Imajini - umahluko phakathi ... imigomo kwezomnotho. Kanjani ukubala wekhasi

Ngokuvamile imigomo Economic kuyadida futhi kuyindida. Esivela umuzwa enembile, kodwa ukuchaza amazwi yakhe yasobala, ngaphandle kokuzilungiselela, okuthukelayo iphendula. Kodwa lesi simiso okuhlukile zenzeka. Ngezinye izikhathi, incazelo yaleli gama ajwayelekile, futhi sifunde sijule ezihlokweni kuba sobala ukuthi ngokuphelele yonke amagugu ayo aziwa kuphela kumbuthano ewumngcingo ochwepheshe.

Sezwa konke, kodwa bambalwa abantu bazi

Thatha igama elithi "wekhasi" isibonelo. Igama ilula futhi kungashiwo kwansuku zonke. Isikhathi esining impela ke elikhona inkulumo zabantu zisekude umnotho noma stock yokuhweba.

Iningi ukholelwa ukuthi margin - umahluko phakathi iyiphi izinkomba eyohlobo. Usekuxhumaneni kwansuku leli gama lisetshenziswa ngokunganaki engxoxweni yokudayisa inzuzo.

Bambalwa abantu bazi ngokuphelele yonke amagugu umqondo ngokwanele ezibanzi.

Nokho, kubalulekile ukuqonda umuntu okhona kuzo zonke umqondo eside, ngakho lowo mzuzwana ezingalindelekile bona "sokungafuni ukulahlekelwa isithunzi."

I wekhasi emnothweni

ithiyori Economic uthi ohlangothini - umahluko phakathi intengo umkhiqizo kanye nezindleko zayo. Ngamanye amazwi, sibonisa kanjani ngempumelelo imisebenzi inkampani enomthelela ukuguqulwa kwemali engenayo zibe yinzuzo.

Imajini - elithile isihlobo, lubonakaliswa njengoba amaphesenti.

Ake sibone ukuthi ukubala margin:

Imajini = Inzuzo / Revenue * 100.

Ifomula ulula, kodwa ukuze uthole bedidekile ekuqaleni kwegama elithi cwaningo, cabangela isibonelo esilula. Le nkampani usebenza ngemajini 30%, lokhu kusho ukuthi ngamunye ukuqhutshwa ruble 30 kopecks inzuzo net, kanye asele 70 amasenti - izindleko.

imajini okwedlulele

Esikhathini ukuhlaziya inzuzo yebhizinisi inkomba eyinhloko kokubili imisebenzi kuyinto ohlangothini okwedlulele. Ifomula ukubala limelela umehluko phakathi isukela yokuthengisa esikhathini kanye nezindleko elibanzi ukukhiqizwa mikhiqizo.

Kuphela ingabe ezingeni wekhasi okwedlulele akuvumeli okwesikhathi ukuhlolwa egcwele nesimo esingokwezimali inkampani. Futhi, ngosizo lwakhe ayikwazi ukuhlaziywa ngokugcwele futhi sesaba ukuhlanganyela ezicini ezithile imisebenzi yayo. Kuyinto Inkomba kohlaziyo. Ibonisa indlela impumelelo inkampani iyonke. margin Gross adalwe lomtshikatshika abasebenzi esichithwa ukukhiqizwa kwezimpahla noma ukuhlinzekwa kwemisebenzi.

Kuhle kokusho into eyodwa ngaphezulu, okuyinto nakanjani kucatshangelwe lapho kubalwa into efana "wekhasi ezinkulu". Ifomula angase acabangele imali kuyinto amabhizinisi realizable futhi ibhizinisi. Lezi zihlanganisa i-bhala-off ama-akhawunti atholakalayo futhi ezikhokhwa, ilungiselelo non-commercial amasevisi, imali yini esingayifunda ekuziphatheni kwale Umbuso indawo yomphakathi, nokunye. D.

Ngoba umhlaziyi kubalulekile ukubala margin cwe, njengoba le nkomba ekhiqizwa inzuzo net inkampani, kanye eminye izimali ukuthuthukiswa.

Ngo ukuhlaziywa kwezomnotho, kunesinye umqondo efana eceleni cwe, ibizwa ngokuthi "inzuzo wekhasi" futhi libonisa nembuyiselo yokuthengisa. Okungukuthi, abangabantwana isabelo inzuzo e lemali engenayo.

Amabhange wekhasi

inzuzo Ibhange futhi imithombo yayo ubonisa eziningi izinkomba. Ukuze ukuhlaziya umsebenzi ezikhungweni ezifana wamukela ukubala abantu abaningi kangangokuthi abane eziseceleni ezahlukene:

• Credit wekhasi kuhlobene umsebenzi credit izivumelwano, kuchazwa njengoba umehluko phakathi isamba wathi futhi idokhumenti empeleni ekhishwe ususondele.

• Bank wekhasi ibalwa njengoba umehluko phakathi zenzalo loans kanye imali.

• Net isithakazelo wekhasi kuyinto inkomba ayisihluthulelo nekusebenta imisebenzi yasebhange. Ifomula ukubala kubukeka sengathi i kangakanani izingqinamba ratio Imali engenayo kanye nezindleko ukuthi yonke imisebenzi emafeni ingqikithi ebhange. margin Net ibalwa okusekelwe kokubili amafa wamabhange Imininingwane futhi ehileleke kuphela umsebenzi okwamanje.

• Isiqinisekiso margin - umahluko phakathi ukubaluleka abekiwe we eseduze kanye nenani okunikeze umboleki.

Lezi namanani ahlukene

Yiqiniso, kumele baphathe umnotho akusho uthanda emagama, kodwa endabeni ukusetshenziswa kwegama elithi "wekhasi" lokho kwenzeka. Yiqiniso, endaweni isimo esifanayo yonke imibiko kohlaziyo uhambisane ngokuphelele nomunye. Nokho, ukuqonda Russian igama elithi "wekhasi" ukuhweba wehlukile European. imibiko abahlaziyi angaphandle ', kuba isilinganiso inzuzo etholakale ngokudayiswa kwezimpahla ngentengo yalo ethengisa. Kulokhu ohlangothini sivezwe njengoba amaphesenti. Sebenzisa leli nani ngoba kokuhlaziywa eyisihlobo ukusebenza yokudayisa umsebenzi wenkampani. Kuyaphawuleka ukuthi isimo sengqondo European sibalo ohlangothini okuhambisana ngokugcwele eziyisisekelo zokubala emkhakheni we ithiyori kwezomnotho, okuyinto lona wawulotshwe ngenhla uthi.

Nokho, e-Russia, leli gama Kuyaqondakala inzuzo inetha. Okungukuthi, ukubala wenziwa, umane ukubuyisela leyo eside ngomunye. Iningi bakithi margin - umehluko phakathi yokudayisa kwezimpahla kanye nezindleko phezulu ekukhiqizeni yayo (yokufuna), ukulethwa, ukuqaliswa. Lubonakaliswa ruble noma ezinye esilungele lwemali izibalo. Kungase kube wanezela ukuthi isilinganiso wekhasi phakathi ochwepheshe akuyona okuningi ezahlukene kusukela isimiso nokusetshenziswa kwegama elithi ekuphileni kwansuku zonke.

I-margin lihlukile wekhasi Ukuhweba?

Ngokuphathelene negama "wekhasi", zikhona eziningi imibono evamile eyiphutha. Ezinye zazo kakade kuchazwe, kodwa ezivame kakhulu asizange okwamanje wathinta.

Ngokuvamile kudidaniswe inkomba wekhasi Ukuhweba wekhasi. Umehluko ilula kakhulu phakathi kwabo. Inzuzo wekhasi ihlobene abiza. Ukuze uthole ukwaziswa mayelana nendlela ukubala wekhasi, siye eshiwo ngenhla kakade.

Isibonelo engokomfanekiso kuzosiza ukungabaza engahlosiwe.

Ake sithi inkampani wathenga impahla $ 100 wasithengisela 150.

Thina ukubala i-trade mark: (150-100) / 100 = 0,5. Ukubala wabonisa ukuthi uphawu-up 50% ukubaluleka izimpahla. Endabeni kubalwa wekhasi ukuba kanje: (150-100) / 150 = 0,33. Ukubala yabonisa ohlangothini 33.3%.

Uhlaziyo lesifanele izinkomba

Ukuze umhlaziyi professional kubaluleke kakhulu hhayi kuphela ukuze bakwazi ukubala Inkomba, kodwa futhi ukunikeza incazelo yalo abanekhono. Lona umsebenzi eziyinkimbinkimbi okudinga
esimnandi.

Kungani lokhu kubaluleke kangaka?

izinkomba yezimali kunalokho isihlobo. Athonywa izindlela ukuhlolwa, ikhumbula izimiso, imibandela lapho le nkampani yenza ibhizinisi, izinguquko lwemali nakwentiwa nokunye. D. Ngakho-ke, umphumela izibalo azikwazi ngokushesha esichazwa ngokuthi "okubi" noma "kuhle." Kufanele ngaso sonke isikhathi ukwenza analysis olwengeziwe.

Imajini ezimakethe isitokwe

Lokushintshisana wekhasi kuyinto inkomba eqondile. On a professional isitsotsi wabathengi kanye abahwebi akusho inzuzo, njengoba kuzo zonke izimo ezichazwe ngenhla. I-margin ezimakethe isitokwe buya uhlobo eseduze ngemisebenzi, futhi inkonzo abathengisa enjalo ibizwa ngokuthi i- "wekhasi Ukuhweba".

Wekhasi Ukuhweba isimiso simiswe ngalendlela lelandzelako: ekuphetheni kuthengiselana zimali engakhokhi inani eligcwele yesivumelwano ngokugcwele, lisebenzisa imali waboleka broker yakho, kodwa kuphela idiphozi encane is ezidonswe ku-akhawunti yakhe. Uma umphumela wokusebenza eyenziwa zimali engasihileli, ukulahlekelwa imbozwe idiphozi nokuvikeleka. Esikhathini isimo obuhlukile, Ngizuzeni zifakwe ku idiphozi efanayo.

Imajini ukuthengiselana kunendlela hhayi kuphela ukwenza ukuthenga nge izimali ezibolekwe nomdayisi. Ikhasimende futhi bangathengisa izibambiso waboleka. Kulokhu, kuzodingeka akhokhe izikweletu kanye iphepha efanayo, kodwa ukuthenga kubo senziwa ngemva kwesikhashana.

nomdayisi ngamunye inikeza zimali yayo nge ilungelo ukuqhuba wekhasi Ukuhweba bebodwa. Nganoma yisiphi isikhathi, angase angalwamukeli ukunikeza inkonzo enjalo.

Izinzuzo wekhasi Ukuhweba

Ngokusebenzisa iqhaza ukuthengiselana abekelwe emaceleni, abatshalizimali uzothola eziningi izinzuzo:

• Ikhono zohwebo ezimakethe zezimali, ngaphandle kokuthi i-akhawunti amanani kahle esikhulu. Lokhu kwenza wekhasi Ukuhweba ibhizinisi inzuzo kakhulu. Nokho, iqhaza ekusebenzeni, akufanele sikhohlwe ukuthi izinga lobungozi akuyona elincane kakhulu.

• Ithuba uthole imali eyengeziwe ne ukwehla enanini emakethe lamasheya (ezimweni lapho iklayenti kunesithembiso izibambiso broker).

• Ukuze ahwebe zezimali ezahlukene okungadingeki ngempela ukuba lifake izimali zabo kulezi zezimali.

ukuphathwa izingozi

Ukunciphisa margin ingozi ekuphetheni ukuthengiselana, broker esabela ngamunye zimali zayo nenani ukuphepha kanye nezinga wekhasi. Esimweni ngasinye, ukubala senziwa ngamunye. Ngokwesibonelo, uma emva kuthengiselana kwenzeka ku-akhawunti zimali ibhalansi alivumi, ohlangothini ezingeni ebalwe fomula elandelayo:

URM = (DC + GI-CA) / (DW + CA), lapho:

DK - zimali emalini idiphozi;

SA - ukubaluleka ukwabelana kanye nezinye izibambiso wemali, broker wathola njengoba eseduze;

Zi - izikweletu zimali ukuze broker ngoba loan.

Ukuziphatha Sledkov kungenzeka kuphela uma margin ezingeni okungenani u-50%, futhi ngaphandle kokuba ezibekwe kuMthetho isivumelwano iklayenti. Njengoba ojwayelekile, broker akakwazi ukungena ukuthengiselana ukuthi kuzonciphisa izinga margin ngezansi umkhawulo isethi.

Ngaphezu kwalokho, izimfuneko margin ukuthengiselana ezimakethe isitokwe kwaphoqa lezimo eziningana yakhelwe lula futhi uvikelekile broker ubuhlobo kanye zimali. Icacisa usayizi esiphezulu we ukulahlekelwa, izikweletu ukuvuthwa, ngokuya ushintsho inkontileka, nokuningi.

Ukuze uqonde ukwehluka elithi "wekhasi" esikhathini esifushane kunzima. Ngeshwa, kwesinye isihloko akunakwenzeka ukutshela mayelana nazo zonke izindawo uhlelo lwayo lokusebenza. kuphela amaphuzu enkulumo ayisihluthulelo ukusetshenziswa kwalo zinikwa i-agumenti ngenhla.