Monga masamu ukonde otaya ndalama ndi kukwanira kwake Chinthu

Pamene kuli kofunikira yosanthula ntchito ndalama, chuma ntchito chinthu monga ukonde otaya ndalama. The layman zovuta kumvetsa terminology popanda kufotokoza. Motero, funso amafuna kuyatsa wapadera.

Kumapeto kwa nyengo malipoti, kuwerengera otaya ndalama kuwerenga kampani zotsimikizira kapena bungwe, chimene madzulowo kusiyana ndalama zimene munalandira ndi khama. Pofuna kulongosola kumasulira zosiyana, n'zotheka ntchito kwa otanthauzira wapadera chuma, pomwe pali tanthauzo kutsatira otaya ndalama: zotchedwa ndalama zonse kuti tikhalebe ndi kampani pambuyo wosangalala akusowa ndalama za bizinesi. Tikhoza zopanga tanthauzo zotsatirazi: ukonde otaya ndalama - chiwerengero cha ndalama zimene kampani amagwiritsa mapangidwe likulu lawo kapena ndalama.

Njira kuwerengetsa ukonde otaya ndalama ndi kugawikana ndalama mabizinezi kuwayang'anira ukubwera Napereka ndalama. Ndikofunikira kuti litsatidwe kampani mgwirizano ndalama. Zotsatira kachulukidwe ukonde otaya ndalama tichipeza kusiyana pakati pa otaya ndalama zabwino ndi zoipa. Zabwino ndi Uwerenge ndalama ukufika kampaniyo, kungakhale anapeza za ntchito ya kampani pachimake, komanso kupatula kapena ndalama. The zoipa otaya ndalama ndi Uwerenge ndalama kuthera.

Chifukwa cha zimenezi, utuluke ndalama za kumalo a ntchito, Liphunziridwa lonse lathunthu, kupereka okwana chithunzi.

Pakuti kampani mtundu waukulu phindu ntchito zake zokhudza kupanga, ndipo analandira chifukwa cha ndalama ndi chimaposa cha kugulitsa katundu. Ndalama kuti anakhala tsopano malangizo chachikulu cha ntchito ndi kugula zipangizo, malipiro ogwira ntchito, ndalama ndi ogulitsa ndi ena.

Pakuti ntchito ndalama za ogwira ntchito komanso kugula kapena kugulitsa katundu sanali panopa. Pakuti ukubwera otaya ndalama akhoza zimachitika benefiti ndi chidwi, zomwe kufika sheya, m'matangadza. Ndalama adzaphatikizapo kupeza ufulu kampani, katundu chosaoneka ndi maso ndi ziphatso kuntchito, kugwiritsa ntchito malo. Kuti ndi expendable utuluke ndalama adzakhala amacheza ndi kusunga chuma kuti akhoza kupanga phindu m'tsogolo.

Monga zowonetsera ndalama kampani, ukonde otaya ndalama limasonyeza bwanji ndi khola ndi bwino.

Yosanthula utuluke ndi ndalama, ntchito koyefishienti njira. Iwo amalola kuti kuganizira kuchuluka kwa anapatukira kusiya anakonza zizindikiro, mphamvu ya ntchito ndalama bungwe. njira detects mumaganiza onse oipa ndi abwino zimene zimakhudza mapangidwe otaya ndalama ya gulu malonda kapena mafakitale. Atsogoleri ndi kofunika kudziwa Chiwerengerochi kuti molondola kusintha ntchito kumalo a ntchito ndi konza izo.

Pamene kusanthula otaya ndalama, taganizirani koyefishienti adequacy ukonde otaya ndalama. Kuwerengetsa chithunzi ichi, m'pofunika kudziwa chiŵerengero ukonde otaya ndalama chifukwa ndi malipoti nthawi ndi kuchuluka kwa malipiro pa ngongole (onse zing'onozing'ono yaitali), analipira benefiti ndi kukula mu miyeso malipoti nthawi ya chuma panopa chogwirika.

Kukhazikitsa mwachidule muyeso ntchito ndi koyefishienti kusonyeza mphamvu ya ogwira alipo utuluke ndalama. Kuti tichite zimenezi, kupeza chiwerengero cha amene ali ukonde otaya ndalama kwa ndalama anakhala munthawi imeneyi ya malipoti.

Chiŵerengero kusanthula ntchito ndalama ogwira wakhala ndi zokhazikitsidwa ena kuti mopitirira ndi chilinganizo wapadera. Zikuphatikizapo mlingo reinvestment, liquidity, otaya ndalama ndi ena. Onse a iwo akulimbikitsidwa kufufuza mphamvu.