Mabhizimisi maduku anonyanya kutarisana nekurasikirwa kwevashandi nevashandi. Chimwe chikonzero ndechokuti vashandi vanowanzoita mabasa akawanda nekutarisira zvishoma.
Muenzaniso ndeye muchengeti webhuku uyo anotarisira mabhizimusi anogamuchirwa , kubhadhara mabhizimusi, uye kuyananiswa kwemwedzi kwepakati pezeri. Chikonzero chechipiri ndechokuti makambani mazhinji madzimai haatombogadziriswa kudzivirira hutsinye hwakadai sedhenari chekuchechechedza mari kana gore rega rekuongorora. Chechitatu, vatengi vemazana emabhizimisi vanoisa kuvimba kwakanyanya kune vashandi vanokosha uye vanozeza kubvuma zviratidzo zvekusatendeseka.
Mhando dzeCash Theft
Sangano reVanodzidza Chekunyengera (ACFE) rinotaura zvitatu zvembavha yekuvhara mari : kubhadhara, mari yakasungwa, uye kubhadharwa kwenhema. Skimming uye cash larceny zvinosanganisira kubata kwemari risiti, zvinoreva kuti mari inoyerera mubhizinesi. Kudzingwa kunonyadzisa kunosanganisira kubatwa kwemari inoyerera kunze kwebhizimisi nenzira yekubhadhara.
Skimming
Skimming inoreva kubata kwemari isati yapinda muhurumende yekugadzirisa zvemari. Ivha inogona kuitika pakubhalisa mari kana chiitiko chekutengesa.
Somuenzaniso, mutengi anotenga achishandisa mari. Mariko yevashandi mari yacho uye haambogoni kuvhara kutenga pamabhuku ekubhadhara mari. Bhizimisi bhizinesi haazive nezvebavha nokuti hapana rekodhi yekutengesa iripo. Mushandi anogonawo kuvhara chikamu chekutengesa uye muhomwe zvasara. Somuenzaniso, mushandi anounganidza $ 10 kubva kune mutengi uye anosunga $ 5 rekutengesa.
Anochengeta $ 5 yakasara.
Vashandi vanoshanda panguva dzisingaiti-dzakadai seusiku husiku hunowanzotarisirwa zvishoma kune avo vanoshanda panguva dzemazuva ose emabhizimusi. Izvozvowo ndezvevatengesi vasiri kunze, vashandi vari kure, nevamwe vashandi vanoshanda kubva kumushandi wekutanga. Kune vashandi ava, kukwidza kunowanzova mhosva yemukana.
Skimming inogonawo kusanganisira kuba kwecheki. Semuenzaniso, varwere vanotumira mameseki kuhofisi yezinyore yebasa ravakagamuchira. Mumwe mushandi wehofisi yepazino anoisa mamwe chekete muakaiti yega yega panzvimbo yekambani yaanoshandira. Macheke asina kukwana haana kumbopinda mubhidhiyo yevashandi kuitira kuti mushandirwi asazivi kuti vakagamuchirwa.
Cash Larceny
Cash larceny inoreva kuba kwemari mushure mokunge yakanyorwa pamabhuku evanoshandisa. Kuramba kwakaoma kuvanza kupfuura kudzidzira nokuti mari yakabiwa yakanyorwa muhurumende yekuongorora maitiro. Muenzaniso wearceny ndeyokubata kwemari kubva mune mari yekuvhara shure mushure mekunge vashandi vauya kuzotengesa. Vashandi vangazoedza kuvhara nzira dzake kuburikidza nekodhi yemari (inokurukurwa pasi). Anogona kuumba mari yekunamatira, kusina kutengesa, kana kuchinja kana kuparadza rekodhi yemari tepi.
Kubiridzira Kwekubiridzira
Kufanana nemari yakasvibiswa, kubhadharwa kwenhema kunosanganisira kubata kwemari yakanyorwa pane mabhuku evashandi. Mushandi anoshandisa nzvimbo yake kusunungura mari yechinangwa chisingagamuchirwi nemushandi.
IAACFE inoratidzira marudzi mashanu ekubhadharwa kwenhema.
- Tarisa Tampering. Mushandi anogadzira cheki chekunyengedza kana kuchinja chimwe chiripo nokuda kwekubatsirwa kwake. Semuenzaniso, mushandi anoshandura cheki kubva kune mutengi, achitsiva zita remushandirwi nezita rake semutengi. Mushandi anobva aisa cheki yacho mune imwe nhoroondo.
- Cash Register Schemes. Mushandi anobata mari kubva kubhuku rekushandisa nokuvhara kutengeswa kwekare kana kuti kugadzira mari yezvakaipa.
- Mahedheni Okubhadhara . Icho chinzvimbo chekubiridzira chinosanganisira runyorwa rwenhema kana sekutengesa kutenga kana invoice. Mushandi anogadzira zvinyorwa zvenhema uye anopa cheki. Anokwidza cheki kana kuisa mu akaunti yega.
- Mahedheni ekubhadhara mari. Vashandi vakawanda vanopenga nokunyengera mari yebhizimisi. Vanogona kutumira mari yekushandisa mari sebhizimisi mari kana kutora mari chaiyo inoshandiswa. Vamwe vachatotora mari imwe chete kakawanda.
- Payroll Schemes. Vashandi vanobhadhara vanogona kukanganisa zvinyorwa zvekubhadhara, maawa mapepa kana mamwe magwaro evanhu pachavo. Vashandi vanogona kugadzira vashandi vanonyengedza, kunyengera mahofisi, kana kuchinja mishairi kana nhamba yeawa inoshandiswa.
Inishuwarenzi
Uba hwemari kune mushandi hauna humbwa nehuwandu hwezvokutengeserana . Pane zvikonzero zviviri zveizvi. Kutanga, mari haifaniri kunge yakavharwa. Mitemo yakawanda inosanganisa maakare, mabhizimusi, mari, manotsi, nemari kana zvivimbiso pasi peshoko reimba yakavharwa . Chechipiri, mitemo yakawanda inosanganisa kurasikirwa kana kukanganisa kunokonzerwa nekusavimbika kana kutadza kwebasa kwakaitwa nevashandi (kusanganisira chero vashandi venguva pfupi kana mushandi wemari ).
Kuchengetedza kambani yako nekupamba kwemari nevashandi unogona kutenga mushandi wekuvhara kwevashandi (inonziwo mushandi kusatendeseka kugoverwa). Ichi chinyorwa chinogona kuwedzerwa kune pfuma kana purogiramu yemapurisa kuburikidza nekubvumirwa kana fomu yekuvhara mhosva.