Ngongole Business. Akukongoza mabizinesi ang'onoang'ono ndi sing'anga-kakulidwe

chuma chofunika kutsegula ntchito yatsopano. amalonda ambiri ayamba kuchita mu mabanki. Iwo akupereka zosiyanasiyana ma maziko a bizinesi. Ndondomeko kulembetsa ndi yaitali ndithu ndipo mukufuna kusonkhanitsa zambiri mapepala iye. Ngongole kwa mabizinesi ang'onoang'ono ndi sing'anga-kakulidwe adzakhala kusankha bwino, ngati si wa ndalama zake.

zikhalidwe chopezera

Kupanga ngongole mabungwe ambiri amaoneka. Akukongoza mabizinesi ang'onoang'ono ndi sing'anga-kakulidwe akupezeka pa zinthu zotsatirazi:

1. Kampani ayenera mwalamulo kuti iye anali zikalata zonse.
2. Banks ayenera kupereka ogwira ntchito dongosolo. Pa kuyankhulana adzaona kuti atiuze za malonda masomphenya anu.
3. mabungwe ngongole akatswiri kuchita chakachi potengera mtendere wa kampani, kotero muyenera kupereka zofunika mawu amaneneratu.
4. Mukukongoza tochepa ndi sing'anga-kakulidwe amaperekedwa ndi pamaso pa chuma ku malowo.
5. Kufufuzidwa kasitomala kukhulupirika. Ngati ngongole ndi chikalata pa IP, onani wobwereka monga payekha. mbiri Mawu ayenera kukhala zabwino.
6. Pamaso pa guarantors ndi co-borrowers kumawonjezera mwayi chiyanjo cha ntchito kwa ngongole ya.
7. Insurance ku mabanki ambiri amaona kuti utumiki kuvomerezedwa.

Only pansi zinthu zimenezi zikuoneka ntchito wavomerezedwa. Popanga cosankha zabwino akuyamba muyezo ndondomeko ya kulembetsa.

Mitundu ya mankhwala ngongole

Mukukongoza tochepa ndi sing'anga lagawidwa mitundu zotsatirazi:

• zikhudze;
• zosangalatsa.

Akulimbana ngongole ntchito zolinga zenizeni, amene zotchulidwa mu mgwirizano. Mwachitsanzo, chifukwa kugula zipangizo zomangira nyumba. Pamene zopelekazi anapanga kuti counterparty a, ndalama ali anatsimikizira mwa zikalata. Izi zikuphatikizapo magazini a zinthu zosiyanasiyana zolembedwa kutumiza.

Kuyamikira Unearmarked ali linapereka cholinga chilichonse. Pa chiphaso zace, akubwera udindo kulipira malipiro khola ndi kuti afotokoze ndalama kasitomala sayenera. chiwongola dzanja pa ngongole osakhala chandamale zambiri kuposa chandamale.

mapulogalamu

Msonkhano uliwonse ngongole kwa tochepa ndi sing'anga ali mbali yake kulembetsa. Zilipo banki kapena mothandizidwa ndi mlangizi. Tsopano pulogalamu limapereka mabanki zotsatirazi:

• Sberbank. mankhwala amatchedwa "Business Start". Pali kuthekera kupeza ngongole popanda ina, koma muyenera guarantors, ndipo chigawo choyamba. The mtengo 17-18%, ndi kuchuluka kwa 100 zikwi. Rubles miliyoni 3. Nthawi crediting ndi miyezi 6-36.
• Rosbank. Inakhazikitsa kuti 40 miliyoni. Rubles kwa pazipita zaka 5. The mtengo 12-16,5%. Muyenera kulipira kamodzi ntchito ndi kupereka monga katundu ina ya kampani.
• TCB. Institution amapereka kuti apereke zosiyanasiyana ma bizinesi: kukhala, kukongoza mwachindunji, kubwereketsa, factoring. Mitengo kuyamba pa 15% ndi ndalama ndi wofanana 30 mln. Rubles.
• "VTB 24". The Bank amapereka Kukhazikika mukukonzeratu ngongole, bizinesi kubweza, kumayambiriro likulu ntchito. Mitengo zosiyanasiyana, kuyambira 9%, ndi kuchuluka kwa 850 zikwi. Rubles. akubwereketsa nthawi ndi wofanana ndi miyezi 120.
• "Alfa-Bank". Ngongole adzapatsidwe zaka 3. The pazipita 6 Mill. Rubles pansi 15%. The Bank sikutanthauza makonzedwe a ina. Pa kulingalira ntchito inu kulipira 2% ya mtengo ngongole.

Ndondomeko kulembetsa a Bank wa ndalama

Choyamba, muyenera funsani banki, crediting SME. Anthu ambiri m'dziko lathu ndi kutembenukira kwa Sberbank. Ndiye muyenera kulembetsa ndi msonkho monga PI a. Nkofunika kudziwa bwino chilolezo pulogalamu, amene ampangira Bank ndalama. M'pofunika kusankha chilolezo bwino.

Mu pulogalamu yake ndikofunikira kuti akonze dongosolo bizinesi: kulenga dongosolo malonda, kudziwa malo nchito ndi kuthetsa nkhani otsala. Kenako, muyenera kusonkhanitsa zolembedwa pa ngongole: pasipoti, chiwerengero wokhoma chizindikiritso, kalata ya IP dongosolo malonda. Ndi awa yofunsira. Iwo ayenera kukonzekera zipangizo (30% kwa malipiro oyamba). Pambuyo kusankha zabwino udayesedwa mgwirizano. Sberbank zambiri amavomereza kugwiritsa ntchito, ngati kasitomala wasankha chilolezo okondedwa.

ndalama ntchito

amalonda ambiri ayamba kuchita kukongoza thumba SME. Iwo amachita guarantors ngongole poyambitsa bizinesi. Amalonda ayenera kufunsira ngongole kubanki, kudziwitsa iye kwa chokhumba cha boma kuthandiza gulu.

Ndiye banki akulingalira ntchito, kutenga nkhani zonse. Ngati kusankha bwino kwambiri atamulonjeza chapatatu. Nthawi zambiri chifukwa mutsogolo kukongoza ang'ono, malonda sing'anga amatenga ochepa. Malinga ndi ntchito chiwembu, mabanki ambiri, koma osati onse.

Malangizo kwa borrowers

Pomaliza ndikupeleka ayenera kukhala bwino ndi pangano, kuti mikangano zina anauka. Muyenera yomweyo mafunso kuti akatswiri. Ngati malonda ndi ndakuwonetserani, ndi bwino kulipira ngongole oyambirira, monga kwambiri chidwi ndi m'gulu miyezi la malipiro.

Borrowers ayenera kuganizira mokoma zotsatirazi:

1. ngongole awa chikalata pa mtengo mokwanira mkulu chidwi. Choncho, ngati mungathe kuchita popanda iwo, ndi bwino kudzatunga ngati ngongole ndalama. Koma ngati inu mungachite izo komabe si ntchito, muyenera mosamala tikuyandikira ndondomeko processing ngongole.
2. Ku banki tinasankha zabwino, m'pofunika kuti akonze dongosolo lapadera malonda. понятно, нужны ли средства, и как будет распределяться прибыль. Kuyambira zidzakhala yomweyo bwinobwino ngati ndalama ndi zofunika, nanga phindu adzakhala kugawa.
3. Chokoma ndi mwini wa zamalonda, kwambiri, amagwira ntchito yofunika kwambiri. Choncho m'pofunika kupereka ma akawunti kuti mwayi wanu cha ngongoleyo. mapepala onse ziyenera kulembedwa bwino.
4. The Bank ayenera kugonjera dongosolo malonda, zomwe sizinatchulidwe tsatanetsatane wa bungwe malonda. Ngati analonjeza, nthawi zambiri pempho wavomerezedwa.

Akukongoza mabizinesi ang'onoang'ono ndi sing'anga-kakulidwe chiopsezo chachikulu chifukwa mabanki. Ngati olimba kupita zinatha, kosamalira ndalama akhoza kutaya ndalama. Choncho nthawi ankafunika kupereka zolembedwa cha kukhalapo pa chuma, komanso guarantors, co-wobwereka. Only pamene kumvera ndi mtima wonse zikuoneka chiyanjo cha ngongole chitukuko ntchito.