Kodi otaya ndalama ndi momwe iwo anawagawira

Zinthu zamakono oyang'anira ndalama mwachibale kwa osauka ndalama n'kofunika kuti pafupifupi aliyense ntchito. Pomaliza, mmene bwino gulu la amazilamulira ndi akutsogolera otaya ndalama zimatengera mpikisano ndiponso ntchito bwino. The kusanthula chizindikiro ichi amagwira ntchito yofunika kwambiri mu akuona zinthu ndalama kampani.

Lingaliro ndi zomwenso otaya ndalama

Nthawi zambiri izi akuti chuma umachokera ku «otaya ndalama» English mawu omwe angathe kumasuliridwa monga "otaya ndalama". utuluke Cash ndi ogwira ntchito zachuma kayendedwe pa nthawi imeneyi yeniyeni. M'mawu ena, pali kusiyana pakati malisiti ndi malipiro nthawi yeniyeni. Ndi chithunzi ichi, mungamvetse mmene ndalama ndi gulu kuti si nthawi zonse n'komwe kudziwa phindu: malipiro msonkho, ndalama ndalama, kubweza ngongole, misonkho likuvutika phindu, etc. Kwa Kuwulura kokwanira kwambiri kwa akamanena mawu akuti, timaona gulu la zigawo zake.

Mitundu ya utuluke ndalama

1. Malinga ndi kukula njira malonda utumiki:

• Kudutsa kumalo a ntchito. Izi mawonekedwe ambiri, kuphatikizapo inflows onse ndi outflows ya zachuma mu bungwe.
• Malinga mayunitsi structural. Udindo wa iwowa akhoza komanso zinthu monga malo udindo.
• Pa wotuluka yeniyeni malonda. Ndi chinthu chachikulu kulamulira ndalama.

2. Malinga mtundu wa utuluke ndalama bizinesi ndi:

• ndi zinthu ntchito. Kugwirizana ndi malipiro kwa ogulitsa ndi ntchito outsourced zokhudzana ndi ntchito yopanga. Izi zikuphatikizapo malipilo a ogwira zinakhalira mu ndondomeko ntchito ndi ofanana ndalama msonkho. Pa nthawi yomweyo mtundu wa otaya ndalama zikusonyeza chimaposa kugulitsa katundu ndi akuluakulu a msonkho pa nkhani ya Kugawilidwa kwanthaka wa ndalama overpaid kuvomerezedwa;
• zochitika pakuika. Pamafunikanso malisiti ndi malipiro kuchokera ndalama chuma ndi enieni, komanso ndalama kuchokera kugulitsa katundu chosaoneka ndi maso ndi kutaya katundu mapulani onsewo zida mbiri ndalama ndi zotsatira za zinthu zina zofanana;
• ntchito ndalama. mtundu amagwirizana ndi kayendedwe ka ndalama kugwirizana ndi kuukitsidwa kwa ngongole Kuyamikira, zina mwagwirizana ndalama kapena likulu chilungamo, malipiro a mapindu ndi accrued chidwi pa madipoziti, etc.

3. Pa malangizo kapena Zotsatira zake:

• positive. Ndi kuchotsedwa anapeza onse a mtundu uliwonse wa ntchito. Monga analogue ndi kugwiritsa ntchito mawu akuti "inflow la ndalama";
• negative. Buku okwana ndalama mu njira ya ntchito kumalo a ntchito. M'mawu ena, ichi "ndalama outflow".

4. Malinga ndi njira ya kuwerengetsa voliyumu ya otaya ndalama ndi:

• ukonde. Bwaloli kusiyana ndalama zonse zolowa ndi;
• aakulu. N'zimenenso utuluke zonse zabwino ndi zoipa kwa nthawi makamaka malipoti.

5. mawu a adequacy:

• onenepa. Revenues upambana kufunika ku kampaniko;
• patalipatali. The kuchuluka kwa ndalama pansipa zosowa zenizeni za kumalo a ntchito.

6. Mwa njira ya nthawi mumayesto utuluke ndi ndalama ndi:

• N'zoona kuti anapatsidwa ukulu wa nthawi panopa;
• Tsogolo, anapatsidwa ndalama ndi yeniyeni adziwitse nyengo.

7. Malinga ndi kupitiriza kwa mapangidwe ndi:

• wokhazikika (zambiri akufotokozereni zochita opaleshoni);
• apawokha (chifukwa cha malonda munthu wolemera monga kugula chilolezo, perekani thandizo, ogulidwa ndi zovuta katundu, etc.).

8. Bata wa intervals nthawi imene iwo anapanga, utuluke ndalama zonse ndi:

• Zonse fupipafupi nthawi mwa msambo. Chitsanzo ndi annuity.
• Zonse ndi intervals osasamba nthawi mu nthawi yomweyo (mwachitsanzo, pangano malipiro ndi wapadera malipiro ndandanda).

Gulu pamwamba amapereka mwayi kwambiri ndi purposefully kugwira mapulani, kuwerengera ndi kusanthula utuluke ndalama za kampani, mosasamala kanthu za kuchuluka kwa zinthu zake.