Cash Makwanza - nayo ... How kuverenga mari pakakoromoka

Kuronga mari Rwako anogona kuparadzira bhajeti zvinobudirira. Asi tsika kazhinji kushaya mari nokuda gogonera mari uye kutyorwa ouzivi muripo. Saka pane mari maburi. Kazhinji ichi ndicho chinhu chisingadzivisiki dambudziko chero vachida. Asi kuitira zvinobatsira kwakarongeka hurongwa muripo kuzvidzora.

mwoyo

Cash pakakoromoka (mu Chirungu mari pakakoromoka) - iri pfupi kushaya mari. It kunoitika kana zvichidiwa kupedza mari, uye hapana akaronga mari. Matambudziko Cash kuyerera ingamuka masangano kwose muridzi. Pfungwa yokuti 'mari pakakoromoka "hazvifaniri kuvhiringidzwa" bhajeti yemuraudzo ". Muchiitiko chokutanga akataura gogonera kutambira mari, uye wechipiri - pamusoro zvakawandisa zveminda pamusoro havashandisi mari yakawanda.

prerequisites

Cash Makwanza - kwakazara mabhizimisi. Zvikonzero parinowanika kunogona kuva:

• replenishment tichiregeredza pfupi-rokuti kubhengi zvikwereti;
• mugari zvekushandisa;
• kupa tengeserana chikwereti;
• Kutengeswa kwenhumbi panguva dhisikaundi;
• nokukurumidza kutengesa midziyo.

dziviriro

Kudzora mari aibuda, mabhizimisi kuti bhajeti mari aibuda (BCF) uye mari, mari (MDD). Pahwaro magwaro aya vanoumba "Payment karenda," izvo zvinoratidza vakanzi, zvakadini uye kana unofanira uchatamisa mari.

Chimwe nzira dzokudzora ndiko kudzora mari kwezvokudya receivables. Unogona kuedza inotokonya counterparties vachadzoka mari, achivabvumira Somuenzaniso, bonuses kuti kutenga ramangwana.

Kupa kutengeserana chikwereti, kambani anofanira:

• chengeta zvinyorwa nyaya receivable;
• ringaronga chikwereti;
• kugadza akarurama miganhu zvikwereti;
• kuti vaite basa pamwe maruramiro nonoka zvizhinji.

Asi zvinokosha kuyeuka kuti kunyange kana kambani iri kwegadziriro kudzora pachena mari, izvozvo hazvirevi kuti iye handinganzwiri nezvinetso mari.

zvikwereti Short-izwi

Kushanda kumativi dambudziko iri, unogona kuedza kutaurirana bhizimisi kuti nonotsa mubhadharo. Contractors kazhinji vanofarira mberi pamwe dzose vatengi. Kugamuchira rubatsiro rwemari kamwe kambani angangotadza change nokutengesa.

Cash gwanza ari zvebhizimisi kunogona kururamiswa factoring. Bank kutenga receivables chete kuedzwe vatengi uye pane imwe huru dhisikaundi (kusvika 25%). chiyero Iri nani kuti mabhizimisi makuru kuti vanoda akawanda zvinopa mari.

Mari mari pakakoromoka, zvinokwanisika kuwana overdraft kana chikwereti kubva kumahombekombe. Kana nguva pakati zvekushandisa uye mari runoyerera kuburikidza nhoroondo achava maawa mashomanana, zvakanakisisa kushandisa overdraft. Kuti vawane izvozvo unofanira kugovera mari yechibatiso. Pfungwa vanyorwa kuchengetedzeka kutora ndoda nguva. The muganhu hazvirevi kazhinji pfuura 50% uwandu kwemari pamusoro mwedzi wapfuura.

Credits

Kuti mari mari aibuda, unogona kuwana bhanga dzose chikwereti. Asi mari anogona kuva vashomashoma pasina zvinovimbisa. Kuti vawane chikwereti zvakarurama Ramer uye pachine, kuteverwa mitemo nyore:

• Zvikumbiro zvikwereti anofanira kuzviisa mumitauro miviri mabhanga akawanda. Saka zvichibvira, kutanga, kuti agovere zvachose kudiwa chikwereti mari, uye chepiri kuti yaishandirwa dzinoverengeka masangano yakanaka chikwereti nhoroondo. Vatsva kumirira kwenguva yakareba, asi kana kuzodzosera kubata nguva uye basa mamiriro anogona rakadzokororwa muchifarira nemhosva.
• Cash Makwanza - kusava mari mari matsva zvinodiwa. Naizvozvo hazvina achashanda chikwereti yakanakisisa vaishanda pane imwe huru (10-15%) uwandu. Chete muchiitiko ichi zvinoita chaizvoizvo kuwana zvakakodzera huwandu mari. Kuderedza mari pakakoromoka panyaya dzakadaro achapiwa pamwe kunobuda mari yacho chikwereti rubatso (Zvinofungidzirwa kuti uwandu, inishuwarenzi pfuma, uye zvichingodaro. D.) Uye kubhadhara tsva muganhu (1% uwandu).
• Kana zvichibvira, zvinopa sechokumbofanobata kuti pfuma hakurevi hurumende kunyoresa, kuti chinhu kunze Real Estate. Kana ichi rinoshandiswa sezvo uchishandisa hurongwa, ipapo unofanira kuedza kuwana mari asati vanyorwa chikwereti kondirakiti. Vamwe mabhanga vari kuenda kubvumira kwakadaro.
• Kubata idzva kushanda pachine. Somuenzaniso, mwedzi kuguma chibvumirano kare asati kuti ape itsva pasi chete urongwa. mwedzi Next ruzhinji kwemari anorayirwa kubhadhara chikwereti, uye vose ano zvinodiwa mari itsva chikwereti.

muenzaniso

Kambani akagamuchira chikwereti wokutanga August 2015 mu uwandu mamiriyoni 10 rubles. yakasimbiswa musha. Treaty akapa mari mbiri - muna August uye September wegore iroro - mamiriyoni 5 rubles. Panyaya mbiri mutsetse, mari inogona kudzokera mukati mwedzi Yakabudiswa. Chinhu chikuru - kuramba mukati mwedzi mumwe.

Muna September, kambani vakapinda mumwe nechibvumirano chete rubles mamiriyoni 10. kechipiri bheiro musha. Zvisinei, gwaro akapa mamiriro ezvinhu kuti yose chikwereti zvose zvibvumirano August haafaniri kupfuudza mamiriyoni 10 rubles.

Somugumisiro, pane 2 chibvumirano ne zvakaenzana, asi okuti zvakasiyana. The zvichiguma kwemari muna August (5 mln.) Inoendeswa zvizere (mu September) chemhosva wokutanga chikwereti. iyezvino kubhadhara All vakaitwa tichiregeredza yacho chikwereti chitsva. zano Izvi zvinoita kuchengeteka kushanda guru.

How kuverenga mari pakakoromoka?

Somuenzaniso, dzemaitirwe kutora chinhu zvebhizimisi mubasa kugadzirwa dheri zvigadzirwa. Kutenga dzinoitwa neMuvhuro pamwe kuripwa nhumbi musi iwoyo. Vakatengesa pamusoro ichinonoka muripo 5 mazuva. Cash gwanza ichibudira panyaya zvaipesana mashoko kubhadhara chikwereti. NeMuvhuro, nhumbi dzave nengarava mu uwandu mamiriyoni 1 rubles. uye panguva imwe chete vakatenga mukaka mamiriyoni 0.5 rubles. Pashure pamuripo nhoroondo mbishi zvinhu, kambani akasiya mamiriyoni 0.1 rubles. Mumakore 5 Mazuva okutanga chikwereti akaripawo zviuru chete 200. To kubhadhara chokuendesa rinotevera vhiki chinhu. Pane kuperevedza mari iri uwandu 300 zviuru.

Izvi kukarukureta of mari pakakoromoka nyore zvinogoneka chete mabhizimisi madiki. kuti nzira kuti kushandiswa dzimwe nguva:

DS + R - O = UDF, apo:

• UDF - chasara mari pazuva;
• DS - Nyaya mwero pakutanga kwezuva;
• P - nerubatsiro mari;
• About - zuva muripo.

Cash Makwanza - akaipa ukoshi UDF. Uyezve, zvinokosha kuongorora Inventory pachiyero. Zvichida kudiwa kutenga zvitsva haazovanzwiri.

waiting mutero

Cash kwezvokudya akarova mukurumbira chekambani, nokuparadzwa chikwereti nhoroondo, kudzivisa basa. Zvikurukuru mamiriro ezvinhu akaoma kana tichifanira kusarudza pakati vachibhadhara kuti bhajeti uye counterparties. Mamwe makambani vakatanga kushandisa nyore algorithm.

By pasi mutero kudzokera muna fiscal vakuru vanofanira kuva musi iwoyo, kana zvishoma apfuura (VAT NPP, munhu sandara mutero) uchatamisa mari kuti bhajeti. Asi hapana munhu ari kuenda ape muripo murayiro. On the "dzinodzengerera" muripo kuti akapiwa Zvirango. Asi dzimwe nguva zviri nani kubhadhara faindi bhajeti pane kufukidza mari pakakoromoka inotevera chikwereti.

muenzaniso

Ltd. akaverenga pachine mubhadharo nokuda SPE nokuda II kota iri uwandu mamiriyoni 1 rubles. The kambani vanofanira nyora nokutengesa 04,08 NZD mamiriyoni 0,9. Mukupera August, sangano anotarisira kugamuchira kubva chikwereti kuripwa mamiriyoni 3 rubles. At 28,07 nekuda ine mamiriyoni 1 We kutakura mari pakakoromoka kukarukureta :. 1 + 0 - (1 + 0,9) = - 0,9 mln .. Funga nzira mbiri mari mabhizimisi.

Ipfungwa 1

1. 28,07, boka anofanira pasi chiziviso kuti mutero uye kutapurirana mari mu uwandu mamiriyoni 1 rubles.
2. 31,07 kambani anotora chikwereti mamiriyoni 1 rubles. ne 20% kuti 1 mwedzi; Mari idzi inofa kuti counterparty receivable - mamiriyoni 0,9 rubles.
3. 20,08 kuuya kubhadhara kubva nechikwereti iri uwandu mamiriyoni 3 rubles. OOO anodzoka kuti chikwereti mari uye mubereko.

We overenga overpayment: 20% / 12% = 1,67.

Mari kuti refunded:. 1000 + 1000 X 1,67% = 1016,7 zviuru kuzora.

Kureva overpayment ndiyo 16.7 zviuru. Kwiza nechekuzasi.

Ipfungwa 2

1. 28,07 Company anofanira pasi chiziviso, asi mari isingadzokizve.
2. 03,08 Company anotsiva chikwereti kune mutengesi ari uwandu mamiriyoni 0,9 rubles.
3. 20,08 akapa mamiriyoni 3 rubles. kubva nechikwereti.
4. 21,08 Kambani hwakatamisirwa bhajeti pachine uwandu mamiriyoni 1 rubles. uye kuongororwa chirango.

kukarukureta:

Uwandu mazuva kunonoka - 24. The refinancing zvazvingava - 11%.

fines chitsama: (1000 x 24% X 11) / 300 = 8.8 iwe ..

Mhedziso: The kambani Zvinobatsira kunonoka advanced yokubhadhara mutero. Ipapo mari zvichaita kwakafanana 7,9 zviuru. Kwiza nechekuzasi.