Kanjani ukubala inzuzo enhlanganweni

nenzuzo Ukwandiswa - lawa umsebenzi obaluleke kunayo yonke ibhizinisi. Ezweni nokhahlo yokuncintisana kubaluleke kakhulu ukuletha isakhiwo ibhizinisi ukuba nesilinganiso esiphansi ukubuya. Lokhu kudinga isimo somnotho kanye nolwazi ukuthi ukubala inzuzo.

Lapho ngokuqinile kwenkathi ethile lokuqoqa ngenzuzo ke leli nani lihlanganisa zonke izindleko amortization, ukuthengwa izinto zokusetshenziswa, amaholo abasebenzi, ngezidingo, njll Ngakho-ke, kufanele kuqashelwe ukuthi kubalulekile ukwazi ukuthi ukubala inzuzo yebhizinisi. Lokhu kuzokuvumela ukuba inzuzo phezu mncintiswano, amandla aphelele kwenhlangano, uthole ngempela okunqala inzuzo. Nekususa zonke izindleko ezibangelwa isamba semali engenayo ungathola inzuzo ibhizinisi, okuyinto lubonakaliswa ekvivalente.Ottalkivayas yemali ku ukubaluleka lolu lwazi futhi izifiso esikhulu ibhizinisi, cabangela lokho okushiwo yinkulumo umbuzo, indlela ukubala inzuzo. Kuyinto inzuzo oyinhloko ikhombisa leveli yokuphelela ibhizinisi. Kodwa uma inzuzo bangathembela ngisho abangenalwazi imfundamakhwela sezomnotho kungukuqonda indlela ukubala margin ngezinye izikhathi kunzima ngisho umholi ohlakaniphile ibhizinisi.

Kukhona imali ezimbili: sina net. Ngaphambi ukubala inzuzo ibhizinisi, kufanele wazi inzuzo. Umehluko okuholela phakathi ukuqhutshwa net nezindleko iyona okwedlulele. Nokho, uma uthatha zonke izindleko inkampani (ukwehla, izintela, irenti) kusukela inzalo enkulu ke uthumele inzuzo inetha.

nenzuzo Okokuqala - iyona inkomba eyinhloko ukuphumelela yonke ibhizinisi, futhi uzwakalise njengoba amaphesenti (nakuba ungakwazi ukuyibuka kwifomu isici). Cabangela ezimbalwa ongakhetha kuzo izinkomba: ukubuyela ku amafa, yokuthengisa, core ibhizinisi, ikhaya nokulingana kanye nezinye.

Ukuze uthole inzuzo ratio, kubalulekile ukuba kwahlukaniswe inzuzo ku amafa, impendulo okuholela iphindwe 100%.

Cabangela ezimbalwa ongakhetha, kanjani ukubala inzuzo. Ukuze ukwazi Coefficient ukubuya ku-amafa, kuzomele wenze sokuhlukanisa engenayo inetha ngokudonsa inani amafa ngonyaka. Ukuze ukubala ukubuya on ukulingana, kudingeka umholo ophelele ehlukaniswa nokulingana Imininingwane.

Phakathi kwezinye izinto, kubalulekile hhayi kuphela ukuqapha futhi ukubala inzuzo yebhizinisi iyonke. Isici esibaluleke kakhulu yilokho okugcina ntanta inhlangano ngokwayo - kuyinto nemithombo yawo. Kungakhathaliseki ukuthenga umkhiqizo omusha? Shiya intengo efanayo noma engaphansi uma funa uwa? Indlela ukwehlisa izindleko ngaphandle izinga zabekwa umuntu? Lezi futhi abaningi mibuzo neminye ehlobene nenhlangano kanye nokuhlola ukusetshenziswa kwemithombo yenkampani. Futhi kukhona kufanele futhi sesifike embuzweni ukuthi ukubala inzuzo kwemikhiqizo njengento ebaluleke kakhulu.

Umkhiqizo inzuzo - kungenye inkomba inkampani. Bala ukuthi kungaba, ngokuvamile, yonke imikhiqizo edayiswa, kanye izinto ngazinye. Cabanga samuntu kuqala. Isilinganiso inzuzo ezivela yokuthengisa imikhiqizo ukuba izindleko womshini yayo futhi ukudayiswa. Futhi kunezinye izindlela kokubala nenzuzo, isib miscalculation ratio inzuzo ezivela yokuthengisa imikhiqizo lezimpahla kuya engenayo evela yokuthengisa kwezimpahla; ekubalweni balance sheet inzuzo ratio yokuthengisa imikhiqizo. Zonke indices ukukhombisa ukusebenza izindleko yenkampani impahla eluhlaza okungaphezulu futhi nokwenza imali imikhiqizo adayiswa.

Manje cabangela samuntu yesibili. Ukubuya phezu izinto ngazinye imikhiqizo ecaleni inikezwe incike intengo lapho imikhiqizo azothengiswa umthengi, futhi izindleko zawo.

Ukuze uthole abasunguli yimpumelelo ibhizinisi lenkampani kufanele ukwazi ukusebenza kwenhlangano yabo. Yingakho kubalulekile ukukwazi, akwazi ukubala inzuzo yebhizinisi.