Ukuthuthukiswa kwe-wezimali: incazelo yenqubo

Inkinga ngesikhathi isitshalo kusho okuvela kuyo ingozi ezikweletini, okuyinto wawubonakalisa ethize ku ngemuva isikhala emakethe futhi sibonisa kabusha isakhiwo kwezomnotho. Ngo nokuntengantenga kwezezimali lanamuhla ngokwethukela unenkinga anqume esiza ukufukulwa komnotho. Nesimo esingokwezimali inkampani, ibhange noma ibhizinisi esungulwe ukuhlaziywa kanye ukuxilongwa isikhundla yokuncintisana emakethe nokuntengantenga kwezomnotho isimo ukuhanjiswa dolobha. Lezi ucwaningo lwembula nesikhathi sokuqala ucabanga bese anqume ukusetshenziswa kohlelo crisis.

Nokungasizi noma inzuzo ibhizinisi practice ziyahlukahluka isici isici kule nokwakheka ibhalansi. Kubonakala izindlela okungokomfanekiso ukunikele imali kanye nama-akhawunti wamanje, kuyilapho amanani abalulekile ezibekwe kule sihloko akhawunti ekhokhwayo futhi isikweletu. Uma ama-akhawunti amamethrikhi ekhokhwa ngaphezu kwenani Receivables, inkampani isebenza ngaso ukulahlekelwa, futhi okuphambene nalokho.

Inkantolo arbitral ayakuphuma isinqumo ukuqala inqubo observation. Ngemva kokuthweswa iziqu nomhlangano wokuqala abakweletwayo, lapho isinqumo kunqunywa inqubo elikhiqizayo yokuthuthukisa isimo sezomnotho ibhizinisi:

• yokutakula wezimali;
• inhlangano ngaphandle uhulumeni;
• ukukhiqizwa e izimo wokuncintisana.

Kulezi izigaba sivumelwano ngokugcwele noma kancane zokuhlala kungenziwa esisungulwe emkhatsini lamacele Ukubuyekeza zokwahlulela.

Ingqikithi yokutakula zezimali

Ukuthuthukiswa inkampani emkhakheni wezezimali ukunikeza ukuthi kungenzeka ukuba ulungise nokusimama kwezomnotho egulayo. Kodwa akulona njalo kuza ukuqedela inqubo. Ngezinye izikhathi, ekukhiqizeni ngamanani amancane noma kunoma iyiphi enye inkampani omula inqubo ngaphandle kokudala uhlelo imbala. Kuze kube yimanje, abameleli aye enkantolo.

Uma inani sonke isikweletu sale nkampani ukuze ukhokhe esingaphansi izindleko izimpahla yenkampani, isiqinisekiso ebhange ayidingeki. Inhlangano nesibopho okweqa inani lemakethe impahla yabo, zidinga iziqinisekiso ibhange kuphela umehluko indlela. Inkantolo ngeke ukwamukela izitatimende mibandela, ngakho inikeza oneminyaka emihlanu isitolimende buyiselo ezikweletini, bavumelana engxenyeni yesine abakweletwayo.

Isitolimende e obuyisela izibopho ivumela abanamacala abonakele bahlehla kancane kancane ebuzalwaneni amafa. Namanje wahlanganyela zokukhiqiza noma ibhizinisi imisebenzi, ukudala izikweletu entsha. imikhawulo zomthetho amandla kawakho inkampani, asifuni ukuba uphisane impahla ngesicelo abakweletwayo ngalesi simo. izinyathelo yokutakula zezimali enzelwe ukubuyisela solvency ka okweletayo futhi zichithe izikweletu zayo ngokuhambisana isheduli sivunyiwe.

Isinqumo sokwahlulela arbitral ngesisekelo iziphetho umhlangano inqubo abakweletwayo yokutakula kwethulwa. Ngu isinqumo amadokhumenti enamathiselwe:

• izinqubo uhlelo lokutakula;
• ukuhlela nge maturities ezithile izikweletu;
• Amaminithi omhlangano;
• uhlu abasunguli okweletayo, ibhekana umhlangano isiphakamiso ku ukwethulwa izinyathelo kwezempilo;
• Senkokhelo elilinganisiwe izikweletu ngokuhambisana lwezikhathi ezihlongozwayo.

Isicelo ukugcwaliseka izibopho yizinkampani zangaphandle ngezinye izikhathi wakhonza. Inkokhelo izikweletu Kwenziwa usohlelweni ngenkathi iqinisekisa ukuthi ibhange mortgage noma isiqinisekiso uhulumeni, isiqinisekiso engokomthetho. elithi yokutakula zezimali uqokelwa isikhathi eside esingeqile eminyakeni emibili, kanti inqubo for beqhuba umphathi zokuphatha.

umphathi Administrative - Imenenja

Officer wenza iqoqo izinyathelo ngokuthuthukisa obala we inqubo. Ngempela igcina uhlu abakweletwayo futhi izimangalo sigcwalisiwe. Imisebenzi ababebukele ukuba ahlele umhlangano abakweletwayo ngalesi simo. Ngesikhathi sigaba Lesisemkhatsini control zokuphatha ucabangela imibiko okweletayo yokukhokha izikweletu ngokuhambisana uhlelo bese udlulisa idatha ku abakweletwayo nesithakazelo.

Obuka uqaphe yokutakula, le solvency zezimali ushintsho wombuso, kanye nesikhathi izinkokhelo. Induna yokuqondisa idinga inhloko yabangamashumi kokukhokha ngokushesha ezikweletini nasezinsizini nokuhlinzekwa kolwazi kulezi athunyelwe. Kweleti kwenza yokusungula impahla, ingqapheli likhona nakanjani.

Yengamela ukuthengiselana by okweletayo, inikeza ulwazi ngale ndaba nabanye abakweletwayo ngalesi simo. Uma umphathi okweletayo sika akagcwalisi nezibopho zayo, umphathi zokuphatha libhekisela inkantolo ukulamula umbango ukushintsha ikhanda lenkampani. Obuka kugudlukela kusukela isikhundla elalihlala ikundla arbitral emva isicelo yenhlangano lwabaphathi ukulamula umbango, kulo ne.

Lokutakula kanye nokuhlumelelisa ibhange

nokuvuselelwa yemali ngezenzakalo eziyinkimbinkimbi usivumele ukuthi ukuxazulula inkinga ezikweletini. izinyathelo Afunwayo ukubuyela ukusungulwa ukuphila okuvamile. Ngo inqubo ezihilela Amakomidi kazwelonke, ukusungulwa kwamanye amabhange kanye nezohwebo ayizona izinkampani zomthetho ahlukahlukene.

Refinancing kunemidanti Ukukhishwa loan ekulinganiseni izikhungo okweletayo kuvikelwe izimpahla ebhange. Ngaphansi kokunikezwa isikweletu nsuku oyithandayo. Ukunikeza Imigomo izimali okubhekwe ukusetshenziswa kwabo ukuze ukhokhe wabeka kanye nokugcina nokusimama kwezomnotho. Ungasebenzisi imali uboleka abanye.

Ukubuyisela ukusebenza ebhange kwenziwe kabusha ephelele isikweletu. IBhange abesebenza namakhasimende, futhi ukungabi nemali ukukhokhwa izinhlangano ezingokomthetho kanye nabantu ukuze akhokhe leso izibopho credit lokukhokha kuhoxisiwe futhi egcinwe okwesikhashana ngo isheduli athuthukile. Lokhu kuvimbela outflow emabhange ebhange kanye ukudalwa i injabulo okungenampilo.

ukunciphisa ezisetshenzisiwe isikimu abasebenzi nokuqedwa neminyango ngaphakathi enhlanganweni. Ikhishwa ukwehla lemali yokukhokha umsebenzi kwabasebenzi ebhange. zenzeka Ngezinye izikhathi inyunyana ukwahlukana. I ukunganeliseki abasebenzi, yebo, kucatshangelwe, kodwa zaphoqa izinyathelo yokutakula zezimali kakhulu ukunciphisa izindleko ephepheni.

Amanyathelo okususa ngongakwazi ukukhokha izikweletu yenkampani

Ukuletha ibhizinisi solvency kwenziwe izilinganiso zokusebenza ukuthi kukhona angajwayelekile ngokuya isimo evamile. Umehluko omkhulu phakathi ukuphathwa crisis manje yokuvuma ukwephula umthetho ukuba noma ukulahleka futhi inzuzo kule nesizayo, uma sivuselela solvency izinkampani namuhla.

Ukuntula lemali iba sobala lapho izindleko idlule ukuphuma nokungena kwezimali. Kuleli qophelo, kukhona izinkinga kanye nabantu abakweletwayo ekhona lenkampani. Ukuthuthukiswa lwezezimali lenhlangano ungaphakathi ukusatshalaliswa notshwala wezimali ukuze kuncishiswe umehluko phakathi inani kwemali kanye engenayo.

Ikhuluma ukusebenzisa imali ekhona, amafa, nalawo mafa ukuba uyovuka esikhathini esizayo, uma inkampani ngeke babhekane nenkinga. Ukuqalisa imigomo okwenza imali engenayo kanye nokunciphisa nezindleko:

• Dala izinkokhelo ikhalenda entsha noma ngcono ihluzo ezindala;
• sebenzisa amafa kancane liquid inhlangano ukusebenza ukuze bathole izimali noma ukubuyiswa kwemali inyumbazane yabo izikweletu zesikhashana inkampani;
• kabusha izikweletu zesikhathi esifishane zibe yizinkokhelo eside.

Enterprise Ngcono

inqubo yokutakula wezimali wenziwa isifanekiso, evunywe i-Ministry of ukuhweba kanye nokuthuthukisa umnotho Russian. Inkhulumo lelungiselelwe ikhava ishidi enamathiselwe isifinyezo esiphezulu. Iqala nge uhlu lokuqukethwe dokhumenti. Kulandele amaphuzu akhe ejwayelekile.

izici Jikelele nencazelo inkampani

I isahluko sikhuluma ngendaba yomsebenzi main, igama uwuhlobo oluthile lukahulumeni. Ecacisiwe share ukusatshalaliswa amaphakethe phakathi kwabanikazi bamasheya ezinkulu, sinqume iphesenti isimo ubunikazi. Beka inomboro negama zezigaba isakhi inkampani, inani labasebenzi, kwabasebenzi.

Ukwakheka ukukhiqizwa, imikhiqizo kanye amavolumu ukukhiqizwa. Okunqumayo ubukhulu imali ngonyaka kusukela ukudayiswa kwezimpahla ngokheshi kanye neminye imibandela okulingana. isisindo Kubalwa lemikhiqizo ku share ingqikithi okukhipha ngezimali.

Ukuthuthukiswa lwezezimali encazelweni inqubo kuhilela umumo wenhlangano ezimpahleni ezingasuki phansi, ukwakhiwa kuyaqhubeka, iphesenti ekupheleni amavolumu. Fit zomphakathi kwi-balance sheet lenkampani, imali yonyaka ngesondlo inkonzo, ikhumbula izindleko nokugcinwa zomphakathi ukuhlanganisa izinqolobane.

Idatha isimo ibhizinisi kanye nokudayiswa kwemikhiqizo izothandwa

izinhlobo zemibhalo ezinhlobonhlobo ezihlelelwe imikhiqizo, inikeza idatha Umthamo wonyaka ukukhiqizwa esikhathini esidlule futhi umhlahlo nezikhathi. Khombisa isabelo kohlobo ngalunye kwezimpahla e yokuthengisa inani, kubalwa enzuzweni mkhiqizo. yokutakula lwezezimali kuhilela supply bamatshe ngomkhiqizo ngamunye, ukubala ukusetshenziswa ukukhiqizwa umthamo, a Luhlatiyo umthwalo ngesikhathi kunezinkinga futhi ngonyaka ka umsebenzi ngempumelelo.

Ichaza abahlinzeki ngedatha ngesisekelo zokwakha, inqubo nemizana nabo, uqhathanisa yentengo. Endaweni ehlukile, izinhlu amakhasimende, yokuthengisa amanani, ihlukaniswe izimakethe ezifuywayo angaphandle, inikeza idatha izindlela zokukhokha izimpahla.

Ukuhlaziywa izimali yenkampani

Lesi sigaba kubalulekile ukusungula izizathu lapho ucabanga kwenzeka. yokutakula lwezezimali akunakwenzeka ngaphandle ukuhlaziywa izinkomba kwezomnotho. Lowo Mbhalo wangonyaka we inikeza ukubala of impahla ibe yimali, umsebenzi ibhizinisi kanye nokusimama kwezomnotho lenkampani, abonisa izindleko sezizonke ngomkhiqizo ngamunye kanye okuholela wokusebenza kwezimali.

idatha Kuyatholakala ku-Ingxenye ukulingana ezindaweni Isikhwama ezikhanyisayo, inqobo nje uma i-mass Imininingwane yedatha kwempahla amanje nawesikhathi Ngaboleka imali. Kusho isakhiwo kuchazwa nokuhlukaniswa lezo zokukhiqiza, kanye nemingcele ebalisisiwe. Wabonisa ukuthi kungenzeka ukuba nezindleko ukugijima ngenxa ukusebenza bofeleba netinhlavu isilinganiso isiphetho ngokuya nge ezinhlangano izimpahla ihambile.

yokutakula lwezezimali kuzodinga lezi zinkampani mayelana nokwenzeka izinkokhelo ku zonke izikweletu zamanje, isimo esihlelekile umsebenzi izimali, futhi division phezu izikweletu amabhange kanye ababolekisi ngqo amasevisi namaphepha izibopho yasekhaya. Liyakushintsha izibalo, futhi inikeza ukuba nokubhalwa ukukhiqizwa izindleko isakhiwo idatha kuqhathaniswa ngonyaka esitebeleni ngesikhathi esifanayo nobukhulu bale nkinga.

Amapharamitha Key kubalwa inzuzo, lokhu ikhombisa nenzuzo nokulahlekelwa kusukela izintela, imisebenzi evamile esiphuthumayo, ibalwa inzuzo inetha nesikhathi sangaphambilini.

ucwaningo Marketing

Uphiko ukumaketha idokhumenti kumele zifakwe impilo sezimali ngoba iqukethe izinyathelo ayisihluthulelo yokuthengisa kanye nokuqaliswa okusheshayo izimpahla. Isigaba siqukethe incazelo emfushane izinhlangano umkhakha kanye nezinkampani beka nenqwaba Imininingwane. Banikezwe emihle nemibi ibhizinisi uma ziqhathaniswa izimbangi. Uniketa incazelo umgomo of ubudlelwano emakethe kulo mkhakha, ukukhomba mass ezidayiswayo kanye share enqubeni kokusebenza. Lichaza okubakhona ukwanda kanye ukwehla isidingo imikhiqizo kuzinto ezihlukahlukene, kunikeza izincomo zokuthuthukisa marketing.

Thuthukisa ngempumelelo marketing isu, esihlelwe ngomumo ku saturation imikhiqizo isinyathelo emakethe plan ye inkampani zichazwe iziteshi yokusabalalisa kwezimpahla kwemali, ukukhangisa uhamba kanye umthelela umthengi ukuze andise funa. Ngokusekelwe idatha olunikezwa ukuthuthukiswa uhlobo olusha noma ngcono umkhiqizo kanye nomkhiqizo ukukhuthazwa izinto kwamanye amazwe.

Iziqondiso semisebenzi ukufukulwa komnotho

Lesi sigaba siveza imisebenzi ethize, okuyinto eyenziwa ukuhlelwa kabusha kwezimali nakwabangenangqondo. Inikeza izinyathelo ukhonkolo for ekuguquleni inkampani. Imiphumela etholwe nazo ezibangelwa izinyathelo ngempumelelo:

• kukhona inzuzo yemali kwemali engenayo webhizinisi;
• izindleko kanye nezindleko zonke izinhlobo kule nkampani ziyancipha;
• elungiselelwe futhi babeke izizathu ekuphathweni kwemali yemali kanye lezimpahla inkampani;
• kukhona izimfanelo yokuhlala esifike ubhale izinkinga ezihilelekile.

uhlelo zokukhiqiza

Lesi sigaba ichaza indima izinguquko ukukhiqiza ngokuhamba imisebenzi yezimali yale nkampani. Siqokomisa amaphuzu Uhlelo ukukhiqiza, ngokuhlanganiswa uhlelo yokuthengisa, izindleko yokukhiqiza impahla kanye nokudayisa amanani. It ibalwa isidingo fixed assets, izisebenzi kanye nezinsiza ecacisiwe kwabasebenzi. Libuye libonise nomthelela omuhle noma esingaqondile izici zangaphandle lapho kuvezwa, icacisa izingozi ezingase zibe khona.

uhlelo ngezimali

Isigaba libhekene zanikezwa ubufakazi inhloso ukusebenza indlela ekhethiwe zokululama zezimali. Ikhishwa ukusatshalaliswa elilinganisiwe notshwala zezimali kanye izinkokhelo ngokuzayo ku nezibopho, kucatshangelwa izidingo yokudla ibhizinisi. Ngempela kunakwe enana, offset kwezimpahla kanye nemali.

Kuyinto isibikezelo langempela kwemiphumela zezimali ibhizinisi emva inqubo, izinguquko kwezomnotho, okuholela balance sheet inkampani esivezwa sika, okuyinto bubonakala ngokucacile ngcono isimo sezimali kanye nokusebenza kwezomnotho.

Ekuphetheni, kufanele kuphawulwe ukuthi ngcono ezindleleni isimo somnotho ngesikhathi kunezinkinga inkampani eziningi, kodwa impumelelo isinqumo zazo ukuba zifeze ukuhlaziywa ngokushesha yomsebenzi wezomnotho, ukuthatha zonke izinkomba ngenhla ku-akhawunti. Uma lokhu kuyenziwa ngesikhathi, ukwehla ekukhiqizeni futhi isimo sibe sibi ngongakwazi ukukhokha izikweletu okunomthelela umonakala kakhulu nesimo esingokwezimali inkampani futhi ngiwuphatha ekuweni ngenakugwemeka.