I-Australian Treasure idlala indima ebalulekileyo ekulungiseni uqoqosho lwelizwe, kwaye ukujoliseka kwayo ekuxhobiseni ulutsha ngezoqoqosho kuye kwabonakala kakhulu kwiminyaka yakutshanje. Kubantu abaselula base-Australia abajamelene neengxaki ezahlukeneyo ezifana nokunyuka kwamaxabiso okuphila, ukutshintsha ngokukhawuleza kwemali, iziphumo ezingapheliyo zentengiselwano yezoqoqosho, i-Otherina icebe icebe inyathelo elifanelekileyo ekuxhobiseni isizukulwana esilandelayo ngobuchule bemali, amathuba emisebenzi, kunye ne-osomashishini elifunekayo ukuqhuba inqwelo-mafutha efunekayo ukuze baphumelele. Le nkqubo ayingomthetho nje elungele ukusetyenziswa; imele umngeni wexesha elide kwikomkhulu loluntu. Ngokukhuthaza ubugcisa bezemali, ulutsha olunolwazi, ulutsha oluneenjongo yokwakha ubuchule obuninzi nobuchule obuphambili. Kubafundi, nabafundi abanolwazi oluneengqalelo olubalulekileyo, abanolwazi oluneluvo lwamazwe awona qoqo-o

Inkcazo ecwangcisiweyo kaNondyebo wase-Australia kuMandla oLutsha

Kunokuba kube yinkqubo enye, indlela yeBhodi yeNkcubeko licebo elilungelelanisiweyo elidibanisa izixhathiso ezininzi zenkqubo. Injongo ephambili kukuhlisa ukungasebenzi kolutsha, ukuvala isithuba sobuchule, nokukhuthaza ukuthatha inxaxheba okuququzelelweyo kwezoqoqosho. Le nkqubo isekelwe kwinkqubo esekelwe kubungqina, ukuqulunqwa kogcino-lwazi olusuka kwi-Australian Bureauments of Statistics kunye nokucebisana ngezoshishino, abanikezeli bemfundo, nemibutho yoluntu. I-Union encedisana ngokusondeleneyo neSebe lomsebenzi kunye neSebe lemfundo ukuqinisekisa ukuba inyathelo avumelana kwaye amanani axhasani. Oku kuqonda ukuba ukuhambelana kwezoqoqosho akuphunyeliswanga ekufumaneni amandla okuzinzisa, ukuxhasa okufanelekileyo, ukusebenza ngentengokwasemgangathweni, nokuxhasa amaqela amaqela athenwa.

Ukukwazi Ukubhala Njengesiseko

Enye yezona zinto zingundoqo ekuxhotyisweni kwezoqoqosho kolutsha kukufumana imali yokubhala. Ngaphandle kokuqonda okuqinileyo koqingqo-mali, ukonga, ukutyalwa, nokuphatha amatyala, abantu abaselula basengozini yokuxhatshazwa ngokwemali kwaye iziphumo zexesha elide zingekho ngqiqweni. INgxowa-mali iye yasetyenziswa ekuxhaseni nasekukhuliseni iinkqubo zemfundo yemali kulo lonke elaseOstreliya.

Iqhinga lokukwazi ukufikelela kwemali

I-Australian Security and Investices Commission (ASIC) ikhokela i- Iqhinga leMali le-National Financial Campability State [[FLT: 1]], isakhiwo esixhaswe yi-Mootal. Eli cebo limisela umbono wesizwe wokuphucula impumelelo yemali yabantu base-Australia, ngogxininiso olunamandla kubantu abaselula. Igxininisa kwimiqathango emithathu engundoqo: imfundo, izixhobo, kunye neenkqubo zokuxhasa. Ngaphantsi kwale ndlela, izikolo zikhuthazwa ukuba zifake ukufundisa ngemali kwizifundo zemali kwizifundo zesikolo eziphumayo, kwaye imibutho yoluntu ifumana inkxaso yokuhambisa iziqendumiso zolutsha kwi-omatshini. Kwakhona eli cebo likhuthaza izixhobo zobugcisa ezifana ne-Monersmart, ezinikela izibonelelo ezikhululekileyo kumaqela amaqela amaqela ahlukeneyo, amaqela amaqela amaqela ahlukeneyo, amaqela amaqela asebenza ngokuqala amancinane amaqela awona amancinane asebenza kwimisebenzi.

Imfundo yemali esekelwe kwisikolo

Iveksi ixhasa ukufakwa kolwazi lwemali kwiCurriculum yase-Australia. Ngelixesha ingengombandela wenkcubeko, iingcamango ezifana noqingqo-mali, amalungelo abathengi, kunye nembumba yolwakhiwo zibotshelelwe kwiiMatematika nakwiimeko zoluntu. Iinkqubo ezifana nenkqubo ye-Malkmit Eating Studyation Program [] ibonelela uphuhliso lwezenkcubeko lwabafundisi kunye nezicwangciso zemfundo ezilungele ukusetyenziswa. Ezi zixhobo zinceda abafundi baqonde imizekelo yemali yehlabathi, njengexabiso lokuthenga imoto kwityala okanye iziphumo zokongoleko. Ngokujolisa abafundi phambi kokuba benze izigqibo ezingundoqo zemali, iinjongo zokwakha izizulelo ezibonakala zingenwa zingenayo kwimigibe yokuzibo kwaye zibangele kwixa elizayo zabo.

Impembelelo Kwindlela Abasebenzisa Ngayo Imali Abaselula

Izalathisi zokuqala zibonisa ukuba la manyathelo okufunda ngemali abangela umahluko. Uhlolisiso olwenziwa yiASIC lubonisa ukuba abantu abaselula base-Australia abaye baba nenxaxheba kwiinkqubo zemfundo yemali baqinisekile ngakumbi ekulawuleni imali yabo. Kwakhona banokuthelekisa iimveliso zemali kunye nokugcina imali egciniweyo ngexesha likaxakeka. Noko ke, iNgcitha zincwadi yemali yodwa ayinyangeli. Isebenza ngamacala ahlukeneyo amanye amanyathelo okuphendula imibango enkqenkqenkqeza phambili enjengemivuzo ephantsi yemivuzo yabasebenzi abatsha nokungabi namali efikelelekayo kwimisebenzi yebhanki ekwimimandla ekude.

Ukuvala Umsantsa: Umsebenzi Noqeqesho

Ukukwazi ukubhalisa imali kufuneka kudityaniswe namathuba engeniso yokwenene. INgci yemali ibingundoqo ekuyileni nasekuxhaseni imigudu yengqesho enceda abantu abaselula bafumane inkxaso ephambili kwishishini lengqesho.

Iinkqubo zofundo lomsebenzi kunye nemisebenzi yolutsha

[[NTLT:0] Umsebenzi wobuntwana (Ukulungelelanisa, Ukuvavanya, iHire) udweliso lwenkqubo olungundoqo olunika inyathelo elibalulekileyo lokusebenza. NgoPaTH, abatsha bafumana uqeqesho olunzulu olufunekayo lokufumana ubuchule obuthambileyo obufana nokwenza umsebenzi, ukusebenza kunye nonxibelelwano. Bandule ukwenza umanyano lokuzithandela lweveki ezili-12 nomqeshi ongumamkeli, ofumana umvuzo ongaphantsi komsebenzi. Ukuba isilingo siphumelela, abaqeshi bakhuthazwa ukuba baqeshe umbambi-misebenzi ngokusisigxilo. Imali eninzi ixhomekeke kule nkqubo, kunye nojongo olujoliseko oluphezulu lobutsha. Ngokutsho [FOLD: 2] i-Sydmistry, kunye ne-DYD [FFFFF]

Izicelo neenqanawa eziqeqeshiweyo

INgxelo yeMali ikwanyuse inkxaso kwinkqubo yoqeqesho. I-Australian Appliceds Service Nenethwekhi yokuxhasa i- inikela uncedo olunika abaqeshwa nabaqeshi kunye nabaqeshi babo uncedo lwemali. Kwiminyaka yakutshanje, urhulumente wazisa i- i-Bootanticenticed drugs [iiiiiiiiiinqanawa zokulwa noomatshini bokuxhasa i-applices [[[[FLLT:3], ezigubungela 50% yemivuzomvuzo yemali yomqeshwana wemali ehlawulwayo kunye nemali ehlawulwayo. I-odrobithis iquka urhwebo oluqhelekileyo norhwebo olungephindo oluqhelekileyo.

Ubuchule Bamanani Boqoqosho Kwikamva

Ukuphinda kuchazwe ukuba ushishino lobuchule bobutsha nolwezintsebenziswano lubuyisela utshintsho, iNgciwo yemali iye yasebenzisana necandelo lobugcisa ukwenza ii-bootacstamps zobuchule bezobugcisa bobuxhakaxhaka base-Australia abaselula. Iinkqubo ezifana Digital Sycs zobuChobologu bobutsha [ inikela izifundo ezifutshane, ezinzulu kwikhomishini, intengiso yemichiza, kunye necompu. Ezi zizifundo zidla ngokukhulu okanye ziveliswa kakhulu ngabathathi-nxaxheba abaneminyaka elishumi elinesi-18 ukuya kwi-2. Imali efumana ii-mali ezifumana ii-mali ezininzi ngaphezulu.

Ukusetyenziswa Kwabantu Abaselula EOstreliya

I-Ofisi ayiyondlela yodwa yokufumana ubutyebi bezoqoqosho. Iveja yemali ixhasa ngokukhutheleyo abaselula base-Australia abafuna ukudala imisebenzi yabo ngokuqalisa amashishini. I-Entrefeneurshi inokuba yi-injini enamandla yokuhlaziya nokuyila umsebenzi, kwaye i-Cevention inezixhobo eziliqela zokuwukhulisa ukususela ebuntwaneni.

Isalathisi somsebenzi wePhondo

I-New Enterprise Incentive Scheme (NEIS) inye yeenkqubo zeflegi. Inika ulutsha olungaqeshwanga (nabanye) olunoqeqesho, uqeqesho, kunye nenkxaso yengeniso eqhubekayo yenyanga ezili-12 ngexesha besungula ishishini. Abathabathi-nxaxheba baphuhlisa icebo leshishini, befumana uqeqesho olusuka kusomashishini abanamava, kwaye bangafikelela kwisiqalo esincinci esinika intlawulo. Imali yemali yeSebe leMsebenzi kunye neyokuqeqesha, ukuxhasa, ukukhuthaza inkxaso yengeniso ngenyanga ezilishumi elinesibini, ukuquka ezo ndawo zengingqi ne-IGrivegrac. Uthel-cogni ithelela inkqubo yolutsha olunolwazi oluqhelekileyo lwe-mashishini, ulutsha oluneembutho oluye lwazinziswa ngobuchule.

Inkxaso yeNtloko kunye neNkxaso yeNkqubo

Ngaphezu kwemiqathango engqalileyo, iNgxelo yeNdawo inikela utyalo-mali kwimeko-bume yezorhwebo. Imibutho yemali enjenge- ulutsha oluncinci olunobungcaphephe obunemava. luxhasa le nkxaso esekelwe kwiyunivesithi kunye nezinqumlisi. Ezi ndawo zinika indawo yokusebenza, amacebiso asemthethweni, kunye neziganeko zokusebenza. Inkcubeko yemali yemali ithetha ukuba oosomashishini abaselula basoloko bengena zixhobo zobugcisa abanolwazi abanazo. Ngokuxhasa ezi zinto, icandelo lokudlala linceda umgangatho. Iinkqubo ezifana izindululo zomsebenzi, kunye neziganeko zokusebenza kwekhompyutha. zinxibelelana nabantu abaselula abafumana inkxaso ephumelelayo ekuvuleni, bebanika ukhokelo olusebenzayo kwimicimbi yeshishini, iimodensi, kunye nee-eding.

Impumelelo ekhawulezileyo

IMali ilandela impumelelo yezi nkqubo ngokusebenzisa imilinganiso efana nokusinda kweshishini, ingeniso, kunye nemisebenzi eyenziwayo. Ugcino-lwazi olusuka kwiNEIS lubonisa ukuba ama-60% amashishini aqalwa ngeli cebo asasebenza emva kweminyaka emithathu. Ngaphezu koko, uninzi lwaba bathengisi abaselula luyaqhubeka luqesha abanye, lukhulisa impembelelo yezoqoqosho. I-Mooral ivelisa uphando olubalaselisa indlela isiqalo solutsha esikhule ngayo ukusuka kwicebo legumbi lokuphekela ukuya kwishishini elichumayo, nto leyo enegalelo kwizoqoqosho zasekuhlaleni nakomnye ulutsha.

Umlinganiselo Wobuphicotho - zincwadi Nokwenza Ucelomngeni Oluqhubekayo

Akukho lucwangciso lwenyathelo ngaphandle kwempazamo, kwaye iNondyebo igcina indlela elumkileyo yokuqwalasela iziphumo nokulawula imigaqo-nkqubo. Ngeli xesha iinkqubo ezininzi zikho iingxaki ezibalulekileyo.

Iziphumo Ezifanelekileyo Nezibalulekileyo

Ukususela ekuqukunjelweni okubanzi kwezi zenzo, ukungaqeshwa kolutsha eOstreliya kuye kwancipha ngokuthe ngcembe ukusuka kwincopho yolwazi lwemali eyabonwa ebudeni bokuwohloka kwezoqoqosho kwama-202020. Amaphepha ohlahlo-mali eendleko aphawula ukuba ukuthatha inxaxheba kolutsha kumsebenzi wokusebenza kuphucukile, ulutsha oluninzi kwimfundo, umsebenzi, okanye uqeqesho. Ezi zimo zibonisa ukuba abafundi abafundayo abakwiminyaka ye-9 neyeshumi bayazi ngakumbi iziphumo zemali ezithelekisa ukuthelekisa neshumi leminyaka elidluleyo. Inani labantu abaselula abafikelela kwi-NEIS liye lakhula ngokuthe ngcembe, ngezicelo ezidumileyo ezivela kwiindawo zasemaphandleni nakwimimandla yengingqi. Ezi zinto zibonisa ukuba indlela yokulungele ukuqhuba iprojelo yemali iziphumo ezicacileyo, nangona isebe elisoloko lilumkile kwiimeko ezininzi ezinikwa yimpembelelo yezoqoqosho.

Izithintelo Ezingapheliyo Nezingasetyenziswanga

Ngaphandle kwale mpumelelo, iTree iyavuma ukuba asingobantu abaselula base-Australia abafumana inkxaso epheleleyo. Abantu abaselula abahlala kwiindawo ezikude nezisemagqagaleni basajamelene nezithintelo ezibalulekileyo ekufumaneni zombini iinkqubo zokufunda nokubhala namathuba omsebenzi. Abatsha bafumana intsebenzi ephezulu yemali kunye nemigangatho esezantsi yokungena kwezemali. Ngaphezu koko, ulutsha olukhubazekileyo lusoloko luzama ukufumana inkxaso epheleleyo yomsebenzi. Ngoko ke iveliswa iinkqubo zenqwelo-moya yomqhubi, ezifana nemali eninzi yemali exhasa iNgxoxowa yolutsha. [[FLT:], ekwakukho amaqabane asekuhlaleni asekuhlaleni okuhambisa imisebenzi yoluntu eqhutywa kwemisebenzi. Olunye ucelomngeni oluqhubekayo lungumsantsalelana kwimali, kunye namabhinqa aselula adla ngokubika amaqondo asezantsi okuzinyondisa nokuzisela imali. [i-FTB] [FFFF]

Iindlela Zomgaqo-nkqubo Zexesha Elizayo

Xa ijonga phambili, iNgcitha-mali ichaze izinto ezizizo eziphambili ezininzi. Ezi ziquka ukwandisa izixhobo zemali ezisetyenziswa ngokwamanani ukuze zifumaneke lula kulutsha olufumana imali ephantsi, ukwandisa umyinge wenkxaso yengeniso ekhoyo ngexesha loqeqesho, kunye nokudibanisa inkxaso yempilo yengqondo kwiinkqubo zomsebenzi, ukuqinisekisa ukuba uxinezeleko lwemali kunye nempilo enkenezelekileyo yengqondo kusoloko kusesamele. Umba wemali uhlola ukusetyenziswa kolwazi lwesimilo kulutsha kukhuseleko lwendlela yokuzigcina nokuzibhokoza. Umzekelo, iindlela zokuzimisela kwii-akhawunti zemali eziphezulu, kunye nokungalungelelani ngokuphumelelayo kwiinkqubo zokuqeqesha ii-projektha zemali, zinokuvavanywa. Uthengiselwano oluqhubekayo luye lwazinziwa ekuqinisekiseni iinkqubo zobugcisa zexesha elizayo.

Isiphelo

Amanyathelo eTreevery ye-Australian yobuchule bezoqoqosho abonisa indlela ebanzi nephambili yokucinga ebanzi yenkqubo enzima kwixesha lethu. Ngokuthetha ngobuchule bokubhala, iingcinga zemali, iindlela zemisebenzi, kunye nenkxaso yoosomashishini ngendlela edibeneyo, iTreal ayincedisi nje kuphela ulutsha ukuba lwakhe ubomi obungcono kodwa iphinde yomeleze uqoqosho. Xa inkxakeko iqhubeka, ingakumbi leyo ekwimimandla ekude okanye ejongene neengxaki zenkqubo, i-tracetry ithembisa. Iinkqubo zixhaswa kukuxilonga, ukusetyenziswa kwemali eqinileyo, ukusetyenziswa kwemali ephakathi, kunye nenyanzelo lokwenene lokunika abaselula ubuchule bokwenza ubuchule bokwenza ubuchule. Njengoko ezi zifundo nabafundisi bezifundo ezikhoyo, baya kuxhobisa umzekelo onamandla wendlela yokusebenza karhulumente. I-omatshini yokusebenza kwezoqoqosho ayikhunjululwanga ngemali, kwaye iya kuxhobisa i-Australia, kwaye baya kuqhubeka ukuqinisekisa ukuba basebenzise inkxaso kwemisebenzi ephambili kwimisebenzi ekhoyo ekhoyo.