Kuyini plan for izindleko kanye izimali?

Ngaphezu ukuhlelelwa kwebhizinisi, inkampani kumele kube zezimali uhlelo (ibhajethi engenayo kanye izindleko yebhizinisi). Kuyinto ngosizo ukuphathwa kwenkampani anganikeza ukulawula ukwakhiwa nokusetshenziswa okunengqondo kwezinsiza. Ngaphezu kwalokho, ukuhlela sezimali kwenza ukudala izimo ngoba okwandisa nekusebenta ukusetshenziswa ezingaba ekhona ibhizinisi kanye ngcono isimo sezimali jikelele.

Imali esebenzile futhi uhlelo ngenzuzo ikhomba nalo e plan ukukhiqizwa izinqolobane, ukuphakamisa izindlela ukuba balisebenzise kangcono umthamo ikhiqize ibhizinisi ekhona, kanye acabangele ezinye amaphuzu abalulekile.

Ukuze uqinisekise eguquguqukayo kanye nokwethulwa ngokuyiko kwezinhlelo ukwamukela izinqumo zokuphatha kuthathwe bakha engenayo uhlelo kanye nezindleko nsuku ngekota, ngesikhathi esifanayo kufanele kucatshangelwe kwamandla emali. Izinkomba ezilandelayo kunqunywa ukuthuthukiswa kohlelo wezimali:

- ukugcwaliseka kokuqendwa umkhiqizo izindleko;

- Bop;

- amortization;

- ukutshalwa;

- imithombo ngezimali;

- isidingo ibhizinisi emafeni zamanje;

- imithombo esehlanganise ukusebenza dolobha izidingo;

- kanye nabanye.

Isabelomali kusekelwe ukubala izinkomba eshiwo ngenhla. Ukwahlulela ngesiqu, ikhombisa ngakolunye uhlangothi imali afakwa futhi engenayo esuka umsebenzi ibhizinisi, futhi ngakolunye - izindleko futhi amacala ahlukahlukene. Ekugcineni, uhlelo lwezimali kuyinto ulwazi lokulawula base isabelomali. Okusho ukuthi, ngokuba ukuqaliswa ngesikhathi esifanele yokuhlaziya futhi ukuthola ezihlukahlukene ngeziphambeko izinkomba langempela umhlahlo. Uma ukungafani atholakala, izinguquko ezifanele zenziwe. Uhlelo nezindleko okungaphezulu futhi nokwenza imali kungenzeka kuphela ukwabiwa. Ngokuvamile, ingxenye nowasekhaya amabhajethi okufanayo, okuyinto acabangele izibikezelo eziphathelene amabhajethi obusebenzayo noma nokusebenza.

Kukhona amasu amaningana ukwakha isu lokusetshenziswa kwezimali, kanye engenayo yenkampani:

- Kusukela phezulu kuya phansi. Kulokhu, zonke izifiso, izimpokophelo Okubhekiselwe esabekwa abaphathi abaphezulu. Ngemva okuyinto abaphukile izinkomba phansi ezincane futhi kufakwe uhlelo lokwehlukaniswa iziqephu komhlaba.

- Bottom-up. Ukudweba phezulu kwemali kanye uhlelo ngenzuzo lapha iqala nge aphansi amazinga isakhiwo phezulu ibhizinisi. Ngaphezu kwalokho imingcele kuthiwa ngobulili yokuthengisa service nangemuva kokubonisana amazinga wabikezela kwemali engenayo idluliselwe abaphathi abaphezulu. Enterprise Administration eliqhathanisa izindleko lohleliwe futhi izimali, bese inquma ukuthi imiphumela kumele ifinyelelwe esikhathini kokubuyekezwa.

Ngo isabelomali jikelele ibonisa ubuhlobo ibhizinisi nabanye abadlali emakethe (izikhungo zezimali kanye credit, izinkampani zomshuwalense, isimo kanye namabhizinisi kamasipala nezinye). Ngaphezu kwalokho, ukusetshenziswa kwezimali kanye ngenzuzo uhlelo kufanele bacabangele emali, izinguquko kwinqubomgomo malini isimo nezinye izinto ka Macroeconomics.