Titsate ngongole

Mutu wa kampani ya mtundu wina uliwonse m'gulu malamulo polimbana ndi kusowa nthawi ya ndalama. Pakuti ndondomeko kupanga amakhala ndi kupanda zosakhalitsa ndalama zilipo, akamaliza yomwe ikuchitika ntchito ndalama yobwereka. Choncho, chifukwa Kuyamikira ndi ngongole ndi imodzi mwa mbali zofunika kwambiri za ndalama.

Monga gawo lililonse, malowa ndi wopanda ena mokoma. Pakuti yowerengera zovuta kusonyeza accrual ndi Kulipira chilango kuimba ndi zilango. Monga amadziwika, chifukwa kumaphatikizapo ngongole ndi ndalama accrued chidwi ntchito likulu yobwereka. Nthawi zambiri wokongoza ndi mabanki malonda, koma atachira, ndi njira zina: mwachitsanzo, makonzedwe a mtsogolo malipiro counterparties kapena ngongole malonda, zopereka mangawawo kwa gawo likulu la kampani.

Mlandu pobwereka zochokera pangano amgwirizano kapena dongosolo. chikalata ichi si umboni wokha wa chilolezo kwa ngongole kuti kupereka mwachindunji ndalama, komanso monga kuphunzira ndi zinthu mgwirizanowo. Chofunika koposa kuti Payenera kukhala mu pangano akuti ndi liwu ndi kubwerera chiwembu, mawonekedwe a chitetezo, chiwongola dzanja ndi zina zotero.

Pofuna kupeza ndalama anakhumba, banki ayenera kupereka zolembedwa ndalama kutsimikizira solvency kampani. wantchito bungwe ngongole limafufuza mlingo wa profitability, liquidity ndi zizindikiro zina kiyi. Komanso, kutsimikizika mlandu wa akutenga ndalama pamaso pa ngongole yanuyo komanso mphamvu ananena za alipire cha ngongole m'mbuyomu yake.

Tinganene, kukongoza ikuchitika pansi zofunika, ndiko kuti, ali mosamalitsa akulimbana. Choncho, udindo wa wobwereka kumaphatikizapo potsatira kwambiri bajeti chisanadze naye. kupatuka aliyense amapereka banki ufulu amafuna yomweyo adzabwerenso ngongoleyo. Mlandu ngongole ndi kuyeza mawonekedwe ndi kukula kuonetsetsa kuti zolembedwa mlandu.

Kuonetsetsa mitundu zoterozo ina monga chitsimikizo, chitsimikizo, ndikulonjeza ndalama za inshuwalansi. chitsimikizo amafuna lachitatu chitsimikizo chipani mu solvency wa makasitomala ndi kuona mtima, kuwonjezera, pansi pa pangano zowona chofunika ngati kulephera kapena kusafuna kulipira chiwombolo malipiro paokha kapena gawo la kuchuluka ngongole yonse. Chitsimikizo, monga ulamuliro, wosindikiza banki kupereka chitsimikizo lolembedwa za kudalirika kwa wobwereka kuti bungwe lina ngongole. Chikolecho ndi chuma kapena ufulu ena kuti yochepa kunditumiza ku banki monga chitsimikizo cha alipire ngongole. Ngati simungathe kwathunthu kubweza ina zimakhala anali banki malonda.

Mlandu ngongole akhoza kugawidwa mu mitundu ya ngongole, malinga ndi kutalika kwa akuti lalifupi ndi lalitali. The Choyamba, takambirana pa nkhani ya malipiro pa ngongole yochepa ndipo Kuyamikira, ndipo chachiwiri, motero, mu "ndalama pa nthawi yaitali ..." nkhani. Nkhani osiyana n'zotheka kusiyanitsa zolinga zimene ndalama ntchito. Choncho, malinga ndi kulipila ngongole yochepa amasonyeza kuchuluka kwa likulu abwereka, ntchito mu ntchito likulu. A Ndalama yaitali ambiri ntchito kuti agwire ntchito yaikulu ndi zingamuthandize, monga kumanga nyumba zovuta.

Monga tikudziwa, mabungwe ngongole inakhazikitsa mu ngongole ndalama zakunja ndi makonsolo. Komabe, mbiri ya limanena onse ikuchitika okha ndalama za dziko, chotero ndalama amatumizidwa pa mlingo zatsopano ndiponso kusiyana wapatsidwa kwa "Other ndalama ndi ndalama".