Halkee iyo markii lagu abaalmariyay shaqaalaha loo isticmaalo

Sociologists yaa ka baran habka foosha, muddo dheer ka hor xusay sharciga - waxqabad dhiirigelin lacageed, shaqaalaha dadaallada taasoo keentay in isticmaalka aalada iyo in la kordhiyo faa'iidada ganacsiga. view ugu wanaagsan ee kor u qaadista sida, shaki kuma jiro, waa hab ka mid ah lacagihii loogu talogalay shaqaalaha.

Qaddar lacag dhiirigalin weyn ee wax foomka ururka shaqada. jiritaanka nidaamka gunno si cad u dhaadhiciyay jiritaanka shaqaalaha xiriir toos ah oo u dhexeeya koritaanka ay hawlaha iyo danaha gaarka ah ee shaqada iyo dakhliga.

Gunada shaqaalaha - Payment hormarsataan oo dheeraad ah lagu daro mushaarkiisa aasaasiga ah iyada oo sababtu tahay dhibcaha sare iyo guulaha ee shaqada si ay u sii dhiiri ciidanka foosha firfircoon. Waxaa jira noocyo kale oo dhiirigelin ah qaab lacag, tusaale ahaan, gunnada for shaqada ee sannadka soo. gunooyinka shaqaalaha qaadan kartaa meel bil kasta, afartii biloodba ama sannad kasta. The dhinacyada abaalmarinta waxaa sida caadiga ah u dhigay boqolkiiba mushaharka ama heerka mushaharka.

Haddii shirkadda ayaa qarka u saaran nidaamka gunno (gabal-heerka ama waqti ku salaysan), bixinta caymiska loo baahan yahay hoos xeerarka ku saabsan gunooyinka, maado si tayo qeexan iyo tirada. Nidaamkan shaqaalaha abaal waa lacag premium joogto ah la hoos gelin doonaa si khasab ah, iyo qofka shaqaalaha ah haddii ay dhacdo non-jebinta u baahan kara sharciga.

Haddii lacagta leeyihiin foomka lacag bixinta niyad iyo waxa ku jira qodobbo si toos ah loogu talagalay ee ay shirkadu, markaas kharashka bonus loo saarin karaa in kharashka wax soo saarka iyo iibka, oo ka mid ah kharashka.

Abaal fiican in shaqada, gunnooyinka kala duwan, (waayo, xirfad tacliin heer sare N. iyo m.) Waxaa loo gudbin karaa kharashka shaqada canshuur sida ay code canshuurta.

Gunada shaqaalaha aan maamulaa sharciyada shaqaalaha, qodobada oo dhan waa la sifaynayo talinta ee dabiiciga ah iyo meel ka mid ah lacagihii ugu horumarsan by shirkad kasta oo madax banaan. In meel this waa in aad sheeg shuruudaha iyo tirooyin bonus, ay waqtiga iyo size, isha, iyo duwan iyo baaxadda of premiruemyh amraya caymiska.

Sida caadiga ah kala duwanaayeen 4 kooxaha ugu weyn ee tilmaamayaasha in lagu sameeyo shaqaalaha gunooyinka.

1. tiro ahaaneed - waxqabadka overfulfilment iyo qorshaha wax soo saarka, koror boqolkiiba ee wax soo saarka, ciwan dayactirka (ama hoos u dhac ah shuruudahan), fulinta mugga jirin kalimo ka mid ah tirada yar.

2. Tayada - heerka duugga ah hagaajinta tayada wax soo saarka, yaraynta.

3. isticmaalka dhaqaale ee khayraadka.

4. Adeegsiga qumman ee qalabka, la kordhiyo heerka ay isticmaalka, hordhaca ah ee farsamooyinka cusub ee horumarsan.

Maareeyayaasha, xirfadlayaasha, gunno shaqaale, sida caadiga ah, la aasaasay oo xidhiidh la leh la kordhiyo faa'iidada. Sharuuda ugu muhiimsan ee lacagihii - ma ahan oo keliya hirgelinta tilmaamayaasha waxqabadka, laakiin sidoo kale maqnaanshaha xadgudubyada edbinta shaqada. premium The qiimaha xisaabiyaa sida caadiga ah gudahood 40% heerka, inkastoo meelaha qaar ku xusan bonus gaadhaya 75% heerka ama mushahar.

fund Premium ee ganacsiga ama unugga sameeyay natiijada muddo xisaabinta. Iyada oo ku saleysan xisaabaadka la qorsheeyay ee lacagaha iyo iyada oo la tixgelinayo kaalin shaqaalaha shaqsi sameeyey accrual of xaddi premium.

Sidaas darteed, waxaa lagama maarmaan ah in la kala saaro gunno joogto ah ka bixisay, kuwaas oo ka samaysan qayb ka mid ah ama ka weyn variable-canshuur mushaarka, iyo hal. may dambe, baniadamka, in la bixiyo oo ku beegnaa taariikhda rasmiga ah ee tartanka, daawado iyo wixii la mid ah. N.