Wemvula-asethi ajikeleza: imithombo, accounting, amangeniso accounting

Lidla ngexesha yokwenza ushishino kukho amaxesha xa le nkampani iqala kakubi badinga imali engaphezulu. Kulo mzekelo, ulawulo siqinise ngayo inokuboleka imali iziko lamatyala okanye usebenzise ngetyala ekrwada. Kodwa ngenxa yezi zenzo, inkampani baya kunyanzeleka ukuba uhlawule ipesenti ethile, nto leyo wabelwa ukuba ukusetyenziswa kwemali abolekiweyo. Njengokuba kude nokusebenza mali eyinkunzi ngendlela eyingenelo kwinkampani, yaye ezinye iinketho ukuba kukho ukulungisa imeko yezoqoqosho enzima nkampani?

Indlela makasizalise yokunqongophala kwemali eyinkunzi yokusebenza na inzuzo

Njengoko ejongene nale ngxaki, zonke inkampani efuna ukufumana imali-mboleko kwi ngokwemimiselo ngecala, njengoko iindleko ezongezelelweyo abancedisi ekubuyiselweni uzinzo kwezoqoqosho.

Credit yokusebenza eyinkunzi indlela elula ukufumana ebhankini. Kodwa nokuba okanye hayi mandikhawulezise kunye elo nyathelo? Ukongeza, inkampani ayisoloko kufuneka oko ngemali. Ngamanye amaxesha ukwenza inkqubo yoshishino rhoqo nje ngokwaneleyo izinto ezithile ekrwada okanye abaza kuzisebenzisa. Kulo mzekelo, kuya kuba bubulumko ukuba zilisebenzise eli thuba zilinikiweyo credit zendalo.

Kukho nenye indlela ukufumana uncedo - isebenza lwemali eyinkunzi nguyise. Olo ngobuwena kuqwalaselwa kakhulu bhetele ukuba lweshishini.

Umqambi kusisiza

Abanaluncedo kwi intlanganiso wabaseki isisombululo zaseprayimari. Gcwalisa i mali angekhoyo kunokwenzeka ngokwenza igalelo kwinkunzi sabelana, ngokohlobo uncedo-mali kunye ngokwandisa okusisiseko. Ukuze makasizalise umnyibilikisi Working Capital ukuba wabulawa ngokuchanekileyo, kwemvume 2/3 wamalungu. Ngokutsho isigqibo kwintlanganiso jikelele lenza amanqaku yeConvenco. Bona emiselweyo ixabiso elitsha iminikelo ngokomlinganiselo isabelo-nxaxheba ngamnye. Imirhumo zenziwe ukongeza, ziya kungeniswa kwi-akhawunti zingadlulanga iinyanga ezimbini ukusukela kumhla izisombululo yokusayina.

Emva kokuba yokusebenza zemali eyinkunzi lokugqibela ziya kukhutshwa ngohlobo yezivumelwano zokuxabangela kumaxwebhu abasemthethweni, kufuneka zingeniswe kwi-ofisi yerhafu isicelo sobhaliso naluphi na utshintsho.

Nobubi koncedo mali

Le nkampani unelungelo lokusebenzisa iimali wabaseki, ngokubona kwayo, kungekho neziphumo rhafu. Olu hlobo uncedo kuye ubuhle nobubi bayo. Into entle kukuba wemvula ayikho phantsi iintlawulo yerhafu, njengoko umseki a akazibandakanyi isiseko irhafu. Umqambi aid lutyalomali ngokwendalo kwaye enxulumene ekuthengisweni kweempahla kunye neenkonzo.

Bobubi mboleko enjalo ingqalelo ukuba zonke utshintsho akhawunti equity kwirejista yerhafu. Kwakhona, kunye nokuqaliswa olongezelelweyo ukusebenza eyinkunzi kukwaphula eseleyo phakathi asethi umnatha kunye nemali eyinkunzi nesabelo kulo.

Ukufumana uncedo ngohlobo mboleko yebhanki

Kuba uncedo-mali, inkampani unelungelo lokusebenzisa amalungiselelo etyala ibhanki yakhe. Ekupheleni kwesivumelwano ibeka elubala imiqathango eziinkozo kunye nexesha ibuyile. wemvula okunjalo yokusebenza Inkcitho kwiintengo ezinkulu iye ecaleni layo, nto leyo ichazwe ngokohlobo nenzala. Isiseko irhafu irhafu yengeniso iindleko ezinjalo kuthathelwa ingqalelo kunye imiqathango ethile. nenzala yayo ukuze kuhlawuliswa ngeqondo ugqibe kuxhomekeke kubungakanani mboleko yangoku.

Abaxhamla mboleko olunjalo kuqwalaselwa ukuba iBhanki uliqabane enokuthenjwa njalo senze ngaphakathi komthetho. Bobubi ziquka inani elikhulu zamaxwebhu kufuneka uqokelele kwi yobhaliso ngetyala, iintlawulo inzala, kwakunye neendleko ezongezelelweyo ezinxulumene yokuvulwa kwe-akhawunti mboleko. Iindleko evela ekusetyenzisweni kwemali waboleka zichazwe njengoko neendleko non-zokusebenza.

mboleko ekrwada evela kumboneleli

Kukho amaxesha xa iibhanki akwavuma nokuvunywa mboleko, okanye inkampani akufuneki imali, kunye nezibonelelo eziphathekayo ekrwada. Kulo mba, inkampani waqalisa ukubheka kweminye imithombo zokusebenza lwemali eyinkunzi. Okuphoxayo kukuba, ingxaki kunokuba elula. Maxa wambi kwanele ukuba usixelele ngabalingani zabo iingxaki zoshishino, ezizezi iikontraka abo benza nangoncedo izinto eziyimfuneko ekrwada.

mboleko enjalo ebizwa zorhwebo kwaye zinezibonelelo zayo. Abathathi-nxaxheba bethenga bavumelana ihlehlise ethile intlawulo izixhobo ezifunekayo. ubudlelwano ziya ebhalwe kwaye mhlawumbi simahla okanye ngomdla. Ngokungathanga ukusebenza zemali eyinkunzi kwenziwa amaxwebhu zaseprayimari afanelekileyo. Xa isixa nenzala otyalayo unyanzelekile ukuba ukuseta i-invoyisi.

Indlela yokufumana ukusebenza ngemali eyinkunzi, iintambo zombane

Ngokuxhomekeka kuhlobo uncedo lwemali accounting eyenziwe ukuthumela ezithile. Ukuba kokufakwa kwemali eyinkunzi olunikiweyo ngohlobo abaseki yesibonelelo uncedo, le mali yenza ephathelene akhawunti debit 51 imbalelwano abanamanqaku-98. Emva koko, lo mali ithathwa kwi akhawunti ka-91,1 ikhredithi ngenxa ingqalelo ezinye zoncedo-mali yengeniso. On yokwamkelwa aid impahla wemvula iindlela zokusebenza (kweentambo Hlaz 08 K-98 m) wenziwa kuxhomekeke amaxabiso kuyo.

Kuba imali yokubhalisa ikhredithi kusetyenziswa akhawunti 66 no 67. Ifunyenwe kwi-mali-akhawunti yebhanki anconywa ngayo accounting amangeno alandelayo: Hlaz 51 KT 66 (67). Wemvula of esasaza asethi ngeendleko yomtsalane imali ebolekiweyo yenza ukuba inkampani ukuba ukuphazamisa inkqubo imveliso kunye nexesha ukuzalisekisa izibophelelo ikhontrakthi kubathengi.