Kunja ndalama ndipo ndalama mkati ntchito za kumalo a ntchito: mitundu, gulu ndi makhalidwe

Mu Khadili zosankha zokhudza dongosolo likulu, atsogoleri a zamalonda ntchito ndi mfundo monga magwero mkati ndi kunja kwa ndalama ya kumalo a ntchito.

Izi analandira ndalama ndi zogwirizana pafupifupi bungwe lirilonse. Malinga ndi kuchuluka kwa zinthu zake, ndalama zakunja ndi ndalama mkati ntchito kufanana osiyana. Nthawi zina zokwanira kukopa ndalama mwachilungamo ka ndalama kwa ndalama ndi angongole, nthawi zina gawo la mikango likulu kampani ndi anakongola ndalama. Nkhaniyi pofotokoza waukulu kunja ndi mkati magwero a ndalama malonda. Komanso, makhalidwe awo adzapatsidwa ndi zitsanzo kuunikila ubwino ndi kuipa.

ndi ndalama zakunja ndi ndalama mkati chiyani?

Ndalama zoweta otchedwa kudziletsa kupereka ndalama zonse chitukuko ya kampani (ntchito revenues mwini). Magwero a revenues amenewa:

• Chifukwa kuchititsa ntchito zachuma komanso phindu ukonde.
• Depreciation kudzikundikira.
• Payables.
• Reserve ndalama.
• ndalama pambali kulipira ndalama m'tsogolo.
• Ndalama pa nkhani ya nyengo m'tsogolo.

Chitsanzo cha ndalama mkati amakhala phindu ndalama mu kugula zida zina, pomanga nyumba yatsopano, shopu kapena nyumba zina.

ndalama zakunja zimaphatikizapo kugwiritsa ntchito ndalama analandira mwa kampani kuchokera kunja.

Akhale ndi oyambitsa, nzika boma, mabungwe a zachuma ndi ngongole kapena makampani omwe si ndalama. Chinsinsi ntchito bwino kumalo a ntchito, chitukuko ndi mpikisano kuti moyenera kuphatikiza magwero mkati ndi kunja kwa ndalama. Chiŵerengero cha omwe kukabwereka ndalama zimadalira kuchuluka kwa kampani, kukula kwake ndi mapulani njira.

mitundu ya ndalama

Komanso magawano m'magulu zazikulu ziwiri, magwero mkati ndi kunja kwa ndalama anawagawira mwatsatanetsatane.

m'banja:

• Chifukwa phindu ukonde.
• Depreciation.
• Sale wa chuma chilipo.
• Ndalama kuchokera pangano katundu.

kunja:

• Investment ndalama.
• Ngongole (ngongole kubwereketsa, promissory cholemba).

Zochita za kaŵirikaŵiri ntchito dongosolo wosanganiza: kunja ndi mkati ndalama malonda.

Kodi ndalama m'banja?

Masiku ano, makampani zikugwira kufalitsa phindu, phindu limene zimadalira m'mene yosafuna ndi kothandiza ntchito ntchito mfundo dividentnaya.

Zochokera chakuti atsogoleri ndi chidwi ndi ntchito kwambiri zomveka chuma zimene zilipo kwa iwo, onetsetsani kuti zinthu zofunika kwambiri atatengedwa kupita ku nkhani:

• Tsatirani dongosolo kusamalira pofuna kukwaniritsa kampaniyo.
• zofuna za eni, ogwira ntchito, ndalama akhala anakumana.

Ngati bwino, kufalitsa zachuma ndi onga ntchito za kampani ayenera ndalama zina yafupika. Amasonyeza ubale umene wafala magwero mkati ndi kunja kwa ndalama.

Cholinga cha eni kampani ambiri akhoza kuyitana kufuna kuchepetsa ndi kupindula kwambiri ziribe kanthu mtundu wanji wa ndalama zidzagwiritsidwanso ntchito.

zinthu zabwino ndi zoipa ntchito zawozawo ndalama

ndalama zakunja ndi ndalama mkati, komanso mogwira awo amakhala ndi mmene atsogoleri a yabwino ndi bwino ntchito mitundu ya ndalama.

Ubwino wosatsutsika wakuti ndalama mkati ndi kumene sayenera kulipira mtengo wa kulera likulu kunja. Komanso chofunika kwambiri ndi kuthekera kwa eni kukhalabe ulamuliro wa kampani.

Mwa kuipa kwa ndalama mkati amakhala sizilephereka kwambiri mfundo zimagwirira ntchito. Mwachitsanzo, kulephera kwa ndalama depreciation. Iwo pafupifupi linasiiratu mtengo wake chifukwa kuchepetsa okwana mitengo depreciation pa ambiri mwa makampani zoweta (makampani). Uwerenge sangathe ntchito kugula katundu watsopano lokhazikika. zinthu si kuthandiza ngakhale oyamba a dongosolo la inapita depreciation, monga sangathe ntchito kwa zipangizo alipo lero.

Kodi wabisika pansi pa mawu oti "kunja ndalama"?

Ndi chosowa ndalama zokha za atsogoleri a zamalonda amakakamizidwa amachita ngongole kapena ndalama zachuma.

Pamodzi ndi ubwino zoonekeratu munthu njira yotero (mphamvu kuonjezera buku la malonda kapena kukhala zigawo latsopano msika), pakufunika kubwera kwa ndalama anabwereka ndi malipiro a benefiti kwa ndalama.

Search kwa ndalama zakunja zambiri "kasupe" chifukwa mabizinezi ambiri. Komabe, ndi kuwonjezeka chiwerengero cha ndalama ngati angathe kulamulira eni mabizinezi ali kwambiri yafupika.

Mawu ndi kulunjika ake

Ngongole ngati chida kunja ndalama ndi kubwereketsa kwambiri lomwenso kwa eni kampani, ngati iwo zambiri operewera magwero mkati. ndalama kunja bajeti ya kampani ayenera kukhala zokwanira kuonjezera buku la ulimi, komanso kubwerera ndalama kubwereka chidwi accrued ndi benefiti.

The ngongole anatchula ndalama kuti wokongoza amapereka wobwereka ndi chikhalidwe cha kubweranso chikalata ndalama ndi mwachindunji kuchuluka kwa kugwiritsa ntchito msonkhano uno.

Features ntchito ndalama ngongole ndalama makampani

Ubwino Kuyamikira:

• The kulunjika mitundu ngongole ya ndalama ali ndi osadalira pa wobwereka okhudza ntchito ndalama kwapatsidwa kwa iye (palibe zinthu zina).
• Nthawi zambiri, kwa ngongole ya kampani ndiye mwini wa banki, amene ntchito ku kampani inayake, kotero njira ya kulingalira ntchito ndi issuance a ndalama kumachitika mwachilungamo msanga.

Kuipa kukopa kwa Kuyamikira:

• Nthawi zambiri ngongole ya mwapatsidwa mwayi ogwira ntchito mu nthawi yochepa (zaka zitatu). Ngati njira ya kampani ndi kupeza yaitali phindu kuthamanga ngongole udindo amakhala waukulu kwambiri.
• Kulandira ndalama mu ngongole, kampani ayenera kupereka ina zofanana kuchuluka ankafuna.
• zinthu zina akubwereketsa akukhala lamulo kutsegula akaunti kubanki, omwe si nthawi zonse zopindulitsa kwa makampani.

Ndipo magwero kunja ndi mkati mwa ntchito ndalama ayenera kutsatira kwambiri zomveka ndi yoyenera chifukwa amakhudza mlingo wa profitability wa bizinesi komanso chikoka chake kuti ndalama.

Kubwereketsa: tanthauzo zinthu ndi makhalidwe

Kubwereketsa ndi zovuta za njira zosiyanasiyana za zabizinesi zimene zingatipindulitse ndi lessor ndi lessee, monga kulola kukuza malire a ntchito yoyamba ndi yachiwiri - kusintha zinthu zomwe lokhazikika.

Terms of mapangano pangano ali olekerera kwambiri kuposa kukongoza, monga timatha eni malonda kuti tizidalira akuchedwa ya malipiro ndi kukhazikitsa ntchito zikuluzikulu popanda bizinezi yaikulu ndalama.

Kubwereketsa sikumangotikhudza muyezo wa mwini kukabwereka ndalama, ndiye popanda kuphwanya chiŵerengero amakhala kunja / mkati ndalama za kampaniyo. Pachifukwa chimenechi, sikuti iye kukhala chotchinga kutenga ngongole.

Chinthu chidwi n'chakuti pamene kugula zida pansi mfundo za kubwereketsa pangano, kampani ali ndi ufulu osati kuika pa pepala bwino m'nthawi ya zotuluka pa chikalatacho. Choncho mutu wa mwayi kupulumutsa misonkho chifukwa chuma osati kuchuluka.

Pomaliza

ndalama kunja ndi makampani mkati ndalama zimaphatikizapo kugwiritsa ntchito ndalama zawo kapena ngongole kwa obwereketsa, abwenzi ndalama.

Pakuti bwino kampani n'kofunika kwambiri kuti litsatidwe mulingo woyenera chiŵerengero cha mitundu ya ndalama, komanso zomveka ndi zolondola ndalama chuma onse.