Amakhono atholakala yi-Majors ezezimali
Izindleko zezezimali zihlakulela amakhono okuhlaziya ukuze kuhlakazwe izitatimende zezimali futhi zikwazi ukuma kwezimali zezinkampani, omasipala nezinye izinhlangano.
Bangakwazi ukuhlola ubuningi bezinkinga zebhizinisi kanye nokulinganisa izinkinga zebhizinisi futhi bahlole ukushicilelwa ngokwezimali kwezenzo zamabhizinisi nezomuntu ngamunye. Uma ukhathazekile yilokhu, lolu hlu lwamakhono amakhulu wezezimali luzokunikeza ulwazi oluthe xaxa.
Abaphothula iziqu nge-degree e-finance nabo bathola indawo enezipredishithi nezinye izinhlelo zokusebenza ezisetshenziselwa ukucubungula nokumelela idatha yezimali. Bafunda ukwethula ulwazi lwezezimali kumaklayenti kanye nozakwabo abanezigaba ezihlukahlukene zokuxilongwa kwezezimali.
Isizinda semfundo e-finance singasetshenziswa emkhakheni omkhulu wemisebenzi cishe kuwo wonke umkhakha. Ngaphambi kokuba ufinyelele esinqumweni sokugcina sokusebenza, cabangela inhlanganisela yakho eyingqayizivele yamakhono, izithakazelo, izindinganiso nezici zobuntu.
Imisebenzi eyishumi ephezulu ye-Finance Majors
Nazi ezinye izinketho okufanele uzicabangele njengoba uhlola imisebenzi ehlobene nezinga lezezimali.
1. Umhleli Wezezimali
Izindleko zezimali zifunda ngezimoto ezihlukahlukene zokutshalwa kwezimali, futhi lolu lwazi lungasiza abahleli bezezimali ukuba banxuse amaklayenti ngendlela yokuphatha izimali zabo.
Izindleko zemali zingakwazi ukucacisa izitayela ezimakethe zokugcina izimpahla futhi zisebenzise lo mbono ngezikhathi zabo zokuhlela.
Abahleli bezezimali kumele basebenzise izinombolo futhi basebenzise imigomo yokubalwa kwemali ukuze bahlele izinhlelo ezifanele ngabanye abatshalizimali. Bakudinga ukugqugquzela ukwethemba nokukhuthaza izinsizakalo zabo.
Ngakho-ke, ama-majors ezemali ngamakhono aqinile okusebenzelana namakhono kanye namakhono akhuthazayo cishe azophumelela kulo msebenzi.
2. Umhlaziyi wezimali
Amasheya okucwaninga ngezimali zezimali, amabhondi, izinkampani, kanye nezimboni ukusiza abanini bamabhange, abatshalizimali kanye nezikhulu zezezimali zezinkampani ngokuhlanganisana, ukuthenga, kanye nokunikezwa kwempahla / izibambiso, kanye nokwehliswa kwempahla kanye nokuhlelwa kabusha. Bangakwazi ukugxila ekuqeqeshweni kwezimali ezinkulu njengoba behlakaza izitatimende zezimali kanye neminye imininingwane yezimali.
Abahlaziyi bezezimali bakhela onobuhle bezimali futhi baqhuba ukuhlaziywa okunomqondo okuyinkimbinkimbi. Abahlaziyi bezezimali baveza nemibiko echaza ukutholakala kwabo futhi baveze ukuhlaziya kwabo kwamanye amalungu eqembu lebhange noma lezezimali.
3. Umxhumanisi wezobudlelwane bezentengiselwano
Izindleko zemali ngokubhala okuqinile, amalungiselelo, nokuxhumana zingakwazi ukukhula kule ndima. Abaqeqeshi bezobudlelwane bezentengiselwano balungiselela futhi babonise ulwazi lwezezimali mayelana nenkampani yabo noma amaklayenti ezinkampani kubatshalizimali, abahlaziyi kanye nemidiya yebhizinisi.
Ochwepheshe bezobudlelwane bezentengiselwano kufanele bemba, bahumushe, baqokomise futhi banikele ulwazi kusuka ezitatimendeni zezezimali. Amathuluzi okuhlaziya kanye nesofthiwe asethuthukisiwe ngokusebenzisa i-finance enkulu eyenza le nqubo.
4. Umhlaziyi Wezezimali
Abahlaziyi bezejethi basebenzisa imithetho yezimali kumaphrojekthi kanye neziphakamiso emkhakheni wezamabhizinisi, ezemfundo, ohulumeni kanye non-for-profit. Bahlaziya isabelomali futhi bahlolisise umthelela wezezimali wezinhlelo eziqhubekayo ezintsha.
Abahlaziyi bamabhajethi kumele bahlaziye amakhono okuxhumana ngoba baxoxisana nabaphathi ukuqoqa ulwazi ngeziphakamiso. Baphinde baqeqesha abasebenzi mayelana nezinqubo zokuthuthukiswa kwesabelomali zenhlangano yabo. Izindleko zezezimali zihlakulela amakhono okuhlaziya nokuxhumana okubalulekile kumcwaningi wesabelomali ophumelelayo. Nakhu ukubuka amaholo ajwayelekile abahlaziyi bezimali .
5. Ukuhlala endaweni
Izindleko zidlala indima yokuhola emabhizinisini ahlose ngokwezezimali njengomshwalense, amabhange, ama-ejensi wokulinganisa, namafemu e-accounting. Umqeqeshi wezezimali onamakhono aqinile wezibalo ahlelwe kahle ukubala amathuba emicimbi ehlukahlukene nokuhlola imiphumela yezezimali kulawo miphumela.
Njengabaningi bezezimali, ama-actuaries asebenzisa isofthiwe yokwenza izibalo futhi abamele ukutholakala kwabo. Bethula izincomo zabo kubaphathi emkhakheni wabo futhi bakhuthaze abanye ngokuzwakala kwezinqumo zabo. Funda kabanzi mayelana namaholo wabasebenzi .
6. Umcwaningi
Izindleko zezimali zifunda ukwakhiwa, ukuhumusha nokuhlaziya izitatimende zezezimali ngenkathi kuqedela ingxenye yezimali zokufunda zazo. Ngakho-ke, bayakwazi ukwenza umsebenzi obanzi wokubalwa kwemali ezimbonini ezithintekayo ngokwezezimali.
Abafundi bezezimali bahlakulela amakhono amaningi e- akhawunti njengoba befunda ukuhlaziya izinkinga zebhizinisi ngokucophelela nokunakwa imininingwane ekulungiselela umhlaba wokuphendula. Njengabaningi-akhawunti, izikhulu zezezimali zifunda ukwethula ulwazi lwezezimali kumakhasimende nakwabalingani ngokusebenzisa amashadi, amagrafu, nezinye izinsiza ezibukwayo.
Imisebenzi yokubalwa kwezinga lokungenela ingaba yimisebenzi engena esangweni eholela ezikhundleni zokuphathwa kwezezimali, noma izikhundla ezingenzi inzuzo kanye nama-ejensi kahulumeni. Buyekeza iziqondiso zemiholo yabakhawunti .
7. Umhlaziyi wezikweletu
Abahlaziyi bezikweletu bahlola ukuma kwezezimali kwamathenda okuboleka imali futhi bahlole izingozi ezihilelekile ngokuzinikeza ngemali. Izindleko zezezimali zifunda ukuhlola ukusebenza kwezimali zezinhlangano futhi zihumushe amarekhodi abo kanye nedatha. I-mindset yokuphenya yesikhulu sezezimali izokwenza ukuthi umhlaziyi wezikweletu ahlolisise ukufaneleka kwelwazi lwezezimali olunikezwa amakhasimende.
Izindleko zezezimali zihlaziya izitayela ezimbonini ezingathinta ikhono lezinhlangano ukuba zenze imali engenayo edingekayo ukuze kubuyiselwe imali. Unamakhono okuxhumana adingekayo ukuze abahlaziyi bezikweletu bakhiphe ulwazi oluvela kumakhasimende abazoba khona futhi badlulisele ukuhlaziya kwabo osebenza nabo. Nansi ulwazi oluthe xaxa mayelana nomholo we-analyst credit.
8. Ummeli
Abameli ezindaweni eziningi zomsebenzi kubandakanya isahlukaniso, umthwalo wemikhiqizo, ukuthethwa kwamacala omphakathi, izinkampani, ezemisebenzi, kanye nokugcinwa kwamasheya okuzuza ngokuthola ulwazi ngezezimali. Abameli abaphenya ngokungalungi kwezezimali kumele bafunde futhi baqonde izitatimende zezimali. Abameli ezimweni zomphakathi badinga amakhono okulinganisa isinxephezelo esifanele sokuhlala.
Amakhono okucwaninga nokuhlaziywa asetshenziswe yi-finance fund avumela abameli ukuba balungiselele amacala abo. Amakhono okwethulwa nesakhiwo nesofthiwe yesethulo kusiza abameli ukuba bahambisane nezimpikiswano futhi balungise imibukiso. Nansi ulwazi lomholo kwabameli .
9. I-Agent Real Estate Agent
Izindleko zezezimali ngezimpawu ezinamandla zokukhuluma futhi ukuhweba okumele kudingeke kubhekane nomsebenzi njenge-ejenti yezohwebo. Ama-agent angamabhizinisi angaphandle ahlaziye izinhlelo zebhizinisi nesimo sezimali samaklayenti ukuze batusa izikhala ezifanele zamabhizinisi abo.
Uma ubhala indawo, abadayisi kumele balinganise ukubaluleka kwendawo esekelwe emandleni abo abathengi abazoba khona. Amagceke anikezela amaklayenti ngezinketho zokuxhasa imali yokuthengwa kwempahla nokuqalisa amabhizinisi amasha. Bheka isamba semali ye-agent ye-real estate agent.
10. Umfundisi Wezebhizinisi
Izindleko zezezimali ziyakwazi ukukhulumisana nokukhulumisana kwamakhono okubalulekile emsebenzini wokufundisa. Othisha bezentengiselwano badonsa ulwazi olubanzi lwebhizinisi njengoba befundisa abafundi esikoleni esiphakeme mayelana nezinto eziyisisekelo zokubalwa kwezimali, ukuphathwa, ukumaketha nokutshala izimali.
Izindleko zezezimali ngekhono elijulile ngezwe lebhizinisi kanye nomdlandla wezindaba zebhizinisi zifanelekile kule ndima. Abantu abathola ama-degree aphakeme ebhizinisini bangaphishekela nokufundisa imisebenzi emakolishi aseminyaka emine neyomine. Buyekeza ulwazi lomholo kubothisha bebhizinisi.