Kodi kudziletsa ndalama? Tanthauzo ndi mfundo

Tiyeni tiyese kuti adzaone zomwe amadzipweteka yekha ndalama. Ichi ndi wapadera zachuma gulu, amene akufotokoza asapita mu dera la kugawa, kupanga mowa, kugawana kupanga. Ambiri wokhala amalonda akufunitsitsa kumvetsa zimene amadzipweteka yekha ndalama ndi momwe amagwiritsira ntchito liwu chuma chao. Mu zikhalidwe za kusintha kwa zachuma ndi options msika ofotokoza ichi chizindikiro kuti ndi mfundo zofunika zachuma.

NKHANI kudziletsa ndalama

fomu iyi ubale chuma, nkhani chidwi ndi udindo pakati pa amalonda ndi boma, pakati pa kampani ndi zofunika zake mayunitsi structural, pakati makampani, komanso m'gululi.

Chiyambi cha mtengo mlandu adzatenge zomveka ulimi, ndalama kubwerera anapalamula, kukhazikitsa austerity, kungakupatseni profitability za bungwe.

Mfundo yaikulu ya mawerengedwe a zachuma

Amakhala mu kuchotsedwa njira ndi njira kudzera lomwe limapezeka zotsatira zake zomalizira - ndi kasamalidwe wathunthu kupanga. Ndi zonse ndalama mlandu pa maziko ubale chofunika ndalama zipangitsa kugwilizana ndi chuma cha makampani ulimi zotsatira za zochita zawo mwachindunji. ngati asapita dongosolo amasonyeza kayendedwe zonse chuma, resumption wa kufalitsidwa ndalama. Kukangana kuti amadzipweteka yekha ndalama, tiona kuti akufotokoza asapita kupanga amene akutukuka pamaziko a ndalama ndi chuma m'njira zonse za makampani katundu.

The lonse la mtengo mlandu

Mawu amenewa amanena kuti dera lonse ubale mafakitale, anamanga pamaziko a mawu: ndalama, phindu chofunika, mtengo, mtengo, phindu. Terms of mtengo kuyankha motere: mkati kampani pali mogwirizana siyana zachuma pansi pa malamulo alipo mderali. Onani kuti gulu ikuchitika mgwirizano wa ntchito ndi njira yopanga, mogwirizana ndi zimene anali kuchita mwachindunji ndi ndondomeko mankhwala kupanga. Ndi ogwira ntchito komanso mfundo zonse zoyambirira za mtengo mlandu.

Features mabungwe ulimi

Chitukuko chachikulu odzipatsa ndalama makampani izi anatsimikiza mfundo zofunika:

• kudziletsa ndalama ndi kubwerera pa ndalama anakhumudwitsa;
• lamulo boma la chuma, komanso ndodo boma;
• chidwi zakuthupi antchito munthu zotsatira kupanga;
• ulamuliro wa kayendetsedwe ka chuma cha bungwe.

Self-ndalama amafuna kampani kuphimba ndalama zonse likuvutika ndalama munthu. Ndalama kuchokera kugulitsa malonda awo ayenera kukhala zokwanira kulipirira kudzikundikira ndi mowa. boma ali ndi ufulu zonse magawo ngati msika, monga mitengo ya msonkho ndi chidwi, mitengo. Kulamulira msinkhu wawo, ndi Ngokhoza kulenga zinthu mulingo woyenera kuzindikira ndi kupanga katundu.

Kodi kupanga moona mtima ndalama

Kugwiritsa zidzakhala ngati, kuwonjezera mfundo zimene tatchulazi, aliyense wa ogwira ntchito adzakhala qualitatively kugwira ntchito anatumizidwa izo. Ngati wogwira ntchito alibe chidwi zachuma, kapena amene mphamvu sadzapita kulankhula. The ogwira ali wapadera chingatilimbikitse dongosolo antchito ndi kulengedwa. Pamafunikanso zosiyanasiyana mabonasi, ndalama zina pa mapeto a chaka, thandizo la ndalama. Only pamene ubale pakati pa zokolola za ntchito ndi malipiro abwino wantchito adzakhala chidwi chotsatira, ndi kampani adzatha tizidalira phindu lalikulu.

mfundo zosangalatsa

Kuwonjezera chidwi chuma, ndi zinthu zofunika ndi monga udindo kwa ndalama ya ndalama. Kudzakhala udindo ntchito katundu ndi ndalama. Kunena zoona, mfundo imeneyi kumafuna kufanana kwa ndalama ndi zotsatira za ntchito zachuma pa wina gawo la kupanga. Mu zonse ulamuliro "ruble" zipangizo wathunthu mabizinezi odziimira paokha boma akumeneko.

Kufunika kwa chuma ndi banki pa mtengo mlandu

Kuti boma ndalama zonse kuwunika makampani a boma ndi ena malipiro yake misonkho. Ntchito banki ngongole ziletso nyumba kumapangitsa atsogoleri a mabungwe kufunafuna njira ntchito mwaphindu zinthu zogwirira ntchito zonse zilipo. njira zimenezi yolimbikitsira mabizinezi monga reflexivity, akulimbana ntchito ngongole, kukhwima, kulola mabanki zimakhudza akuchitira ndi kupanga katundu m'njira yake kudziwa akamufunsirire njira kuthana amawononga zomvetsa, zolowa wosabereka, kuti afufuze nkhani. Self-ndalama, makampani ambiri amaopa, podziwa kuti ali ndi unyinji wa "gotchas." Kachitidwe nthawi zonse chifukwa akweza, akupangidwa tikuyendera limodzi ndi kusintha zikuchitika mu chuma zoweta lonse. Chotero kodi ndi kudzikonda ndalama? Ndi dongosolo lovuta limene zinthu zonse ndi zogwirizana.

zosiyanasiyana mtengo mlandu

Pali odziimira paokha wagawo mu mawonekedwe a bungwe ambiri a zachuma pa munda. Njira yoyamba ndi yokhudza asapita zachuma ndi Boma kapena zina magulu a minda payekha. Intraeconomic mawerengedwe kugwirizana ndi ubale ogwira Mwachitsanzo, pakati mayunitsi payekha. udindo kutsogolera a zinthu zitatu mawerengedwe mwa wamba njira zatsopano yosamalira malonda, kwapakati pa-mgwirizano zachuma.

mawerengedwe Economic ntchito lerolino kwa ogwira ntchito amene ali ndi kapena Pamlingo waukulu wokwatibwa ndi boma. Ntchito yake ndi kuonetsetsa ntchito nchito ya bungwe, aiming pa mtengo kuchira bwino, komanso kukula mphamvu.

ntchito malonda mawerengedwe mu makampani a mitundu yonse ya chuma, umalimbana maximizing wopeza ndalama. Mabizinesi tizidalira boma chithandizo, ngongole ndalama kapena yomasulira. Kudzidalira Pankhaniyi zimadalira voliyumu ya ulimi ndi ufulu (ufulu chuma) kampani.

Pakuti reimbursement ndalama anakhumudwitsa kwa eni malonda kufunafuna njira kuchepetsa ndalama, chuma ndi chuma ntchito. Nkhani ina chimake ichi ndi kupereka odziimira paokha mayunitsi nthambi ndi kudziyimira pawokha ntchito.

Intercompany mawerengedwe adanyamuka monga zosinthika ubale chuma mwa kampani. Cholinga chake polenga wathunthu, yolinganizidwa bwino ntchito maudindo onse kampani.

Ubale zitsanzo zitatu izi ikuchitika ndi limagwirira zachuma.

Zochitika za limagwirira kudziletsa ndalama

The zigawo zotsatirazi ake:

• kukonzekera, zolimbikitsa, mlandu;
• subsystem munali uthenga, katundu, chithandizo cha za malamulo;
• subsystem, kuphatikizapo mgwirizano, bungwe specialization.

Pomaliza

Mtengo mlandu amapereka khola ntchito kampani malipilo okwanila ayenela kwa ndalama anapalamula, phindu lokhazikika. kampani ayenera kulandira ndalama chotero, chomwe kwathunthu kuphimba mtengo wa ulimi ndipo anali ndi phindu wabwino. bungwe kuthekera lenileni la ufulu kwambiri pa ntchito zachuma. kampani yokha akufuna kugulitsa, kupanga amachita yolemba ntchito antchito, kugwiritsa ntchito malowo. Aliyense odziimira paokha ogwira ali yake nkhani banki, wathunthu dongosolo mlandu.

Aliyense kampani zovuta zake nkhani banki angalandire ku mabanki ndi mabungwe ena azachuma ena ngongole. Lilinso ndi bwino yake pepala ndi lathunthu zochitika mlandu. Ngati ntchito molakwika udindo wawo ndodo ankaganiza udindo. Pa kusakhulupirika tsopano linanena bungwe dongosolo, ndi kuwonongeka kwa ubwino wake, kupanga mankhwala zosalongosoka, ntchito zopanda nzeru zida ndi chuma chuma kwambiri yafupika revenues kampani. Chifukwa cha kufooka kwa kugona ndi makasitomala, mabanki, ogulitsa zipangizo, pali mavuto ndi malipiro a misonkho, ndi malipilo antchito. Zotsatira zake zikhoza kukhala zoopsa kampani kani, kwa ndalama zaboma kuti okwana bankirapuse.