Isu zezimali wenkampani: isimo kanye credit kamasipala

Ngo inkathi yolwazi lobuchwepheshe, isihluthulelo yiliphi ibhizinisi wukuqinisekisa ukuthuthukiswa yayo yesikhathi eside. Ukuze ulawule ukuthuthukiswa eside ibhizinisi kumele linqume Injongo yayo futhi umbono ngokuphelele indawo yalo ngesikhukhula emakethe futhi kwakha isu zabo okusekelwe emakethe.

amasu ukuphathwa indlela Imibandela, yilesi:

1. Development of an jikelele lwentuthuko kanye isu wezimali njengoba iyingxenye ebalulekile kuso.

2. Ukuhumusha kunjongo ku tekusebenta ukusebenza kwezinqumo.

3. Ukuqapha ukuqaliswa izinkomba senenziwe.

4. Ukuqapha isimo emakethe futhi izinguquko isu jikelele.

Mshini esivame kakhulu okuqanjwe isu lenhlangano kuyinto BSC - Olinganiselayo Scorecard, okubandakanya uhlu izinkomba ukuthi zizinze eside.

Ukusetshenziswa izinkomba ze-non-zezimali ngenxa isidingo ukuphatha lezi zinsiza kwezolimo izinhlangano ezifana ukwethembeka kwamakhasimende, inkampani idumela nolwazi abasebenzi.

Ngo umkhuba yasekhaya, njengoba izinkomba wezimali ka ukuhlela amasu kumele kusetshenziswe inzuzo okungu, kunqunywa imisebenzi ethize kwenhlangano. Ngokwesibonelo, inzuzo uhlobo lomkhiqizo, inzuzo iphrojekthi, inani inzuzo umsebenzi ngamunye, inzuzo engenayo ngamunye imitha square isikhala phansi, lizinga abolekise, njll

Kulesimo sanyalo kwezomnotho, akukho lebhizinisi awukwazi ukusebenza kuphela ngezindleko zabo, ngakho-ke, kubalulekile ukusebenzisa izimali ezibolekwe semisebenzi ngezimali, okuyizinto loans nomasipala. Kule ndaba, umsebenzi wokuphathwa kwezimali iwukuba nokwandisa isakhiwo wesikweletu kanye nemithombo yezimali, okusho sokunquma isilinganiso eyamukelekayo kakhulu phakathi siqu leveraged. Optimality umbandela ongakhonza ukubuya ku nokulingana lenkampani, kube inkomba ikhombisa ngokugcwele umgomo ukuphathwa. Ngo umkhuba, bulukhuni enkulu ebangela kumiswa credit izinsiza, ngoba ukusetshenziswa kwazo lihlotshaniswa izinkinga eziningi: kukhethwa umthombo ngezimali Assessment nenzuzo, ukuthembeka, njll Inqubo esetshenziswa kabanzi namuhla.

Lezi zinhlobo ukubolekisa, njengoba loans nomasipala. Njengengxenye isakhiwo ukuphathwa imithombo yezimali, incazelo inqubomgomo credit (okuyinto loan Kungcono credit isimo Russian Federation noma ukuthengisa), ekunqumeni izinqumo zokuphatha ngobukhulu bomsebenzi kanye ijubane yentuthuko kwebhizinisi, kukhethwa amaphrojekthi ibhizinisi ukuba lusebenze, abaphathi izinhlangano zamabhizinisi kudingeka ulwazi nokukhawulela ivolumu ngaphezu kwalokho bakhangwa izikweletu ngezimali. Indlela levamile kutfola seqiwe yenkokhelo loan, okuyinto uma iqhathaniswa imigomo eyisisekelo nemibandela izikweletu ngezimali kungacacisa ukuthi lemali loan, esinikela kobuhlungu bayo ukubuya okwalandela, ikhumbula amakhono samanje inhlangano. credit State eRussia wesimanje kwenza kube nokwenzeka ukuba ubuyise izinsiza zabo cishe bonke abahlanganyeli yomsebenzi wezomnotho,

Omunye ikhambi lale nkinga kungenzeka ukuba aqhube ukuhlolwa okusheshayo ukubaluleka amafa kuncike ukukhulula ngokuhambisana izinhlelo eziyisisekelo ibhizinisi. Ngaphezu kwalokho, kufanele acabangisise ngezinto onjani loan kungaba akukhetha inkampani - commercial, isimo kanye credit kamasipala noma ngisho ezahlukene. Kuyadingeka ukuba ukuhlola izibopho inkokhelo ekhona futhi buyiselo ezikweletini ngezimali, ukuze abone kungenzeka izimo esikweletu ukucacisa esiphezulu kungenzeka lokukhokha loan, isb. Ingabe, ukucacisa umkhawulo wesikweletu.

Lapho kubalwa inani eliphezulu credit etholakalayo esizayo kobuhlungu ukubuya isidingo acabangele ivolumu elilinganisiwe Imali ethunyelwe ngoba esikhathini esizako, umthelela izinsizakalo izindleko loan imiphumela zezimali, kanye indlela sokukhokha imali ebolekiwe. Ngesisekelo izibalo wathola izici ezilandelayo wobulawa:

- onjani credit oyisebenzisayo kule nkampani: State kanye loans kamasipala, noma ukuthengisa;

- ukuhlolwa kwe-balance cash flow ukuphathwa;

- Ukubala inani isithakazelo ngoba loan ethemini imalimboleko.

Ngesisekelo iphethini zokuhlala enhlanganweni Kunconywa ukuthuthukiswa ikhalenda ye izinkokhelo, khomba ukuhanjiswa kwemali. Ukukhetha buyiselo indlela kuthinta isakhiwo yokukhokha kanye nokuphuma kwemali. Ngakho, lapho eyindilinga buyiselo indlela zikhokhelwa intshisekelo ngenyanga kuphela, uthishanhloko ikhokhelwa isamba semali ekupheleni ethemini ye nesivumelwano sokubolekwa. Lo mthetho akuxhomekile udumo nomasipala oyisebenzisayo, noma ukuthengisa, libuye libe nethonya elihle kwemali. Uma inhlangano ekhetha sokukhokhwa oyinhloko ezingxenyeni alinganayo, ukuze sinciphise izindleko yesondlo yalo, kodwa iholela kuncipha esithize ekuvumelwene. Ngiphakathi nendawo mayelana nomthelela kwi notshwala imali ye annuitentnymi izinkokhelo enkokhelweni loan. Nokho, le ndlela kwandisa izindleko isithakazelo, okumele kunakwe kakhulu ekuthuthukeni isu ekukhuleni wenkampani.