Lwabalandeli - Iyini?

Ngezinye izikhathi amabhizinisi anisuthi kwezinsiza ayo ngomsebenzi ebhizinisi, ngakho-ke asebenzise inqubo uxhaso. Lesi sakamuva uhlobo isihluthulelo impumelelo kanye nekhono ukuze ingaziki lanamuhla yokuncintisana ibhizinisi imvelo.

Inchazelo

Lwabalandeli - izimali ngokuyinhloko ukuheha waboleka, ezisetshenziswa yi-amabhizinisi ngenjongo ukunikezela ungaphazanyiswa yemisebenzi yabo ngokwesiqondiso main.

Ngakho, i-ibhizinisi, ehamba phambili imisebenzi engenzi-nzuzo, umthombo oyinhloko uxhaso uyokwenza njengoba abashisekeli noma isimo. On izimali ezibolekwe inhlangano singalondoloza izimali zabo, okuyinto kuleli cala kukhona izinkulisa ivaliwe-uhlobo amakhaya amakilabhu asebekhulile noma amasiko futhi umphakathi.

Ukuze isimo, esikhundleni salokho, umthombo ngezimali kukhona izinkinga ezihilelekile intela ekhokhwa. On izimali iqukethe izinhlangano ezingenzi nzuzo ezifana izibhedlela kanye nezikhungo zemfundo. Kuyaphawuleka ukuthi umqondo sokukhokhaela izwe elihambela- emnothweni lohleliwe.

Ukuze izinkampani commercial uxhaso - kuyinto ukuheha izimali izinhlangano isambulela. Endabeni imisebenzi umshwalense kwezimali ezinkulu zezimali ezimalini yamalungu.

izindlela eziyisisekelo

Uma inqubo imali gaba ngokwendlela indlela accrual, kungashiwo ihlukaniswe zigaba ezilandelayo:

• izindlela ocatshangelwayo;
• izindlela ihlolwe ngokuhlanganiswa esifundweni.

Ngakho, abazoba isici Isikhwama loan kahle e ekwakhiweni anolaka kuyinto esuselwe lemali uhlolwa kweemali enkathini yokugcina. Ngamanye amazwi, impesheni anikezwa ngokuvumelana nenani iholo Kule minyaka embalwa edlule ukusebenza kanye idiphozi amazinga e amabhange zincike nenani kwezimali ephakanyiswe salokhu sekubika (Yiqiniso, lesi akusona ukuphela kwesici sokunquma lokhu Inkomba).

Uma siyiqaphele izindlela alinganiswa ngayo, uxhaso - inani izimali ezibolekwe, okuyinto kwabalelwa kulo lonke ibhizinisi ibhizinisi. Ngamanye amazwi, ngokuvumelana le ndlela, laba inkampani yomshuwalense Isikhwama yokukhokha kuzoncika eziningi imiklomelo Kuye kwenziwa pholisi lonke isikhathi ibhizinisi. Endabeni nokuxhaswa komphakathi inani izinkokhelo yezenhlalakahle kuzoncika inani kwentela ekhokhwa endaweni yomcebo.

Kangakanani izinga uxhaso

Izinga uxhaso - izindleko Imininingwane yemali ebolekiwe, ebalwa ngu ifomula eziyinkimbinkimbi, kodwa ake uzame lula lo mqondo futhi uchaze zonke izilimi ezitholakalayo.

Inani net izimali akuyona kuwufanele net izimali ezibolekwe, ngakho izinga uxhaso ibalwa kuncike isisindo izinkomba:

• iyabhekwa enethonya izinkomba emakethe;
• ikhumbula inzuzo yebhizinisi;
• kwesamba isilinganiso Ishidi ucabangela izindleko;
• bakhangwa i yokulinganisa uchwepheshe amafa wokuphuthuma.

Kulokhu, ngesilinganiso uxhaso akusho ukusula esikhathini samanje, futhi isikhathi samanje intengo yemali ebolekiwe kuyakhethwa ku ngokubona inkampani, kungaba kanye ngosuku, isonto noma unyaka.

Ngemva sokunquma amazinga uxhaso inkomba etholwe is kunakwe ekunqumeni solvency lenkampani, esizolokhu imisebenzi yayo ngo Ukuboleka izimali.

Icacisa ukubaluleka

Izindleko uxhaso - izinga lapho ukuheha izimali ezibolekwe enhlokodolobha yase inkampani, ngakho-ke ungayididanisi welithi "ngesilinganiso uxhaso" futhi "Inani."

Yiqiniso, kunengqondo ukuthi waba ini izinga - lena ukuhlolwa iphesenti izimali ephakanyiswe Nokho, njengoba kuchaziwe ngenhla, lesi sitatimende ayilungile, ngoba izindleko ngentengo ukudluliswa ngqo, ebheka ngaphansi kwaziphi iphesenti inkampani angakwazi ukukhokhela ukuheha izimali ezibolekwe.

Le nkomba kubuye kuncike ezicini eziningi futhi ibalwa ifomula eziyinkimbinkimbi, kodwa ngo okufutshane singasho ukuthi ekutholeni izindleko uxhaso Inkomba uyakucabangela ekhona okwamanje nenani kwezimali waboleka, ezimakethe, ukuthengisela izinkomba stock market.

Ngakho ngokuvamile le zenzalo loans kanye imali ebhange kuye isisindo nemiklamo hhayi bangaki izimbangi ukunikela, bangaki kithi bacabanga.

Concept Coefficient uxhaso

Lwabalandeli Coefficient - esilinganisweni, okuyinto ichazwa yalokho kokubala isilinganiso phakathi izimpahla kanye nezikweletu zeHhovisi amabhizinisi lwemali kazwelonke. Ngakho, inkampani uyakwazi ukubala inani ingozi ibhizinisi layo core njengoba kusukela osukwini sekubika.

Kuleso simo, uma izimpahla idlule e izikweletu zabo quantified, futhi Coefficient mkhulu kweyodwa, kungenziwa baphetha ngokuthi izingozi ibhizinisi okwamanje incane, futhi ukusebenza kwalo akukho ingozi. Ngamanye amazwi, umsebenzi wenkampani uzinzile futhi ukwazi ukwenza imali ekahle.

Uma nezikweletu linqobe izimpahla zayo Imininingwane maqondana, isiphetho ukuthi umsebenzi oyinhloko izingozi ibhizinisi mikhulu ngokwanele, kanye nokwenza inzuzo kuyinto engozini. Ngakho-ke kungaba sikhonjiswe ongaphakeme zenzalo ukuheha izikweletu dolobha e ukungakwazi ebhange noma inkampani yomshuwalense sika ukwenza izinkokhelo.

uxhaso Bank

Lwabalandeli amabhange - kuyinto ukuheha izikweletu dolobha semisebenzi yokusebenza esizayo.

Ngokuvamile singasho ukuthi ngokuphelele yimuphi yasebhange imikhuba uxhaso inqubo, kungenjalo ukusebenza kwawo ngeke kwenzeke. Ibhange, njengoba umthetho, lemali obanele of ukulingana capital for uboleka ngokugcwele, ikakhulukazi uma sikhuluma izinhlangano ezingokomthetho. Ngakho-ke, imisebenzi evamile ukuheha imali.

Ngamunye cishe uye waphawula ukuthi credit izinga yebhange ngokuvamile sincike idiphozi, noma okuphambene nalokho. Ngakho-ke, uma izinga ku loan likhula, futhi idiphozi isilinganiso sokubuyisela ayikwazi ukwenziwa - kuba isimiso sokuqala uxhaso.

Inani elikhulu of izinkampani bakwazi ukuphatha izimali zabo ngaphandle edonsa izinqubo uxhaso, kodwa hhayi amabhange. umsebenzi Banking ihilela kwemali.

uxhaso amathuluzi

Hhayi ngaso sonke isikhathi inqubo uxhaso zimo kwezomnotho, futhi ihhovisi inhlangano, igama elithi futhi unemisebenzi eminingi nomthelela omkhulu nokubonwa. Umkhuba documentary ukuphetha ngokuthi uxhaso - okubizwa ngokuthi yomlando imibhalo ukuze izinkathi odlule ibhizinisi.

inqubo isipele kungaba kwenziwe nge PERIODICITY ezithile - kanye ngonyaka, ikota noma inyanga (kuye ngokuthi lemali kolwazi ezikhona). Lwabalandeli amathuluzi ngokuvamile eyenziwa amarejista. Kungaba:

• abasayinayo;
• igama Umthumeli;
• okuqukethwe.

Ngokuvamile, ayikho imithetho ecacile futhi umthetho mayelana inqubo uxhaso ngokuhambisana usomqulu, ngakho umabhalane ungakhetha ezifanele kakhulu futhi eliphezulu indlela yomlando.

okutholakele

Ekuphetheni, siphawula ukuthi uxhaso kuyinto inqubo ebalulekile emisebenzini ebhizinisi wamabhizinisi eziningi, uma kungenjalo kungenzeka kanjani ukuba silokhu baye basebenzisa loans yasebhange, ukube bekungasekho ezifakwa? Okuchaza inkampani yomshuwalense kuzodingeka wenze izinkokhelo, ukube bekungasekho umshuwalense? A amasevisi womphakathi babehluleka ukukhokhela izinzuzo uma hhayi uhlelo intela kuleli zwe.