Isimo sezimali sebhizinisi: ukuhlolwa nokuhlaziywa

Isimo sezimali sebhizinisi yinzuzo yokugeleza kwemali ekhonza ukuthengiswa nokukhiqizwa kwemikhiqizo yayo. Iqiniso liwukuthi phakathi kwamazinga athuthukayo okukhiqizwa kanye nesimo sezomnotho senhlangano kunesimiso sokuxhomeka kokubambisana. Ukukhula kweminyango yezimboni kuzokwenza ngcono inkampani yenkampani, kodwa ukwehla kwayo, ngokuphambene nalokho, kuyoba kubi kakhulu. Kodwa inhlalakahle yezezimali izoba nomthelela ekukhiqizeni: iyoyinciphisa noma isheshe ijubane. Ake sicabangele ngokuningiliziwe ngale nkinga, kanye nezici zokuhlaziywa nokuhlolwa kwezinhlangano.

Isimo sezezimali sebhizinisi sizoxhomeka ezinkomba eziningana - izinkomba zezimali zokusebenza, impahla, izindawo zokuhlala kanye nokukhokha. Izinkinga ezivela enhlanganweni zivela ngenxa yokuntuleka kwezimali, ukungakwazi ukufinyelela kwemali mboleko, ukunciphisa ngokwemigomo yokuhlinzeka kwabo, ukutshalwa kwezimali okungalungile, ukusetshenziswa okungenangqondo kwemali mboleko, nokunye.

Kunendlela ekhethekile yokuhlaziya isimo sezimali sebhizinisi. Okuqukethwe kwalo kuqukethe ukubikezela nokuhlola inhlangano ngalolu daba ngokuhambisana nedatha yokubika nokubika.

Isimo sezimali sebhizinisi kuleli cala kufanele sicatshangelwe ezikhundleni ezilandelayo:

• Kubalulekile ukuhlola inhlangano kusukela ekubukeni kokuqukethwe komnotho wayo;
• Kunconywa ukuthi kunqume ukuthi uhlelo lwesimo (zangaphandle nangaphakathi) luthinta kanjani izinkomba eziyinhloko neziyisisekelo, kanye nokukhomba ukwehluka okukhona kubo;
• Kufanele kube nokubikezela okujwayelekile kwesimo senkampani;
• Kunconywa ukuthi ukulungiswa, ukuthuthukiswa kanye nokulungiswa okujwayelekile okwenziwe ngesimiso sezinqumo zokuthuthukisa isimo enkampanini kunconywa.

Ukuhlaziywa nokuhlolwa kwesimo sezimali sebhizinisi kufanele kwenziwe ngezinkomba ezimbili:

• Ukuhlaziywa kwangaphakathi kuzokwenziwa ngempela ngabasebenzi balenhlangano ngokulandela uhlelo oluvunyiwe;
• Ukucwaninga ( ukuhlaziywa kwangaphandle ) kufanele kunqunywe yizintshisekelo zabanye abasebenzisi futhi kwenziwe ngokulandela amarekhodi e-accounting esemthethweni.

Isimo sezezimali sebhizinisi sizophumelela uma sikwazi ukukhona, sithuthukise futhi sigcine ukulinganisela kumpahla kanye nezikweletu zayo esimweni sokushintsha ukungokoqobo kwangaphandle nangaphakathi.

Udaba lokuthi ngisho nangenzuzo ephezulu inhlangano ingabhekana nobunzima uma kwenzeka kungenangqondo ukusebenzisa izinsiza zayo zemali. Isibonelo, uma kunqunywe ukutshala izimali ezitokisini noma ukuvumela isikweletu esikhulu ngamalimboleko.

Phakathi kwezici ezinhle zokuzinza komnotho kungabonakala ukutholakala kwemithombo kanye nezinqolobane zokwakheka kwezimali zemali, futhi phakathi kokubi - ubukhulu babo.

Ngakho-ke, ukuze uthole izindlela ezisemqoka ezivela enkampanini noma esimweni esingaguquki, izimo eziningi kuzodingeka zicatshangelwe. Ake siwahlole ngokuningiliziwe.

Okokuqala, kunconywa ukuthi yonke imithombo yezikhumbi zezimboni ivuselelwe njalo.

Okwesibili, kufanele kube nokwanda kancane kancane kwesabelo sezimali ezivela kwinzuzo.

Okwesithathu, isigaba esibaluleke kakhulu ekuhlaziyweni kokusimama kwezomnotho ukuzimisela ukutholakala, ukuthuthukiswa kanye nokuqiniswa kwezimali ezixoxisana ngazo, futhi, okubaluleke kakhulu, ukuphepha kwabo.

Okwesine, kuyadingeka ukwandisa isakhiwo semali, kanye nokunciphisa okunengqondo ezingeni lezinqolobane zabo.

Enye yezindlela eziyinhloko zokuhlola isimo senkampani yi-solvency yayo, isikhathi eside (ikhono lenkampani lokuxazulula izikweletu zesikhathi eside) kanye namanje (ikhono lenkampani lokukhokha izibopho zesikhathi esifushane).