Ndalama zochuluka chonchi

Kufufuza ndalama kumafuna kuyendera mokwanira ndi lachitatu maphwando kapena kampani mphamvu mkati mtengo wa ndalama leni anakhumudwitsa kwa ogulidwa ndi kusamalira sheya, komanso ngati deta kudalirika ndi lolondola zolembedwa ndalama. Monga taonera kale, mkati ndi kunja kufufuza thupi angathe kuchitidwa, kuti mwa akatswiri kapena gulu la kampani kapena makampani yeniyeni kuti amakhazikika kupereka mitundu ya ntchito. Komabe, malamulo ndi mfundo za macheke zimenezi ndizo chimodzimodzi kwa aliyense.

Choyamba, tiona kuti ikukhudzana bwanji ndi bizinesi:

• Sheya wosindikiza boma.
• Kumangidwa, macheke, zolemba promissory ndi sheya zina za makampani ndi mabungwe ang'onoang'ono.
• Nawo likulu ulamuliro pa kampaniyo.
• Mbali ya magawo a makampani olowa katundu wa mtundu uliwonse.
• Nkhani gawo pa magombe malonda.
• Nkhani olandila, zonena amene asamukira pansi mgwirizano.

Kotero, pachiyambi akuyesera ntchito yapadera mkulu wa wotsogolera nyimbo. Kufufuza ndalama N'zosatheka kupeza woyamba kufufuza za pa nkhani ya mitundu ina ya zida chuma ndipo onetsetsani kutsanzira. Ndiye akatswiri zikugwira zolembalemba, afufuze momwe odalirika ndi yovomerezeka kukhalapo kwa masheya ndi zipangizo zina ndalama monga chuma.

N'zotheka kudziwa mfundo yaikulu monga zida chuma chuma:

1. Kulondola ndi lolondola kulembetsa zolembedwa kutsimikizira umwini kampani ya iwo.
2. Kafukufuku mmene ndalama izi zingakhudze kampani zochitika zina za mtsogolo monga ziyenera a chiopsezo insolvency.
3. Information yoonetsa zowonetsera zachuma ndi mitundu ya ndalama kuti mukhoza kulandiridwa m'tsogolo kwa ndalama ya mtundu uwu.

Ndipotu, kufufuza ndalama ndi ndondomeko yaitali, kuyambira m'pofunika kuchita khama. Ataona ndandanda lililonse sheya nkhani ndi magulu gulu. The katswiri akuyerekeza kupezeka lenileni la sheya chuma ndipo chiwerengero chawo, monga momwe zolembedwa pa. chidwi linaperekedwa kwa phindu lenileni la chuma amenewa ndi tanthauzo la mtengo wake panopa.

Anthu sheya kuti si wokwatibwa ndi kampani, koma kuti zigwiritsidwe ntchito pa mgwirizano, kupereka bwino ntchito, ndi nkhani kubwerezanso. Pankhaniyi, kulongosola za bizinesi ikuchitika pamaziko a mitengo munakonda pangano olowa. wokonza A ndiye limafufuza molondola ndi mwatsatanetsatane za kupanga zonse zofunika mu mapepala ndi kaundula.

Monga otsiriza kufufuza akhoza kuzindikiridwa kulowa zotsatira mu kufufuza lapansi. Kuchokera pa yachinsinsi ino ya kukhalapo lenileni la chuma ndi mawunikidwe awo mu zolembedwa. Zochita muona okwanira alakwitse pa nyengo zosiyanasiyana zolowa zida ndalama. N'chifukwa chake mndandanda wa bizinesi akuti ndi ndondomeko zofunika, ndi zonse kukhazikitsa umadalira pa zikumveka ndi olondola ndipo chuma nkhani ku kumalo a ntchito.

Tinganene, antchito a makampani kuvomereza zolakwa kapena kupotoza:

• molakwa anamaliza zikalata kuti kalembera wa ndalama ya ndalama;
• gulu la ndalama ku chuma chuma, pamene si malo oyenerera;
• zolakwika mawerengedwe a mtengo woyambirira wa chitetezo;
• chosakwanira chinyezimiro cha mbali ndalama, popangidwa ndi bizinesi;
• kuphwanya malamulo ano.