Mefuta ea taolo ea lichelete

Tlhokomelo ke e 'ngoe ea mesebetsi e ka sehloohong ea ts'ebetso eohle ea tsamaiso, ' me ka boemong leha e le bofe. E etsoa ka likarolo tse fapaneng tsa sechaba, ho itšetlehile ka hore na mefuta e loketseng e fanoe ka likarolo tsa eona: ka mohlala, mofuta oa taolo ea lichelete le ba bang.

Ho tsosolosoa ha lichelete, ho ba mokhoa oa ho phethahatsa mosebetsi oa bona oa taolo, ho hlokahala molokong o thehiloeng likamanong tsa chelete. Ka tlhaho, maemong a moruo oa maruo, karolo ea ho laola chelete e phahame haholo-holo.

Tlhokomelo ea lichelete ke ea bohlokoa haholo bakeng sa ho netefatsa ts'ebetso e sebetsang ea tsamaiso eohle le ts'ireletso ea eona, ts'ebetsong ea pholisi e nepahetseng e sebelisoang ke naha.

Lipakane 'me, ho ea ka moo, mesebetsi ea taolo ea lichelete e senola seo e leng sona. Sepheo sa bona se ka sehloohong ke ho fumana boitsebiso bohle bo hlokehang mabapi le ts'ebetso ea litsamaiso tsa tsamaiso ea lichelete maemong a mabeli (micro and macro) ka nako e loketseng, hammoho le tlhekefetso e fumanoeng. Ka lebaka la boitsebiso bo fumanoeng, ho ba bonolo ho etsa liqeto tse hlokahalang ho laola mehato ena. Hape li phethahala hantle mesebetsing ea lichelete tsa lichelete.

Bohareng ba mokhatlo o hlophisitsoeng le boitšoaro ba lichelete tsa lichelete ke melao-motheo e itseng ea taolo ea lichelete. Li akarelletsa:

• Taba ea molao - molao o teng o tiisang taolo;

• Sepheo - ho se na khethollo le ho nepahala ha liqeto;

• Boipuso - bo tiisetsoang ke molao oa hona joale;

• Ho phatlalatsoa - ho fumaneha ka kakaretso ea liphello ho laola hore melao le litaelo tse amanang le liphiri tsa naha le tsa khoebo li hlokomeloa;

• Boikarabello - boikutlo bo botle ba tumelo le ho phethahatsoa ke basebetsi ba lihlopha tsa botsamaisi mesebetsing ea bona ea molao;

• Ho tlosoa ha mesebetsi le matla - ho nka hore ha ho na ho pheta-pheta mosebetsing oa mefuta e fapaneng ea ho laola;

• E hlophisitsoeng - e bolela motheo o le mong oa molao le periodicity ho etsa mehato e tobileng ea ho laola mehato ea lichelete.

Mefuta ea taolo ea lichelete e khethoa ke mekhahlelo e sa tšoaneng.

Ho laola le ho tsamaisa mekhatlo e kopanyang mefuta e 'meli:

• E ka ntle, e sebelisoang ke mebuso, mekhatlo ea puso ea sechaba le ea lichelete kapa mekhatlo;

• Ka hare, ke hore, taolo ea 'mele e phahameng ho ea ka tlaasana, mosebetsi oa ka hare, oo mosebetsi o hlophisitsoeng oa mokhatlo ona o tiisitsoeng o tiisitsoe.

Tšebeletsong ea lichelete, mefuta e latelang ea taolo ea lichelete e khetholloa:

• Lekhetho - tsamaiso ena e laola ho lumellana le molao, ho nepahala ha ho bala lekhetho, hammoho le mefuta e meng ea lichelete tse tlamang, botlalo le nako e nepahetseng ea tefo ea bona;

• Lichelete tsa lichelete - tsena ke lipatlisiso tse hlophisitsoeng le liphuputso tse rarahaneng tse etsoang ho laola ho fumana lichelete tsa lichelete, hammoho le lichelete tse tsoang licheleteng tsa ' muso tse eketsehileng le tse sebelisoang;

• Bank - e sebelisa matla a ho laola ka tekanyo ea katleho ea tšebeliso ea likoloto tsa banka, morero oa eona oa ho tiisa le ho tšehetsa taeo ea tefo;

• Phetoho ea kantle ho naha - e ikemiselitse ho latela ho latela melao ea hona joale ea ts'ebetso e entsoeng le ho fumaneha ha li-license le tumello e hlokahalang bakeng sa sena;

• Inshorense le ba bang.

'Me qetellong, ho na le mefuta ea taolo ea lichelete nakong ea ts'ebetsong:

• Pele - etsa pele o etsa ts'ebetso leha e le efe e amanang le chelete ea chelete, e thusa ho thibela tlōlo ea taeo ea lichelete;

• Tshebetso kapa hona joale - etsa ha o etsa ts'ebetso ea chelete;

• E latelang - e etsa ka morao ho ts'ebetso ea chelete, tabeng ena tekanyo ea taeo ea lichelete, tlhekefetso e ka khonehang le mehato e lekaneng ea ho felisoa ha eona e khethoa.