Isizathu Sokuba Umxhasi Abandakanye Imibandela Yomgaqo - siseko Wezoqoqosho

I-Australian Treasure imi kumbindi wesizwe i’ ilawula uqoqosho. Icebisa urhulumente ngeqhinga lemali, inkqubo yerhafu, ulawulo lwemali, kunye nolawulo loqingqo-mali. Kodwa inkqubo yezoqoqosho ayikho kwikhamakhaza. Zonke izigqibo zineziphumo zehlabathi kushishino, kumaziko, abatyali-mali, nakuluntu. Ukufumana inkqubo esebenzayo nesemthethweni, i-Ovector kufuneka iphulaphule kubantu nakwimibutho eza kuchaphazeleka ngomsebenzi wayo.

Ukudibana koqoqosho akuyonto iphambili elungiselelwe iNgxelo-mali. Ngumsebenzi ongundoqo onceda isebe liqonde indlela esebenza ngayo emhlabeni, iinjongo, kunye nokulindela iziphumo ezingacwangciswanga. Ngokukhangela ngokubanzi, iTreator ingayila iinkqubo eziphendulayo, ezinokulinganayo nezihlala ixesha elide. Eli nqaku lihlola indlela iNgxowa-mali yase-Australia ebandakanyeka ngayo kwibutho labemi kunye nabagcini-mali, iingenelo kunye nocelomngeni lobo budinga, kunye noko ikamva elikuphathele olu lwalamano lubalulekileyo.

Umsebenzi Osetyenziswa Yimali

I-Cooote ’ indlela yokuzibophelela kubabambi isekelwe kwimigaqo yokuvula izithuba, nokubonakala. Isebe libona ukuba inkqubo elungileyo ifumaneka kubungqina nakumava asuka kwimithombo emininzi. Ukuze oko kufikelelwe kwisiseko somanyano esisebenza ngaphaya kwebhayisekile yobomi.

Umatshini Wobuchule

Iveksi isebenzisa iindlela ezininzi ezisesikweni ukuqokelela igalelo. Ukuzithoba kukawonke-wonke kusisigquma semisebenzi yayo. Xa kukhululwa izicelo ezingundoqo zenkqubo okanye iphepha lengxoxo, isebe limema ingxelo ebhaliweyo evela kumntu onomdla. Le miqathango idla ngokupapashwa kwi-intanethi, ukongeza umaleko wokuphendula. Umzekelo, indawo yonxibelelwano yonyaka [[FLT: 0] yonxulumano loluntu [[[FLT: 1]] uluhlu oluninzi lwemiba evulekileyo neyakutshanje kwimibandela esukela ekuhlaziyweni kwerhafu ukuya kumgaqo wenkonzo yemali.

Ngapha koko kubhaliweyo, iSebe lifumana iiNgqungquthela ze-Boolean kunye nophuhliso loshishino olunee-overeji ezithile ezithe ngqo. Ezi zicelo zivumela ingxoxo enzulu, apho abathathi-nxaxheba banokubuza imibuzo, ukuvavanya, kunye nezicelo ezingezizo. Isebe likwabamba iimvo zasekuhlaleni kunye nee-webinars, ingakumbi kwiinguqu eziphezulu. Ngexesha lenkqubela ye- IRetirectment Infection Review[[ kunye nempahla yotshintsho yezentengiso , umzekelo, ivel iintlanganiso zocwangciso-Nxumano oluphezulu.

Ukuzoba imaphu kunye nophuhliso

Iventie ayikhange idibane nomntu ngamnye ngendlela efanayo. Isebenzisa indlela yokuzoba isalathisi somthi ukuchaza ukuba ngawaphi amaqela achaphazelekayo kwinkqubo ethile, kwaye ngaliphi iqonga igalelo elixabiseke kakhulu. Oku kunceda ukwaba oovimba ngokunempumelelo kwaye kuqinisekisa ukuba ukuganana kunentsingiselo kunokuba kube yimiqathango. Amaqela angundoqo aquka unxulumano lwezoshishino, imibutho yoluntu, iingcali zemfundo, abameli besizwe, kunye namaqumrhu elingurhulumente.

Ngubani ozibizayo: Amaqela angundoqo

Ukuhluka-hluka kwezoqoqosho lwase-Australia kuthetha ukuba iNondyebo kufuneka ibandakanye namazwi aninzi ngokuphawulekayo. Iqela ngalinye lizisa iimbono nobuchule obahlukeneyo.

Imisebenzi yeshishini nezoshishino

Amaqela amashishini anjenge-Australian County of Treasurer and Industry, iBhunga loshishino lobushishino lase-Australia, kunye nemizimba edibeneyo yezoshishino efana ne-[ IiNkonzo zezezimali zisebenza kunye rhoqo. Zinika ugcino-lwazi oluthe ngqo lwemali kwizigqibo zotyalo, utyekelo lwemarikezo, kunye nemithwalo yempatho. I-oventi yemali ixhomekeke kwezi ntlanganiso ukuqonda indlela eziya kuchaphazela ngayo ukhuphiko, ulwano, ulwando, kunye nomsebenzi. Iintlanganiso ezithe rhoqo ezinemiqoko yekhalenda yemali, ingakumbi ekukhokeleni koqingqolwabiwo-mali.

Iziko loMmandla elingaQhubekanga

NGOKUFUMANA imele intlalo-ntle yentlalo, imekobume, abathengi, kunye nezilangazelelo zamalungelo abantu zibalulekile ekuqinisekiseni ukuba inkqubo ibonakalisa amaxabiso abanzi entlalo. Iintlangano ezifana ACOS (iBhunga le-Australian leNkonzo yeNtlalo), i- i-Australian Conservation Foundation[[FLD:3], kunye i-Choices[ isoloko inikezela ngezicelo ezineenkcukacha kwirhafuthelo, ukukhutshelwa, ukukhuselwa, nokukhuselwa okuzinzileyo. Izikhundla zabo zemali ziyakwazi ukubumba i-Calfast &817; izinto eziphambili, ngokukodwa njengakwimivuzo ze-mo yemali.

IZiko loPhicotho-zincwadi noPhicotho-zincwadi

Economists, abahlalutyi benkqubo, kunye nabaphengululi abasemthethweni baseyunivesithi kunye namathanga banikela uhlalutyo olungqongqo, oluzimeleyo. Ivesi yemali isoloko ithumela amaphepha ophando kunye neenkampani zoshishino ukuvavanya imodeli yayo. Iintyatyambo ezifana ne- Australian National University[, i- Iziko le-White[[FLT:]] inika i-'iPropu eqinileyo, kunye nenkqubo ye-[FLT:]

Imimandla

Ukudibana ne-Ostreliya yoluntu oluqhelekileyo kuyinto ephambili ekhulayo kuTshenxiso lweMali, ingakumbi njengoko urhulumente efuna iinkqubo ezinxulumene nokuvala uMdanga kunye nokuxhobisa kwezoqoqosho. I-Otherine ibuza kwiNtlango yeZiqithi zo Bomthonyama neTorres Strait, amabhunga omhlaba, nemibutho elawulwa nguluntu ukuqinisekisa ukuba imigaqo-nkqubo yezoqoqosho iyafaneleka ngokwenkcubeko kunye nokungakhuseleki kwenkqubo yenkqubo yenkqesho. Oku kubandakanya ingxoxo kuMgaqo-nkqubo yerhafu yerhafu [[FLT:]]

IMibutho yoRhulumente wasekuhlaleni

Amabhunga kunye nemibutho yophuhliso lwengingqi ibalulekile ekuqondeni iimeko zezoqoqosho. INgciwo yemali isebenza nge- Australian Umanyano loRhulumente wasekuhlaleni kunye nentsebenziswano esekelwe ngurhulumente ukuqokelela ugcino-lwazi kwiimfuno zesiseko sesiseko, ukufumaneka kwezindlu, kunye neengxaki zemisebenzi yasekuhlaleni. Eli galelo libaluleke kakhulu ekuyileni iinkqubo zokuphuhlisa uqoqosho lwengiselo lwengingqi kunye neesiseko soshishino.

Imizekelo Yokwenene Yokusebenza Kwemali

Ukuzekelisa indlela igalelo lomxhasi eliguqulela ngayo kwinkqubo, kuluncedo ukukhangela kuhlolisiso oluthile lwetyala apho iTreasury ̱ ukuthembisana kwenza umahluko obonakalayo.

Utshintsho Lwerhafu

Inkqubo yerhafu yenye yezona ndawo zidityanisiweyo zolawulo lwezoqoqosho. Ngexesha 2016-17 Utshintsho lweTsheya-nter Agenda[FL:1], iSebe leNkcitho lenza uhlolo oluthe chatha lwezinto zokucutha irhafu yengeniso yomntu ngamnye, ikwenza lula iGST, kwaye ilungisa izivumelwano ezikhulu zolawulo. I-1000 ezibhaliweyo zafunyanwa, kunye neTrentellion ezinamaxa aliqela eshishinini, amaqela omsebenzi, nawasekuhlaleni. Ngelixesha zingezo zonke izicelo ezamkelelwa, inkqubo yokuganana yanceda urhulumente aqonde ukunyamezela urhwebo lwe-GST, kwaye yakhokelela kwiprojective ecwangcwa ngocothanga oluthe ngqo.

IiNjongo zoHlahlo-mali

Nyaka ngamnye, iMoondrey imema ungeniso lukawonke-wonke ngaphambi koqingqo-mali lwezwe ngokusebenzisa iPregrands Pressess inkqubo. Le yenye yezona ndlela zifikelelekayo zokubhalisa. Nabani na osuka kumbutho omkhulu ukuya kwingingqi yoncedo lwasekuhlaleni angafaka amacebiso awo. Ucalulo lwezimvo kunye ne-synthesie imixholo engundoqo. Kwiminyaka yakutshanje, inkqubo ibalaselise imiba enjengamaxabiso okuphila, ukuhlawulwa kwezindlu, kunye nenkxaso yeshishini elincinane. Amagosa emali akwakufutshane agcina uphando lwasese kunye namaqela angundoqo, kodwa inkqubo yokuzithoba kwabantu iqinisekisa umgaqo wokubonakala nokulunga.

Utshintsho Lwemali

Emva kweKhomishini yoBukhosi bezezimali , i-Moond House Commission yoBuphathi bemali, i-ASC], i-Moolenti yakhokela ukusetyenziswa okugqithisileyo komgaqo wemali. Udityaniso lwabalawuli lwalunzima yaye luyaqhubeka. Isebe eliqhuba ushishino loshishino logcino-lwazi, amaqela ajongene nobugcisa, kunye neeprojekthi zemiqathango efana nokungahoywa kwendlu yendlu, ii-inshorensi, kunye nolawulo oluneziphumo, kuquka i-BBHAWULE-AR (BAR) [FLT] kunye neenguqulo zobutyala bokuboleka, zazenziwe ngokubalulekileyo yingxelo evela kuwo omabini abathengi.

Iingenelo Zokwenza Isabelo Ngokuzibhokoxa

Ukubandakanyeka akuyondlela yokuzilolonga. Xa kusenziwa kakuhle, kuzisa iingenelo ezicacileyo kuNondyebo, kurhulumente, nakuluntu.

Umgangatho womgaqo-nkqubo onyusiweyo

Igalelo lomxhasi lisoloko lityhila ubungozi okanye iziphumo ezingacwangciswanga ezisenokuphoswa. Amaqela oshishino angabalaselisa iindleko zokuthobela; imibutho yoluntu ingabonisa inkxalabo epheleleyo; izifundiswa zingalucel ’ umngeni oluphandle olukhoyo. Ngokudibanisa ezi ngcaciso, i-Moonte ingayila iinkqubo ezinamandla nezingcono. Oku kunciphisa imfuneko yokulungisa okubiza imali eninzi phakathi komsebenzi emva kokuphunyezwa.

Ukucaca Okungakumbi Nokuthembana

Umqondiso wokubonana kwangaphandle ukuba uNondyebo ukulungele ukuphulaphula nokuphendula. Ukuthobela ukupapashwa nokuchaza indlela iziphumo eziqwalaselwa ngayo zakha intembelo yoluntu. Ukuthemba kubaluleke ngokukhethekileyo kwiinkqubo ezifuna utshintsho lokuziphatha, olufana notshintsho lwerhafu okanye imigaqo egciniweyo yengqesho. Xa abemi namashishini bevakalelwa ukuba beviwe, basengozini yokuthobela nokuxhasa inkqubo.

Isenzo sokuphumeza

Ukudibana akupheli xa inkqubo ibhengezwa. Umba wemali uyaqhubeka ujongana ngexesha lokuzalisekisa, ukusebenza nabaxhasi bemathiriyeli ukuvelisa izinto zokhokelo, iindlela zokuthobela, kunye namalungiselelo okuguqula. Le ndlela isebenzisanayo inciphisa ukuphazamiseka kwaye inceda ekuphepheni imithwalo engacwangciswanga. Umzekelo, ukuboniswa kwengcaciso yeNqanda e- [[FLT: 0] Inkqubo yokuphatha ngokuchukumisa kufutshane [[FLT: 1] yasongwa ngokusondeleyo kunyuso oluvela kubanikezeli be-software, abaqeshi, nabaqeshi bemi abaqeqeshi.

Iingxaki Ekulungeni

Nangona ziluncedo, ukuganana kwabanyanzeli kusebunzimeni. Uveliswa-mali kufuneka asebenzise izilangazelelo ezikhuphisanayo, izithintelo zezibonelelo, kunye nomngcipheko wokudinwa.

Ukulawula Iimbono Eziphikisanayo

Amaqela ahlukeneyo afuna izinto ezichaseneyo. Amashishini asenokunyanzela ukuba kusetyenziswe iirhafu eziphantsi, ngoxa amaqela oluntu exhasa ukusetyenziswa kweendleko eziphezulu kwiinkonzo zoluntu. Ukulungelelanisa ezi zinto ngokwemvelo zezopolitiko, kwaye iNgxowa-mali ayinakukholisa wonke umntu. Ucelomngeni kukuqinisekisa ukuba onke amazwi asemthethweni aviwe, kwanalawo acelw ’ umngeni imbono ekhoyo, ngoxa egcina ingqibelelo yenkqubo.

Ukukhuthaza Ukuba Nenxaxheba Enenjongo

Asingawo onke amaqela anobuchule obulinganayo bokubandakanyeka. Iinkampani ezinkulu zingaba nenkxalabo yoogxamezi kunye nokuthobela okunenkcukacha, lo gama imibutho emincinane yoluntu ixhomekeke kumatsha - ntliziyo. I-Otherine ithathe amanyathelo okucutha ibala lokudlala ngokunika uPhondo olucacileyo lwesiNgesi, iinkcazo ze-intanethi, ii-ports ezithobela i-intanethi, kunye nokwamkela ukuthotyelwa kwevidiyo. Noko ke, inkcitho inkcazo yemali ihlala ikho inkxalabo. Kusoloko kukho ingozi yokuba ezona sandi ziphezulu zilawula, lo gama amaqela aphantsi ephantsi ebekwe phantsi kweminxeba.

Ukugcina Imbonakalo Ngaphandle Komthwalo Ongaphezu Kokuba Usinde Kakhulu

I-Century ’ isibopho sokubona ngaphaya komsebenzi ithetha ukupapasha ubuninzi bento eninzi, ukusuka kunxibelelwano lwamaphepha ukuya kwimizuzu yentlanganiso. Ngoxa oku kuncomeka, kukho umgca omhle phakathi kokuvula lula kolwazi nokuninzi. Abagcini-lwazi banokuzama ukugcina indlela yokubona iziganeko ezininzi, kwaye i-Keneral ngokwayo inokuba noxanduva oluphezulu lokulawula umthamo wempendulo. Ukulinganisela kwasekunene kukucelomngeni oluqhubekayo.

Amathuba Okuqinisa Ulwalamano

Iveksi ayixhomekekanga kwimisebenzi yayo. Iyaqhubeka iphanda iindlela ezintsha kunye nobugcisa ukwenza ukuganana kudibane kwaye kusebenze.

Izicwangciso zobandakanyeko lwamanani

Ukusetyenziswa kwamaqonga okubonisana nge-intanethi kuye kwanda ngokuphawulekayo, ingakumbi ukususela oko kugqugqisile. Ngoku iNgciso yemali isebenzisa izixhobo ezinika inkxaso ezivumela abathathi-nxaxheba ukuba bagqabaze kumacandelo athile ephepha lenkqubo, ukuvota ngezinto eziza kuqala, okanye ukuphendula imibuzo ejongiweyo. La maqonga angafikelela kubantu abaninzi kunabaphulaphuli ababhaliweyo ngokwesithethe kwaye anokubonelela iinkcubeko zokwenene zexesha elifutshane kwiimvakalelo zikawonke wonke. Ucelomngeni kukuqinisekisa ukuba ukubotshwa kwemichini akubandeli ekuthinteleni abo bangangeni kwi-intanethi okanye abakwazi ukufunda amanani.

Iindlela Zolawulo - melo Ezingalawulekiyo

Kukho umdla okhulayo kwiinkqubo ezimeleyo ezifana nabemi i’ izijunga kunye nabantu abancinane abanoluntu kwinkqubo yezoqoqosho. I-Otherinea ayikalwamkeli ezi zinto ngomlinganiselo omkhulu, kodwa kukho imizekelo kurhulumente nakumgangatho wasekuhlaleni. Abagwebi abamiselwe kakuhle abakwizicwangciso zotshintsho lwerhafu okanye zohlahlo-mali bangavelisa ulwazi, bacinge ukuba icebiso lengcali elinobuchule. I-Ofekitha iyakufuneka ilumke ngendlela eziqhuba ngayo ezo nkqubo nedemokhrasi, kodwa ukumisela ukugana okunzulu koluntu kubaluleke kakhulu.

Umqondiso womgaqo-nkqubo

I-Coplace si sibandakanya abaxhasi bemathiriyeli abangenziyo nje ukunikezela ngegalelo, kodwa ngokukhutheleyo ukulungisa ukwenziwa kwemigaqo-nkqubo ukususela ekuqaleni. I-Otherine isebenzise uphawu oludityanisiweyo kwiindawo ezifana nophuhliso lwezoqoqosho kunye neenkqubo zobuchule bemali. Umzekelo, iCetago yoBushishini lemveli iQeqesho lobuGcisa laphuhliswa ekusondeleni ngokusondeleleneyo kunye neenkokeli zoshishino zeSiqithi neTorres Strait. Ukwandisa i-covosign kwimist yemicimbini yemicimbi yezomgaqo-siseko sezobuculo linokukhokelela kwintya nezisombululo ezifanelekileyo.

Ulwalathiso Lwexesha Elizayo: Ukwakha Ulwalamano Olunamandla

Ukujonga phambili, iMoney ibonise ukuba ukuqinisa ukudibana nebutho lasekuhlaleni kunye nabagcini-mathiriyeli kubaluleke kakhulu. Isebe i’ iPlaneyi yeNkqutyana yeQumrhu kunye ne-[FLT] iSibambiso soMquphi weSicwangciso sokuQhubelana [[[FLTLT:]] uluxanduva lokunyusa ububanzi nobunzulu bophicoselelo. Oku kubandakanya ukujoliseka ngaphandle konikezelo ngaphantsi kwamaqela adityaniweyo, iirhiyo eziphuculwe ngokokuba abagcini bemibo banokubona indlela ekusetyenziswa ngayo ukufakwa kwegalelo, kunye noluxandulo olulungeleyo lokusebenza.

INgciwo yemali ikwanguvimba wobuchule bayo bokulawula ukuganana. Amaqela azinikeleyo ngoku ajolise iliso kulwalamano lwabagcini-mali, kwaye isebe liqeqesha abaphathi balo benkqubo ekubuzeni iplani kunye nokubhaliswa. Oku kuqwalaselwa ukuba ukuganana kakuhle kufuna ubuchule obukhethekileyo, hayi iinjongo nje ezintle.

Kumsebenzi wamazwe ngamazwe, iNgxelo yeMonetiry yehlabathi, inxaxheba kwimfundo yoontanga enemizimba enjenge ECD kunye neInternational Monetary Fund [ kuqheliso olungcono ukwenzela ukubotshelelwa kwemali kwimigaqo yezoqoqosho. Ezi zimo zehlabathi zinganceda i-ovector icolise indlela yayo yokwenjenjalo nokufumana izinto ezisebenzayo kwezinye iimeko.

Isiphelo

I-Ostreliya Treasure ̱ ukubotshwa kwemibutho yabemi kunye nabagcini-mathiriyeli kusisiseko samandla ayo okuvelisa inkqubo yezoqoqosho esebenzayo, ethembekileyo. Ngokuvavanya okusesikweni, iinguqu, kunye nengxoxo eqhubekayo, isebe liqokelela uludwe oluninzi lwezimvo eziphucula ubunjani nokufaneleka komsebenzi walo. Iingenelo zicacile: inkqubo engcono, ukubonakala okuphezulu, kunye nokuphunyezwa okunamandla. Kodwa ke kusekho imingeni ekhoyo, ingakumbi ngokuhambelana nokungathathi nxaxheba nokulawula izilangazelelo ezingqubanayo.

Njengoko imeko-bume yezoqoqosho iba ntsonkothile ngakumbi – ngenxa yokutshintsha kwemozulu, ukutshintsha kwamanani, nokuphazamisana kwezobugcisa – imfuneko yokuganana ngokuqinileyo iya kukhula. INgci yemali imiselwe kakuhle ukuhlangabezana nolu celomngeni, izimisele ukuqhubekeka uphuculo nokukulungela ukuzama iindlela ezintsha. Ngokuqinisa ulwalamano lwayo noluntu kunye nabagcini-mali, iNgcithela yemali inokubanceda ukwakha ukuqina nokukhula okuthe kratya nako nakoqoqosho kubo bonke abantu base-Australia.