Qonda imiqondo eyisisekelo kwezezimali

Ukuqinisekisa ukuphathwa kwezimali okuphumelelayo, kubalulekile ukwazi kahle imiqondo eyisisekelo kwezezimali. Le mibono ebalulekile izokuvumela ukuthi uphathe kangcono izinsiza zakho zezezimali futhi wenze izinqumo ezinolwazi. Nansi imiqondo ebalulekile okufanele uyazi:

  1. Izimpahla Nezikweletu: Izimpahla zimelela impahla nezinsiza eziphethwe ibhizinisi, kuyilapho izikweletu ziyizikweletu nezibopho zezimali. Umehluko phakathi kwezimpahla nezikweletu uhlanganisa ukulingana kwenkampani.
  2. Imali Engenayo Nezindleko: Imali engenayo inani lemali ekhiqizwa ibhizinisi ngemisebenzi yalo yebhizinisi, kuyilapho izindleko ziyizindleko ezitholwayo ekwenzeni le misebenzi. Umehluko phakathi kwemali engenayo nezindleko inzuzo noma ukulahlekelwa kwebhizinisi.
  3. Inzuzo: Inzuzo ikala ikhono lenkampani lokukhiqiza inzuzo ngokuqhathaniswa nezindleko zayo. Ivamise ukuvezwa njengephesenti futhi ingasetshenziswa ukuqhathanisa ukusebenza kwezimali kwezinkampani ezahlukene noma ukuhlola ukusebenza kahle kokutshalwa kwezimali.
  4. Isabelomali: Isabelomali wuhlelo lwezezimali olubikezela imali engenayo nezindleko zebhizinisi esikhathini esithile. Isiza ukulandelela ukusebenza kwezimali, ukulawula izindleko, nokuhlonza amathuba okuthuthukisa.
  5. Ukugeleza kwemali: Ukugeleza kwemali kumelela ukungena nokuphuma kwemali evela enkampanini ngesikhathi esithile. Ukuphathwa kokugeleza kwemali okuphumelelayo kubalulekile ukuze kuqinisekiswe ukutholakala kwezimali kanye ne-solvency yenkampani.

Hlaziya izitatimende zezimali ukuze wenze izinqumo ezingcono

Izitatimende zezimali zinikeza ulwazi olubalulekile mayelana impilo yezezimali yebhizinisi futhi zibalulekile ekwenzeni izinqumo ezinolwazi. Nazi izitatimende zezimali ezibalulekile nokuthi ungazihlaziya kanjani:

  1. Ibhalansi ishidi: Ishidi lebhalansi libonisa izimpahla, izikweletu kanye nokulingana kwebhizinisi ngesikhathi esithile. Kuyasiza ukuhlola i-solvency nokuzinza kwezezimali kwenkampani. Ukuze uhlaziye ishidi lebhalansi, qhathanisa izimpahla nezikweletu ukuze unqume ikhono lenkampani lokukhokha isikweletu nokukhula kwezimali.
  2. Isitatimende semali engenayo: Isitatimende semali engenayo sethula imali engenayo, izindleko kanye nenzuzo noma ukulahlekelwa kwebhizinisi esikhathini esithile. Isetshenziselwa ukuhlola inzuzo nokusebenza kwezimali kwenkampani. Ukuze uhlaziye isitatimende semali engenayo, buyekeza imali engenayo nezitayela zezindleko futhi uziqhathanise nezibikezelo zebhajethi ukuze ubone ukuhlukahluka namathuba okuthuthukisa.
  3. Isitatimende sokungena nokuphuma kwemali: Isitatimende sokugeleza kwemali sibonisa ukungena nokuphuma kwemali kwenkampani ngesikhathi esithile. Ilandelela i-liquidity kanye nekhono lenkampani lokukhiqiza ukuhamba kwemali okuhle. Ukuze uhlaziye isitatimende sokugeleza kwemali, thola imithombo yemali nezindleko futhi uhlole ikhono lenkampani lokuxhasa ukusebenza nokukhokha isikweletu.
  4. Izilinganiso zezimali: Izilinganiso zezimali zingamathuluzi okuhlaziya akala ukusebenza kwezimali kwenkampani ngokuqhathanisa idatha yezezimali ehlukile. Izilinganiso zamanje zifaka i-profit margin, isilinganiso se-liquidity, isilinganiso se-solvency kanye nembuyiselo ku-equity. Ukuze uhlaziye izilinganiso zezezimali, ziqhathanise nezilinganiso zemboni kanye nezilinganiso zenkampani ezingokomlando ukuze uhlole ukusebenza okuhlobene.

Lawula ubungozi bezezimali zebhizinisi eliqinile neliqhubekayo

Ukulawulwa kobungozi bezezimali kubalulekile ukuze kuqinisekiswe ukuzinza nokusimama kwebhizinisi. Ngokukhomba nokunciphisa ubungozi bezezimali, ungalungiselela kangcono ibhizinisi lakho ukuthi libhekane nokungaqiniseki nezinselele. Nawa amanye amasu okuphatha ngempumelelo ubungozi bezezimali:

  1. Ukuhlukahluka: Sabalalisa utshalomali lwakho kanye nemithombo yemali engenayo ukuze wehlise ukuncika kwakho kumsebenzi owodwa noma emakethe eyodwa. Ukuhlukahluka kungakusiza ukuthi ulungise ukuguquguquka kwemakethe futhi unciphise ubungozi obuhambisana nokwehla kwesidingo emkhakheni othile.
  2. Ukuhlelwa kwezimali: Yenza uhlelo lwezezimali oluqinile oluhlanganisa ukuqagela kwemali engenayo nezindleko, imigomo yokukhula, namasu okutshala izimali. Uhlelo lwezezimali oluklanywe kahle luzokuvumela ukuthi ulindele izinselele zezimali futhi uthathe izinyathelo zokuzinciphisa.
  3. Ukuhlaziya isimo: Yenza ukuhlaziya isimo ukuze uhlole umthelela wemicimbi ehlukene empilweni yezezimali yebhizinisi lakho. Lokhu kuzokusiza ukuthi ulindele izingozi ezingaba khona futhi uthuthukise izinhlelo zokusebenza ukuze unciphise umthelela wazo.
  4. Ukuphathwa Kwemali: Hlala ubhekisisa ukuhamba nokuphuma kwemali kwenkampani yakho futhi ube nezinqubo ozenzayo zokuqinisekisa ukuphathwa kahle kwemali. Ukuphatha kahle imali kuzokuvumela ukuthi ubhekane nezinto ezingalindelekile futhi ugcine i-solvency yebhizinisi lakho.
  5. Umshwalense: Thatha umshwalense ofanelekile ukuze uvikele ibhizinisi lakho ezingozini zezezimali ezihlobene nezenzakalo ezingalindelekile, njengezingozi, izinhlekelele zemvelo noma ukumangalelana. Umshwalense ungakusiza wehlise ukulahleka kwezimali futhi ugcine ukuqhubeka kwebhizinisi lakho.

Ngokusebenzisa la masu okulawula ubungozi bezezimali, uzoqinisa ukuzinza nokuqina kwebhizinisi lakho lapho libhekene nezinselele zezimali futhi uqinisekise ukusimama kwalo kwesikhathi eside.

 

Qhubeka nokuqeqeshwa endaweni yokuqala→→→