Ixabiso net langoku. Ixabiso elikhoyo

Ngokwamanani mihla neyezoqoqosho kunokwenzeka rhoqo kudibana elide njengoko "ixabiso ngomnatha langoku", into ethetha ixabiso ubalwe esetyenziswa xa kuthelekiswa iinketho ezahlukeneyo zotyalo-mali olo.

Enye izigqibo ezibaluleke kakhulu kwaye eqhelekileyo eyenziwa kwezolimo, ke umbuzo utyalo-mali nezinye iinkampani. Ngokomzekelo, nyaka ngamnye izigidi engange kutyalwa izityalo okanye izixhobo zabo eziya kusebenza kwaye ziveze iinzuzo ezongezelelweyo iminyaka engamashumi amaninzi. kwemali of mali kwixesha elizayo, onako ukuzisa utyalo-mali, iphawuleka ukungaqiniseki. Ke ukuba izityalo okanye mveliso esele yakhiwe kwaye ungazisi ingeniso elindelekileyo, abayi-mali kukwazi kuphinda abuthengise kubo waza ukuze kubuyekezelwe-mali. Kulo mzekelo, iziko loshishino (-mali) othwala ilahleko ezingenakuhlawuleka.

lwesigama

ixabiso Net langoku ubonakalise isixa yangoku kwezibonelelo zemali ezifunekayo ukuvelisa kwengeniso, kwixesha elizayo, ibakala elilingana neli analog, ngenxa ukuphunyezwa iprojekthi zotyalo-mali ethile. Umzekelo, kukho izinga idipozithi ka-10%, ngoko $ 100 baya kuzisa engange 110 ekupheleni konyaka. Ngokwembono uhlalutyo lokuhambelana iindleko kwigalelo $ 100 ukuba idiphozithi okanye iprojekthi wotyalo ungabangela engange 110 enye, ixabiso elikhoyo liya kuba njalo.

Kukho kwakhona isalathisi se inzuzo iprojekthi zotyalo - kubangelwa ukwahlula ixabiso net langoku ukuba lilonke ixabiso ngesaphulelo lotyalo-mali (iindleko zotyalo-mali).

Ukumisela ukuba nokwenzeka mali

Ekwenzeni iprojekthi zotyalo-mali ngaphezu konyaka omnye, amancedo kwemali inokuchazwa ngokuzisa ikamva mali sifunyenwe emva komhla kunyaka ukuya kumhla wokuqalisa le projekthi. Ngoko ke ixabiso net langoku imiselwa, nto leyo 'ukubuyela'-mali. Le mali xa kuthelekiswa iindleko eziqikelelweyo, Noko ke, uvavanyo kufuneka ithathelwe ingqalelo "enezixhobo" ngokohlobo capitalisation umdla. Oko kukuthi ixesha-nye izahlulo ahlawulwa-mali ekupheleni konyaka, kodwa ibhanki unako ukuhlawula inzala qho ngenyanga. Kungenxa yoko le nto ixabiso net akhoyo kunye uhlahlelo lothelekiso umiselwa iifomyula ezahlukeneyo, yaye kwimeko yeziko mali kufuneka athathe ingqalelo idipozithi capitalisation yenyanga umdla.

Kule ncwadi kwezoqoqosho, inokufumaneka loo mazwi "zemfundo": ixabiso net yangoku iprojekthi zotyalo - intsalela kwezibonelelo zemali ezifunyenwe zonke iirisithi cash neenkcitho. imali yayo kuyehla kwixesha lokuqala (ukuqala umhla lokuphunyezwa iprojekthi zotyalo-mali).

Le japan ibonisa ubungakanani isixa semali zingafumaneka emva mali le projekthi. Amaxesha amaninzi ixabiso elililo imele ingeniso epheleleyo mali, kodwa lo mzekelo kufuneka ithathelwe ingqalelo ixabiso intsalela zale projekthi.

Umnatha ixabiso elikhoyo le projekthi; ifomula ukubala

Ngoko ke, ukubala we index usebenzisa ifomula ezinjalo:

• NPV = SUM (CF _t / (1 + i) ^t);
• NPV = -IC + SUM (CF _t / (1 + i) ^t),

apho:

t - inani leminyaka;
CF - intlawulo nge t-iminyaka;
IC - imali eyinkunzi;
i - izinga isaphulelo.

Izinto isaphulelo

Ixabiso net langoku zibe zinokubaleka ngokuchanekileyo kuphela xa kuthe ukuba ilungelo linokunyulwa rate isaphulelo. Ngokusekelwe ixabiso zesi salathisi, unako ukufumana okuza esihambelanayo kwithuba apho uhlalutyo.

Kuphela ngenxa yokumisela ukuxabiseka iirisithi kunye neenkcitho eziinkozo kwemali ixabiso net ikhoyo kumiselwa njengoko umahluko phakathi kwezi amaxabiso amabini. Ngenxa yoko, esi salathisi kunokuba kuzo ebezintle nezo zingentle.

Makhe bahlale kumaxabiso awo:

• ixabiso onguphozithivu ibonisa ukuba iirisithi billing ngokwemiqathango isixa isaphulelo ukuba idlule attachments ezifanayo, kwaye ke oku kundinceda ukuba ukwandisa ixabiso iqumrhu loshishino;
• engenaxabiso ibonisa ukungabikho izinga ezinqwenelekayo lokubuya, nto leyo ekhokelela ukuba ilahleko ethile.

Ukuqwalaselwa ezizezinye mali

Amaxesha amaninzi abatyali nokutyala imali zabo kule okanye projekthi zezi ngokuzibuza le umbuzo: yintoni izinga isaphulelo kufuneka ingasetyenziswa xa kubalwa kwishishini net ixabiso elikhoyo? Impendulo ixhomekeke kubukho ezinye kutyalo-mali. Ngokomzekelo, maxa wambi endaweni uhlobo lotyalo-mali, inkampani isebenzisa izibonelelo zalo zemali ukuthenga ezinye iintlobo eyinkunzi olungenakuzisa inzuzo enkulu. Okanye iqumrhu loshishino ofumana ezintanjeni, ezidla ngokufumaneka kuqinisekisa inzuzo yabo.

Investments ezinamazinga ezilinganayo ubungozi

Kukho ikho into utyalo-mali "efanayo". Le mali, nto leyo sengozini ngokulinganayo. Yinto eyaziwayo ingcamango yokuba ubungozi ephakamileyo-mali, kungona kwinqanaba ingeniso, kwaye ngokufanelekileyo, ixabiso net langoku. Ngoko ke, utyalo-mali enye kule projekthi - ingeniso apho kukholeleka ukuba kubungakanani obufanayo kunye notyalo kwiprojekthi okanye asethi kunye kwinqanaba elifanayo lomngcipheko.

Ukuvavanya iqondo umngcipheko wotyalo-mali kufuneka athathe ubukho ubukho projekthi, hayi ezinxulumene nayo nayiphi na ingozi. Emva koko, njengoko iindleko ithuba ezizalayo ingeniso umngcipheko-free. Umzekelo imali efana na ukuthengwa kwiibhondi zikarhulumente. Xa kubalwa uyilo iqumrhu kwezoqoqosho kunyaka-elishumi uya kukwazi ukuthatha ithuba lonyaka umyinge wenzala phezu imixokelelwane afanelekileyo kurhulumente.

UPawulos umbandela, kufuneka kuqwalaselwe ukuba esi salathisi kwezoqoqosho kakhulu nempumelelo ekuncedeni-mali ekumiseleni ukuba nokutyala imali kwasala lishishini ethile.