I-Business Definition of Equity

Njengomntu ngamnye, ukulingana kuchazwa njengomgangatho wobulungisa kunye nokungakhethi, okuyizinto ezinobungozi bomnini-shishini lomncinci. Nangona kunjalo, kwimali, ukulingana ngokubanzi kubhekisela kwixabiso lexabiso emva kokunciphisa ixabiso lematyala. Kwishishini, ukulingana sisisombululo semali, i-inventory kunye nezinye iimpahla, ubuncinane ngaphantsi, iimboleko kunye namanye amatyala.

Iifom ezahlukeneyo zoBulungisa kwiBhizinisi

Nangona ixesha elilinganayo limelela uhlobo oluthile lwexabiso leshishini, linokusetyenziswa ezininzi ekuchazeni iinkcukacha ezithile zexabiso leshishini kwiimeko ezahlukeneyo:

1. Inzala yobumnini kwinkampani njengoko imelwe yimfihlo okanye isitokisi. Ukuba isitokisi esipheleleyo sisekhompyutheni engathengiswanga esidlangalaleni, ibizwa ngokuba yi-equity equity. Ukulingana kuthetha ukuthatha inzala yabatyalomali kwishishini loshishino . Abatyalomali banakho ukwabelana ngamashishini okulingana kwiqumrhu ngendlela yesitokhwe esifanayo okanye impahla ekhethiweyo. Ubunikazi bezobambiso kwi-nkampani kuthetha ukuba umnini-mveliso waso wokuqala usenayo i-100 ekhulwini kwenkampani kodwa wabelane nobunikazi nabanye, abaziwa njengabanini-nxaxheba.
2. Kwiphepha lokulinganisela kwenkampani, ukulingana kumelwa ngala ma-akhawunti: i-stock evamile, ikhefu ekhethiweyo, inkunzi-mali ehlawulwayo, kunye nokugcinwa kwemali .
3. Ukuba ungumtyalomali kwimarike yemasheya, ama-equity are stocks, enye yeeklasi ze-asethi ezinqununu kwi-portfolio yakho.
4. Ukuba ungumtyalomali kwiimarike zeemasheya kwaye ujoyina ukuhweba kwemida, ukulingana kubonisa ukubaluleka kwee-securities kwi-akhawunti ye-margin ngaphandle kokubolekwa kwindlu yokuthengisa.

1. Ukuba uthetha nge-real estate, ukulingana, okanye ixabiso lepropati yangempela ngumlinganiselo phakathi kwexabiso lemarike elungileyo lepropati kunye ne-balance balance on the mortgage.
2. Ukuba ishishini lakho liya kuphazamiseka kwaye kufuneka uhlawule, imali eseleyo (ukuba kukho) emva kokuba ishishini libuyiselwe ababolekiweyo kuthiwa "ukulingana kobunikazi," okanye inkunzi yemali okanye inkunzi enkulu.

Ukusebenzisa ngalinye lemiqathango kuxhomekeke kumongo. Zonke ezi ndlela zezobulungisa zikwabelana ngentambo ebalulekileyo. Elowo nalowo ngokulinganayo ulingana nesibalo semali yokufumana imali, i-inventory kunye nezinye izinto eziphathekayo, ubuncinane ngaphantsi, iimboleko kunye namanye amatyala.

Umzekelo onobulungisa kunye noNgehluko

Cinga ukuba uJoe ufuna ukuthengisa ishishini lakhe, ukulungiswa kweekhompyutheni zeJoe e-Joe. Akayiyakhe isakhiwo esikuyo, kodwa unayo i-$ 10,000 yezixhobo zokusebenza kunye ne-5,000 zama-akhawunti kwiingxelo ezifunyenweyo kumakhasimende akhe. Phakathi kwesakhiwo sakhe sokuqeshisa kunye nokubolekwa kwemali mboleko, uhlawula i-$ 5,000. Nangona le ngcamango elula kakhulu, uJoe unama-$ 10,000 wokulingana kwishishini lakhe.

Ubulungisa bungabanako. Ukuba uJoe unetyala elingaphezu kwe-$ 15,000 kwimali-mboleko nakwezinye iitalato, isikhundla sakhe sokulingana sasingabikho.

Xa kubalwa ukulingana, kunye nexabiso lempahla, ngokukodwa kwiinkampani ezinkulu, ezi zinto zingabandakanya zombini izinto ezibonakalayo nezingenakwenzeka. Iimpahla ezingabonakali zizinto onokuzichaphazela, njengempahla okanye ipropati. Iimpahla ezingabonakaliyo zingabandakanya idumela lenkampani kunye nobuni benkampani okanye ukulingana kwempawu.

Olu hlobo lokulingana lwakhiwa ngeminyaka yokusebenza kwishishini kwaye isebenzise ngempumelelo isiseko sakho somthengi. Iyona nto iboniswe ngokulula kumbakala ophakathi kwegama eliyaziwayo kunye nomqondiso oqhelekileyo.

Xa uthengisa, ngesampula, unokufikelela kwigama legama lomthengiso ngenxa yokuba uyazi kwaye uyayithemba, kwaye ungakhethi uphawu lwe-generic nangona lubiza ixabiso elingaphantsi.