Ukubalwa komda we-cashier - ngokukhawuleza kwaye ngaphandle kweengxaki!

Ngo-Oktobha 12, 2011, iBhanki Ephakathi yaseRussia yashicilela umyalelo malunga nokuthengwa kwemali, ngokubhekiselele kuyo ukususela ngo-2012, iinkampani zoqoqosho kwanoma yiphi ifomu yombutho kunye nomthetho kufuneka ukuba kwenziwe ukubala okuzimeleyo kwemida yebhokisi yemali. Kwaye ukuba ngaphambili kule nkcazo i-firm ingencika ngokupheleleyo kwiBhanki Ephakathi, ngoku kuya kufuneka ukuba usebenzise amandla ayo kwaye wenze isigqibo ngokuzimela. Oku kukuxhalabisa ngabanye abasomashishini, ngubani na ngoku kufuneka agcine irekhodi yazo zonke iintengiselwano zemali, ukubeka ingqalelo kwimingcipheko ekhoyo kwi-balance cash. Nangona kunjalo, musa ukukhawuleza ukuthukuthela kunye nokuphazamiseka, ukubala imida yeebhokisi yemali kunye nokugcina uqeqesho lwemali - akunzima!

Umda weeskredithi yemali yimalini yemali enokugcinwa ngokusemthethweni kwirejista yemali yebhanki, kwaye ungayinikezeli kwi-bhanki. Umsebenzi oyintloko nawuphi na umashishini ukukhetha umlinganiselo othe ngqo kuwe, kwaye emva kwexesha ukunika imali engaphezulu kwemali. Ngokomthetho, akukho mithetho eqinile kwindlela yokubala ibhalansi yemali yemali, ngoko unokukhetha nayiphi na ixesha apho imali ifunyenwe khona. Uninzi lwamaxesha amaninzi, ukwenzela ukuba ugweme intloko engadingekile okanye unqongophala lwemali, zama ukuseka uluhlu oluphezulu lwemali. Kufuneka kuqatshelwe ukuba imali eyadlula umda kufuneka ifakwe kwibhanki ubuncinane kanye ngeveki. Iimfuno zenziwa kuphela kwiindawo ezikude zaseRashiya, apho kungekho bhanki elilodwa. Kuzo, ixesha leentsuku ezi-14 zokusebenza.

I-Algorithm yokubala umda wemali

1. Sikhetha ixesha eliya kuthi, ngokwenene, sibale ukuhamba kwemali. Ngokomthetho, akukwazi ukuba ngaphezu kweentsuku eziyi-92 zokusebenza.

2. Ukubalwa komyinge wemali kwenziwe ngokuhambelana nomgaqo-siseko:

"Umyinge wee-cash desk" = "Ingeniso yemali" / "inani leentsuku kwixesha lokubhatala" * "Inani leentsuku phakathi kokukhishwa kwemali".

3. Sithobela ukuqeqeshwa kwemali, kwaye yonke into iya kulungiswa!

Makhe siqwalasele umzekelo wokubala komda weedkiki

1. Kwimeko yokuqala, ishishini linenzuzo. Cinga ukuba i-Gift LLC ithengisa izipho zangaphambili kuzo zonke izihlandlo. Ukuba ngethuba lokunika ingxelo bakhetha ikota yesithathu ka-2011 iintsuku eziyi-71, ingeniso engama-ruble angama-500,000, kwaye ivenkile inika imali rhoqo ngoLwesihlanu, ngoko ngokohlobo: LC = 500,000 / 71 * 5 = 35 211 ruble.

2. Kodwa kuthekani ukuba ishishini lingenayo imali? Kule meko, esikhundleni sokuba nenani leentsuku phakathi kokunikezelwa, ifomula isebenzisa inani leentsuku zokusebenza ezidlula phakathi kweefowuni kwi-bhanki ukufumana imali. Ngokomzekelo, i-LLC "I-Milk yaseRural" inxaxheba ekuthengweni kweemveliso zobisi kumafama nakubantu basekuhlaleni. Masithi ukuba ukuphathwa kweenkampani kwanyanzele ukuthatha ngo-Oktobha 2012, xa kuthengwa kakhulu. Vumela umqashi ukuba athathe imali emva kweentsuku ezintathu, kwaye ngo-Oktobha kwakukho iintsuku ezingama-20 zokusebenza. Emva koko, ukuba impatho ye-OOO yaseMakhaya yamanzi ibe ngama-ruble angama 300,000 ngeli xesha, ukubalwa komda wemali kuza kubonakala ngathi: LC = 300,000 / 20 * 3 = 60,000 ruble.