Iifom ezahlukeneyo zeShishini zidibeneyo zineempembelelo ezahlukeneyo
Ekubeni ukudibanisa kuyathandwa ngenxa yezizathu ezininzi, kubalulekile ukuba abanikazi boshishino baqonde iinkcukacha ezibangqongileyo.
Abahlanganisi abaHlangeneyo
Ukudibanisa okuhambayo kukuhlobo lokungabikho kwemali. Ngamanye amazwi, ukuhlanganisana okungaqhelekanga kwenziwa ngenxa yezizathu ezingenakukwenza nemali, ubuncinci ngokuthe ngqo. Ngokucacileyo, ukuhlanganisana okungaqhelekanga ngokuqhelekileyo kukufumana umncintiswano onomgca omnye wezoshishino njengeshishini lokufumana. Ngokufumana umncintiswano, inkampani yokufumana iyancipha ukuncintisana kwindawo yokuthengisa.
Omnye umzekelo obalaseleyo wokudibanisa okuhamba phambili kwiminyaka engama-30 eyadlulayo kumashishini asebhankini. Ngowe-1980, uMthetho woLondolozo lweMali kunye noMthetho woLawulo lweMali ka-1980 wenziwa yiCongress. Lo mthetho wawuvumela utyalo-mali kunye neebhanki zentengiso ukwabelana ngeminye imisebenzi efanayo. Kwakhona kwavumela iibhanki ukuba zisebe kwiinkalo zombuso kunye nokwandisa amandla eenkampani eziphethe ibhanki.
Lo mthetho wokurhoxisa wenza ukuba utyalo-mali kunye neebhanki zorhwebo zibandakanye ukuhlanganisana okungaphezulu kunokuba bezange bavunyelwe ukuba benze ngexesha elidlulileyo.
Isiphumo sasiyintlukwano kwibhankini yebhanki kunye neebhanki ezimbalwa. Iibhanki zotyalo-mali ziza kunika iinkonzo ezenziwa kuphela iibhanki zorhwebo ukuba zinikeze ngaphambi kowe-1980 kwaye ngokuthe ngqo. Amancinci, iibhanki zasekuhlaleni zagqitywa ngeebhanki ezinkulu zommandla. Inqobo yenkcazo yentlangano ehambelanayo yenzeke kwizinga elikhulu - abakhuphiswano abakhulu bafumana amncinci amancinci kwaye umphumo waba mabhanki ambalwa e-US
Xa kuqhutywe iPhulo eliPhambili lika-2008, sabona ezinye zeziphumo zesenzo sokumiswa kwee-1980. Ezininzi iibhanki zahluleka. Iibhanki ezinkulu zokutyalomali zazixhaphaze amandla awanikezwe ngumthetho wokulahla. Kwakukho umnxeba wokumisela kwakhona kwimveliso yebhankini. Esi sizathu sokuba amajelo karhulumente anxamnye nethemba abukele ngokuqinileyo ukudibanisa. Ziyakwazi ukukhokelela kumandla emarike kakhulu kwiifemu zokuzuza.
Abadibanisi beefayile
Ukudibanisa ngokulinganayo okanye ukudibanisa okubonakalayo kwenzeka xa ukufumana iqumrhu lithenga abathengi okanye abathengisi beempahla kunye neenkonzo kwiinkampani. Ngamanye amagama, ukuhlanganiswa okuqhelekileyo kudla phakathi komenzi kunye nomthengisi. Kudibanisa phakathi kweenkampani ezimbini ezivelisa iimveliso ezahlukeneyo okanye iinkonzo ngokubhekiselele kwiinkqubo zokubonelela kwimveliso ethile yemveliso yokugqibela. Ukudibanisa okuqhelekileyo kwenzeka ngokuqhelekileyo ukwenzela ukwandisa usebenze kakuhle kunye neenkcukacha zokubonelela, okwakwandisa inzuzo yenkampani yokufumana.
Njengamanyathelo angqameneyo, ukudibanisa okungafaniyo kunokubangela iingxaki zokuchasana nokuthethelela kwiimarike ngokunciphisa ukhuphiswano. Umzekelo uza kuba ukuba inkampani yokuvelisa imoto yayiza kuthengisa amanye amashishini akhoyo kunye neenkcukacha zokunikezela.
Kuthatha iintlobo ezahlukeneyo zamashishini ukuxhasa ukuveliswa kwemoto. Ukuba inkampani yezimoto zathengisa inkampani yokuloba ibhanti, iinkampani ezenzile iindawo ezahlukeneyo zebhanki kunye nokuhambisa, kunye nemithombo yezinto ezibonakalayo, ukuthutha, iteknoloji, kunye nokuthengisa, cinga amandla okuthengisa okuya kufikelela kuloo moto nkampani. Kuya kulawulo ngokugqibeleleyo intlawulo yezithuthi zayo ngaphandle kokuqwalasela naziphi na ezinye izinto. Leyo yindlela yamandla emakethe ukuba imithetho yokuchasana ifunyenwe ukulawula.