Akhawunti imali efunyenweyo

Akhawunti imali ehlawulwayo (CP) - sisalathisi odibanisa imali ekufuneka ibuyiselwe kwiziko otyalwayo (oku ikakhulu siphathelele abathengisi) ngomhla omiselweyo, kunye ixabiso loko kuthengiweyo, nokuba ezizizwe tyalwayo kweempahla kunye neenkonzo.

Kakade ke, lo uzinzo kwezemali kunye yokuhlawula amatyala nawuphi na umbutho kuxhomekeke kuhlawulwa. Ukuba isabelo yayo liphezulu ngokwaneleyo, inkampani ucuthe nozinzo zemali, kwaye ukukwazi ukuhlawula, kodwa namatyala amele ukuhlawulwa iikontraki kunye nabathengisi yenza imibutho ukuba usebenzise uhlobo imali "ezamahala 'ukuze lonke ixesha nengeniso ye-akhawunti ezibhatalekayo.

Ukubala malini kuyingenelo kwinkampani kwimeko nganye, akukho nzima. Le nkampani ngokukhwela okulinganayo ebhankini kwi umdla. Enyanisweni, inzuzo wombutho kuxhomekeke umahluko phakathi kwesixa-mali ka inzala kwimali-mboleko ngenxa ixesha ubukho kwi imali kwamashishini eli tyala, ukuba oko kuthathwe, Kakade, kunye nexabiso liabilities ezikhoyo. Ngamanye amazwi, ndifuna inkampani kukuba isixa umdla semali-mboleko ezinikwa elunxwemeni yale mali kwaye ngelo xesha, ukuba inkampani enyanisweni ukuba uthatha.

Akhawunti imali ehlawulwayo kuxhomekeke kakhulu lombutho kushishino, ububanzi imisebenzi yayo.

Ingeniso ratio fault ubhekisela isalathisi ebonisa umsebenzi ishishini, okuluphawu indlela eyiyo usebenzisa intlangano yalo yenkxaso-mali. Ukubala ingeniso ratio kweendleko yokuthengisa kuyimfuneko ukwabelana iindleko (avareji yonyaka) kwii-akhawunti ezibhatalekayo, oko kubonisa inani yeenguqu ekufuneka yokugubungela akhawunti inkampani ubuze.

Ezi zikhombisi zilandelayo zisetyenziselwa ukuvavanya amadlala turnover:

• ixesha RS ngokosuku (iintsuku);

• KZ turnover (amaxesha).

Akhawunti imali ehlawulwayo umiselwa umlinganiselo yengeniso ukusuka kwiintengiso ukuya yokalo emileyo kuthetha ixabiso le akhawunti ukuhlawulwa. Umlinganiselo akhawunti ukuhlawulwa uchazwa kwisixa se akhawunti ukuhlawulwa, kufumaneka ekuqaleni nasekugqibeleni kwexesha umahlule ngo ezimbini. Ixesha lokuhlawula ematyaleni, umzekelo, ngemihla, umiselwa ngokwahlula inani leentsuku (ngonyaka kuthathwa iintsuku 360) malunga nengeniso short-wesekethe.

Kuyimfuneko ukuba ukukhumbula ukubaluleka ngexesha ixesha ukulibaziseka - ixesha elide eli xesha, kungona umncipheko non-kwemali ukulibaziseka.

Kungakuhle, kungakuhle ukuba umbutho ukuqokelela amatyala kwi-akhawunti ezifunyanwayo nangaphambi imfuneko ukuhlawula amatyala ukuze amatyala. Ukuba isithuba ingeniso short-wesekethe inani elikhulu leentsuku, oko kusenokubonisa ukuba imithombo enganelanga imali ekhoyo afunekayo ukuhlangabezana neemfuno zangoku ezivelayo umbutho ngenxa ekunciphiseni kwiintengiso, kwiindleko, ekukhuleni kwemfuneko ngenxa yokusebenza.

Kuba nababolekisi ngayo Kukhethwa ukuba ukujika akhawunti ezifunyenweyo kwaye, ngenxa yoko, umlinganiselo turnover lwalulude, ngoxa kwishishini okanye umbutho kubhetele kakhulu ukuba inomlingani eliphantsi. Oku kwenza ukuba intsalela engekahlawulwa elifutshane wesekethe enokusetyenziswa njengomthombo-mali ngemisebenzi yayo yangoku ngobulungisa lula (its free).

Akhawunti imali ehlawulwayo ibonisa isixa (idla ngokuba ngonyaka) intlawulo yinkampani medium size ezikhona ukuhlawulwa kuzo.