Mapeto a ndalama zogwirizanitsa ndalama ndizofunika mtengo wa magalimoto oyendetsa galimotoyo ndi ntchito yolondola ya ndalama zomwe ali nazo kwa eni ake. Izi ndizo zikuluzikulu zazikulu kwa akuluakulu a zachuma, olamulira komanso ogwira ntchito ku makampani omwe ali ndi ngongole.
Mbali za Zogulitsa Zogwirizanitsa
Ikuphatikizapo ntchito zosiyanasiyana zofunika, zomwe zingakhale zochitidwa ndi anthu ogwira ntchito m'nyumba kapena zogwiritsidwa ntchito kwa anthu ena, monga mabanki osungira:
- Kuwerengera kufunika kwa ndalama zake zapakhomo tsiku ndi tsiku. Onani zokambirana za mtengo wamtengo wapatali (NAV) pansipa.
- Kuyembekezera ndi kujambula zonse zopeza, monga magawo ndi chidwi.
- Kuwonjezera mokwanira chiwongoladzanja pazogwirizanitsa ndi zina zoterezi zopezera ndalama zomwe zikugwiritsidwa ntchito muzolowera zamalonda.
- Kuwonetsa bwino kuchotsera kapena kuchotsera pa kugula zinthu. Onani tsatanetsatane wafotokozedwa apa.
- Kulemba zonse zogulitsa malonda, monga kugula ndi kugulitsa ndalama zapakhomo.
- Kulemba zonse zopindulitsa, zomwe ndizomwe zimachokera ku ndalama zogulitsa.
- Kulembetsa zonse zimapereka ndalama komanso zimatuluka chifukwa cha kugula ndi kuwomboledwa kwa magawo ndi azimayi.
- Kusunga zolemba za magawo omwe ali nawo, ndi malonda omwe anapangidwa, ndi aliyense wogwira nawo ntchito mu thumba.
- Kuwongolera kugawa kwa ndalama ndi zopindulitsa zomwe zimaperekedwa kwa eni ake m'thumba.
Muzigawo zabwino kwambiri za mutual funds accounting departments, ntchito izi zidzakhala zovomerezeka kwambiri. Komabe, zina zowonjezera zowonjezera, ndemanga, ndi kusintha komwe kungakhale kotheka.
Phindu la Ndalama
Kawirikawiri zifupikitsa NAV, ndizofunika phindu la ndalama zomwe zimagwirizanitsidwa ndi chiwerengero cha magawo awo. Msonkhano wachigawo ndi kuwerengera NAV kumapeto kwa tsiku lirilonse la malonda, malingana ndi kutseka mtengo wa chigamulo chonse chomwe chilipo. NAV imaganiziranso ntchito zina zomwe tazitchula pamwambapa.
Kulamula kugula kapena kugulitsa magawo a mgwirizano wothandizana nawo akuchitidwa pa NAV kutseka tsikulo ngati alandiridwa musanafike msika. Ngati sichoncho, amaphedwa pa NAV yotseka tsiku lotsatira.
Bond Amortization
Ngati kugula kumagulidwa pamtengo kapena phindu la mtengo wake (kutanthauza mtengo wamtengo wapatali kapena wapamwamba kusiyana ndi mtengo wapatali umene udzabwezedwe kwa wochita malonda akugwira nawo nthawi yobereka), kusiyana pakati pa mtengo wogula ndi Mtengo umalembedwa m'kupita kwa nthawi monga kusintha kwa ndalama zomwe zimapangidwa ndi mgwirizano.
Ndalama za chiwongoladzanja zomwe zimagulidwa pa ngongole yomwe idagulidwa pa chiwongoladzanja idzakhala yayikulu kusiyana ndi malipiro enieni omwe analandira.
Pa mgwirizano wogulitsidwa pamtengo wapatali, udzakhala wotsika. Ndalamazo ndizoti kuchotsera kapena kubwezeredwa kulikonse kwa kugula chigwirizano chokhwima sichidzazindikiridwa ngati kupindula kapena kubwezeredwa kwa ndalama, koma m'malo mwa kusintha kwa ndalama. Kuchotsa malonda kumawerengedwa tsiku ndi tsiku ndi ndalama zonse.
Phunziro la Mlanduwu
Ichi ndi chitsanzo chabwino cha machitidwe omwe akukumana nawo mu ntchito yolankhulana. Banki yosungira ndalama zogulitsa ndalama zinapereka ndalama zothandizira ndalama ku makampani omwe amagwiritsidwa ntchito kale kuti asungidwe. Zomwe zimagwiritsidwa ntchito pazinthu zowonjezera ndalama, mu nkhaniyi, zinkakhudzidwa makamaka ndi kuwerengera tsiku ndi tsiku kwa mtengo wamtengo wapatali (NAV). Mabanki ndi makampani omwe amagwirizana nawo anali osakhutira ndi nthawi yeniyeni ndi yolondola ya ziwerengero za NAV zomwe zachitika.
Bankiyo inagwira gulu la alangizi kuchokera ku bungwe lalikulu la azimayi akuluakulu a boma kuti liphunzire zomwe zikuchitika mu dipatimenti yothandizira ndalama komanso kugwirizana kuti zisinthe. Gulu lothandizira kuchokera ku bungwe la Big Four linatha masiku angapo likuwona mmene ntchito yothandizira ndalama zimagwirira ntchito, pogwedeza antchito ake pamene akugwira ntchito zawo za tsiku ndi tsiku. Alangiziwo adafunsanso ogwira ntchito ndi abwana awo, kuti amvetse bwino momwe amaonera maudindo awo, komanso kuti azindikire momwe adakhalira odziwa za munda wogulitsa ndalama.
Gulu lothandizira linapanga ndondomeko yambiri yazinthu mu dipatimentiyi ndipo inafotokoza izi ndi kasamalidwe, pofotokoza momwe ntchito zitha kukhalira bwino. Ofunsira amalangizanso kuti apange zokhazikika. Atapatsidwa chilolezo kuchokera ku mabungwe oyang'anira mabanki, alangiziwo ankafufuza ogulitsa mapulogalamu omwe anali ndi mapepala oyenerera kubanki. Kenaka amadziwitsa wina amene anali wokonzeka kusintha mchitidwe wake wokha kuti athe kukwaniritsa zofunikira zogwirizana ndi bankiyo komanso kusakaniza kwa makasitomala.
Kenaka, alangiziwo adalongosola mwatsatanetsatane mafotokozedwewa, ndikuyesa mapulogalamu ambiri pamene gawoli lidatsirizidwa, kutsimikiza kuti ziwerengerozo zachitika bwino, ndipo dongosololi linali lokhazikika komanso lodalirika. Gawo loyesa kulandira ogwiritsa ntchito linatenga miyezi ingapo ndikusowa mwatsatanetsatane ku tsatanetsatane.
Pamene ndondomekoyi inatsirizidwa ku zidziwitso, gulu lothandizira linayang'anitsitsa kuyika ndi kukhazikitsa kwake, ndipo linatsogolera maphunziro a ogwira ntchito, otsala malonda mpaka bankiyo ikakhala yabwino kuti njira zatsopanozi zikuyendera bwino. Zonsezi, polojekitiyi inatha pafupifupi chaka chimodzi, ndi gulu la alangizi atatu pa webusaiti tsiku lililonse.