Mari, Personal Finance
Net varipo ukoshi - kukarukureta kuti inivhesitimendi
vanoita Vakawanda vaifanira kurasikirwa hope uye havi achiedza kuona inonyatsobudirira nzira kuderedza mari pangozi uye maximize Purofiti kunotangira. Zvisinei, zvinokosha chete kuwedzera upfumi kuverenga. Net varipo ukoshi kuchaita kubvumira zvikuru chinangwa Kutarira mari nyaya. Asi chii?
mari
Tisati tataura pamusoro nyaya dzakadai mambure ndiripo kukosha, unofanira kutanga kubata omushandi pfungwa. Positive mari (mari Rwako) vari mari anopinda basa (kufarira kugamuchira, Sales, nefuma kubva mumatanda, zvisungo, neramangwana, etc.). Negative kuyerera (kureva mari) inomiririra mari kuti zvinobviswa chekambani bhajeti (mubayiro, kutenga uye mitero). Net varipo ukoshi (Mhedziso mambure mari aibuda) Chokwadi, rinomiririra musiyano pakati zvakaipa uye zvakanaka dzenzvimbo. Zviri mutengo ichi yokuteerera inokosha uye kunakidza mubvunzo upi basa: "? Mari yakawanda sei muruoko" Kuti vave nechokwadi munhu simba bhizimisi kukura zvinoda rworudyi sarudzo pamusoro mirayiridzo refu upfumi.
Mibvunzo pamusoro upfumi
Net varipo ukoshi unesungano zvakananga kwete chete masvomhu, asiwo mafungiro vakananga inivhesitimendi. Uyezve, kunzwisisa nyaya iyi hakusi nyore unonakidza sezvo, uye kunobva zvikurukuru pamusoro mupfungwa chinhu. Usati ukadyara mari chirongwa, unofanira kuzvibvunza mibvunzo inoverengeka rokutanga:
- kana basa racho idzva vachava zvinobatsira, uye kana?
- Zvimwe tinofanira vanopedzisira imwe chirongwa?
The mambure varipo ukoshi ane mari inofanira kuonekwa akapoteredza mamwe nyaya dzakadai akaipa uye zvakanaka Rwako kubva chirongwa nezvazvinoreva kwokutanga inivhesitimendi.
twa mufambo
Cash kuyerera chinhu chichiitika. The yesangano raJehovha kwekambani sevanhu kushandisa mari nezvinhu uye munataisireva - sezvo zvinyorwa. The chokupedzisira chigadzirwa ichi nyaya - iri kutaridza wakaiswa yesangano, basa, mbishi zvinhu mari, izvo vanobhadharwa pakupedzisira mari. The mambure varipo ukoshi kufunga zviri kufamba Rwako zvemari.
Chii NPV?
Vanhu vazhinji vanofarira dzezvoupfumi, mari, mari uye mabhizimisi, vakasangana chidimbu ichi. Zvinorevei? NPV anomirira NET PRESENT ZVINOKOSHA, uye anoshandura se "mambure chipo ukoshi". It rinowanikwa nevanhu Achipfupikisa kuti zveminda kuti kambani achaita vaunze panguva oparesheni, uye mari chirongwa mutengo. Zvadaro, uwandu mari deducted kubva mari. Kana mugumisiro kukarukureta mutengo uri akanaka, zvino chirongwa ichaongororwa sezvo zvisingabatsiri. Zvinogona vakagumisa kuti mambure chipo ukoshi - ane chokukomborerwa kana chirongwa kuchaita vaunze mari kana kwete. zveminda All ramangwana uye mari dziri discounted panguva yakakodzera chimbadzo.
Zvakakurukurwa pakuverenga mambure chipo ukoshi
Net varipo ukoshi - ndiko kuona kuti chirongwa arasikirwe kupfuura mutengo apedza pamusoro payo. Zvinofungidzirwa mari pachiyero pamwe netarisiro mitengo Mari Rwako kunotangira basa. Zvakakosha kufungawo zvinodiwa makambani uye chokwadi inoyerera izvi zvingava pasi vanotengesa pamusoro wemari exchanges.
discounting
The mambure varipo ukoshi kukarukureta rinoitwa pachishandiswa discounted mari Rwako pa prices akaenzana mukana mutengo kuti bhizimisi. Chii mwero anokarirwa yokudzoka pamusoro kuchengetedzeka akaenzana chete ngozi, uye ine chirongwa mubvunzo. On dzakabudirira misika wemari yesangano, anawo ngozi pamwero, dzinoongororwa zvokuti anova pamusoro pavo uye nhamba iyoyo yokudzoka. The mutengo iyo pokuita mari chirongwa vanoita vanotarisira kuwana mwero richadzokera pamusoro mari iri kuwanikwa discounting inoyerera pamwero anoenzanisa kuti mukana mari.
The mambure varipo kukosha chirongwa chayo zvivako
Pane zvakawanda zvinokosha zviri basa kuongorora nzira. Net chipo ukoshi kunoita kuongorora upfumi kwakavakirwa chokuratidza kuti maximizing kukosha nhamba, chiri kuwanikwa makambani uye shareholders. chokuratidza Izvi pasi zvemari uye mari kwema somunhu fundraising uye guru, uyewo avo placement. Nzira iyi chinotarisa mari mari, icho kuzivikanwa zviri mari mubhangi nhoroondo panguva iyoyowo uchivawo akkauntingovymi mari, sezvinoratidzwa chizvidavirire zvinyorwa. Zvinofanira kurangarirwa kuti mambure chipo kukosha mutengo kungaitwa pane kushandiswa mari inivhesitimendi. Chimwe chinokosha ndiko kuzviisa pasi zvinodiwa chirungiso. Izvi zvinoreva kuti zvinokwanisika kuti funga zvose zvirongwa zviri mari, uyewo mumwe nomumwe uye mubatanidzwa yenhengo zvose zvichava akaenzana zvachose Mari yaidiwa kuvaka.
The chokukomborerwa magetsi ukoshi
Net varipo ukoshi kunoenderana kukosha magetsi indekisi (PV). Inonzi kukosha aibuda mari mune ramangwana, iyo inoreva kuti musi discounting. The kukarukureta pamusungo varipo ukoshi inowanzoratidza dzemaitirwe parizvino kukosha indekisi. Find kukosha ichi kungava nyore inonyatsoita, iyo inorondedzera zvinotevera mari mabasa: yavaive mari, muripo, muripo uye mukanyiwa-kuwanda mutsividzo pamusoro:
PV = FV / (1 + R).
apo R - the interest ndechokuti, unova mutengo kuti kubhadhara mari vakakwereta;
PV - ndiyo chitsama mari akagadzirirwa kutakura mashoko muripo, kukura, mutsividzo;
FV - ndiyo mari yaidikanwa kuti kubhadhara chikwereti, izvo zvinosanganisira yepakutanga chitsama chikwereti, ndinoiitawo mubereko.
The kukarukureta pamusungo varipo ukoshi
Kubva ano indekisi mutengo anogona kuenda NPV kukarukureta. Sezvataurwa pamusoro apa, mambure varipo ukoshi - musiyano discounted chekubuda inflows mune ramangwana uye uwandu yose mubhizimisi (C).
NPV = FV * 1 / (1 + R) -C
apo FV - Verengai ramangwana zveminda zvose kubva chirongwa;
R - zvibereko;
C - the dzinokwana upfumi zvose.
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