Mipata Cash - izo ... Kodi kuwerengera kusiyana ndalama

Kufuna utuluke ndalama akhoza kugawira bajeti bwino. Komabe nthawi zambiri kusowa ndalama chifukwa ndalama m'goli ndi kuphwanya mfundo za malipiro. Choncho pali mipata ndalama. Izi kawirikawiri vuto kupewa ogwira ntchito iliyonse. Koma samachita nawo zimathandiza dongosolo yolongosoka kulamulira malipiro.

mtima

Cash kusiyana (mu kusiyana ndalama English) - kupanda zosakhalitsa ndalama. Kumachitika pamene pali kufunika ndalama, ndipo palibe ndalama makonzedwe. mavuto Cash otaya mungakumane mabungwe a mitundu yonse umwini. Lingaliro la "kusiyana ndalama" sayenera kusokonezedwa ndi "bajeti zochuluka '. Mbali yoyamba anatchula polandirira msonkho m'goli la ndalama, ndipo chachiwiri - pa owonjezera revenues pa ndalama.

prerequisites

mipata Cash - Sizachilendo kumalo antchito omwe siaboma. Chifukwa pakuwonekera kwake kungakhale:

• kubwezeretsa likuvutika ngongole kubanki yochepa;
• osasamba ndalama;
• kupereka malonda Ngongole;
• kugulitsa katundu pa kuchotsera ndi;
• zogulitsa mwamsanga chuma.

kupewa

Kuugwira otaya ndalama, malonda kupanga bajeti otaya ndalama (BCF) ndi ndalama, ndalama (MDD). Pamaziko a zolemba izi amapanga "Malipiro kalendala," zimene zikusonyeza kuti amene, kodi ndi pamene muyenera kusamutsa ndalama.

njira ina kupewa kulamulira kusowa ndalama receivables. Mungayesere kuti Zimachititsa counterparties adzabwerera ndalama, kuzipatsa Mwachitsanzo, mabonasi kugula m'tsogolo.

Kupereka malonda ngongole, kampani Ayenela:

• kusunga malipoti a nkhani olandila;
• Udindo ngongole;
• kuika malire yolondola ngongole;
• kugwira ntchito ndi chonena pa ndalama overdue.

Koma M'pofunikanso kukumbukira kuti ngakhale kampani ndi dongosolo bwino ulamuliro wa ndalama, izo sizikutanthauza kuti iye sadzakhala ndi mavuto ndi ndalama.

ngongole yochepa

Ntchito padziko vutoli, mungayesere kukambirana ndi ogulitsa kuti mwayi malipiro. Kampani nthawi zambiri chidwi kupitiriza mogwirizana ndi makasitomala. Kulandira chithandizo kamodzi kampani n'zokayikitsa kusintha katundu.

Cash kusiyana mu ogwira akhoza anadzudzulidwa factoring. Bank kugula receivables okha anayesedwa makasitomala ndi pa kuchotsera lalikulu (mpaka 25%). Izi muyeso ndi abwino kwambiri malonda lalikulu muyenera magwero angapo a ndalama.

Ndalama kusiyana ndalama, n'zotheka wodziwitsidwa overdraft kapena ngongole ku banki. Ngati nthawi pakati pa ndalama ndi ndalama umayenda mwa nkhani adzakhala chabe maola ochepa, ndi bwino kugwiritsa ntchito overdraft. Kupeza kuti muyenera kupereka belo. The ndondomeko ya kalembera wa masheya adzatenga nthawi zochepa. Malire si kawirikawiri upambana 50% kuchuluka kwa ndalama mwezi wathawu.

Kuyamikira

Ndalama otaya ndalama, inu mukhoza kutenga zonse ngongole kubanki. Koma kuchuluka mwina ochepa popanda chitsimikizo. Kupeza ngongole mu Ramer chabwino ndi pasadakhale, kutsata malamulo losavuta:

• Mapulogalamu ngongole ayenera anagonjera imodzi mu mabanki angapo. Choncho n'zotheka, choyamba, kugawira kufunika okwana kwa ndalama abwereka, ndipo kachiwiri, kupeza mu mabungwe ndi zabwino ngongole mbiri. Atsopano kudikira yaitali, koma pamene kachiwiri wolunjika nthawi ndi utumiki zinthu mwina zingakonzedwenso mokomera kasitomala.
• mipata Cash - kusowa ndalama ndalama zofunika panopa. Choncho si ntchito ngongole bwino kutumikira pa lalikulu (10-15%) kuchuluka. Only mu nkhani iyi n'zotheka kwenikweni zofunika kuchuluka kwa ndalama. Kuchepetsa ndalama kusiyana chonchi mlandu Adzatsagana ndi kukwera mtengo kwa ina ngongole (kafukufuku wa kufufuza, inshuwalansi katundu, ndi zina zotero. D.) Ndipo malipiro a makuponi malire (1% ya kuchuluka).
• Ngati nkotheka, kupereka monga chikole cha chuma sikutanthauza kulembetsa boma, kuti ndi china kuposa malo. Ngati ntchito monga opaleshoni dongosolo, ndiye muyenera ndiyesere kupeza ndalama isanafike chonse cha mgwirizano kubweza. Ena mabanki muti analoleza zimenezo.
• Kuthana ndi ntchito yatsopano pasadakhale. Mwachitsanzo, mwezi lisanathe mgwirizanowo akale kuti apereke latsopano riziki chomwecho. mwezi wamawa ambiri a ndalama walangizidwa ngongoleyo, ndi zonse zofunika panopa ndi ndalama zolipirira ngongole watsopano.

Mwachitsanzo

kampani adalandira ngongole choyamba mu August 2015 kuchuluka kwa rubles 10 miliyoni. wotetezedwa malo. Pangano anapereka ndalama awiri - mu August ndi September chaka chomwecho - 5 miliyoni rubles. Pamene izo zifika pa mzere ngongole, kuchuluka akhoza anabwerera mkati pang'onopang'ono mwezi. Chinthu chachikulu - kusunga pasanathe mwezi umodzi.

Mu September, kampani adalowa pangano kwa chomwecho rubles 10 miliyoni. chachiwiri belo malo. Komabe, chikalata operekedwa chikhalidwe chimene ngongole okwana pa Mapangano onse mu August sayenera upambana rubles 10 miliyoni.

Chifukwa, pali 2 mgwirizano ndi yofanana, koma ndi mawu osiyana. The ndalama chifukwa mu August (5 mln.) Imatsogoleredwa mokwanira (mu September) ndi alipire wa ngongole choyamba. malipiro onse panopa anapangidwa pa ndalama za ngongole watsopano. chiwembu Izi zipangitsa chitetezo cha likulu ntchito.

Kodi kuwerengera kusiyana ndalama?

Mwachitsanzo, mawerengedwe adzatenga ogwira ntchito ndi chinkhoswe kupanga mkaka. Zogula anapangidwa Lolemba ndi kupereka katundu tsiku lomwelo. Zogulitsidwa malipiro mtsogolo kwa masiku 5. kusiyana Cash ikutuluka nkhani ya kuphwanya mfundo za malipiro amangawa. Lolemba, katundu akhala kutumizidwa kuchuluka kwa rubles 1 miliyoni. ndi imodzi anagula mkaka pa rubles miliyoni 0.5. Pambuyo chobwezera cha nkhani ya zopangira, kampani anachoka miliyoni 0,1 rubles. Pa masiku 5 wamangawa analipira ndalama 200 zokha zikwi. Kulipira yobereka yotsatira sabata kanthu. Pali kuchepa kwa ndalama kuchuluka kwa 300 zikwi.

Izi mawerengedwe wamba kusiyana ndalama n'chotheka mu mabizinezi ang'onoang'ono. njira kuti ntchito zina:

DS + R - O = UDF, kumene:

• UDF - yotsala ya ndalama patsiku;
• DS - Nkhani bwino pa chiyambi cha tsiku;
• P - mwa kundipatsako kwa ndalama;
• About - tsiku la malipiro.

mipata Cash - oipa mtengo UDF. Komanso, m'pofunika kudziwa kufufuza sikelo. Mwina kufunika kugula latsopano sadzatero.

kudikira msonkho

kusowa ndalama kugunda mbiri ya kampani, mbiri bwinja ngongole kumalepheretsa ntchito. Makamaka vuto pamene tili kusankha pakati pa ndalama ndi bajeti ndi counterparties. Ena makampani anayamba kugwiritsa ntchito aligorivimu yosavuta.

Mwa kugonjera msonkho kubwerera ku boma zachuma ayenera kukhala tsiku lomwelo, kapena pang'ono kale (VAT NPP, lathyathyathya msonkho) kusamutsa ndalama bajeti. Koma palibe wina aliyense mofulumira kuti apereke dongosolo malipiro. Pa "zikuuluka" kuti malipiro wapatsidwa chilango. Koma nthawi zina nkwabwino koposa kupereka chindapusa kwa bajeti kuposa kuphimba kusiyana ndalama ngongole yotsatira.

Mwachitsanzo

Ltd. masamu malipiro pasadakhale kwa SPE kwa kotala II kuchuluka kwa rubles 1 miliyoni. kampani ayenera kutchula katundu 04,08 opaka miliyoni 0,9. Chakumapeto August, bungwe amafuna kuchokera wamangawa malipiro a rubles 3 miliyoni. Pa 28,07 chifukwa ali miliyoni 1 Timapitiriza ndalama kusiyana mawerengedwe :. 1 + 0 - (1 + 0.9) = - 0.9 mln .. Taonani njira ziwiri za mabizinesi ndalama.

njira 1

1. 28,07, kampani adzakhala kugonjera kulengeza za msonkho ndi ndalama kuchokera mu kuchuluka kwa rubles 1 miliyoni.
2. 31,07 kampani amatenga ngongole ya rubles 1 miliyoni. 20% kwa mwezi 1; ndalama zimenezi anapereka counterparty olandila - miliyoni 0,9 rubles.
3. 20,08 malipiro ukubwera kuchokera wamangawa kuchuluka kwa rubles 3 miliyoni. OOO akubwerera ndalama anabwereka ndi chidwi.

Ife kuwerengetsa overpayment: 20% / 12% = 1,67.

kuchuluka kuti refunded:. 1000 + 1000 × 1,67% = 1016,7 zikwi Pakani.

Ndiko kuti, overpayment ndi 16,7 zikwi. Opaka.

njira 2

1. 28,07 Company adzakhala kugonjera kulengeza, koma sikuti ndalamazo kubwerera.
2. 03,08 Company asabwezere ngongole kwa katundu kuchuluka kwa rubles miliyoni 0,9.
3. 20,08 aziwapatsa 3 miliyoni rubles. kuchokera wokongolayo.
4. 21,08 kampani kunditumiza ku bajeti pasadakhale kuchuluka kwa rubles 1 miliyoni. ndi imawunikidwa chilango.

mawerengedwe:

Chiwerengero cha masiku a kuchedwa - 24. Mlingo refinancing - 11%.

ndalama kuchuluka: (1000 × 24% × 11) / 300 = 8.8 iwe ..

Kutsiliza: Kampani n'kopindulitsa kuzengereza malipiro pasadakhale msonkho. Ndiye ndalama adzakhala zopanda 7.9 zikwi. Opaka.