Amaphuzu Wokuxhumana
Esikhathini esiphezulu sokugcina izimali ze-Wall Street, umphathi wokuxhumana oyinhloko kumakhasimende angeke abe ezezimali kungenzeka abe ngumqashi omkhulu wezokutshalwa kwezimali, ikakhulukazi onekhono lokubhalisa okubambisene noma ukuhlanganiswa nokuthengwa.
Ngaphandle kwalokho, uma iklayenti isebenza ngokuqinile ukugcina amasheya, umuntu wokuthengisa isikhungo noma isikhulu se-akhawunti angaphatha ubuhlobo. Ebhange lokuhweba, lowo menenja wobudlelwane kufanele abe isikhulu esiphathelene nokuboleka imali , uma kwenzeka iklayenti esebenzisa imali ebhange.
Ummeleli oyinhloko wekhasimende elingasona ezezimali lapho esebenzisana namafemu okugcina amasheya noma amabhange ezentengiselwano mhlawumbe uyoba ngumphathi emnyangweni wezimali . Ebudlelwaneni namafemu okuphathwa kwezimali zokutshala izimali eziphatha impesheni yomsebenzi kanye no 401 (k) ama-akhawunti, umphathi emnyangweni wemithombo yabantu ufanele abe ngummeleli we-corporation.
Amakhasimende Amabhizinisi Amancane
Amabhizinisi amancane, ikakhulukazi labo abangenazo izikweletu zomphakathi noma ukulingana, ngokuvamile baphathwa njengamaklayenti abathengisa . Ama-akhawunti abo ngokuvamile azosetshenziswa ngabeluleki bezezimali emafenini okugcina izimali noma ngamabhizinisi amancane okuboleka amabhizinisi kumabhange ezentengiselwano.
Amakhasimende Emisebenzi Yomkhakha Wezezimali
Kukhona inani elikhulu lokubhekana namafemu embonini yezinsizakalo zezezimali, ngisho naphakathi kwamafemu amakhulu, ahlanganisiwe, ahlukahlukene. Ngokuyinhloko, amafemu okugcina amasheya enza njengabenzi bemakethe kumele abe nemali enkulu yokuhweba nsuku zonke phakathi kwabo, ukuphatha amasheya abo okugcina amasheya kanye nokugcwalisa ama-client amasheya angabanikazi okwamanje.
Ukwengeza, ukugcinwa kwamasheya okubambisana ngokuvamile kudinga ukuhlelwa kobudlelwane obuhle (okuthiwa ama-syndicates) phakathi kwezinombolo zamafemu ukusabalala engozini yokubhala phansi nokuthola abathengi bezimiso zokuphepha manje. Okukhudlwana ukukhishwa kwamasheya, okukhudlwana okumele kubhalwe phansi kanye nokudayiswa kwezimpahla kuzoba khona.
Abantu Abacebile kakhulu
Abantu abanamanani aphezulu kakhulu (isibonelo, labo abanezigidi ezingaphezu kwezingu-dollar ayizigidi) bangase bakhonze ngamashaneli okuthengisa amaziko, kunokusebenzisa iziteshi zomeluleki zezezimali ezikhonza amakhasimende abathengisa. Lokhu kuyiqiniso ikakhulukazi uma laba bantu benabeluleki babo bezezimali (noma amahhovisi omndeni) ngaphandle kwe-firm in question, futhi esikhundleni salokho basebenzise leyo nkampani ngokuqinile ukwenza amakhompuyutha nokuthola imikhiqizo yokutshalwa kwezimali.
Imithetho Yebhizinisi Yesikhungo
Qaphela ukuthi iminyango ethile kanye nemigqa yebhizinisi embonini yezinsizakalo zezezimali ngokuvamile ichazwa njengezikhungo zemvelo. Ibhange lokutshala izimali yisibonelo esisodwa, esekelwe esimweni samakhasimende.
Ukuhweba kwezokuphepha kuyinye isibonelo; nakuba lo msebenzi ukhonza amaklayenti omthengisi kanye nezikhungo, ukunyuka kwevolumu yokuhweba kuvame ukuba egameni lezikhungo.
Futhi, umsebenzi wokuhweba uvame ukuba nezibopho eziseduze nomsebenzi webhange lokutshala izimali, okudala izimali ezizobe zithengiswa emakethe yesibili.
Nakuba imibiko kanye nokuhlaziywa okwakhiwa yiminyango yokucwaninga kwamasheya ngaphakathi-endlini kuvame ukubhekiswe kubeluleki bezezimali abathengisa abathengi kanye namakhasimende athengisa, la maqembu cishe ayohlelwa ohlelweni lwesikhungo senkampani ehlukahlukene.