Izinkinga wamabhizinisi amancane. Ukubolekwa kwemali amabhizinisi amancane. Ukuvula ibhizinisi elincane

Unyaka ngamunye lenqwaba yamabhizinisi amancane wadala eRussia. Iningi lazo zivaliwe kunyaka ozayo, ingxenye encane isikhathi zifezeke eminyakeni embalwa. Futhi kuphela encane kakhulu uma kuqhathaniswa zonke izinhlangano ezisebenza emakethe ngempumelelo. Muva nje, abantu baye baphelelwa isifiso ukuziqalela amabhizinisi abo. Lokhu kungenxa izinkinga amabhizinisi amancane ezikhona ezweni lethu okwamanje. Kulesi sihloko sizozama sokulungisa le nkinga.

Yini izinkinga ukuphishekela ibhizinisi elincane?

Russian Federation iya ngokuthi kwenziwe ngendlela yalo ekuthuthukisweni ibhizinisi. Lo mgwaqo likubeka ngokucacile, futhi amabhizinisi amaningi kabi ngenxa lokhu. Ukusekela ibhizinisi elincane Kwenziwa ngokuhambisana sengqondo izakhamuzi, umnotho engazinzile, kanye ukuntuleka ulwazi ukuziphatha ngosiko.

Umuntu wanquma ukuziqalela amabhizinisi abo, kumelwe uqonde ukuthi impumelelo yayo akuxhomekile nje kuphela esimweni umzamo luthela usomabhizinisi. Kakhulu bathonywe izinto ezihlukahlukene zangaphakathi nezangaphandle. Zonke eyinkimbinkimbi abasafufusa zingahlukaniswa zibe amaqembu amaningana:

• wezimali;
• izinkinga loans ukuze amabhizinisi amancane;
• nobunzima yenhlangano;
• Logistics.

Lokho ibhizinisi kuvamile futhi ukusebenza elikhiqizayo, kuba nokuxhumana ledzingekako umthengi, kumnikazi isimo. Kuphela kuleli cala, udaba kuyofika empumelelweni.

nobunzima yasekhaya

Lezi zinkinga ibhizinisi elincane zihlanganisa ukungabi nemali, ukuhlela nokuwubuwula nokuphatha. Yiqiniso, abaningi babhekana nokungabi khona inhlokodolobha ekuqaleni-up. Uma nginazo isamba ezidingekayo, lokhu akusona isiqinisekiso sempumelelo. Phela kudingeka umqondo fresh ezinhle, abanekhono business plan, intuthuko eqhubekayo yebhizinisi.

Ngoba kufike umuntu mumbe izinkinga ezinkulu ukuthuthukiswa ibhizinisi elincane ngenxa yokuswela ulwazi bekuhlela efanele imisebenzi. Le nto ayikwazi phansi, njengoba udoti sokungacabangi izinsiza kungaholela ezikweletini. Uma uhlelo, kudingeka sishintshe ngaphansi kwezimo real nazo.

Ukuphatha inhlangano kumele yakhiwe ochwepheshe abaqeqeshiwe. Ngokuvamile ikhanda sikhohlwa okungamaphesenti angu-umsebenzi waso futhi uphendukela umphathi isilinganiso. Lesi simo akusona ngempela nethonya elihle ukusebenza ngokuqinile.

nezindaba Umbango kule nomthetho

Uzokwenza kufanele kuphawulwe ukuthi kuqale isigcawu sokuqala lwezomthetho ibhizinisi elincane wamukelwa ngonyaka 1995. Ngisho ke kwaba sobala ukuthi lo mthetho has inqwaba kahle. Ukuze namuhla omunye isenzo esenziwa ngo-2007. It namanje njalo ukushintshwa.

Ukuvula ibhizinisi elincane eRussia lihlotshaniswa nezinkinga ezithile. Abaningi besaba imibiko engapheli ukuthi wonke usomabhizinisi kumele kube isikhathi esithile. Kukhona uhlelo inhlawulo imibiko hhayi ngesikhathi esifanele okufakiwe kanye izinkokhelo zisenezindinganiso ezinhle zokuziphatha. Ngisho naphezu kweqiniso lokuthi isimo njalo ukhiqiza izinhlelo ukusekela amabhizinisi amancane uhlelo intela lula, inkokhelo zisazohlala mikhulu. Ngakho-ke, abantu asifuni lokudlela nalokhu, ngoba ungakwazi ukunikeza imali engaphezu kuka-uhola.

Regulation kanye nokufinyelela nezinkontileka zikahulumeni

Izinkinga ibhizinisi elincane eRussia futhi ngenxa isiqondiso ezinzima amabhizinisi nguhulumende. Ekusebenteni, ibizwa ngokuthi izithiyo zokuphatha. Lawa amasheke engapheli njalo, inkimbinkimbi sokubhalisa nokuqedwa kwenhlangano, lokuqoqa lenqwaba imibuzo.

Njengoba umkhuba angaphandle, izithiyo kancane ezahlukene amabhizinisi amancane, ngcono okusebenza. Ukususa lezi izithiyo oluyoletha izinzuzo eziningi.

Akusiyo imfihlo ukuthi uhulumeni uzama ngazo zonke izindlela ukusekela ibhizinisi elincane. Nokho, ukuze uthole usizo oludingayo ukuze ukusebenza kanzima. Uma wadalula imuphi umyalo kahulumeni, abaningi abafuna ukuzishaya. Futhi ngokuvamile, ekupheleni asinikezwayo ezinye inkampani ongaziwa osolisayo. Lokhu Yisimo esivamile zenkohlakalo izikimu, futhi kunzima kakhulu ukushintsha. Lokhu isithiyo kuyinkinga engathi sína ibhizinisi elincane.

Izimali kanye unswinyo ibhizinisi elincane

Ukukhuluma ngezinkinga, asinakulishalazela isihloko ukubolekisa amabhizinisi amancane. Iqiniso liwukuthi akubona bonke amabhange bazimisele ukunikeza ekuqaleni usomabhizinisi imali njengoba loan. Ngokwezibalo, eyodwa kuphela kwezintathu osomabhizinisi abasha bengathola loan, bonke abanye kunqatshelwe. Lokhu kungenxa nokwesaba ebhange osomabhizinisi ngeke akhokhe izikweleti.

Uma umuntu uya usethe okwabo futhi uqale ukukhiqizwa ke amathuba ayo okuthola i loan incane. Amabhange bazimisele kakhulu ukunikeza ukubolekisa kulabo bazithatha futhi abuyisele ngesikhathi. Lokhu kubizwa ngokuthi umlando omuhle credit. Futhi, amabhange ngokuvamile bakwethembe, ukunciphisa inani lenzalo kanye nokukhokhwa nyangazonke.

Ngaphezu kwalokho, kuyafaneleka umthelela unswinyo olubhekiswe amabhizinisi amancane. Ukwazisa dollar kanye euro kwaba nethonya elibi phezu kwezamabhizinisi yalolu hlobo. Ngaphambi unswinyo kwakukhona isibalo esikhulu izinkinga amancane eRussia, futhi baba ukuba okwengeziwe.

Uxhaso ukuqala ibhizinisi

Kubalulekile ukwazi ukuthi uhulumeni wenza konke okusemandleni ayo ukusekela ibhizinisi ekuqaleni abantu abadala, ngakho lesi sibonelelo yethulwa. Ngaphansi kwalolu hlelo, lo somabhizinisi angakhipha kuze ruble 500,000. Nokho, ukuthola leli nani, udinga uhlangabezane nezimfuneko ezithile. Ngokwesibonelo, kufanele ashayele ukusebenza iminyaka okungenani emibili. Inhlangano kumele kube abasebenzi abangaphezu kuka-250, futhi kufanele kube khona izikweletu ezinhlotsheni ezihlukahlukene izibopho.

Cash wathola ngaphansi izibonelelo ibhizinisi elincane kungenziwa wachitha phezu kudingekile hardware, i-software, nokunye. D. Kufanele kuqashelwe ukuthi isibonelelo ikhishwa kuphela inhloko-dolobha yezwe lethu. Imali kungenziwa esichithwa ehhovisi iqashwe e Moscow, kanye ukuthengwa izinto zokusetshenziswa. Sicela uqaphele le isimo elandelayo: isamba ukuthengwa akumele leqe 20% isibonelelo.

nezinye imixhaso

Ngaphezu ukusiza okuxoxwe ngazo ngenhla, enikezwa isimo nezinye izimali. Ngokwesibonelo, isinxephezelo ethandwa kakhulu inzalo loan. Njengoba esimweni sokuqala, idinga ukugcwalisa lezimo eziningana. amabhizinisi amancane kufanele yentiwe ngalokusemtsetfweni, usomabhizinisi - ukukhokha izintela ngesikhathi, futhi nginazo isivumelwano sesikweletu waphetha ngelithi akukho iminyaka engaphezu kwamakhulu amabili edlule.

Ngaphezu lokhu kuyadingeka ukuthi inhlangano ingeyona ngokuya ihogela ezohwebo, futhi imali loan akayanga dolobha zokusebenza yenkampani. Kukhona futhi abanye abambalwa uxhaso ukuze amabhizinisi amancane, isibonelo, nokubuyiselwa izindleko ukuze ukhokhe sokuqasha. Lolu hlobo usizo zithandwa, ngoba ungathola kuze ruble 5 million, kodwa kufanele ube ukuqasha ezezimali. Futhi, ngemva kwezinyanga ezimbalwa, usomabhizinisi kufanele athumele umbiko ku izimali wachitha.

amathemba ibhizinisi elincane

Ukukhuluma ngekusasa ibhizinisi elincane eRussia, kuyafaneleka ukuthi uhulumeni uyaqonda ukubaluleka ukuthi amazinga okuphila wezwe. Uma ungenalo ukuthuthukisa kule mboni, abasesigabeni esiphakathi ingashabalala ngokuphelele, kuzoba ukubandlulula emphakathini. Minyaka yonke kukhona uhlelo olusha ukwesekwa ibhizinisi, isimo uya endaweni efanele.

Into esemqoka - ukuze kuqinisekiswe ukuqaliswa zonke amalungelo nenkululeko novice somabhizinisi. Ochwepheshe babikezela ukuthi esikhathini esizayo esiseduze kukhona amahle zisabonakala labo ukuthengisa izimpahla ngenxa yesidingo lokuqala, okungukuthi, igcina ukudla, izingubo nezicathulo. Futhi ungatheli engenawo umsebenzi amagalaji, imoto izona, njll D.

Naphezu kwazo zonke lezo zinkinga amabhizinisi amancane, isimo uya phambili, ukuzama ukuqonda ukuthi ubunzima ukunikela isinqumo sakhe.