Chabwino n'chiti - ndalama kapena anabwereka?

Pogwira ntchito zachuma, aliyense kampani ayenera likulu kuti aganyali mu mapangidwe chuma. Pamafunikanso phindu okwana chuma zonse zakuthupi ndi mawonekedwe sanali zakuthupi. Multidimensional chikhalidwe cha "likulu" amakhala ndi maganizo ambirimbiri matanthauzo, koma mu nkhani iyi tidzakambirana pa mitundu ya likulu yoperekedwa kwa ogwira ntchito amene kutulutsa ndalama zawo ndipo akutenga ndalama.

Ngongole likulu zikutanthauza anakopeka ndalama (banki ngongole, ngongole malonda, chuma kubwereketsa, umuna kapena chuma china) pa maziko kubwerera, ndi thandizo limene ndalama ntchito. mitundu wake ndi ngongole ndalama kuti mudzagwiritse lidzabweza pa nthawi. Mu nthawi, angakhale yochepa - chaka chimodzi, ndi yaitali - kuposa chaka.

ndalama mwini yodziwika ndi chakuti iwo ali umwini kampani ndi ntchito chitukuko. Ali ndi kuthekera apamwamba kupanga phindu mu ntchito iliyonse, chifukwa ntchito yake alibe kulipira chiwongoladzanja pa ngongole. Chuma kwaiye ndalama zawo ndi katundu ukonde wa kampani kuti zipangitsa bata ake ndalama.

Magwero chachikulu cha ndalama mwini ali kunja ndi mkati. K kunja monga: likulu ovomerezeka (kuchuluka kwa ndalama opatsidwa ndi mwini kuchita zinthu); thandizo repayable ndalama kwa ogwira ntchito ya; kukopa kwa gawo la likulu zina ndi zina zotero.

Kapangidwe ka magwero zoweta monga: phindu otsala kumalo a ntchito; depreciation etc.

Sewerolo mkulu wa ogwira chimadalira pa dongosolo la likulu ntchito. Mlatho - chiŵerengero cha mwini kukabwereka ndalama nawo mbali ndi kukhudza kubwerera pa chuma, bata ndi solvency wa kampani ndi Mzimuyo chiŵerengero cha mlingo wa kusatetezeka kwawo ndipo profitability pa chitukuko cha kampani.

Choncho, ngati kampani amagwiritsa ntchito ndalama zake, izo ziribe mphamvu chuma chambiri. Komabe, zimasokoneza mayendedwe yemweyo kukula, sangathe kupanga ndalama zoonjezera za chuma, osati ntchito phindu kubwerera pa ndalama.

The ogwira amagwiritsa ngongole okha, mungathe kwambiri chitukuko ndi kuthekera kwa kukula mu profitability, koma ichi makamaka amapanga chiopsezo chuma ndi bankirapuse, amene kumawonjezera ndi chiwerengero cha ndalama anabwereka kwa misa okwana likulu.

Zochita tikuona kuti palibe Chinsinsi asanakwatire kufanana imene kugwiritsa ntchito ndalama zawo ndipo akutenga ndalama. Komabe, pali zinthu zingapo, anapatsidwa kuti mukhoza purposefully kuumba kukonza, kupereka zinthu zofunika ntchito bwino kumalo a ntchito.