Akhawunti ezihlawulwa - ezi izibophelelo zemali ukuze lubuyiswe

Yabemi baseNtshona Yurophu kangangoko ngaphezu bakuthi baqhelene nale fomu-mboleko nemali-mboleko. nkqubo Credit nawuphi na urhulumente ibonisa ubukho kweli lizwe ngokuqinileyo ngeenyawo zabo ngemali-credit amaziko, isandla ekulondolozeni ukuzinza phakathi iimfuno iindidi ezahlukeneyo zabemi kunye nemfuno iimveliso zamashishini zasekhaya.

Ngenxa yezizathu yobulungisa kubalulekile ukukhumbula ukuba amaziko ethu yokubolekisa bakwimeko nqanaba lokukhula, kodwa ukuzokuthi ga ngoku sekunjalo basilela ixabiso efanayo izakhiwo Koloni. Oku kubonakala kule nkqubo ayikho bhetyebhetye uboleka imimandla yephondo xa kuthelekiswa kwimimandla embhaxa kunye imizi emikhulu. Imiqathango mboleko rhoqo musa kunxibelelana ubunzulu sipaji ye ngummi avareji, ababevela kwabasebenzi. Kwakhona ebetha ukhetho elincinane ngokoMthetho mboleko, ngoko ke nokufunyanwa, bathi, imoto okanye emakhayeni nangaphezulu ngoncedo mboleko iba akunakwenzeka, kunye nabo nobuganga ukuthatha mboleko, oko iguqulelwa kwixa elizayo kulo ukutshona ematyaleni.

Nawuphi na umntu othe isigqibo ukuthabatha eli nyathelo, ezihlawulwayo - nto leyo ayithethi ukongeza nethemba, njengoko imali ngokuqhelekileyo kufuneka ubuyele ixesha elide. Kuba inkampani enkulu namatyala amele ukuhlawulwa - lokususa elityetyisiweyo phaya kwiphepha lomncono. Ukunyuswa akhawunti ukuhlawulwa, ebonisa ukukhula okuqhubekayo yemali-mboleko, ubukhulu becala ukunciphisa uzinzo kwezemali yenkampani. Ngaphandle kokuba kukho iimali ezithe kratya, ezo ukuthathwa phantsi mali ekujoliswe kwiiprojekthi ngamnye, okanye uvale namanye amatyala esebenzayo asifanele, silibale ukuba ezi zibonelelo ebonakalayo imali ayiyontetho yemihla ngemihla ebolekiweyo, yaye ngoko nangoko idala imbopheleleko omtsha ukuba ahlawule.

nkqubo abolekisa esebenzayo impumelelo kwezo meko apho izinga lombutho capital turnover yenza ngexesha kunye yalula eminye imisebenzi zokugalela ezinjalo mboleko. Isibaluli efanelekileyo ukuba iinkampani ziquka ezo iimveliso abe imfuno ephakamileyo kunye nenqanaba olunge ophezulu amatyala.

Ngokwembono kwethiyori kwezoqoqosho, ezihlawulwayo - ebandakanyekileyo okuququzelela ukusetyenziswa kwezi mali, nto leyo emva kwexesha elithile ziya kubuyiselwa ipesenti emisiweyo nokusetyenziswa kwazo okwethutyana, abo bantu ukuboleka kubani. Kukho nezinye iinkcazelo ezininzi, ngokoko apho kuhlawulwa - uhlobo lwe izibophelelo ezibonisa ityala ezihlawulwa kwabanye abantu (amatyala). Enoba nemisinga ezahlukeneyo zenzululwazi kwezoqoqosho, eli elithi "kuhlawulwa" ngokunxulumene kumaqumrhu zoshishino, ngokunjalo kubantu kuhlala ingatshintshanga.

Ukuhlola umsebenzi samatyala amashishini ngokufuthi zisetyenziswa izikhombisi ezinjalo njengoko umlinganiselo akhawunti ukuhlawulwa ratio yayo ingeniso. Ngenxa olu hlobo ityala na ukubuyiselwa imali-mboleko, nikelani ingqalelo engakumbi kwaye eyesibini i parameter bawela. Ngokubanzi, umlinganiselo nengeniso ye-akhawunti ukuhlawulwa ngumlinganiselo yokusebenza kwemali, nto leyo ibalwa umlinganiselo kweendleko impahla Abathengiswa kunyaka ukuya ixabiso avareji mboleko ezifunyenweyo. Ixabiso eliphezulu le salathisi sibonisa ukuba inkampani unalo amandla zemali -asethi eziphathekayo, nto leyo evumela ukuba ngokukhawuleza ukwenza iintlawulo kubanikezeli zabo.