Dzidza Nezve Tsamba Risingakwanisi Kubhadhara

Tsamba isingashanduki yechikwereti chivimbiso chinobva kubhangi, yakabudiswa nenzira yetsamba. Tsamba idzi dzinobvumira makambani (uye nevamwe) kuita bhizinesi nekuvimba.

Tsamba dzekwereti dzinowanzowanikwa mune zvekutengeserana kwenyika dzose, asi dzinogonawo kushandiswa kwekutengeserana kwenyika. Zvinyorwa zvebasa rimwe nerimwe hazvikoshi sezvinofungwa nebhangi rinopikira kubhadhara "vanobatsirwa" kana chimwe chinhu chikaitika.

Kuti chimwe chinhu chingave chiri: Anotengesera ngarava zvinhu, mutengi anokundikana kubhadhara nenguva, kontrakiti haagari purojekiti, kana kuti mumwe munhu, nenzira imwe, haaiti chero zvaanosungirwa zvavakabvumirana nazvo.

Kana iwe uine bhizinesi nemumwe munhu kune imwe nyika (kana kunyange neine mutengi mutsva kana mutengesi munyika yako), unofanira kuvimba navo kune imwe nguva. Zvimwe iwe hauna kumbosangana nemunhu wauri kuita naye, uye iwe ungasaziva zvakawanda nezvekambani yavo.

Kana uri kutengesa chimwe chinhu kune kambani iyoyo, vachazombobhadhara here? Kana uri kutenga chimwe chinhu uye iwe kutumira mari, vachazombosunungura zvinhu here? Pasina rumwe rudzi rwechirongwa, kuita zvigaro kune ngozi. Tsamba dzisingagoneki dzekwereti dzinogona kuderedza ngozi dzevatengi nevatengesi.

Chinangwa cheShoko Risingakwanisi Kubhadhara

Kuti unzwisise tsamba dzisingashanduki dzechikwereti, zvakakosha kunzwisisa zvikamu zviviri: Ndeye tsamba dzechikwereti , uye hazvireviki, zvinoreva kuti hazvikwanisi kuchinjwa kana kubviswa kunze kwekuti munhu wese anobvumirana nazvo Ngatitsvakei zvose zviri zviviri, tzoongorora zvimwe zvinobatsira uye kukanganisa, uye tarisa muenzaniso wechikwereti muchiito.

Tsamba dzeKwereti

Kana iwe uchitoziva kuti tsamba yechikwereti ndeipi, enda mberi. Kana zvisina kudaro, tichakurukurirana pfupiso pfupi apa, uye iwe unogona kuverenga mhedziso yekuwedzera mamwe mashoko. Tsamba dzekwereti zvibvumirano pakati pemutengi (kazhinji mutengesi) uye bhizimisi romutengesi. Bhizinesi rinobvumirana kubhadhara mutengesi (mutengesi) nokukurumidza apo mamwe mamiriro ezvinhu anowanikwa.

Kuti asangane nemamiriro iwayo, mutengesi anongoda kutumira zvinhu zvemugadziri panguva uye anosangana chero zvimwe zvido zvakanyorwa mumutsamba. Chibvumirano ichi chinopa kuchengetedzwa kune vose vaviri - mutengi uye mutengesi: Mutengi anoziva kuti haazobhadhara chero chinhu kusvikira zvinhu zvave zvatumirwa kana maitiro akaitwa, uye mutengesi anoziva kuti achabhadhara chero bedzi achiita zvose zvakatsanangurwa mumutsamba. Zvisinei, tsamba dzechikwata hazvibvisi zvachose matambudziko. Vatengi nevatengesi vanogara vachitora matambudziko - kunyange neye tsamba isingashanduki yechikwereti.

Kune vatengesi, tsamba dzekwereti dzinobatsira zvikuru nokuti mutengesi anowana kuvimba nesimba rebhangi - kwete simba rekutengi. Paunotengesa chimwe chinhu, iwe unoziva sei kuti uchabhadharwa - kunyanya kana usati wamboita bhizinesi pamwe chete (uye vangani vatengesi kune dzimwe nyika vanoda kukubhadhara iwe)? Kunyange kana iwe uchivimba kuti mutengi wako anoronga kubhadhara, zvinhu zvakaipa zvinogona kuitika uye mutengi wako angave asina mari iripo kana yava nguva yekubhadhara.

Newe tsamba isingashanduki yekwereti, haufaniri kunetseka pamusoro pemamiriro ekutenga kwemutengesi. Kana tsamba yacho yave yakabudiswa, une chivimbiso kubva kubhangi chakabudisa.

Bhengi ichakubhadhara iwe pakarepo paunoratidza kuti wakambosangana nemamiriro ezvinhu anotsanangurwa muchibvumirano, naizvozvo iwe unongoda kuongorora kuti kugadzikana uye kukudzwa kwebhangi ndeye (zvinopesana nekuongororai vese vanogona kutenga mutengi munyika imwe neimwe) . Kuti uwane hurukuro yakawanda, ona Tsamba dzeMitero vs. Vhidhiyo Open.

Zvisinei, iwe unofanirwa kusangana nezvinodiwa zvetsamba (ne 100% kutevera) kuitira kuti ubhadzwe. Kana chimwe chinhu chiripo, bhangi ringaramba kubhadhara. Izvo zvinosanganisira zvinhu zvose kubva pamatambudziko makuru (kutumira kutumira kare kare kana kuti nguva) kune zvinetso zviduku zviduku (typographical zvikanganiso muchibvumirano, kana kushandura shoko rokuti "Suite" ye "Unit" mukero yako). Bhizinesi iri mubhizinesi rekuongorora magwaro, uye havatarisi nezvechinhu chipi zvacho.

Kune vatengi, tsamba dzekwereti dzinogona kubatsira kuve nechokwadi chokuti chimwe chinhu chakaitwa.

Mutengesi haana kungobvuma chikwereti chako uye achibhururuka chikwata - iye akatumira chimwe chinhu. Zvisinei, tsamba isingashanduki yekwereti ndeyemabhuku uye haina chokuita nehuwandu hwezvinhu zvakatumirwa. Bhengi yako ichabhadhara kana mutengesi wako achipa magwaro anoratidza kuti kutumira kwakaitwa. Iwe hauzozivi kuti chii chiri kutengeswa kusvikira yasvika (uye mari ichave yaenda). Kuti uchengetedze ngozi, iwe unogona kuti chiiti chekuongorora chive chimwe chezvinyorwa zvinodiwa.

An Example

Nzira iyo iri nyore kunzwisisa gwaro rechikwereti kutarisa muenzaniso. Iwe unogona kuona muenzaniso unooneka wekuita kana kuverenga kuburikidza nemuenzaniso uri pasi apa. Uyu muenzaniso wekuenzanisira kuti uenzanise pfungwa, uye chero zvese zvaunoita zvinotarisa zvakasiyana. Panogona kunge pane dzimwe nhanho (uye vatauriri) vanobatanidzwa.

  1. Sally, mu Country X, anoda kutenga majejeri kubva kuGeorge, mu Country Z
  2. Sally haadi kubhadhara mberi, uye George haadi kuvaka zvikwereti kusvikira aine chivimbo chokuti achabhadharwa
  3. Sally naGeorge vanobvumirana pamutengo, kuwanda, kutumira zuva, uye mamwe mazwi
  4. Sally anobvunza bhanhire rake tsamba yechikwereti uye anopa tsanangudzo pamusoro pechibvumirano chake naGeorge kubhangi
  5. Sally ibhangi rinotumira tsamba kune bhangi mu Country Z (tichadana kuti bank George bank)
  6. Bhangi yaGeorge inopa tsamba yekwereti kuGeorge, uyo anozvicherechedza kuti ave nechokwadi chokuti anogona kugadzirisa zvinodiwa
  7. George anobudisa zvikwereti uye anovatumira kuSally
  8. George anopa magwaro kubhengi rake kuti aratidze kuti akatumira
  9. Bhangi reGeorge rinongororepa zvinyorwa izvi kuti zvive nechokwadi kuti dzinosangana nezvinodiwa mumutsamba wechikwereti, uye dzinotumira zvinyorwa kubhadhi reSally (panguva ino, George angabhadharwa, kana angafanira kumirira)
  10. Bhengi reSally rinodzokorora mapepa ekuti vaone kuti vanoita zvinodiwa, uye kana vachidaro, bhanga reSally rinotumira kubhadhara kubhengi reGeorge
  11. Sally ibhangi inopa magwaro kuna Sally, kusanganisira mapepa ayo achada kutora kutumira apo inosvika munyika X
  12. Bhengi reGeorge rinopa George

Sally anobhadhara rini bhenji yake? Izvo zvinoenderana. Anogona kugovera mari yacho mberi (asi haasi kutumira mari kuGeorge - ari kungobvumira bhangi kubata pairi kusvikira magwaro achiuya). Kana, kana ane chikwereti chakakwana uye mari yakawanda , bhangi rake rinogona kumirira nekukumbira mari mushure mokunge tsamba yechikwereti inodzoka nemagwaro akanyorwa. Pakupedzisira, bhengi reSally rinogona kubhadhara chikwereti kuna Sally sechikamu chemagwaro echikwereti, uye achadzorera chikwereti kwenguva.

Iyo Isinganzwisisi Tsamba Yechikwereti

Tsamba dzekwereti, pamwe chete, dzinoshanda sezvinotsanangurwa pamusoro apa. Asi zvakadini nezvisingashandurwi tsamba dzechikwereti?

Tsamba isingashanduki yechikwereti inongova tsamba yechikwereti haigoni kuchinjwa kana kubviswa kunze kwemvumo yevose vanobatanidza: mutengi, mutengesi, uye mabhanga chero ose anobatanidzwa.

Izvo zvakaoma zvikuru kuwana tsamba yechikwereti iyo isingagoneki. Zvisinei, nguva dzose inobatsira kuongorora kana kana usina iwe chinyorwa chisingachinji kana chekuregererwa. Zviri pachena, zvakaoma kuronga apo zvinhu zvinogona kuchinja chero nguva.

Vatengesi vanoda kuti tsamba dzechikwereti dzirege kuregereka nokuti dzinogona kupiswa kana dzichibudisa uye dzikatumira zvinhu pasina chivimbo chekubhadhara. Asi vatengi vanogonawo kutsvaka zvinhu zvakagadzirwa mumatombo: havadi vatengesi kutumira zvinhu zvishoma kana kuti kuchinja zvinhu zvakawanda pasina kukurukura zvinhu pakutanga. Pakupedzisira, njodzi huru inowanikwa kune vatengesi, uye iwe unofanirwa kurega kutengesa chipi nechipi netsamba yakarambidzwa yechikwereti.

Nzira yekuwana nayo Inyoreka Tsamba yeKwereti

Kana uchida kuwana tsamba yechikwereti, taura nebhangi rako. Iwe ungangodaro unoda mumwe munhu munyaya dzekutengeserana dzenyika dzakawanda (kana dzakafanana). Usaedza kunyora tsamba yechikwere iwe pachako, uye usa "fambisa" tsamba yekwereti iyo mumwe munhu akashandisa. Chii chakanyanya kuita? Kana chimwe chinhu chakasununguka, iwe unogona kutengesa mari inodhura yemutemo (zvichida mhiri kwemaodzanyemba, uko mitemo inogona kunge yakasiyana neyewakagara uchiita), uye iwe haungabhadharwi kutumira kwaunotumira. Iwe unogona kuchengetedza zviduku zvishoma nokuzviita iwe pachako, asi njodzi dzinokosha.

Kune vatengesi, iri pfungwa yakanaka kutarisa dzimwe nzira kune tsamba dzechikwereti, kusanganisira yebhizimisi rekwereti yeruzhinji, iyo inogona kunge isina mari shoma, uye marudzi akasiyana ezvinyorwa zvekwereti .