Izikhewu Cash - it ... Indlela ukubala umsantsa cash

Izicwangciso nokuphuma kwemali endinokumthumela lwabiwo-mali ngempumelelo. Kodwa practice ntonje yokunqongophala kwemali ngenxa yengeniso akulingani lunyhasho ngokwemiqathango intlawulo. Ngoko kukho izikhewu imali. Oku idla ingxaki nelingenakutsitywa naliphi na ishishini. Kodwa xoxani ngayo kundinceda inkqubo ezinxityelelanisiweyo yolawulo intlawulo.

intliziyo

isithuba Imali (in ethubeni imali IsiNgesi) - kukho ukunqongophala kwemali okwethutyana. Oku kwenzeka xa kukho imfuneko yokuba uchithe imali, yaye akukho ingeniso ocwangcisiweyo. iingxaki kwemali ezinokuvela kwimibutho zonke iintlobo zobumnini. akufuneki mazingabhidaniswa "logqithiso" Le mbono "gap yemali". Kwimeko yokuqala ekubhekiswa kokufunyanwa obungalinganiyo kweemali, kwaye eyesibini - on kwakuwo lungeniselo phezu iinkcitho.

ngumba

izikhewu Cash - kuqhelekile kumashishini. Izizathu livela ingaba:

• wemvula ngokuncama-mboleko yebhanki zexesha elifutshane;
• Inkcitho enxamnye noko bekumiselwe;
• credit yorhwebo;
• intengiso yempahla kwi isaphulelo;
• ukuthengiswa ngokukhawuleza kwee-asethi.

ukuvimbela

Ukuze ulawule cash flow, amashishini kwenza mali cash flow (BCF) kunye nengeniso, iindleko (MDD). Ngenxa yezi maxwebhu zenze "ikhalenda Intlawulo," nto leyo ebonisa ukuba kuye, kufuneka kangakanani kwaye nini ukudlulisela imali.

Enye indlela ulawulo kukuba ukulawula nokunqongophala cash ezifunyanwayo. Ungazama ukuvuselela ngamahlakani ziya kubuya imali, wabavumela, umzekelo, iibhonasi ukuthenga elizayo.

Ukubonelela credit yorhwebo, inkampani kufuneka:

• ukugcina iirekhodi akhawunti ezifunyenweyo;
• bakuzibalela ityala;
• ukubeka imida ezichanekileyo mboleko;
• ukwenza umsebenzi kunye izimangalo isixa-mali ebesilindelwe.

Kodwa ke kubalulekile ukukhumbula ukuba nokuba inkampani yinkqubo ecacileyo yolawulo -mali, oko akuthethi akuthethi ukuba akayi kuba iingxaki nemali.

mboleko zexesha elifutshane

Ukuba usombulule le ngxaki, uyakwazi uzame ukuthethana kunye nabathengisi ukuba ukhethe intlawulo. Iikontraki asoloko enomdla ekuqhubekeni ukusebenzisana kunye nabathengi rhoqo. Ukufumana uncedo ngemali xa inkampani kungabi yinto enokufane iguquke kumthengisi.

umsantsa Imali kwi lingafaka wayelungiswa kahle. Bank ithenge ezifumanekayo uvavanyo kuphela abathengi kunye at isaphulelo enkulu (ukuya kwi-25%). Lo mlinganiselo sifaneleke ngakumbi kumashishini amakhulu ekufuneka imithombo yolwazi eziindidi ngeendidi mali.

Ukuze ngezimali umsantsa cash, kusenokwenzeka ukuba ufumane i-ovadrafti okanye imali-mboleko ebhankini. Ukuba ixesha phakathi kwenkcitho kunye nemali aqukuqela akhawunti ziya kuba nje kweeyure ezimbalwa, kuya kuba kuhle ukuba ukusebenzisa i overdraft. Ukuze ufumane ukuba kufuneka unikezele ibheyile. Inkqubo yobhaliso kwizabelo ziya kuthatha ixesha elincinci kakhulu. Umda Akukho kaninzi ngaphezu kwama- 50% ye isixa-mali sengeniso kule nyanga iphelileyo.

credits

Ukuze ngemali ezinkozo ekhoyo, unako ukufumana imali-mboleko ebhankini rhoqo. Kodwa ke imali lincinane kakhulu ngaphandle siqinisekiso. Ukuze ufumane i-mboleko kwi ekunene Ramer yaye kwangaphambili, ukuba kulandelwa imithetho elula:

• Izicelo mboleko kufuneka zingeniswe ngexesha elinye kwiibhanki eziliqela. Ngoko ke kunokwenzeka, kuqala, ukuba awabe imfuno iyonke imali ebolekiweyo, yaye okwesibini, ukuba imali kumaziko eziliqela imbali entle ngetyala. Abasanda kufuneka ulinde ixesha elide, kodwa xa ngokutsha yokuphatha iimeko ixesha kunye nkonzo ihlaziywe ngokuphathelele ngokuthanda client.
• izikhewu Cash - nokungabikho kwemali kwiindleko neemfuno zangoku. Ngako oko ke akukho sicelo mboleko kungcono wakhonza kwi (10-15%) imali enkulu. Kuphela kule meko yinto enokwenzeka ngokwenene ukufumana isixa eyimfuneko ngemali. Ukucutha isithuba imali kwimeko enjalo kuya kukhatshwa ngokuvuka iindleko ngummeli wowona mboleko (uqikelelo -inventri, inshorensi impahla, njalo njalo. D.) Yaye intlawulo mda elingasetyenziswanga (1% ye-mali).
• Ukuba kunokwenzeka, ukubonelela njengesibambiso impahla ayidingi ubhaliso karhulumente, oko kukuthi nantoni na ngaphandle izindlu. Ukuba oku kusetyenziswa njengoko indlela yokusebenza, ngoko ke kufuneka azame ukufumana imvume yokungena kwi mali phambi kokuba nokubhaliswa kwesivumelwano yemali. Ezinye iibhanki beza iminyinyiva ezinjalo.
• Ukuze ukujongana isicelo esitsha kwangaphambili. Umzekelo, inyanga phambi kokuba ekupheleni kwekhontrakthi endala ukukhupha ezintsha phantsi ilungiselelo efanayo. Kule nyanga izayo uninzi ingeniso ngqo ukuba ayihlawule loo mali, kunye nazo zonke ezi mfuno ngoku ngemali mboleko entsha.

umzekelo

Le nkampani ufumene imali-mboleko yokuqala ngo-Agasti 2015 kule mali engange million 10. indawo ekhuselweyo. Sivumelwano ngaphandle iintlawulo ezimbini - ngo-Agasti nangoSeptemba kulo nyaka - 5 million engange. Xa kufikwa kumgca yamatyala, isixa zingabuyiswa kwisithuba izavenge ngenyanga. Eyona nto ibalulekileyo - ukugcina ingaphelanga inyanga enye.

NgoSeptemba, inkampani angena kwenye kwisivumelwano efanayo engange 10 million. i indawo ibheyile yesibini. Noko ke, olu xwebhu ngaphandle kokuba imeko ukuba ityala lilonke kuzo zombini iimvumelwano ngo-Agasti mayingagqithi engange million 10.

Ngenxa yoko, kukho 2 contract yi-mali efanayo, kodwa amagama ezahlukeneyo. Ingeniso ezibangela Agasti (5 mln.) Ngaba ngqo ngokupheleleyo (ngoSeptemba) ukuba ukuhlawula imali-mboleko yokuqala. Zonke iintlawulo ngoku zenziwa ngeendleko-mboleko entsha. Esi sikimu iqinisekisa ukhuseleko zokuqhuba.

Indlela ukubala umsantsa imali?

Hi xikombiso, le ndlela yokubala iza kuthatha i lweshishini benza imveliso iimveliso zobisi. Ukuthenga zenziwa ngeMivulo kunye nokuhlawulwa kwempahla ngosuku olufanayo. Bethengisa intlawulo elityazisiweyo nekude iintsuku ezi-5. kuvela isithuba Imali xa besaphula ngokwemiqathango yokuhlawula abo banamatyala. NgoMvulo, iimpahla ziye zithunyelwe kwi-mali engange million 1. kanyekanye wathenga milk million 0.5 engange. Emva kokuba intlawulo ingxelo izinto ekrwada, inkampani ngasekhohlo yezigidi 0.1 engange. Kwiintsuku zokuqala 5 onetyala iye ihlawulwe kuphela 200 lamawaka. Ukuhlawula ngemicimbi yekharityhulam kumaziko nto kwiveki elandelayo. Kukho yokunqongophala kwemali kwi-mali ka-300 lamawaka.

Le izibalo elula umsantsa cash kunokwenzeka kuphela kumashishini amancinci. indlela ezakusetyenziswa kwezinye iimeko:

DS + R - O = UDF, apho:

• UDF - intsalela mali ngosuku;
• DS - eseleyo kwi-akhawunti ekuqaleni kwemini;
• P - ubonelelo ngemali;
• Malunga - imini intlawulo.

izikhewu Cash - ixabiso UDF elibi. Ukongeza, kuyimfuneko ukuba ukuhlalutya ezilinganisweni inventri. Mhlawumbi imfuno ezithengwa omusha ngeke.

ukulinda tax

Ukunqongophala kwemali hit loo nkampani yaziwa, imbali zonakalise ngetyala, abayithintelayo umsebenzi. Ingakumbi imeko nzima xa kufuneka sikhethe phakathi iintlawulo nebhajethi kunye batyalayo. Ezinye iinkampani baqala ukusebenzisa algorithm elula.

Ngokungenisa iphetshana lokubuyiswa kwerhafu kwi amagunya karhulumente kufuneka ngemini enye, okanye ngaphambili (iVAT NPP, werhafu esicaba) ingako ukutshintshela iimali-mali. Kodwa akukho namnye ezikhawulezayo ikhuphe umyalelo yentlawulo. Kwi i "yonk 'umyalelo intlawulo ebizwayo nezohlwayo. Kodwa maxa wambi kuba kukulungele kanye ukuba ahlawule isohlwayo nebhajethi ngaphezu ukuhlawula imali isikhewu mboleko olandelayo.

umzekelo

Ltd. kubalwa intlawulo ngenxa SPE ngekota II-mali engange million 1. Le nkampani kwakhona kufuneka dwelisa umthengisi 04,08 miri million 0.9. Ekupheleni Agasti, umbutho ulindele ukufumana kwintlawulo onetyala engange-3 million. Kwi 28,07 kwi akhawunti 1 yezigidi Thina baphathe imali umsantsa ubalo :. 1 + 0 - (1 + 0.9) = - 0.9 mln .. Khawuqwalasele iindlela ezimbini lamashishini mali.

ukhetho 1

1. 28,07, inkampani uya ukungenisa intetho ukuya iimali zerhafu kunye nokudluliselwa kule mali engange million 1.
2. 31,07 inkampani ithatha imali engange million 1. yi-20% ngenyanga 1; ezi mali byi lo ezifunyanwayo otyalayo - million 0.9 engange.
3. 20,08 Iintlawulo engenayo ukusuka kwabanamatyala imali engange-3 million. OOO ubuyisela imali ebolekiweyo kunye nenzala.

Thina ukubala overpayment: 20% / 12% = 1,67.

Isixa-mali eya kubuyiswa:. 1000 + 1000 x 1,67% = 1016,7 amawaka Hlikihla.

Oko kukuthi, egqithisileyo yi 16.7 amawaka. Thambisani.

inketho 2

1. 28,07 Company uya ukungenisa intetho, kodwa imali akabuyi.
2. 03,08 Company obuyisela ityala umthengisi kwi mali esizigidi 0.9 engange.
3. 20,08 kubonelelwa engange-3 million. ukusuka onetyala.
4. 21,08 inkampani kugqithiselwa lwabiwo kwangaphambili imali engange million 1. edubula isohlwayo.

ukubala:

Inani leentsuku ukulibaziseka - 24. I-mboleko Izinga - 11%.

Izohlwayo mali: (1000 x 24% x 11) / 300 = 8.8 wena ..

Isiphelo: Le nkampani kuyingenelo ukuba ukulibazisa nokuhlawulwa kwerhafu kwangaphambili. Ngoko ke imali kuya kufikelela ku-7.9 amawaka. Thambisani.