Isicwangciso i-Bank: kwiinzala kunye nolawulo lwemali

Eyona njongo ephambili kulawulo nayiphi na inkampani kukwandisa ixabiso loshishino kunye nexabiso layo emehlweni abaninizo. Ngoko ayimangalisi into yokuba ulwalamano zemali kunye nabanini nempembelelo ebalulekileyo kakhulu kwisicwangciso-qhinga sophuhliso ukuba nayiphi na inkampani. Izigqibo kule ndawo, efana nezahlulo ahlawulwa, kwenziwa phantsi eqhubekayo nkqubo tivi. Lo mthetho wenkqubo yinxenye ebalulekileyo lulonke icebo ebhankini, ezijolise ukukhulisa olinganise phakathi kwezahlulo ngeniso net ukwandisa capital share. Iindidi eziphambili nkqubo tivi na intlawulo izahlulo yi umgaqo lentsalela, umgaqo-nkqubo we isixa esiqingqiweyo se nomahlulwa, "isahlulo extra" yaye umgaqo-nkqubo yokukhula tivi rhoqo. Izahlulo kwizabelo bahlawulwa ngokusekelwe ezikhethiweyo-nkqubo tivi yenkampani. Oku kukhetha ngenxa yeemeko ezininzi, eyona ibaluleke ngakumbi kuzo nokusingqongileyo okusemthethweni, zopolitiko ezentlalo nezoqoqosho yokusebenza ibhizinisi, amathuba ayo utyalo-mali, kubukho bemithombo ezizezinye mali kwakunye nerhafu kwiinzala kwizabelo.

Kukho iindlela ezintathu zibheke-nkqubo tivi yenkampani. Imfundiso irrelevance, kunye nomgaqo-nkqubo eyintsalela ezisekelwe kuyo, esetyenziswa yimibutho kunye okunokuba phezulu, xa ukusilela neentlawulo kwisahlulo umngcipheko ihlawulelwa ukwanda okubonakalayo ixabiso share the. Theory ngokukhethekayo isebenzisa iinkampani ezininzi eziphambili, ii-asethi zazo zibe abatyali abanyanisekileyo - yomhlalaphantsi kunye notyalo-mali, ngokunjalo ezahlukeneyo iinkampani ze-inshorensi. Kwakukho enye imfundiso - ingcamango kwentlobo irhafu, into leyo eyenza igalelo ukuhanjiswa okuphelele kangangoko eengeniso asetyenziswa kunye uyityala inxaxheba kwiimeko zobalo olungalinganiyo iinkampani kunye nengeniso tivi.

Indlela ukuhlawula izahlulo kungumsebenzi obalulekileyo yolawulo lwezimali. Kwaye ngenxa yokuba lo msebenzi iyahlaziywa ukwandisa enabela. Rate ubutyebi abanini nga okungakuncedayo, nto leyo ezisa omnye okanye eminye imisebenzi yenkampani. Kwangaxeshanye, ndifuna - kulindeleke yi isiphumo zemali. iirisithi Eyona kunye neentlawulo musa idibana ngexesha (kwaye ngamanye amaxesha - ixabiso) ukuba ingeniso kunye nenkcitho. Ngoko ke, musa awahambelani cash flow net kunye neengeniso. Ke kaloku flow zemali net ubonisa ukuba yimalini okunene uya kuba nomnini wenkampani.

Ukwenza izigqibo ezilungileyo kulawulo lokumpompoza yezimali, kufuneka uqonde umahluko phakathi kwengeniso kunye neendleko, kwelinye icala, kunye nokungena nokuphuma kwemali - kwelinye icala. Ingeniso kunye neendleko zibonisa inkqubo ukuyilwa ingeniso, ukusuka apho, enyanisweni, imali izahlulo. Cash kwemali - lo iirisithi wokwenene kunye neentlawulo ibithethwa sikhatshwe intshukumo ezezimali, okanye ezilingana zabo. analysis budget advantageously yenziwa iindlela ezimbini: ngqo nengxelo-ntetho. Okokuqala yenza kube lula ukubona imithombo ibaluleke kakhulu iinkampani mali, nto leyo eza kunceda kugxininisa ukuba yeyona ibalulekileyo enabela yenkampani. indlela ngokungathanga uchonga ezibangela iziphene phakathi iziphumo zemali kunye cash flow net ngenjongo yokwandisa; mayigqibe ngobume ngokupheleleyo kwemali.

Yenza uqikelelo cash flow kufanelekile ifomu mali, nto leyo ebonakalisa yonke inkqubo intshukumo bemali. injongo yaso kukunika amatyala lwexesha elide kunye yokuhlawula amatyala lenkampani, ukunciphisa iindleko ekutsaleni yimithombo yokwandisa ingeniso evela kwiimali ezikhoyo. Sicwangcise cash flow kuyacetyiswa ukuba enze iintlawulo ngokohlobo kwikhalenda.

Iindlela imali okwexeshana imali nokunqongophala noun lwezakhono zomsebenzi, liboleke abanye ebhankini, kahle, nokukhutshwa kwizixhobo zemali ezisezimalikeni. Investment uthetha: ikhomishini kweentlawulo kwangaphambili, ukupheliswa ngezaphulelo kubathengi, intlawulo yokuqala mboleko zexesha elifutshane, izatifikethi ze dipozithi, idiphozithi iminikelo, urhulumente elifutshane. Kule meko, iinkampani ezininzi musa ukuhlawula kakuhle kunye nezabelo.