Imisebenzi yangaphandle ngezimali kunye mali lwangaphakathi lweshishini: iintlobo, ngokuhlelwa kunye neempawu

Xa ucalulo izigqibo ezinxulumene nolwakhiwo eyinkunzi, iinkokeli zoshishino zisebenza kunye izinto ezifana kwimithombo zangaphakathi nangaphandle ze mali lweshishini.

Ezi ndidi wafumana imali ezifanelekileyo phantse yonke imibutho. Kuxhomekeka ububanzi imisebenzi yayo, imali yangaphandle mali lwangaphakathi lisetyenziswa enkulu ezahlukeneyo. Maxa wambi kwanele ukuba nomtsalane mali ngokungenamkhethe encinane imali abatyali-mali kunye nabo abatyalayo, kwezinye iimeko, isabelo yengonyama lwenkunzi yenkampani na imali ebolekiweyo. Eli nqaku liza ukuchaza mithombo iphambili yangaphandle nangaphakathi yoshishino. Ngaphezu koko, iimpawu zabo ziya kunikwa nemizekelo ukubalaselisa ezilungileyo nezingalunganga.

Yintoni na le mali lwangaphandle kunye nezezimali lwangaphakathi?

imali Domestic ebizwa self-ukubonelela zonke iindleko zokuphuhlisa inkampani (kunye nokusetyenziswa lungeniselo eyakho). Imithombo wesabelo ezinjalo kungaba:

• Oku kubangela eqhuba umsebenzi zemali kunye nezoqoqosho ingeniso net.
• Ukwehla abekwe.
• Iintlawulo.
• imali Reserve.
• Iimali ezibekelwe bucala ukuhlawulela iindleko elizayo.
• Ingeniso evela kwingxelo kwixesha elizayo.

Umzekelo mali lwangaphakathi iba iingeniso utyalo-mali yokuthenga izixhobo ezongeziweyo, ulwakhiwo isakhiwo esitsha, ivenkile okanye kwesinye isakhiwo.

mali yangaphandle kubandakanya ukusetyenziswa kwemali efunyenweyo yinkampani evela ngaphandle.

Ukuze babe yi wabaseki, abemi, urhulumente, amaziko ezemali kunye ngetyala okanye iinkampani ezingezo-mali. Undoqo ekusebenzeni ngempumelelo kwishishini, uphuhliso kunye nokhuphiswano ukuze ngokufanelekileyo nangempumelelo ukudibanisa imithombo zangaphakathi nangaphandle ze-mali. Umlinganiselo kwemali yaye waboleka kuxhomekeke imihlaba nkampani, ubukhulu balo kunye nezicwangciso-qhinga.

iintlobo ngezimali

Ukongeza ukwahlulwa ibe ngamaqela amabini aphambili, imithombo zangaphakathi nangaphandle ze-mali zihlelwa banzi.

lwasekhaya:

• Ngenxa yenzuzo.
• Ukwehla.
• Intengiso yeempahla ezikhoyo.
• Ingeniso evela yokuqasha impahla.

yangaphandle:

• imali Investment.
• Mboleko (iimali-mboleko, ingqesho, phawula promissory).

Nto ithetha ukuba, ngoyena usetyenziswa rhoqo inkqubo mixed: lwangaphandle kunye yangaphakathi ishishini ngezimali.

Yintoni baxhase basekhaya?

Namhlanje, iinkampani inxaxheba kulwabiwo inzuzo, ixabiso elandelwayo exhomekeke ngendlela engabiziyo kokusebenza kweshishini kakuhle dividentnaya nkqubo.

Ngokusekelwe yokuba iinkokeli banomdla ukusebenzisa eyiyo kwezibonelelo ezikhoyo kubo, benza qiniseka ukuba ezona zinto zibalulekileyo zaye zithathelwe ingqalelo:

• Ukusebenzisa isicwangciso obonelela sophuhliso ngakumbi yenkampani.
• imidla zabamnini, abasebenzi, abatyali ziphunyeziwe.

Ukuba yimpumelelo, ukusasazwa yezezimali ukonyusa imisebenzi yenkampani kufuneka inkxaso-mali eyongezelelweyo lifinyele. Oku kubonisa ulwalamano olwahlula kwimithombo yangaphakathi nangaphandle-mali.

Injongo kubanini inkampani ezininzi banokutsalela umnxeba umnqweno ukunciphisa iindleko nokwandisa iingeniso nokuba yintoni uhlobo mali iza kusetyenziswa.

izinto ezilungileyo nezingalunganga nokusetyenziswa kwezibonelelo zemali yabo

imali lwangaphandle kunye mali lwangaphakathi, ngokunjalo impumelelo yabo luphawulwa ngayo iinkokheli lula kwaye buyanceda ukusebenzisa ezi ntlobo mali.

Inzuzo engenakuphikiswa mali lwangaphakathi Kakade akukho mfuneko ukuhlawulela iindleko yokukhulisa capital ngaphandle. Kwakhona kubaluleke kakhulu ithuba abanini ukugcina ulawulo yenkampani.

Phakathi ezingalunganga-mali lwangaphakathi uba nakwenzeka ubalulekileyo isicelo pfunaka. Ngokomzekelo, ukusilela mali ukuphelwa lixabiso. Bona balahlekelwa phantse ngokupheleleyo ixabiso layo ngenxa unciphiso lilonke amaxabiso ukuphelwa lixabiso uninzi lwamashishini yasekhaya (kushishino). bawadibanise ayikwazi ukusetyenziselwa ukuthenga-asethi ezintsha ezisisigxina. Le meko ayizi kunceda nkqu ukuqaliswa komyalelo wamaxabiso olungongezwanga, njengoko ayikwazi ingenakusetyenziswa kulophulo izixhobo ekhoyo namhlanje.

Yintoni into efihlakeleyo phantsi elithi "mali yangaphandle '?

Ngenxa yokunqongophala kwemali yabo ziinkokeli zoshishino banyanzelwa ukuba ukubhenela ukuboleka ezemali utyalo-mali.

Sikunye izinto ezicacileyo lwendlela onjalo (ukukwazi ukwandisa umthamo ishishini okanye ukuphuhlisa ziqwempu ezintsha market), kukho imfuneko yokubuyiswa kweemali waboleka kunye nentlawulo nezahlulo kubatyali-mali.

Khangela zimali angaphandle kudla i "kundincedile" kumashishini ezininzi. Noko ke, ngokuthi sandise inani kwemali uyakwazi ukulawula abanini amashishini yehliswe kakhulu.

Credit neyodwa yawo

Mboleko njengesixhobo mali lwangaphandle na lo walivala ithende kakhulu olufikeleleka abanini zenkampani, ukuba ngokuqhelekileyo siyasilela kwimithombo yangaphakathi. imali yangaphandle-mali le nkampani kufuneka ngokwaneleyo ukwandisa umthamo imveliso, kwakunye ukubuyela imali ebolekiweyo kunye nenzala kunye nezahlulo.

I-credit wabhekisela isixa semali umbolekisi inika obolekayo umqathango lokubuya ekhutshiweyo imali kunye nepesenti esikhethiweyo malunga ilungelo ukusebenzisa le nkonzo.

Iimpawu ukusetyenziswa kwemali-mboleko ukuze ngezimali iinkampani

Izinto eziluncedo ze credits:

• Ingakumbi iintlobo yamatyala mali ezizimeleyo ngokwentelekiso umboleki ngokuphathelele ukusetyenziswa mali elinikwe kuye (akukho ezinye iimeko).
• Ngokufuthi, ngokuba mboleko benkampani uba ngumnini ebhankini, ebonelela ngeenkonzo ukuba ishishini elithile, ngoko ke inkqubo ye ingqalelo kwesicelo kunye nokukhutshwa kwemali kwenzeka ngokukhawuleza.

Ezingeloncedo nokutsala credits:

• Ngokufuthi mboleko lufunyanwa beshishini kwixesha elifutshane (ukuya kwiminyaka emithathu). Ukuba icebo le nkampani kukuba ukufumana izibophelelo uxinzelelo ingeniso ngetyala ixesha elide kuba kukhulu kakhulu.
• Ukuze ufumane imali ngetyala, inkampani kunyanzelekile ukuba akananto ezilingana nemali oyifunayo.
• iimeko Ngamanye amaxesha zizinike uba imfuneko ukuvula i-akhawunti yebhanki, nto leyo akusoloko ongenakunceda kwiinkampani.

Kunye kwimithombo yangaphandle nangaphakathi yeshishini lwemali kufuneka asebenzise kakhulu esinengqiqo efanelekileyo kuba kuchaphazela umgangatho inzuzo kwishishini kunye nomtsalane yayo kubatyali-mali.

Yokuqasha: inkcazelo, iimeko kunye neempawu

Leasing imbaxa ngeendlela ezahlukeneyo izenzo zoshishino ukuba kuluncedo ukuba umqeshi kunye oqeshe indlu, njengoko ukuvumela ukwandisa imida umsebenzi wokuqala yaye okwesibini - ukuhlaziya impahla ezisisigxina.

NgokoMthetho izivumelwano zokuqesha izinto zobunene ngaphezu liboleke abanye, njengoko kuvumela umnini weshishini ukubala phezu ukulibaziseka kweentlawulo kunye nokuphumeza iprojekthi enkulu-isikali ngaphandle utyalo-mali ezinkulu zemali.

Leasing awuchaphazeli intsalela mali yaye ibolekwe, oko kukuthi, ingangqubani umlinganiselo eziphawula mali lwangaphandle / lwangaphakathi yenkampani. Ngenxa yesi sizathu, yena ingabi usisikhubekiso ukufumana imali-mboleko.

Into enikisa umdla kukuba xa uthenga isixhobo phantsi imiqathango yesivumelwano kokuqeshisa lo, le nkampani unelungelo kungekhona kwiphepha lomncono ngethuba lokuba semthethweni kolu xwebhu. Ngaloo ndlela, intloko ithuba ukusindisa irhafu kuba asethi hayi bandile.

isiphelo

imali lwangaphandle kunye neenkampani mali lwangaphakathi lubandakanya ukusetyenziswa imali okanye lokuboleka evela nababolekisi, amaqabane kunye nabatyali zimali.

Kuba impumelelo nkampani kubaluleke kakhulu ukuthotyelwa ratio ngokupheleleyo kwezi ntlobo mali, kwakunye nenkcitho esinengqiqo ubengokufaneleyo zonke izibonelelo.