuveliswa okanye ukugcinwa. Imizekelo ibandakanya ukudluliselwa kwamanye amazwe kwamalungelo okuganda, iimpawu zorhwebo, kunye neefayile zobungqina. I-akhawunti yangoku ilungisa urhwebo lwamazwe ngamazwe kunye neenkonzo kunye nentlawulo yenzuzo kunye nentlawulo yokudluliselwa.
I-akhawunti yezemali ineziganeko ezimbini ezibalulekileyo. Ookuqala ubunikazi basekhaya beempahla zangaphandle. Ukuba oko kwanda, kwongeza kwi-akhawunti yezimali. I-subaccount yesibini ibunini belizwe langaphandle. Ukuba oku kwandisa, kususa kwiakhawunti yezimali yelizwe.
Iingxelo zeengxelo zezimali zitshintshile kwiinguqu ezipheleleyo zehlabathi ezigcinwe. Unokufumana ukuba inani lempahla egcinwe landa okanye linciphisa. Akukuxeleli ukuba ubuninzi beempahla ezikhoyo zikhoyo ngoku.
Iingxelo zeZibini ze-Akhawunti yeMali
Iingxelo zeakhawunti zezimali zifana kakhulu kwi-subaccount ngayinye.
Ukwahlukana nje kuphela ukuba i-asethi inomntu othile kweli lizwe okanye umfokazi. Kodwa xa urhulumente echaphazelekayo, kusetshenziswe amagama akhethekileyo kwezinye zezinto ezinayo. Ngoko ke, iingxelo zeengxelo zezemali kufuneka zihlolwe kwisithuba ngasinye sesibini.
Ubunikazi basekhaya beeMpahla eziMaphandle : Lo mbandela uhlukaniswe ngokwamaqela amathathu obunini: ubuncinci, urhulumente kunye nendawo yokugcina ibhanki.
Kungakhathaliseki ukuba yeyiphi igalelo eliphethe i-asethi yangaphandle, ukwandisa igalelo kwi-akhawunti engaphezulu.
Ubunikazi basekhaya beeMpahla eziMaphandle : Lo mbandela uyahlukana ngokwamaqela emithathu yobunini: ezizimeleyo, urhulumente karhulumente kunye nendawo yokugcina ibhanki. Kungakhathaliseki ukuba yeyiphi igalelo eliphethe i-asethi yangaphandle, ukwandisa igalelo kwi-akhawunti engaphezulu.
Abanikazi bangebodwa bangaba ngabanye okanye ngamashishini. Impahla yazo iquka:
- Iifosti kwiibhanki zamanye amazwe.
- Imboleko kwabangaphandle.
- Iimali ezikhuselekileyo zeenkampani zangaphandle.
- Utyalo-mali olwenziwe kumazwe angaphandle.
- Impahla, njengegolide, egcinwe kwamanye amazwe.
Abanikazi bakaRhulumente bangaba kwi-federal, state, okanye kwinqanaba lendawo. Uninzi lweempahla zelizwe langaphandle liphantsi kolawulo lombuso. Iimpahla zayo zingabandakanya zonke ezi ngasentla, kodwa ezininzi zininzi zegolide kunye neemeko zangaphandle ezigcinwe kuyo. Eli candelo libandakanya isikhundla sikarhulumente kwisigxina seNgxowa-mali yeMali .
Ibhanki yelizwe eliyinkunzi lingabakho konke oku ngasentla ngaphandle kwesithuba sokugcina kwi-IMF. Ukongezelela, i-owns ye- swaps kunye namanye amabhanki amakhulu.
Ubunikazi bamazwe angaphandle kwii-asethi zasekhaya: Le ngxowa-mali iyahlukana ngokwamaqela amabini obunini: impahla ye-yangasese neyezinye zangaphandle.
Xa abantu bezinye iintlanga banyusa ubunini beempahla zelizwe, longeza kwi-akhawunti yezimali.
Ezi zimpahla zasekhaya ziquka:
- Iifosti eziphantsi kwabangaphandle abagcinwe kwiibhanki zelizwe.
- Imali eyenziwa ngamabhanki angaphandle kwiibhanki zasekhaya.
- Ukuthengwa kwangasese kwamanye amazwe kumabhondi karhulumente welizwe, njengamanqaku e- US Treasury .
- Amasheya ezinkampani, ezifana nezitokhwe kunye nezibophelelo, eziphantsi kwamanye amazwe.
- Utyalo-mali oluthe ngqo , njengokuba uhlawulele imali yokufumana imali, i-equity, kunye namatyala.
- Amanye amatyala ahlawulwa ngabangaphandle.
- Iimpahla ezinzima, ezifana negolide kunye nezinye izinto.
- Imali yelizwe.
Iimpahla ezisemthethweni ezisemthethweni ziquka:
- Zonke izinto ezikhankanywe ngasentla ezibanjelwe oorhulumente bamanye amazwe okanye amabhanki angaphandle.
- Ukuthunyelwa kweemali zelizwe lezemali kubarhulumente bamazwe angaphandle okanye amabhanki angaphandle.
Iingxelo zezimali zilinganisa utshintsho kubunikazi bamazwe ngamazwe.
Oku akufanele kudibaniswe nemali engenayo, njengenzala kunye nezihlawulelo, ezihlawulwa kwi-asethi. Oku kulinganiswa yi- akhawunti yangoku .
Indlela iAkhawunti yeMali iyingxenye yeBhalance Payments
I-akhawunti yezemali liyinxalenye enkulu yemali yeentlawulo. Ukuba i-akhawunti yezimali iqhuba intsalela enkulu ngokwaneleyo, inokukunceda ukucima ityala lokuthengisa . Oko akuyona into enhle. Kuthetha ukuba ilizwe lithengisa impahla yalo ukuhlawula ukuthengwa kwempahla yangaphandle kunye neenkonzo. Kufana nokuthengisa umhlaba wakho ukuhlawula ukutya. Kuya kuba ngcono ukutshala imali kulelo lizwe ngokulima ukuze ukhulise ukutya kwakho. Akuzinzileyo ukuthengisa yonke impahla yakho kwizinto ezinokusetyenziswa.