Ukuboleka Business: omsebenzi osemqoka, amaxwebhu kunye neziphakamiso

imali credit Ubizwa inikwa ngumntu yibhanki okanye iziko kangangexesha elithile. Intengiselwano kuqinisekiswa yi imvumelwano, ngokutsho umboleki kufuneka kubuyekeza kuyo. Kuba baninzi, ngetyala kuphela kwendlela yokufumana isixa esikhulu. Ngoosomashishini kufuneka izixhobo lokuvula okanye nokuphuhlisa ishishini labo.

Ukuboleka Business - inkonzo lula ukwenzela ukuthenga izixhobo nezinto ekrwada. Fumana imali ayikho njengoko ukuze kubonakale kulula. Ukuze wenze into, kufuneka ukuba uwazi zonke iimpawu. Ngapha koko, xa kuqalwa ishishini kubalulekile ukuba uqinisekise okufumana iziphumo ezidibanisayo.

iimveliso bank

ukubolekisana Business sixhaswa ngurhulumente. amaziko Credit banikwa uphele nesikhokelo ngemali imibutho. Ukuba inkampani iye ngaphezulu kweenyanga ezintandathu, oko kukuthi, kungenzeka yokufumana imali kuphuhliso.

I elikhulu inkampani isebenza, kokukhona ithuba lokuvula umgca mboleko kunye nokwandiswa crespo yorhwebo. Uyiqhuba wena musa silahlekelwe ikomkhulu kwakungenzeki kwaphela. Ukwenza into elungileyo, abarhwebi babuyelayo ebhankini, apho kukho iimveliso zemali kuzo zonke iinkalo zezinto ezenziwa.

Ukufumana imali kumashishini amancinci naphakathi

Kuphuhliso loshishino lakhe kwakufuneka imali, ngoko reditovanie amashishini amancinane kunye naphakathi isevisi kuyimfuneko. Imali ekhutshwe ebhankini, kusetyenziswa ukuphucula iifem ejikeleza kunye notyalo-mali:

• ukuthengwa nokulungiswa kwezixhobo;
• Ukuphuculwa ingeniso;
• uvula intsimi entsha yomsebenzi.

Asingabo bonke amashishini amatsha basebenzisa imali yabucala, ngoko ke sebenzisa imali ebolekiweyo. Le imali encinci, yaye akuyomfuneko ukuba ingxelo kubo. Ukuba umqeshi uthatha ibhanki mali-mboleko, umcimbi uba rhoqo umxhasi wakhe. Ukuba nokwenzeka kubekho ukwanda okubonakalayo iingeniso unika mboleko zoshishino. Iibhanki zinika abathengi ezahlukeneyo iimveliso izinto ezifanayo nezahlukileyo.

credit elithi

Kuba oosomashishini le nkonzo lula. Iimali ziya kufakwa kwi-akhawunti yombutho, leyo ukubuyiselwa umsebenzi iza ngomdla xa ngenxa. Ngokuqhelekileyo iibhanki akukho mfuneko ukuqinisekisa ukusetyenziswa ekujongwe imali, kodwa kufuneka banike akananto okanye guarantors bameme.

ukubolekisana Business kuvumela ixesha elifutshane lokuzuza izixhobo eziyimfuneko, izithuthi, ukuphucula urhwebo. Njengoko izibambiso olunikiweyo:

• ezithengiswayo;
• izithuthi;
• izixhobo;
• yorhwebo.

Ngoxa mbutho wangenwa unethuba ukutshintsha isibambiso, kodwa kuphela ngemvume ebhankini. Ukuba imali ethathwa ixesha elide, ufumana ukuthatha imali isixa esikhulu. Yaye ixesha elincinane banethuba ukugcina ngenzala.

iimeko ezizodwa

ishishini yokubolekisa na ezinye iimpawu ezikhethekileyo. Mali ekhutshwe engange, zeerandi kunye euro. Eli zinga liza kumiselwa mali, kwikota kunye nemali. Kuba customers rhoqo iibhanki yehlise irhafu. Iimeko ezizodwa ziquka:

• Ezinye kwimibutho uhlobo ngamaxesha lo msebenzi, ngoko kuzo iibhanki zinika iishedyuli ngamnye kwentlawulo;
• abanye oosomashishini la impahla, yaye ngoko ke iibhanki zifuna guarantors.

Isigqibo sokuvuma ukubolekwa wambi wafanisa yi Abahlaziyi ngokusekelwe isicwangciso soshishino. Ukuba isebenza, ngoko sinikela impendulo eyakhayo nokubonelelwa ngemali.

line credit

Zizinike amashishini naphakathi ukuya ngokusebenzisa mali. credit Bank emiselwe ixesha emva koko i-akhawunti kwemali yenkampani iyeza, kodwa hayi ngokupheleleyo, kwaye njengoko kuyimfuneko. Inzala ihlawuliswa kuphela inkcitho. Olu hlobo lokubolekisa kulula ukuthenga izixa ezincinane yempahla.

Umgca yeentengo zemboleko parameters 2:

• kwamanzi umda: isixa semali ngexesha line kwenziwa, kodwa ezinye iibhanki niqalise ukuthetha umdla nangenxa imali engasetyenziswanga;
• Umda kwetyala: umxhasi unikwa imali encinane, ngasentla apho imali asinikezwanga.

Izinto eziluncedo ze umgca yekhredithi ukuze ishishini:

• speed ukubala;
• ukwandisa umda;
• sebenzisa imali ixesha elide;
• intlawulo umdla kuphela kwendlela baqeshwe.

overdraft

Ukuboleka amashishini naphakathi ukuya enokwenziwa ngoncedo lwe -overdraft. Le nkonzo ifumaneka ukuba une-akhawunti lokukhangela, kwaye akukho mfuneko-mboleko ngenxa yayo. Iimali zibonelelwa kwi ngokwemiqathango ngokwaneleyo evumayo. I-Bhanki ngokuhlalutya intshukumo imali kwi-akhawunti. Ngenxa yoko, le mali umiselwe, eya kuthi ikhutshwe umxhasi xa kuyimfuneko. Xa akhawunti iyahlaziywa kunye izixhobo ezintsha, bona elide Bayawacima.

imali umsebenzi

Kukho imali uncedo abolekisa ngemali encinane ushishino, nto leyo lula kakhulu ukuma ngoosomashishini. Lo mbutho usebenza nokuqinisekisa, ukunceda kubaboleki ukufumana imali-mboleko. Promotion of abolekisa SME lwenziwa nge-mali nentsebenziswano kusuka kwiindonga.

Usomashishini kufuneka isicelo semali-mboleko, ebonisa ukuba umnqweno ukuba inkxaso umbutho karhulumente. I-Bhanki ucinga le meko, unike iinkcukacha eziyimfuneko. Emva koku isivumelwano ukuze kuqinisekwe isicelo uthunyelwa Foundation. Oku ayisayine uxwebhu macala omathathu. Nokuboleka Fund Small Business ingathatha ipesenti encinane.

Into ekufuneka uyazi xa uqhagamshelane ibhanki?

Kufuneka kukhunjulwe ukuba mboleko sikhutshiwe ngamazinga aphezulu umdla. Ngoko ke, qhagamshelana ibhanki kuphela xa kuyimfuneko. Kuyimfuneko ukuphumeza isivumelwano ngenyameko ukuba yonke imali efanayo zifuneka. Isigqibo ukuba kaGawulayo, oko kufuneka kwangaphambili ukulungiselela isicwangciso soshishino. On kunokuthi kubonwe, efuna imali, nendlela ingeniso zizakusebenza.

igama usomashishini ebaluleke ngayo. Kufuneka unikezele iingxelo zemali ezandisa amathuba okufumana imali. Limelwe ukuba uzimele ngokuchanekileyo, ukuze ukuba ayinakuphikiswa. ishishini Medium kokukholelekayo ngakumbi ukusuka elunxwemeni. Isibambiso unakho kukhonza amashishini, iimpahla kunye nempahla.

Ngawaphi amaxwebhu afunekayo?

Ukuvulwa akhawunti amaqumrhu asemthethweni lwenziwa ngokwesiseko maxwebhu:

• isicelo;
• ikopi imisebenzi mnqophiso;
• ikopi kwiphepha lomncono;
• ikopi yimemorandam yonxulumano;
• ikopi mvume.

Onke amaphepha eempendulo ekufuneka zingqinwe iinkokeli, kwaye khuphela - izivumelwano. Njengoko kufunwa kunye namanye amaxwebhu.

uhlolo lo mboleki

Kukho 2 iintlobo zovavanyo umboleki: Injongo kunye luluvo. Ukususela uqale ingqalelo iinkcazo zemali, kwaye yesibini - le miba ilandelayo:

• ulawulo level;
• imeko ushishino;
• iimeko zemarike;
• iingxelo zemali.

Ngetyala ishishini kukho imingcipheko ezininzi. Abathile nemibutho, ibhanki iye yaphelela, linika esiqiniseke. Nyaka ngamnye, elandayo inani lamashishini ezisebenzisa iinkonzo zemali.

ukuya phi?

Kuba mboleko seshishini esikhutshwe yibhanki "VTB 24". Le imveliso zebhanki ebizwa ngokuba "IKOMMERSANT". Oosomashishini babe ithuba ukuya ku-1 mln. Engange kwisithuba seenyanga ezi-6 ukuya kwiminyaka-5. Ngokugqithisileyo ebizwayo kumyinge we 21-29% kwaye emiselwe bokudlala ityala. "VTB 24" inikeza noosomashishini ezi nkonzo zilandelayo:

• "Ebhankini" - nezicelo yi-11%, kwikota - 1 ngonyaka.
• "Credit esijikelezayo" - ekhutshwe yi 10.9%, kwisithuba - kwiminyaka emi-2.
• "Mboleko Investment" - izinga langoku 11.1%, kwisithuba - iinyanga 84.

Ezi nkqubo, yaye kwi "Alfa-Bank." Isixa lincinci ngu 3 million engange, kwaye ubuninzi -. Isithuba million 5 lokuhlawula ekungabonini ukusuka kwiinyanga ezi-6 ukuya kwiminyaka emi-3 .. "Alfa-Bank" unika abanini ikhadi ishishini umda engange 500 000. "UniCredit Bank" inikeza indlela ukuphucula amashishini amancinane kunye naphakathi. Izixa asusela 500 amawaka engange 25 million. Ityala ixesha ngokosuku - ukusuka kwiinyanga ezi-6 ukuya kwiminyaka emi-2. Ibhanki "Uralsib" mboleko usomashishini atyalwa 300 lamawaka ixesha million 10 imbuyiselo -. Kunyaka 1. Ungaqhagamshelana "PSB", apho abathengi anikwa yi engange 5 million. Ukuya kwiminyaka-10. Apha kufuneka ukuba uhlawule intlawulo yokuqala ka-20-40%. Isindululo nenzuzo na "Kucelwe Bank." Izinga le-9.5%. Unako ukuthatha ubuninzi yezigidi-40. Engange. Sberbank of Russia ikwabonelela mboleko zoshishino. Oosomashishini ukwazi ukubala ukuya kwi $ 200 mln. Engange. Kwaye izinga yi 13,26%.

Ukuba basebenzise ngobuwena luncedo, kungakuhle ukuba aqhelane izivakalisi ezimbalwa, uze ukhethe kakhulu efanelekileyo. Kungcono kakhulu ukusebenzisa i iibhanki ezimbalwa ukwandisa amathuba lokufumana imali. Noko ke, ukuba, kuya kubakho imvume ezininzi, kukho ithuba lokuzikhethela. Ukuza kuthi ga ngoku, eboleka ephuhlisa kakhulu ngempumelelo. Ngamana usebenzise imali phantse yonke mbutho. Ukuba ixesha kubuyekeza ngokoko, iibhanki womemeza kakuhle ngakumbi abathengi.