Ama-akhawunti atholakele yilokho osomabhizinisi okufanele akhumbule

Ama-akhawunti atholakele yinani lemali yezinye izinhlangano enkampanini. Ngokuvamile, ubudlelwane obunjalo buvuka ezimweni lapho ibhizinisi lithatha ukudayiswa kwemikhiqizo, futhi ukubalwa nomphakeli kuveza ngemuva kokudayiswa. Lokhu kuthengiswa kubonakala kubhalansi eseceleni kwesigaba sesibili sempahla.

Ama-akhawunti atholakele yilabo adluliselwa ukudayiswa noma abathengiswa izimpahla ezingakabuyiselwa imali. Izinkomba zokweletwa kwezikweletu zingatshela ngesimo sezimali sebhizinisi, ukuzinza kwalo. Ephakeme imali evela ekudayiseni kwemikhiqizo, inzuzo eyengeziwe inhlangano isebenza.

Umqondo nezinhlobo zemali engenayo zifaka imali yokukhokhela izinsizakalo, izimpahla kanye nokusebenza lapho umphakeli ethatha khona kusengaphambili, noma uma ukudluliselwa kobunikazi kwenzeka ngaphambi kokuphela kwesikhathi sokukhokha. Kukhona futhi umqondo we "akhawunti engaphezu kwesikhathi efunwa". Yilapho isikweletu sakhiwe ngenxa yokuphulwa kwemigomo yesivumelwano.

Ngokwemigomo yokusebenza kwezibopho ezitholakalayo zihlukaniswe zibe yisikhathi esifushane nesikhathi eside.

Noma yimaphi amabhizinisi kufanele akwazi ukuphatha lokhu okwenziwe. Phela, ukusetshenziswa kwayo okuphumelelayo kwenza kube lula ukwandisa inzuzo yenhlangano.

Ngokwezibalo, ingxenye yesihlanu yezimpahla zenhlangano ejwayelekile yokukhiqiza i-akhawunti eyamukelwayo. Lokhu kusikisela ukuthi ukuphathwa kwaleli thuluzi kuyingxenye ebalulekile yenqubomgomo yezezimali eqinile. Umsebenzi wokulawulwa kwezikweletu ukusheshisa ukuthola imali kumakhasimende, ukunciphisa izikweleti lapho izinkokhelo ezingenakungabaza khona noma ezingenakwenziwa, ukuqaliswa kwezinyathelo eziphumelelayo zokuthengiswa nokukhuthazwa kwezimpahla emakethe.

Isikweletu sithonywe yizici ezilandelayo:

Ivolumu yokuthengisa kanye neyomthamo ngokwevolumu yokuthengisa. Ukuphakamisa ukuthengisa, nokuningi, njengomthetho, isikweletu.

Imigomo yokuhlala namakhasimende nabahlinzeki. Ngaphansi kwemibandela ehloniphekile, abanikezwa ngabathengi, izimali ezitholakele ziba ngaphezulu. Lokhu kungenxa yezidingo eziphansi zokunquma ukwethembeka komboleki, ukwandisa ukuvuthwa.

Inqubomgomo yokuqoqa izikweletu. Ngomsebenzi omkhulu webhizinisi lokuqoqwa kwezikweleti, izilinganiso zama-akhawunti ezitholakalayo ziyancipha futhi ikhwalithi yayo yanda.

Leli nani liphinde lithinteke ngesiyalo sokukhokha kwamakhasimende.

Uhlelo lokulawulwa kwemali yokuthola imali lungenziwa ngokwemigomo ibe yimigqa emibili: inqubomgomo yenkampani evumela ukuthi kusetshenziswe isikweletu ukukhulisa ukuthengisa (ukunikeza ukukhokha okulandelwe ngaphansi kwezinye izimo ezilinganayo kuyoba usizo olukhulu kumthengi). Owesibini uzoba isethi yezinyathelo ezihlose ukunciphisa ingozi yezikweletu ezidlulile noma ezimbi.

Ama-akhawunti atholakele: ukuhlonza nezinsimbi zokunciphisa

Indlela ephumelela kakhulu yokwandisa ukugeleza kwemali nokunciphisa ingozi yezikweletu, inhlangano yezinhlelo zezinhlawulo kanye nezaphulelo. Ukukhokha izinhlawulo zokuphulwa komhla wokukhokha kufanele kuhlinzekwe esivumelwaneni. Kuye ngemigomo yokukhokha kwezimpahla unganikeza izaphulelo. Isibonelo, ngemali engu-100% ekhokhelwe kuqala, isaphulelo esingu-4% singasetshenziswa, ngokuthunyelwa - 1%, ngokukhokha okubuyisiwe, isaphulelo asihlinzekiwe.

Ingxenye edingekile yabaphathi yisisusa sabasebenzi ekunciphiseni izimali ezifanelekayo. Isibonelo, imenenja yokuthengisa ayizuzi kuphela ukuqaliswa kwecebo lokuthengiswa kwemikhiqizo, kodwa futhi nokugcwaliseka kwezibopho ngamakhasimende athola izimpahla ngokukhokha okubuyisiwe.