Kuwerengera za ndalama ndiponso zinthu zake structural

Kuwerengera la ndalama - ndiyo njira ya kuchititsa chimene chimafuna ndi Executive maluso ena ndi njira woyenera. Popeza kuti ndi Investor ndi chidwi mmene kuti phindu pazipita, pamene kukhala digiri kochepa pa choopsya ndalama za imfa. amalonda ambiri aganyali pang'onopang'ono, poona digiri wodalirika komanso profitability. Tikakhala totupa sitepe, inu mungakhoze basi kutaya ndalama zonse.

Kuwerengera ya ndalama ndi imodzi mwa njira za kasamalidwe zachuma. Kwenikweni ake kwagona kuti akatswiri kugwira mtengo-phindu kusanthula ntchito ndi digiri yake chiopsezo, komanso nthawi payback ya ndalama ya. Monga mbali ya kuwunika amaganizira za chuma, chikhalidwe ndi maulamuliro zinthu, komanso kutsimikiza pogwiritsa ntchito. Ndondomeko imeneyi zimathandiza inu kuthandauza magawo zikuluzikulu ndi kudziwa mlingo wawo wa dzuwa bwino kwambiri.

Monga ulamuliro, ndalama Kufufuza chofunika kudziwa mawu yabwino kwambiri ya kukongoza kapena kusasiyana ndalama, komanso kupeza Investor amene angakuthandizeni kugwiritsa ntchito inayake.

The chifukwa cha njirayi ndi kulemba lipoti mwatsatanetsatane, lomwe lili ndi mayankho mwatsatanetsatane mafunso okhudza mphamvu ya chuma padera, komanso mlingo wa profitability ndi profitability polojekiti wonse. Yachokera pa kafukufuku awa, makasitomala akhoza kusankha bwino konse chinachake yopeza ntchito imeneyi, kodi njira zotheka kuwongolera ake ndi processing.

Ambiri, ndalama anawagawa yaitali yochepa. Gawo ili amaganizira mawu a zothandizira pa. Kufufuza kumatenga nthawi yaitali zimatenga nthawi yaitali, chifukwa wazamalonda ali kuchititsa kusanthula mokwanira ndi matenda mu magawo oyambirira kubadwa ndi kukula kwa ntchitoyo. Chotero ndondomeko ndi kudzakuthandizani kudziwa ziyembekezo zotheka kwa zaka zingapo zotsatira. Ngati inu simutero, ndiye zambiri, ndi Investor amangokhala amakana kupereka zothandizira thandizo, chifukwa sadzadziwa dongosolo la gulu.

Pali chinthu monga kuganizira za mphamvu ya ndalama. Ndi kachitidwe ka mfundo zina, amene cholinga kudziwa mphamvu ya kusankha kwa ndikukhazikitsa zolinga zenizeni ndalama. Pali malangizo zingapo njirayi:

1. Lounikira, yomwe ikuchitika zochokera akalozera ukonde otaya ndalama.
2. Kubweretsa phindu panopa pa kuchuluka kwa otaya ndalama ndi buku kuti aganyali nazo.
3. Kusankha mlingo kuchotsera, yomwe ikuchitika pa mfundo 2.

mfundo ndi yakuti ngati ziyenera ndalama ikuchitika molondola, ndi chitsimikizo cha chikhulupiriro chakuti lingaliro pa bizinesi anapanga molondola, ndi ziyembekezo akuti molondola monga momwe kungathekere.

Pali njira zingapo kuti aone ndalama, amene ntchito ndi akatswiri:

1. Discounting.
2. Mawerengedwe a nthawi imene ndalama izi mukhoza kulipira ngongole.
3. Mawerengedwe a phindu malire, zomwe zimayembezereka kuti likulu lonse
4. Khama la mphamvu ya mtengo umene unapita mu ulimi.
5. Kusiyana pakati pa ndalama ya ndalama ndi zofunika.
6. Poyerekeza kusanthula ndalama kuchokera ndalama likulu ndalama.

Zowona kufufuza ndalama zimadalira mlingo cha kapangidwe ka polojekiti.

Njira kugwirizana ndi discounting, amaganizira dzuwa la ndalama mu nthawi yeniyeni ya nthawi kuyesetsa pasadakhale. Monga ulamuliro, njira imeneyi ndi ntchito ndalama yaitali kwa nthawi ya zaka zoposa zisanu.