Zezimali ukuhlaziywa ibhalansi njengenye kwezezimali ukuhlola.

Umnotho emakethe kwenza omningi nezidingo amabhizinisi ukuthi ufuna usebenza kuwo. Lezi zindlela eziyinhloko ngawo ukuhlolwa amafemu, kuba ukusebenza kahle kanye nokusimama kwezimali. Lesi sakamuva e jika eduze ahlobene negama ezifana zezimali, okungase wafunda ngezindlela eziningana. Mhlawumbe ethandwa kakhulu kungenziwa ngokuthi ukuhlaziywa ukulingana zezimali, siyakufela sixoxe ngaso kabanzi.

Ngaphambi kokuqhubeka incazelo indlela, kubalulekile ukugxila yini zezimali. Ngokuphathelene isimo sethu ezingeni esiphakamisa ngalo ephelele futhi kunembile izibopho ibhizinisi ziphephile ngenxa impahla yayo. Ngqo ukuhlaziywa zezimali sinqamukile ibhalansi phansi zombili ibhalansi inani elifanayo amaqembu kanye ukuqhathanisa yabo okwalandela omunye nomunye. Ngo inqubo behlukanisa Yakha okuthiwa balance sheet zezimali. ukunakekelwa okukhethekile kufanele kube ukugxila kanjani ngendlela efanayo ukwakha la maqembu.

Ukuhlaziywa zezimali ibhalansi ngokuvamile olwenziwa ukuqhathanisa pairwise amaqembu 4 kwempahla, ngokufanele, ubhale izinkinga ezihilelekile. Amafa eqoqelwe ndawonye, kuye ngezinga of impahla ibe yimali futhi zibekwa ngokulandelana ukwehla zaso kanye nezikweletu - ngokuvumelana wokuphuthuma, esukela ukuze kuncishiswe it.

Izimpahla iqembu lokuqala kukhona uketshezi ngokugcwele, ngakho lapha kuhlanganisa kuphela imali kanye notshalomali yesikhashana. Impahla yilona qembu kwesibili akunalo imali, kodwa uthola pretty masinyane - emfushane-elithi "ama-akhawunti atholakalayo" nezinye izimpahla zamanje. Iqembu lesithathu kwempahla ukwenza imali nzima njengoba lokhu kuhlanganisa amasheya kanye nokutshalwa enzelwa esikhathini eside. Ngokusobala, bonke impahla kwamanye kufakwe iqembu lesine awuketshezi okungenani, kunzima ukuqaphela.

Qhubekisa ngokuthwebula ubhale izinkinga ezihilelekile behlukanisa, okuyinto elula nakakhulu. Iimbopho esiphuthumayo kunazo baqaphela okumele zikhokhelwe kanye nezikweletu yesikhathi esifushane ohlwini oxubile. Bakha nezikweletu iqembu lokuqala. Labo abasele abanga- short-term izikweletu kungenziwa kwiqembu yesibili. Ukuzibophezela eside kubo bonke umthamo yayo igcwele iqembu lesithathu, nazo futhi fixed nezikweletu (ie kwemali ekhona futhi alondoloza) - yesine.

Ngemva akhiwa amaqembu, kuyadingeka ukwenza ukuqhathanisa phakathi kwazo. Kunalokho, kubalulekile ukuqhathanisa inhlanganisela pairwise ka ngokuqondene nezimpahla kanye nezikweletu, isb iqembu lokuqala nge kokuthoma, kwesibili, ngokulandelana, owesibili nokunye kuze kube sekupheleni. Uma ukubaluleka ezinengcebo, lokhu kubizwa ngokuthi babutha inkokhelo, futhi uma kungenjalo - ukuntula yokukhokha. Ingabe Ohulumeni Banalo Lonke zezimali ibhalansi kungatholakala ebukhoneni okweqa imibhangqwana emithathu yokuqala kanye nokuntuleka yesine. Lokhu icala sakamuva umqondo kwezomnotho eqakatheke khulu, njengoba kufakazelwa iqiniso lokuthi inkampani siqu ukusebenza nenhloko-dolobha yalo.

Kusobala ukuthi akuwona wonke amabhizinisi ngokuphelele zezimali ibhalansi. Kungase kwenzeke ukuthi izimpahla ketshezi ngeke ukwanele ukukhokha imbuyiselo. Kulokhu-ke kuyadingeka ukuthatha izinqumo okuhloswe ngazo ukuzinza isimo, njengoba engaphansi amafa ketshezi ukuwahlanganisa kuphela olungaba isinxephezelo zezimali ephakeme.

Indlela okuchazwe ngalo olwenziwa ekuhlaziyweni zezimali ibhalansi, sisebenza kuphela kumabhizinisi komnotho yangempela. Uma umsebenzi sihlaziye zezimali kanye solvency ebhange, kubalulekile ukuba uxhumanise eduze kakhudlwana nomunye ku isikhathi kanye nenani ngokuqondene nezimpahla kanye nezikweletu, njengoba umdlalo wabo kubalulekile yisiphi isikhungo credit.