5 matanho ekugadzirisa njodzi yemari yako

Kuchinja kwemitengo yekuchinjana kuri chiitiko chezuva nezuva. Kubva kune muenzi ari kuronga rwendo kune dzimwe nyika uye achishamisika kuti riini uye sei kuwana mari yemuno, kusangano renyika dzakawanda kutenga nekutengesa munyika dzakawanda, kukanganisa kwekukanganisa kunogona kuve kwakakura. Kana iwe uchifunga kuti mari uye mitengo yekuchinjana ndeyemabhengi chete, inguva yekufunga zvakare.

Ngozi dzemari dzinokanganisa mabhizinesi ese epasi rese. Kana iwe uchifunga kuti mari uye mitengo yekutsinhana chimwe chinhu chete nemabhangi anofanira kunetseka nezvazvo, Funga futi.

Mabhizinesi mazhinji ari kutarisana nenjodzi yemari, vangave vachizviziva kana kwete. Nekushanduka kuri kuitika mumari dzepasirese, njodzi yemari yadzoka pachirongwa chemakambani ane vatengi, vatengesi kana kugadzirwa kune dzimwe nyika.

Nekupararira kwekoronavirus, Kurume naKubvumbi kwakaunza shanduko inoshamisa mumitengo yekuchinjana. Mitemo yakasimba yekuve nekubuda kwakadzika hupfumi hwenyika, zvichikonzera kudzikira kwemitengo yemafuta uye misika yemasheya.

Musika uri kutsvaga nzvimbo dzakachengeteka, kutendeukira kune iyo yen yekuJapan, dhora rekuAmerica uye Swiss franc. Mari diki uye mari dzekutengesa dzakatambura, kunyanya NOK, le SEK, AUD, NZD uye mari dzemusika dziri kubuda, kunyangwe kumwe kudzikira kwekukosha kwakadzokera kumashure kubva muna Kubvumbi.

Chinokosha chekudzidza ndechekuti kana iwe uchimhanyisa bhizinesi rinounza mari mhiri kwemakungwa kana ine mari kune dzimwe nyika, iwe unowanzo kuve wakatarisana nenjodzi yemari. Zviitiko zvausingakwanisi kudzora zvinogona kudya mumari yako uye kuwedzera mari yako.

Saka yakakura sei dambudziko rekuchengetedza njodzi yemari?

Muongororo ye200 CFOs uye vangangoita mazana matatu vabati vehomwe yakaitwa neHSBC neFT Remark, 70% veCFOs vakati kambani yavo yakatambura nekudzikira kwepurofiti mumakore maviri apfuura nekuda kwenjodzi inodzivirirwa uye isina kuvharirwa mari.

58% MaCFO emakambani makuru akataura kuti kutariswa kwenjodzi yemari ndeimwe yenjodzi mbiri dziri kutora nguva yakawanda kwazvo; uye 51% akati FX ndiyo njodzi iyo sangano ravo harina kushongedzerwa kubata nayo.

Kuchinja kwemari kunotyisawo kune mabhizinesi madiki uye epakati, asi maererano  chidzidzo cheNordea  yakaitwa mukupera kwa2020, maSME mazhinji anorerutsa njodzi dzekuchinjana kwavo.

Makambani ane mari inodarika mamirioni maviri emaeuro uye mwero wakaringana wekutengesa kunze kwenyika uye kunze kwenyika anoshuma atambura kurasikirwa kwemari kusingatarisirwe kwakakonzerwa nekushanduka kwemari panguva yeCOVID-2 denda.

Nekudaro, inenge hafu yeSME haina kuzvidzivirira pazviri. Ongororo iyi inoratidza kuti zvipingamupinyi zvikuru zvekugadzirisa njodzi zvine chekuita nekushaikwa kwenguva uye ruzivo.

Kune rimwe divi, kutonga njodzi dzemari yako kunogona kuunza mabhenefiti kubhizinesi rako:

• Chengetedza kuyerera kwako kwemari uye purofiti
• Kuvandudzwa kwekufanotaura kwezvemari uye bhajeti
• Kunzwisisa zvirinani kuti kushanduka kwemari kunokanganisa sei bharari rako
• Kuwedzera kukwanisa kukwereta

Apo mitengo yekuchinja inochinja-chinja, mabhizimisi anomhanyira kudzivisa kurasikirwa kungangoitika. Ndedzipi njodzi dzemari dzavanofanira kumisa uye sei?

Mhando dzengozi yemari

Chaizvoizvo, mabhizinesi anotarisana nemhando nhatu dzenjodzi yemari: kuratidzwa kwekutengeserana, kuratidzwa kweshanduro, uye hupfumi (kana kushanda) kuratidzwa. Tichavaongorora zvakadzama pazasi.

Trade Exposure

Iyi ndiyo mhando yakapfava yenjodzi yemari uye, sezita rinoratidza, zvinobva kune chaiyo bhizinesi rekutengeserana mumari yekunze. Kufumurwa kunoitika, semuenzaniso, nekuda kwekusiyana kwenguva pakati pekodzero yekugamuchira mari kubva kumutengi uye chaiyo chaiyo risiti yemari kana, kana ari mukweretesi, nguva iri pakati pekuisa odha uye kubhadhara invoice.

Exemple: Imwe kambani yeUS inoda kutenga michina uye, mushure mekugamuchira makotesheni kubva kune vakati wandei vatengesi (vekumba nevekunze), vakasarudza kutenga mumaeuro kubva kukambani yekuGermany. Midziyo inodhura 100 000 € uye panguva yekuraira, mutengo wekuchinjana €/$ ndeye 1,1, zvinoreva kuti mutengo wekambani muUSD uri $ 110.

Mwedzi mitatu gare gare, kana invoice yasvika, iyo $ kushaya simba uye mwero wekuchinjana €/$ ikozvino 1,2. Mutengo webhizinesi rekugadzirisa zvakafanana 100 000 € kubhadhara ikozvino $ 120.

Kuratidzwa kwekutengeserana kwakakonzera imwe mari isingatarisirwe kune bhizinesi re 10 000 $ uye zvinogona kureva kuti kambani ingadai yakatenga michina nemutengo wakaderera kubva kune mumwe wevamwe vatengesi.

Kusangana neshanduro

Uku ndiko kushandura kana kuturikira zvirevo zvemari (zvakadai sekutaura kwemari kana shizha remari) yeimwe kambani inotsigira kubva kumari yemuno kuenda kumari yekuratidzwa yekambani yevabereki.

Izvi zvinoitika nekuti kambani yevabereki ine zvisungo zvekuzivisa kune vanogovanisa uye vanodzora izvo zvinoda kuti ipe seti yakasanganiswa maakaundi mumari yayo yekuzivisa kune ese ayo anotsigira.

Mukuenderera mberi kwe muenzaniso uri pamusoro, fungidzira kuti kambani yeAmerica inosarudza kugadzira imwe kambani kuGermany kugadzira michina. Iyo subsidiary ichapa zvinyorwa zvayo zvemari mukati euros uye kambani yevabereki yekuAmerica ichaturikira zvirevo izvi USD.

Muenzaniso uri pasi apa inoratidza kushanda kwemari kweiyo subsidiary mumari yayo yemuno, theEuro. Pakati pegore rokutanga nerechipiri, akawedzera mari yake ne10% uye inowana chimwe chigadzirwa kudzikamisa mutengo wekuwedzera kune chete 6%. Izvi zvinoguma nekuwedzera kunoshamisa mukati 25% net income.

Zvakadaro, nekuda kwekukanganisa kwekuchinja kwemitengo, kushanda kwemari kwakasiyana zvakanyanya mumari yekushuma yekambani yevabereki, USD.

Kwemakore maviri emakore, mumuenzaniso uyu, dhora rakasimbiswa uye chiyero chekuchinjana €/$ yakabva paavhareji ye 1,2 gore 1 kusvika ku1,05 gore 2. Kuita kwemari mu USD zvinotaridzika zvakanyanya kuipa. Turnover yaizodzikira 4% uye mhedzisiro, ichiri kuramba ichikura, inongokwira chete 9% panzvimbo ye 25%.

Economic (kana kushanda) kuratidzwa

Iyi mhando yekupedzisira yenjodzi yemari inokonzerwa nemhedzisiro yezvisingatarisirwi uye zvisingadzivisike kuchinja kwemari pane ramangwana rekambani kuyerera kwemari uye kukosha kwemusika, uye ndeyenguva refu muzvisikwa.

Rudzi urwu rwekuratidzwa runogona kukanganisa sarudzo dzenguva refu, senge pekuisa mari mukugadzira kugona.

Muchiitiko changu cheHungary chakataurwa pakutanga, kambani yandakashandira yakafambisa huwandu hukuru hwehuwandu kubva kuUnited States kuenda kuHungary mukutanga kwe2000s kutora mukana wekuderedza mari yekugadzira.

Zvaive zvine hupfumi kugadzira muHungary uye wozotumira chigadzirwa kudzokera kuUnited States. Nekudaro, iyo Hungarian forint yakabva yasimba zvakanyanya mukati memakore gumi anotevera uye yakadzima yakawanda yaitarisirwa mutengo wakanakira.

Kuchinja kwemitengo yekuchinjana kunogona kukanganisa zvakanyanya chinzvimbo chekambani yemakwikwi, kunyangwe ikasashanda kana kutengesa kunze kwenyika.

Somuenzaniso, mugadziri wefenicha wekuAmerica anotengesa munharaunda chete achiri kufanira kutarisana nezvinotengwa kubva kuAsia neEurope, izvo zvinogona kudhura nekudaro zvakanyanya kukwikwidza kana dhora richikoshesa zvakanyanya.

5 Matanho Ekugadzirisa Bhizinesi Rako 'Kune dzimwe nyika Exchange Risk

Kunzwisisa kupi uye sei kuchinja kwemari kunokanganisa kufamba kwemari kwekambani hakuna kutwasuka. Zvinhu zvakawanda zvakasiyana, kubva kumaitiro ehupfumi kusvika kumakwikwi mukati mezvikamu zvemusika, tarisa kuti mitengo yekuchinjana inokanganisa sei kubuda kwemari mubhizinesi rakapihwa.

1. Ongorora kutenderera kwako kwekushanda

Wongorora mafambiro ekambani yako kuti uone kuti njodzi yemari iripo. Izvi zvichakubatsira kuti uone kuti purofiti yako yakatarisana sei nekushanduka kwemari.

2. Bvuma kuti une mari yakasiyana-siyana inoyerera

Bhizinesi rega rega rakasiyana uye izvi zvinoratidzwa mukuyerera kwako kwemari, asiwo muchimiro chemidziyo yako nezvikwereti. Izvo zvakakosha kuti unzwisise kuti kuchinjika kwemari kunogona kuve nemhedzisiro uye kuti sarudzo yekuisa ruzhowa kana kusaita haina kupusa semupumburu wedhayisi.

3. Sarudza kuti ndeupi mitemo yaunoda kushandisa kune yako mari yekudzivirira njodzi - uye namatira pairi

Iyo inoshanda yekuchinjana kune dzimwe nyika mutemo unotanga nekunzwisisa kwakajeka kwezvinangwa zvemari yekambani uye zvinogona kuita kuti shanduko mumitengo yekutsinhana iite pavari: kana kushanda kwemari kunopinda uye kubuda kuri mumari dzakasiyana, iyo Shanduko yemitengo yekutsinhana inogona kukanganisa EBITDA ye. bhizinesi rakanangwa.

Kana midziyo nezvikwereti zviri mumari dzakasiyana, kudzokororwa kwemidziyo iyi nemitengo mitsva yekuchinjana kunogona kukanganisa. mhedzisiro yeP&L kana capital ratio zvinangwa.

Gwaro rekutarisa njodzi yekuchinjana kune dzimwe nyika rinoona kuti, zvisinei nezvinangwa zvemari, njodzi dzekuchinjana dzinogona kukanganisa zvinangwa izvi dzinotariswa zvine hungwaru uye kudzikiswa.

4. Tonga kuratidzwa kwako kune njodzi yemari

Kunyanya kana zvasvika kune zvigadzirwa zvemuviri, pane kupatsanurwa pakati pekuita sarudzo dzebhizinesi nekuona mhedzisiro yesarudzo idzodzo paakaundi yebhangi yekambani. Munguva ino, kutenga uye kutengesa maodha anotaurirana, zvinhu zvinotumirwa kutenderera pasirese, uye zvinhu zvinogadzirwa, zvinochengetwa, uye zvinounzwa. 

verenga nyaya: Zvese zvaunoda kuti uzive nezve stock market mutengo kusagadzikana 

Pamwe chete nemaitiro aya emuviri, ma invoice anotumirwa, anoongororwa, anotenderwa uye anozobhadharwa. Munguva ino, mari inokoshesa uye inoderera.

Kana mutengo wezvinhu uye wekugadzira uri mune imwe mari yakasiyana neyokutengesa mari, uku kushanduka kwemitengo yekuchinjana kunogona kudzima zviri nyore miganho yekutengesa iyo kambani yakashandisa sehwaro hwekutanga kuita sarudzo. 

Zvishandiso zvemari zvinogona kubatsira kudzikisira kusagadzikana uku kunokanganisa zvinangwa zvemari zvekambani. Ndizvo zvatiri dana chivharo, uye izvi zvinova nechokwadi chekuti mitengo yekuchinjana inobata masaramusi eakaundi yebhanga yekambani haina kunyanya kusiyana neanoshandiswa pakuita sarudzo.

5. Automate currency management kuti usunungure nguva yako

Mabhizinesi madiki pamwe nemakambani makuru anogona kubatsirikana kubva pakugadzirisa mari yavo. The award-winning solution AutoFX kubva kuNordea inobatsira makambani kusunungura zviwanikwa, kubvisa mabasa emaoko, uye kuderedza njodzi yekushandisa uye kukanganisa kwevanhu. 

Kana uine ruzivo munharaunda ino, unogona kuisiya mumashoko