Ajiye kudi: Gudunmawar ba tare da hadarin.

Propensity ajiye - wani muhimmanci alama na dabi'ar mutum. Yawanci, da talakawan adadin tanadi - total samun kudin shiga na wani mutum samu daga daban-daban kafofin na tsawon watanni 3 zuwa shekara 1. Bisa ga kimiyya na fannin nazarin zamantakewar al'umma, a cikin wani wadanda mutane jiha, akwai game da 200 (!) Daga disparate zamantakewa kungiyoyin da suke da su darajar da wasu rubuce. A takaice - da ceton kudi ta hanyar gudummuwa tare da hadarin na iya zama saboda daban-daban a raga. Ga mutanen da suka bi da al'ada dabi'u da halayyar da mabukaci jama'a, wannan zai iya zama wani gagarumin bikin aure, na farko jinginar gida biya a kan wani gidan, sayen wani tsada mota. Ga wasu kungiyoyin shakatawa - wani babban yawon shakatawa, da sayen dukiya a kasar, jawabin a kan ayukan hutu (babur, jirgin ruwa, jirgin sama da sauransu).

A mafi sauki hanyar ajiye kudi - replenish banki ajiya. Za mu iya cewa shi ne - da taimako na hadarin-free, tun da aminci da adibas zuwa dubu 700 rubles tabbatar jihar Reserve (a Rasha - Agency Deposit Insurance), a cikin abin da kowane banki da ciwon lasisi, sa gudunmawar. Babban hasara na da irin wannan tanadi - low amfani rates (har zuwa 12%), saboda kudi ne kullum depreciating. To, waɗanda suka tunani game da jari, shi ya kamata a tuna da - a real kumbura a Rasha a karshen shekarar 2012, yawan fiye da 15%!

Zabi zuwa sabis na bankin ajiya (a gaskiya, da taimako ba tare da hadarin) da wani mutum wanda ba shi da ilimi na musamman, kadan. Misali shi zai iya zama ruwa kudin, amma a kan bala'i da tattalin arzikin Amurka ko Tarayyar Turai kasashe shi ne quite m. Daya daga cikin zabin - zinariya, amma da bin doka (ta hanyar da Savings Bank), yana yiwuwa ya saya kawai yawa mafi girma farashin.

Duk da haka, akwai wani hanya - da su zuba jari a wani steadily girma kansu na Rasha tattalin arzikin - gina micro-bashi da kasafin kudin masauki. Bayan duk, da "Alpha Omega" na mu tattalin arzikin - mai, da kuma a cikin shekaru masu zuwa, bisa ga masana, da farashin matakin na ba-sabunta hanya zai zama guda, ko kara. A sakamakon haka, inflow na kudin kasashen waje a Rasha za su ci gaba. Saboda haka, mabukaci aiki zai zama high, da kuma kudi kansu za su ci nasara ba.

Da damar zuba jari a cikin wadannan masana'antu na samar da Lardi Financial Corporation kungiyar na kamfanoni, ciki har da micro-finance kungiyar "MFI-Banking", da developer ta kasafin kudin masauki "TAMBAYA", yawon shakatawa kamfanin "EstKlab Rus". A kudi kashe a real ayyukan yawa (ba reborrow daga Babban Bankin a wani babban kudi na refinancing, kamar yadda akan yi da bankunan), sabili da haka samar da wani lamuni na riba - 17% annum. Saboda haka muna iya cewa wannan shi ne wani taimako zuwa yau. Credit kudi da kuma low-cost gidaje za su kasance a cikin bukatar da har abada! Bugu da kari, da "Babban Birnin Finance Corporation" ne shirye-sanya mafita ga saye da gama gidaje a manyan LCD a Moscow ko da Moscow yankin.