Anthu amakonda mavoti. Ndi mapulogalamu angati, masewera ndi zinthu zina zomwe zapangidwa kale m'dzina la chikhumbo cha munthu kukhala pamndandanda wina wa mizere yambiri kuposa wina. Kapena kuposa mpikisano, mwachitsanzo. Anthu amapeza malo m'masanjidwe m'njira zosiyanasiyana, kutengera zomwe amakonda komanso chikhalidwe chawo. Ena adzayesa kukhala bwino ndikusuntha moona mtima kuchoka ku #142 kupita ku #139, pamene ena adzasankha kupanga ndalama ndikutenga #21 mosangalala (chifukwa 20 yapamwamba yabweretsa zambiri).
Ndizofanana kwambiri ndi makampani. Lero tikambirana za mabanki ndi mavoti omwe mabankiwa amayesetsa kulowamo. Mu positiyi, ndilankhula za mavuto ambiri ndi kafukufuku omwe tili nawo m'dzikoli, kusiyana kothandiza pakati pa kuyezetsa kwachulukidwe komanso koyenera, komanso momwe tayesera kukonza momwe zinthu zilili pano.
Ndipo kumapeto kwa nkhaniyi pali zodabwitsa.
Zonse zinayamba pamene chaka chapitacho tinayamba kuyesa mabanki asanu a mabungwe ovomerezeka, kusankha achinyamata angapo (Modulbank ndi Tinkoff Bank) ndi atatu apamwamba (VTB, Raiffeisenbank ndi Promsvyazbank). Koma choyamba, zinthu zazing'ono.
Ndalama za banki ku Russian Federation
Pali osewera ochepa pamsika omwe amawonetsa momwe angagwiritsire ntchito mabanki. Zomwe, ziwiri - Markswebb ndi USABILITYLAB.
Ndipo zidapezeka kuti MW ndi UL tsopano zakhala mtundu wa KPI. Kumbali imodzi, izi ndizabwino, chifukwa kupezeka kwa chinthu chomwe chili ndi mpikisano kumapangitsa kuti msika ukhale wocheperako pankhaniyi. Kumbali inayi, zimatengera kusanthula kwa magwiridwe antchito. Ndipo chilimbikitso pano pa nsonga zamabanki sichikupanganso chinthu chodabwitsa chomwe chidzachotsa ndikubweretsa zabwino zambiri kwa ogwiritsa ntchito, chifukwa chomwe chidzatenga malo pasanjidwe, koma kungokhala pamndandanda. .
Bank yanu ili mu mlingo = mudakumana ndi KPIs = mudalandira bonasi. Kuphatikiza apo, gululi likuwoneka kuti limakukondani, mudathandizira banki kulowa muyeso. Kwa ena, izi zimawawa kwambiri. Mwambiri, ndani akudziwa chiyani, koma zolimbikitsa, makamaka, ndi mitundu iyi ya "mabonasi" amitundu yosiyanasiyana, osati njira yopititsira patsogolo malonda.
Ndipo apa, ponena za kufunikira kwa mavoti oterowo pamsika, ndikofunikira kumvetsetsa chinthu chimodzi. Pafupifupi 98% ya ogwiritsa ntchito mabanki samadziwa konse za izi. Iwo moona samasamala. Mavoti awa ndi a mamanenjala ndi oyang'anira. Otsala 2% amadziwa za mavoti, koma aganizireni ngati malo ogulitsa. Nthawi ina tidayesa mawebusayiti aku banki okhala ndi zizindikilo za malo oyamba.
Anthu sasankha banki yochitira bizinesi potengera ngati tsamba la bankiyo lili ndi chikwangwani chokhala ndi logo ya mtengo wake kapena ayi. Zimakhala zosavuta kuti munthu aitanire abwenzi kapena pa Facebook omwe amagwiritsa ntchito banki ndi zomwe amasangalala / osakhutira nazo, ndikudzichepetsera izi pokhudzana ndi chikhalidwe cha anthu.
Tiyeni tiyambe kupanga mavoti. Kuti mupange mlingo, muyenera kuchita kafukufuku, ndipo apa chirichonse chimakhala chochepa pofufuza ntchito imodzi yeniyeni, kunena, kuyesa kulamulira ndalama.
Ndipo kufufuza kumawononga ndalama, ndalama zambiri pamenepo. Kuti muchite izi moyenera, muyenera kuyika ndalama bwino - chithunzi cha wabizinesi kuti muyesere ndalama zambiri kuposa wogwiritsa ntchito wamba. Chifukwa chake, makampani omwe amayesa kupanga ndalama zawo pazofufuza ngati ntchito yawo yayikulu komanso yokhayo imakhala ndi ndalama zambiri. Ngakhale kuti msika wathu wofufuza umakhala wopanda kanthu: izi sizimaphunzitsidwa m'mayunivesite, sizimaphunzitsidwa m'masukulu.
Mwa njira, za ndalama, kuti manambala amveke bwino. Tiyerekeze kuti tili ndi mabanki 20 pamlingo wathu. Munthu aliyense ayenera kufufuza ntchito 7 zapamwamba ndi zochitika, kuthera pafupifupi maola 1,5. Palibe zomveka kuyeserera mayeso kwa woyankha wina kwa nthawi yayitali, chifukwa ola limodzi ndi theka ndiye malire, pambuyo pake chidwi chimatha, ndipo anthu amangotopa ndikuyamba kuyankha chilichonse, kuti angopita kukadya chakudya mwachangu ndipo pomaliza pake amatuluka. .
Kotero ndi izi. Ndizovuta komanso nthawi yambiri kulembera anthu kuchokera ku banki kuti afufuze kafukufuku wotere, kotero chomwe chatsala ndi kulemba anthu. Zochitika 5-7 zamabanki 20 zikutanthauza kuti muyenera kulemba anthu osachepera 140 omwe afunsidwa. Ndiyeno, ngati mabanki oposa mmodzi ayesedwa pa munthu mmodzi
Mtengo wa woyankha wotere umasiyana pakati pa ma ruble 5-10, pali kudalira momveka bwino pa chithunzicho, titi, wochita bizinesi m'modzi yekha adzagula zotsika mtengo, 5 zikwi. 13 zikwi.
Onse pamodzi, pali anthu 140 omwe akufunika kulipidwa kuti achite nawo kafukufukuyu. Tiyeni tiyerekeze zochitika zosavuta komanso zotsika mtengo, ma ruble 5000 pa woyankha, ndipo tidzapeza ma ruble 700 osanyenga. Pang'ono ndi pang'ono, inde. Kawirikawiri chiwerengerochi chikuyandikira 000. Ndi nthawi yoti mutsegule bungwe lanu lolembera anthu ntchito :)
Ndipo izi ndizongogwiritsa ntchito kwambiri banki. Kupatulapo ndalama, pali chinthu chofunika kwambiri - nthawi. Amawonongekanso ndi mulu waukulu wotere pamwamba. Mutha kuyesa mayeso ndi oyankha 30 osapenga pakadutsa milungu iwiri. Mwezi umakhala ndi misonkhano pafupifupi 2 ngati mukufuna kukhalabe ndi zoyankhulana. Anthu 60 = 140 miyezi ya anthu.
Pambuyo pa onse omwe adafunsidwa, muyenera kuthera pafupifupi miyezi iwiri kuti mubweretse zambirizo m'mawonekedwe osavuta - lembani zotsatira, kusanthula ndi kugawa m'magulu, kupanga chiwonetsero chokongola, osati fayilo yomaliza ya Excel yokhala ndi mizere ingapo.
Nthawi zambiri, zimakhala pafupifupi miyezi 4 yantchito ndi ma ruble 2-3 miliyoni, poganizira mtengo wonse panthawiyi. Ndipo sitinawerengerebe misonkho. Ndipo poganizira kuti mpaka pano palibe amene adakwanitsa kupanga ndalama kuchokera kufukufuku wokha, chitsanzo ichi mwachiwonekere sichikuwoneka ngati chopindulitsa kwambiri. Ngati simupanga ndalama kuchokera pamndandanda womwewo ndi malo m'malo mofufuza, ndithudi.
Kafukufuku wochuluka komanso wabwino, kusanthula ntchito
Zowonetsera za MW zili pafupifupi 60% za kusanthula kwa magwiridwe antchito ndi 40% za kugwiritsidwa ntchito. Komanso, lingaliro la "kusanthula ntchito" pankhani ya maphunziro oterowo ndi mndandanda wa kukhalapo kwa ntchito zina. Mumakhala pansi, lembani mndandanda wa ntchito - kotero, payenera kukhala malipiro achibadwa, kuphatikizapo malipiro okhudzana ndi chithunzi, komanso kuchokera ku fayilo, kuyang'ana mpikisano, ma counterparties atsopano kapena malipiro, ndi zina zotero. Kenako mumasanthula ndikuwunika ngati ntchito zomwe zili pamndandandawo zilipo kapena ayi. Ngati alipo, chabwino, ikani chizindikiro, kuphatikiza muyeso. Ngati sichoncho, chabwino, mukumvetsa.
Zikumveka zomveka. Koma, tsoka, zimachokera ku mfundo yakuti kuphatikiza ndi nkhupakupa pakuyesa koteroko kumangokhala kukhalapo kwa ntchito pamndandanda, osati khalidwe lake kapena zofunikira zonse kwa wogwiritsa ntchito. Chifukwa chake mapulogalamu am'manja adayamba kusuntha ndikuyika chilichonse mwa iwo okha kuti akwaniritse zomwe akufuna, osati zomwe wogwiritsa ntchito amafunikira. Chabwino, ndi momwe Yandex.Phone ili ndi kamera yapawiri. Zilipo, koma amati sizigwira ntchito. Koma alipo. Ponseponse, zikuwonekeratu kuti 60% ya kufunikira kwa mlingo woterewu ndi nkhupakupa yokha, kaya ntchitoyo ilipo kapena ayi. Ndipo osati momwe zimakhalira zosavuta komanso momwe zimafunikira kwa wogwiritsa ntchito.
Kuphatikiza pa kusanthula kwa magwiridwe antchito, palinso maphunziro ochulukira komanso abwino.
Kachulukidwe kagwiritsidwe ntchito maphunziro adzakhala zothandiza kwambiri ngati mukufuna kuyesa mayeso otaya. Mumalemba anthu ambiri omwe akufunsidwa, kuwayendetsa kudzera mu mawonekedwe ogwiritsira ntchito, kuwapatsa ntchito zofunika kwambiri ndipo pamapeto pake mumangofunsa momwe zilili komanso mavuto omwe analipo.
Kuyesa kwapamwamba kwambiri kumakhala kovuta kwambiri - muyenera kufotokoza malingaliro a ndondomeko yonseyo komanso zinthu zonse zomwe zikugwiritsidwa ntchito pogwiritsa ntchito njirayo. . Malingaliro onse ndi mafunso omwe anthu ali nawo, malemba onse ndi zinthu zomwe ziri zosamvetsetseka kwa iwo. Ndipo zonse zomwe zimayambitsa - chifukwa chake sizikudziwika bwino, mukuyembekeza kuti litchulidwe bwanji, ndipo mumasunga mawu otani m'mutu mwanu?
Podziwa zomwe zimayambitsa kuzindikira, simumangonena kuti:
Anthu sanachipeze - kuyika kwachilendo.
Kodi mukumvetsa momwe mungasinthire:
Wogwiritsa akuyang'ana chinthu ichi osati pansi momwe tidachiyikira, koma pakona yakumanja kwa chinsalu. Kusaka ndi liwu loti "Sakani", ndipo tili ndi "Lowani", kusaka chizindikiro cha galasi lokulitsa, ndipo tili ndi batani la "Sakani".
Mwachidule, mutatha kuyesa kuchuluka kwa magwiritsidwe ntchito, mudzakhala ndi mndandanda wamavuto omwe ali mu mawonekedwe ake ambiri. Tinene, "Wogwiritsa sanathe kupeza Kusaka." Chifukwa chiyani simunachidziwe bwino? Koma sindinachidziwe bwino - mayesowa sapereka yankho.
Ndipo mutatha kuyezetsa bwino, mudzakhala ndi vuto komanso chifukwa chake. Pankhani ya Search, mudzakhala ndi script, wogwiritsa ntchitoyo adzakuuzani ndendende momwe anafufuzira Search, zinthu zomwe amayembekezera kuona ndi kumene, mawu omwe adabwera m'maganizo mwake pamene sanapeze Search, ndi zina zotero.
Mukakhala ndi gwero la vuto ndi kufotokozera mwatsatanetsatane, mukhoza kukonza kale chinachake, kusintha mawonekedwe kuti agwirizane ndi zoyembekeza za ogwiritsa ntchito ndikuthetsa mavuto omwe ali nawo.
Zoonadi, zabwino ndizokwera mtengo. M'malo mwa ntchito ndi mafunso, muyenera kuphunzitsa munthu amene adzachita mayesero otere. Tengani munthu yemwe ali ndi mbiri yabwino ndikumuwonetsa kudera lomwe mukufufuza. Izi zimatenga pafupifupi miyezi 3-6. Pali akatswiri ochepa okha okonzeka pamsika - ndiko kuti, palibe.
Koma ngakhale mayesero onsewa atachitidwa mwachizolowezi, tidzakhala ndi zotsatirazi - dziko silikudziwa chochita ndi maphunzirowa ndi malipoti. Msika umawonabe izi ngati mtundu wina wa ephemeral; amakhulupirira kuti akungogula zowonetsera, osati yankho lavutoli.
Chifukwa zinapezeka kuti: banki idalamula kuti ayesedwe, adalandira poyankha mtundu wina wazithunzithunzi, zomwe sizinali zowonekeratu momwe angagwiritsire ntchito kapena "tinkadziwa tokha tokha." Chotsatira ndi chiyani? Zili bwino, ikani patebulo ndipo sangalalani kuti ilipo. Chifukwa anthu sadziwa choti achite ndi ulalikiwu, momwe angagwiritsire ntchito kukonza zinthuzo, momwe angasinthire zomwe zafotokozedwamo kukhala zolumikizira zatsopano zomwe sizikhalanso zovuta. Ngati simupereka zozama ndi zomwe zimayambitsa mavuto, ndiye kuti simungamvetse momwe mungagwirire ndi mavuto.
Kodi zonse ndi zomvetsa chisoni?
Kawirikawiri, ndizomvetsa chisoni, inde, koma izi sizikutanthauza kuti vutoli silingakonzedwe. Cholinga chathu chinali kupanga kafukufuku wabwino pazinthu zomwe tinali nazo kale akatswiri. Mwachitsanzo, ponena za ntchito ya malipiro muzofunsira, tinali ndi ziwerengero zina pa izo. Tinkafuna kutenga zochitika zazikulu osati kungoyang'ana "Inde kapena Ayi," koma kuti timvetse bwino mavuto omwe anthu ali nawo, pazigawo ziti, komanso chifukwa chake amayambira.
Kugawa ndi zochitika zazikulu zamabungwe ovomerezeka
Izi zitha kukhala zopinga zomwe sizidalira kwambiri banki yokha; kungoti kuwonetsa ntchito zina sikumveka bwino kwa anthu.
Ndipo, zowona, tinkafuna kuchita kafukufuku wathunthu, osati kufananiza mabanki angapo wina ndi mnzake. Tinkakhulupirira kuti titha kugulitsa maphunzirowa mwatsatanetsatane, ndipo nthawi yomweyo kuyesa zomwe zimafunikira.
Inde, chikondamoyo chathu choyamba chinatuluka ndi zotupa zingapo.
Tinayesetsabe kutenga zochitika zonse ndikudutsamo ndi woyankha mmodzi. Chenjezo la spoiler - adapulumuka. Mwina tsopano sagwiritsa ntchito mafomu ofunsira kubanki pafupipafupi. Koma tidatsimikiziranso chiphunzitsocho kuti patatha ola limodzi ndi theka tiyenera kuzimitsa chilichonse ndikuyamba china. Chifukwa chake, tidasintha kuchokera pakuyesa mozama kwazinthu zonse ndikuwona momwe anthu amapezera ntchito zina, zomwe amatchera khutu, komanso momwe amawonera tsamba lalikulu.
Kugawa pogwiritsa ntchito nsanja ndi anthu
Mukayesa mapulogalamu akubanki, simungangowayendetsa ngati alendo ndikupeza malingaliro. Muyenera kukhala ndi akaunti yaku banki kuti mumvetsetse momwe zonse zimagwirira ntchito kumeneko. Koma pankhani ya banki, amalonda amafunikira akaunti yamoyo, yokhala ndi mbiri, ndi kampani yomwe idakhazikitsidwa pamenepo. Ngati mukuyesanso kuwongolera ndalama ndi zosangalatsa zina, mudzafunika maakaunti a ndalama zakunja ndi Afobazole pang'ono. Ndalamazo sizingakhale zopanda kanthu, mbiri yamalonda iyenera kukhala yaikulu kuposa "Ndidzasamutsa ma ruble 200 kuchokera ku akaunti yanga kupita ku akaunti yanga, tiyeni tiwone momwe zikuyendera."
Tinkaganiza kuti kulembetsa maakaunti m'mabanki onse omwe tinkafufuza ndikusamutsa ndalama kwa iwo ingakhale ntchito yachangu.
Nthawi zina zonse zinkayenda kwa milungu ingapo. Kuchokera kumbali ya mabanki, inde. Ndipo tidayesanso mabanki 5, koma akadakhala 20?
Koma tinatha kumvetsetsa tokha kugawidwa kwa ntchito zazikulu ndi chiwerengero cha ena odzipatula komanso osakondedwa. Choncho, tinachoka ku chikondamoyo choyamba kupita ku liwiro lachiwiri ndi njira yowonongeka kwambiri. Wopanga nawonso adalowa nawo gululo, zomwe zidabweretsa mawonedwewo pamlingo watsopano. Izi ndizofunikira kwambiri kuposa momwe zimawonekera mukamapereka chidziwitso chotere.
Chotsatira cha ntchitoyi chinali chiwonetsero cha zithunzi za 100+. Pamene tinachita phunziro pa mabanki anayi kwa anthu, sitinagulitse. Koma phunziro loyamba, pa mabanki kwa amalonda, anagulitsidwa kuona mmene chidwi msika mfundo. Anagula izi kwa ife nthawi za 7 (mabanki kuchokera pamwamba pa 5 ndi makampani angapo omwe amagulitsa chitukuko ndi mapangidwe ku mabanki), sitinapereke zotsatsa zina kupatula zolemba pa Facebook.
- Koma inu nokha munalemba kuti iyi ndi njira yotsimikizika yopita ku red!
Njira yabwino, inde, ngati mukungofufuza. Timapeza ndalama makamaka kudzera muzojambula ndi zomangamanga.
Kafukufuku kwa ife ndi mwayi wopanga msika, chifukwa, monga momwe mukuonera, palibe pafupifupi. Nthawi zambiri tinkafunsidwa, amati, chifukwa chiyani inu anyamata mukupanga zinthu zotere kwaulere, siziyenera ndalama? Koma chifukwa cha izi, titha kuwonetsa anthu ammudzi momwe kafukufuku angakhalire. Tsopano, kuti muwone chitsanzo cha maphunziro otere, muyenera kuwagula. Chabwino, kapena funsani munthu amene anagula izo.
Timazisindikiza monga choncho. Kotero kuti msika umamvetsetsanso kuti kafukufuku ndi chiyani. Kuti makasitomala omwe amayitanitsa kafukufuku kwina akhoza kufananiza ndi china chake ndikutsimikizira zomwe makampani ena amawagulitsa. Kuti kumvetsetsa kofanana kukhalepo - kafukufuku akhoza kukhala wapamwamba kwambiri, ndipo kuchokera pamenepo mutha kupindula ndikumvetsetsa zoyenera kuchita nazo. Ndife okhumudwa pang'ono kuti gawo la maphunziro pankhani ya kafukufuku m'dziko lathu ndi lomvetsa chisoni. Chifukwa chake, pakadali pano tikuyesera kusintha zinthu ngati izi - popanga kumvetsetsa kuti mutha kupeza zotsatira zabwino
Ndipo kuwonjezera pa gawo la maphunziro, kufufuza koteroko ndi kufalitsa kwake ndi mwayi wabwino wopanga zitsogozo. Ndipo apa ubwino sikuti makasitomala amabwera kwa ife. Posachedwapa, kutengera chimodzi mwazolemba zathu, adayamba kujambula banki kuchokera pamwamba 3. Zaka zingapo zapitazo, tikanaganiza kwenikweni - dala, tinanyambita mutu wathu ndikupita kukachita zathu tokha.
Ndipo tsopano tikuganiza - ozizira, amatimvera, ndipo akuyesera kuti apange zinthu zabwino komanso pafupi ndi wogwiritsa ntchito. Chifukwa chake, tipitiliza kuchita kafukufuku wotere, kuyesa mwaluso mipiringidzo yamunthu payekha, osati mankhwala onse molingana ndi mndandanda wina.
Mkati mwa gululi, izi zimatipatsa luso lowonjezereka - osati kuyenda mumdima, koma kumvetsetsa momwe zochitika zazikulu ndi zosowa za anthu zimasinthira (ndipo zimasintha zaka 1-2, taganizirani). Ndiyeno, mukamaphunzira kutsegula akaunti yakubanki kwa amalonda 3-4 nthawi zaka 2, mumapeza lingaliro la njira yabwino, zomwe zingakhale pansi pa zolephera zamakono.
Ndipo zinthu ngati "Ndimafuna kuti ndiphatikizidwe pamlingo - ndidalipira - ndidalowa" zidakhalabe zotopetsa. Ndipo kufunikira kwa mavoti atsopano kutengera mtundu wazinthu kwacha kale.
Ndipo kwa omwe amawerenga mpaka kumapeto kwa nkhaniyi, apa pali maulalo awiri ΠΈ
Source: www.habr.com