Chofunika kwambiri cha ndalama zopangira ndalama, ngati musiya mawu ovuta, ndi mgwirizano wopindulitsa wa maphwando awiri, umodzi mwa iwo ndi banki kapena bungwe la zamalonda. Ndondomeko yosavuta ikugwirizanitsa ndi mfundo: abwenzi amapanga mgwirizano, ndipo banki imatsimikizira kuti ndalama zowonjezera zimakhala zopanda phindu pamene phindu lachindunji lisanafike.
Kodi kutsitsa ndi chiyani?
Kuwona zinthu ndi ntchito yosavuta yomwe imalola ubale wa bizinesi kukhalapo mwalamulo. Kwa munthu amene samvetsa zovuta za ntchito zabanki, thandizoli ndi losamvetsetseka. Kodi zolinga zogwiritsira ntchito ndalamazo ndi chiyani?
- ngongole ya banki popanda chikole;
- kuwonetsa solvency ya makasitomale;
- inshuwalansi zoopsa zogwirizana ndi kukana kwa wogula;
- kukonzanso kwa ndalama zomwe zingapezeke.
Kugwirizanitsa pamalopo pogwiritsa ntchito factoring kumapangitsa makampani opanda ndalama kuti agwiritse ntchito nthawi yaitali, zomwe ziri zofunika kuti ntchito yeniyeni ikhale yoyenera. Choncho, nkhani yotsimikiziridwa kuti zochitika zapangidwe kapena zolimba zikukonzedwa ndi kuchepa kwa ndalama zaumwini za kampani mwiniyo.
Kodi kugulitsa ntchito kumatanthauzanji?
Chofunika kwambiri chokongoletsera ndi ntchito ya makontrakita atatu. Zotsatira za aliyense wa iwo zikufotokozedwa momveka bwino ndi mgwirizano wa mgwirizano:
- Kampaniyo imapereka ntchito kapena kugulitsa katundu kwa makasitomala.
- Kampaniyi imapereka zikalata zoganizira za banki zomwe zikuwonetsera kuti kuli ngongole kwa olakwa.
- Banki imalipira ngongole zambiri za kampani.
- Banki ndi kampaniyo amapanga mgwirizano umene wogulitsa ngongoleyo amabwezera ndalamazo ku banki ndi chidwi china chowonjezera.
Ndondomeko yosavuta imapangitsa kuti ntchito yosamalidwa kapena kugulitsa zinthu zisasokonezedwe mpaka ngongoleyo ikubwezeredwa mokwanira. Choncho kampani yomwe ili ndi ndalama zochepa zokha, imapereka chitukuko potsalira ndalama zomwe zimaperekedwa kuti zithetsedwe kanthawi kochepa ndibungwe lachiwiri (banki).
Kusiyanitsa zinthu ndi kusiyana
Kuwona ndi kugonjera kumayang'ana pa zosowa za ogula. Chiwembu, chomwe chimakupatsani inu kulipira ngongole za ngongole, zimagwira ntchito popanda zofuna zanu. Kukhululukidwa kumafuna kuwombola ngongole kwa wobwereketsa ndi kulipira. Kusiyanitsa pa ndondomeko zokopa munthu wachitatu ndiko kutsimikizira kuti kampaniyo ili ndi ufulu wozimitsa ngongole m'njira yoyenera. Kusiyanitsa kwakukulu pakati pa njira zosiyana zothetsera ngongolezo:
- kukula kwa ngongole;
- chiwonongeko;
- kulandira kuchokera ku banki;
- kupititsa patsogolo.
Nthaŵi imene opaleshoniyo imasintha masiku osaposa 180, koma malemba a kukakamizika amatsimikiziridwa ndi zaka. Chofunika kwambiri cha kukopera ndizo gawo la ngongole, mutatha kulipira (pafupifupi 60 peresenti ya ndalama zonse), akaunti ya ngongole ili yozizira. Chiŵerengero cha chiwongoladzanja sichikuwonjezeka, koma kampaniyo imatha kukonza imakhala yogwira mtima komanso yosasunthika.
Kodi kujambula kumasiyana bwanji ndi ngongole?
Kawirikawiri anthu omwe sagwirizana nazo, amawononga ndalama zimenezi ndi kubwereketsa. Kusiyanasiyana kwathunthu mu kayendedwe ka ntchito za ndalama kumathandiza kwenikweni malonda ndi ngongole, koma amachita izo mosiyana. Kusiyanitsa pakati polemba ndi kulandira ngongole:
- Njira zobwezera ngongole . Ndalama zomwe zimagwiritsidwa ntchito pa banki zimazimitsidwa mwachindunji ndi wobwereketsa, koma ndalama zothandizira zimapangidwa kuchokera ku zolipirira.
- Malingaliro a ngongole ya ngongole . Malonda a ngongole ali ndi mawu omveka bwino ndipo sakudalira kukula kwa ndalama za kampaniyo. Kuchita zinthu mosiyana pazifukwa kumadalira kubwezeretsedwa kwa nthawi yeniyeni.
- Tsiku la chiwongoladzanja Pogwirizana ndi mgwirizano wa ngongole, wobwereketsayo amapeza ndalama zofunikira osati patali kuposa nambala inayake ya mwezi uliwonse, koma ndalama zogulira ngongole zimatchulidwa tsiku limene kulipira ngongole.
- Kuchita mgwirizano . Pofuna kulandira ngongole, munthu wapadera kapena munthu amafunikira zolemba, zomwe zingakhale zovuta kuzipeza. Zolembapo zimagwiritsa ntchito zolemba zosavuta - mavoti kapena cheke.
- Chidwi . Komiti ya kukopa imaphatikizapo mtengo wake, koma palibe chiwongola dzanja cha ngongole.
- Zowonjezera mautumiki . Banki yomwe yakhazikitsa mgwirizano wa ngongole kwa kampani siyinapereke chithandizo chomwe sichiphatikizidwa mu phukusi. Zolinga za kutseguka ndi kutsekedwa zolemba zowonjezera ngati zofunika.
Mtundu uliwonse wa ngongole ya banki ili ndi zofunikira, ubwino ndi zovuta zake, koma pazimene zinadza ndi ngongole yaikulu ya malonda, kugulitsa zinthu ndizo zopanda malire kwa ngongole yopanda phindu. Zolinga za kubwereketsa zimakhala zoonekeratu - kuchepetsa mavuto a ndalama za wobwereketsa, koma popanda kutaya ndalama kwa wogulitsa.
Zolemba - zowonjezera ndi zowonongeka
Kukonzekera zamakono ndi njira zonse zomwe zingagwiritsire ntchito ngongole popanda kuvulaza zomwe zikuchitika masiku ano. Malingaliro a kubwezera kwa ngongole ya banki ikhoza kusiyana, ndipo phindu la ndalama zoterezi sizimawonekera nthawi zonse. Chigwirizano chilichonse chomwe chinatsimikizidwa ndi bungwe lili ndi ubwino ndi zolakwa zazikulu, zomwe ziyenera kudziwika pasadakhale.
Zopindulitsa Zolemba
Ubwino wokometsa ndalama, womwe umapezeka kwa kampani iliyonse yochuma kapena munthu aliyense, ndikulenga zinthu zabwino kuti zibwezeretsedwe. Kuphatikizanso apo, malonda omwe amagwiritsidwa ntchito polemba mauthenga angathenso kuthetsa mavuto kapena mavuto a ndalama. Kuphweka kwa ntchito ndi omwe ali ndi ngongole ndi ntchito zina zosayembekezereka kuphatikizapo ntchito zofanana.
Zolemba - zoyipa
Zowonongeka za ntchito yachinyamata, koma yogwira ntchito ya banki, ikuphatikizapo mgwirizano wa mgwirizano. Ndalama zopanda phindu, ndi chiwongoladzanja chokwanira kwenikweni "amadya" ndalama za malonda kuchokera ku katundu. Zowonongeka za kukopera ndizolembedwa zovuta komanso kupoti ku banki. Kubwezera ngongole kwa wobwereketsa sikumaphatikizapo malonda a nthawi imodzi, ndipo chiwerengero chochepa cha malipiro amafikira 10.
Mitundu yowonjezera ndi makhalidwe awo
Mitundu yowonjezera, yomwe yatsimikizira kuti ndiyo njira zabwino zothetsera ngongole zokwanira za kampani:
- ntchito zachuma;
- kutseguka ndi kutseka mfundo zopanda ndalama;
- ndalama za kubwezera ngongole yotseguka ndi yotseka (regressive factoring);
- kubwereranso kulumikizana ndi ufulu wolandira ndi popanda;
- ntchito zapakhomo ndi zamayiko.
Pogwiritsa ntchito mgwirizano wotsegulira (kutsegula ndi kutsekedwa), wogulitsa katundu wotsika kwambiri ku banki (bungwe la zachuma) ufulu wolandira maakaunti a tsopano ndikulipira. Choncho banki imatenga nthawi yokwanira kuti ipereke chitukuko cha kampaniyo, kuwonetsera peresenti ya ngongole yamtsogolo mtsogolo.