Ho utloisisa lichelete tsa khoebo hamolemo

lichelete tsa khoebo e kopanya likarolo tsohle tsa lichelete tse amanang le mokhatlo. Tsena ke lintlha tse amanang le matsete a lichelete, libanka, tekanyetso, joalo-joalo. E ikemiselitse ho eketsa boleng ba beng ba kabelo ka moralo oa lichelete oa nako e khuts'oane le e telele. Ts'ebetso efe kapa efe kapa karolo e amehang Lichelete tsa mokhatlo ke karolo ea lichelete tsa khoebo.

Ha e le hantle, mokhatlo o hloka chelete bakeng sa mesebetsi ea oona e fapaneng, mesebetsi le merero. E tlameha ho netefatsa hore ho na le lichelete tse lekaneng mothating o mong le o mong oa nts'etsopele ea eona: ho tloha ho qala ho fihlela kholong.

Lebaleng la lipapali qala, k'hamphani e hloka chelete ho nts'etsapele lits'ebetso tsa eona tsa mantlha, joalo ka ho theha lifeme, ho reka mechini, joalo-joalo.

Sethaleng sa Tsoelopele ea hae, e hloka thuso ea lichelete ho atolosa mesebetsi ea eona ea khoebo ka ho kena likhoebong tse kopanetsoeng le ho kopanya le ho reka le ka ho tšehetsa litlhoko tsa eona tsa lichelete.

Sehloohong sena, Ke le hlahisetsa BA BA ea corporate finance.

Corporate Finance ke eng?

Lichelete tsa khoebo li kenyelletsa liqeto tsa lichelete tseo mokhatlo o li etsang mesebetsing ea eona ea letsatsi le letsatsi ea khoebo. E ikemiselitse ho sebelisa chelete e fumanehang ho mokhatlo ho etsa chelete e ngata ha ka nako e le 'ngoe e fokotsa likotsi tsa liqeto tse itseng.

Kahoo, liqeto tsa khoebo tse amanang le qeto e amanang le ho tsebahatsa mehloli ea chelete bakeng sa lik'hamphani tse tšehetsang lichelete ke liqeto tsa lichelete tsa khoebo.

Lichelete tsa khoebo li sebetsana le mesebetsi eohle ea lichelete e hlokahalang ho tsamaisa khoebo. Ke mosebetsi oohle oa k'hamphani.

Lik'hamphaning tse kholoanyane, ho ne ho tla ba le lefapha la lichelete le etelletsoeng pele ke CFO le sehlopha sa litsebi tsa lichelete, tse neng li tla laola lichelete tsa k'hamphani.

Mesebetsi ea eona e kenyelletsa ho bolela esale pele, ho rera, ho khetholla sebopeho sa chelete, ho bokella lichelete tse lekaneng, ho rala leano la matsete, lipuisano tsa lichelete le liqeto tsa moralo oa likarohano.

Leha ho le joalo, khoebong e nyenyane, mohoebi a ka laola mosebetsi ona oa lichelete ka boeena.

Chelete e bolela eng?

Likarolong tsohle tsa bophelo ba rōna, re lokela ho tseba ho sebelisa chelete hantle. Sena ke seo re se bitsitseng lichelete tsa botho. Tabeng ea likhoebo, ho bohlokoa hore beng ba likhoebo ba ntlafatse le ho kenya ts'ebetsong mekhoa ea moralo ho netefatsa boteng ba khoebo nakong e tlang.

Batseteli ba lokela ho batla litefello le ho fumana meputso, ntle le ho ipeha kotsing e kholo.

Ho tsamaisa khoebo e atlehileng ho bolela ho sebelisa chelete eo u e sebelelitseng hamolemo. Ke ka lebaka leo beng ba liabo ba tlamehang ho fana ka lichelete tse lekaneng bakeng sa matsete, a nako e khuts'oane le e telele.

Tsela e 'ngoe ea ho eketsa phaello ea khoebo ke ka "tšebeliso e ntle" ea lisebelisoa tsa e mong, ke hore, mokhoa oa "matlafatso ". Mokhoa ona o nka hore lichelete tse alimiloeng li laoloa hantle 'me kahoo li sebetsa hantle ho feta tekano.

qetellong, ho fumana lichelete ke ho etsa inshorense mehloli ea lichelete e hlokahalang bakeng sa ho theha kapa ho sebetsa ha khoebo, mokhatlo, morero, joalo-joalo.

Boemo ba lichelete tsa khoebo

E 'ngoe ea lipheo tsa mantlha tsa lichelete tsa khoebo ke ho eketsa boleng ba ba nang le kabelo. Mosebetsi oa CFO ke ho etsa bonnete ba hore lichelete tse hlokahalang ho tsamaisa khoebo li teng.

Ntle le ho fana ka lichelete, lichelete tsa khamphani li sebetsana le ho kopanngoa, ho reka, le mesebetsi e amanang le eona e amang lichelete tsa k'hamphani. Tsamaiso ea merero, lekhetho, taolo ea phallo ea chelete ke tse ling tsa mesebetsi e meng ea khoebo ea lichelete.

Leha ho le joalo, mesebetsi ea mantlha ea lichelete tsa khoebo e kenyelletsa moralo oa lichelete, mokhatlo oa lichelete, matsete a lichelete fumaneng le ho tsamaiso ea lichelete.

Moralo oa lichelete

Ho rera ke mosebetsi oa bohlokoa oa lichelete tsa khoebo. Lintlha tsa bohlokoa li kenyelletsa chelete e hlokahalang, chelete e ka bokelloang ho tsoa mehloling e kantle, mehloli e teng bakeng sa ho bokella chelete, le hore na chelete eo e ka sebelisoa ka mokhoa o etsang phaello.

Haeba lichelete li reriloe hantle, joale ho tsamaisa khoebo ho ka ba bonolo.

Mokhatlo oa lichelete

Hang ha palo ea lichelete e hlokahalang e se e entsoe qeto, mosebetsi o latelang oa lichelete tsa koporasi ke ho bokella chelete. Mehloli e fapaneng ea lichelete tsa khoebo e kenyelletsa:

• Likalimo tse tsoang mekhatlong lichelete
• Lichelete tse tsoang ho venture capitalists
• Li-overdrafts tsa banka le likalimo tsa banka
• Amohela li-depositi ho tsoa ho sechaba
• Taba ea bond le likarolo
• Khoebo ea mokitlane ho tsoa ho bafani ba thepa
• Mekoloto ea matlo setšeng
• Ho hira kapa ho reka-ho reka
• Lithuso tse tsoang ho 'muso kapa mekhatlo e meng

Matsete a lichelete

Ha lichelete li se li le teng, li tlameha ho tseteloa khoebong. Sena se bitsoa the capital budgeting.

Ho na le lintlha tse peli mona: capital capital e tsitsitseng et chelete ea ho sebetsa. Chelete e tsitsitseng e bolela theko ea thepa e tsitsitseng joalo ka mobu, meaho le mechini.

Mosebetsi oa chelete o bolela chelete e sebelisetsoang mesebetsi ea letsatsi le letsatsi, ho reka thepa e tala, ho lefa rente le moputso, joalo-joalo. E fumanoa ka phapang pakeng tsa lisebelisoa tse tsitsitseng le thepa e tsitsitseng ea k'hamphani.

Tsamaiso ea lichelete

Tlhokomelo ea kamehla ea tšebeliso ea lichelete ke karolo ea bohlokoa ea ho laola lichelete khoebong. Joalo ka ha ho boletsoe ka holimo, ho phahamisa boleng ba ba nang le kabelo ke sepheo sa mantlha sa lichelete tsa khoebo.

Sengoloa se lokelang ho baloa: Tsohle ka lichelete tsa boitšoaro

Ka hona, ho netefatsa tšebeliso e nepahetseng ea lichelete, ho thibela litšila le tlhekefetso, le ho fumana phaello e ngata holima matsete ke ntho eo sehlopha sa lichelete se lokelang ho tsepamisa maikutlo ho eona.

Sena se boetse se kenyelletsa taolo ea likotsi. Ho na le lisebelisoa tse fapaneng tse kenyelletsang software e ka sebelisoang ho laola lichelete ka katleho.

Ke hobane'ng ha lichelete tsa khoebo li le bohlokoa hakaale?

Mabaka a etsang hore lichelete tsa khoebo e be tsa bohlokoa ke:

• Ea pele, e thusa ho etsa liqeto. Qeto leha e le efe e nkiloeng e tlameha ho ela hloko boteng ba lichelete.
• Lipakane tsa mokhatlo, ebang ke tsa nakoana kapa tse telele, li na le hloka chelete. Ebang ke phaello, kholo ea bareki; lichelete lia hlokahala ho finyella lipakane
• Joale, e lumella ho phahamisa chelete e hlokahalang bakeng sa ts'ebetso ea k'hamphani.
• Qetellong, lichelete lia hlokahala bakeng sa katoloso ea khoebo, mefuta-futa, joalo-joalo.

Ntle le chelete, khoebo e ke ke ea sebetsa. Ho rera lichelete, ho bokella lichelete, ho li tsamaisa le ho li laola ka katleho ke mesebetsi ea lichelete tsa koporasi.

Khoebo ea mantlha ea lichelete tsa khoebo ke efe?

Ena ke potso eo bahlahlobisisi ba bangata le li-tycoon tsa likhoebo ba li botsang. Lichelete tsa khoebo li bolela karolo ea khoebo ea mokhatlo ofe kapa ofe. Mona ke moo litšenyehelo li sebelisoang ho etsa phaello.

E boetse e kenyelletsa matlotlo a mangata a khoebo le chelete e sebelisoang e le tebeletso bakeng sa likalimo le litšebelisano tse ling.

Lichelete ke bophelo ba khoebo efe kapa efe. E ka nkoa e le tsamaiso ea likarolo tse 'nè: lichelete tsa botho, tekanyetso ea lichelete, tsamaiso ea lichelete tse sebetsang, le moralo oa moralo oa lichelete. Likarolo tsena kaofela ke likaroloana tsa ts'ebetso ea khoebo.

Katleho ea khoebo e itšetlehile ka hore na e sebelisa lisebelisoa tsa eona joang. Empa khoebo ea mantlha ea lichelete tsa khoebo ke efe? Potso ena e bohlokoa hobane e re thusa ho utloisisa mesebetsi ea lichelete ea khoebo efe kapa efe.

Sebaka sa mantlha sa lichelete tsa khoebo se ka aroloa ka bophara likarolo tse peli, lichelete tsa mabenkele le mesebetsi ea khoebo ea lichelete. Retail financing e bolela lichelete tse sirelelitsoeng ke thepa ea ba alimang joalo ka matlo, mobu le thepa e entsoeng.

Mesebetsi ea khoebo ea lichelete e kenyelletsa ho kopanya le ho reka, likhoebo tse kopanetsoeng le beng ba franchise. Kamano ea khoebo le khoebo e boetse e kenyelletsa likalimo tsa li-inter-brand, tsamaiso ea li-portfolio le inshorense ea botlamuoa.

Ka hona, re fumana mesebetsi ea lichelete e etsoang ke libanka, lik'hamphani tsa lichelete, barekisi, barekisi, bahoebi le bareki ba lisebelisoa tsa lichelete tse etsang mesebetsi ena ea lichelete.

Lithahasello tsa lichelete tsa khoebo

Lichelete tsa khoebo li shebane le mefuta e mene ea liqeto:

• Liqeto tsa matsete, e amanang le thuto ea matlotlo a sebele (a bonahalang kapa a sa bonahaleng) ao k'hamphani e tlamehang ho tsetela ho eona.
• La khetho ea lichelete, ba ithutelang ho fumana chelete (ho tsoa ho bo-ramatsete ba fumanang matlotlo a lichelete a fanoeng ke khamphani) e le hore k'hamphani e ka fumana thepa eo e entseng qeto ea ho tsetela ho eona.
• Liqeto tsa karohano e tlameha ho leka-lekanya likarolo tsa bohlokoa tsa setheo. Ka lehlakoreng le leng, e bolela moputso oa chelete ea sechaba 'me ka lehlakoreng le leng e bolela ho amoha k'hamphani ea lichelete tsa lichelete.
• liqeto tsa tsamaiso, tse amang liqeto tsa letsatsi le letsatsi tsa tšebetso le lichelete.

Ho qala ka sepheo sa mantlha sa lichelete tsa koporasi, e leng ho holisa boleng kapa leruo bakeng sa beng ba liabo, e 'ngoe ea lipotso tsa mantlha e shebana le ho lekanya tlatsetso ea qeto e itseng ho boleng ba beng ba kabelo. Ho araba potso ena, ho entsoe mekhoa ea tlhahlobo ea thepa kapa ea boleng.

Lichelete tsa Khoebo vs Accounting

Ho fapana le accounting, e batlang ho bonahatsa, ka botšepehi kamoo ho ka khonehang, ts'ebetso ea k'hamphani; lichelete li shebana le bokamoso ba eona, empa ka thuto ea boleng.

Na lichelete tsa khoebo lia hlokahala? Karabo ke e. Mona ke melemo e meng ea ts'ebetso ena:

• E thusa ho thibela liphello
• Utloisisa maemo a lichelete hamolemo
• E lebisa liqetong tse ntle tsa batseteli
• Lichelete tsa khoebo li emela khakanyo ea 'nete ea k'hamphani
• E fana ka data bakeng sa ponelopele ea khoebo le taolo

Sepheo sa bohlokoa ka ho fetisisa sa batsamaisi ba k'hamphani ke ho hlahisa boleng bo phahameng ka ho fetisisa bo ka khonehang, ke ho re, ho phahamisa k'hamphani le ho feta. Ha capital invested e hlahisa sekhahla sa pusetso e kholo ho feta litšenyehelo tsa eona, joale boleng bo hlahisoa.

Likhopolo tsa bohlokoa tsa lichelete tsa khoebo

Bothata bo pakeng tsa kotsi le ho khutla

Licheleteng tsa khoebo, ha motjhelete a lebelletse phaello e ngata, o ikemiselitse ho ipeha kotsing. Batseteli ha ba na kotsi, ke hore, bakeng sa boemo bo itseng ba kotsi, ba batla ho eketsa phaello.

E leng se ka utloisisoang hape e le boemo bo fanoeng ba ho khutla, ba batla ho fokotsa kotsi.

Boleng ba chelete ka nako

Ho molemo ho ba le chelete e ngata hona joale ho feta ho ba le nako e tlang. Mong'a mohloli oa lichelete o tlameha ho lefuoa ho hong ho etsa ntle le mohloli ona.

Tabeng ea saver, ke eona sekhahla sa phaello. Tabeng ea motseteli, ke sekhahla sa ho khutla kapa chai.

Bothata bo lipakeng tsa ho hloka chelete le tlhoko ea ho tsetela

Chelete e hlokahala bakeng sa mosebetsi oa letsatsi le letsatsi (chelete ea ho sebetsa) empa ka litšenyehelo tsa ho tela matsete a phahameng.

Litšenyehelo tsa monyetla

Nahana hore kamehla ho na le likhetho tse 'maloa tsa lichelete. Theko ea monyetla ke sekhahla sa ho khutlisa mekhoa e meng e molemohali ea matsete e fumanehang.

Ena ke phaello e phahameng ka ho fetisisa e ke keng ea fumanoa haeba lichelete li behiloe morerong o itseng ha li fumanehe.

E ka boela ea nkoa e le tahlehelo eo motho a itokiselitseng ho e nahana, ka ho se khethe khetho e emelang tšebeliso e ntle ka ho fetisisa ea chelete.

Chelete e nepahetseng

Matsete a nako e telele a tlameha ho tšehetsoa ka lichelete tsa nako e telele, joalo ka ha matsete a nako e khuts'oane a tlameha ho tšehetsoa ka lichelete tsa nako e khuts'oane.

Ka mantsoe a mang, matsete a tlameha ho tsamaisana le lichelete tse lekaneng bakeng sa morero.

Boikemisetso (ts'ebeliso ea mokoloto)

Tšebeliso e nepahetseng ea chelete e fumanoang ka likoloto e sebeletsa ho eketsa phaello ea k'hamphani kapa motseteli.

Motjhelete ea amohelang chelete e alimang 15%, mohlala, 'me e li tlisa k'hamphaning e lefang 20% ​​ka khopolo, e eketsa phaello ea eona ka tšebeliso e ntle ea lisebelisoa tsa e mong.

Leha ho le joalo, boemo ba kotsi ba matsete bo boetse bo eketsa matsete, a tloaelehileng a boikoetliso ba ho etsisa lichelete kapa likhakanyo tsa lichelete.

Phapang e atlehang

Motseteletsi ea bohlale o fapanyetsana matsete a hae kaofela ka ho hasa matsete a hae har'a matsete a 'maloa a fapaneng. Phapang e na le phello ea ho jala kotsi 'me kahoo e fokotsa kotsi ka kakaretso.

Ka kakaretso…

Lichelete tsa khoebo ke karolo ea lichelete joalo ka lichelete tsa botho et lichelete tsa sechaba. E shebana le kamoo lik'hamphani li ka thehang le ho boloka boleng ka tšebeliso e nepahetseng ea mehloli ea lichelete.

Ke mokhoa oa tsamaiso oa ts'ebetso ea lichelete tsa lichelete.

Ka mokhoa o ts'oanang, e batla ho eketsa boleng ba beng ba liabo kapa beng ba eona. E 'ngoe ea lipotso tsa mantlha tsa lichelete tsa koporasi e mabapi le tekanyo ea tlatsetso ea qeto e itseng ho boleng ba beng ba kabelo. Tekanyetso ea thepa (accounting) kapa mekhoa ea ho lekanya thepa e entsoe.

Haeba u na le bothata ba ho laola lichelete tsa hau hantle, tseba hore re na le koetliso ea pele e u lumellang ho boloka chelete hantle, ho fokotsa litšenyehelo, ho etsa matsete a matle kapa ho tseba ho itokisetsa ho tlohela mosebetsi le ha moputso oa hau o le tlase.

U ka reka koetliso ea rona ho Master lichelete tsa hau Volume 1

Bakeng sa matshwenyeho afe kapa afe, o seke oa qeaqea ho iteanya le rona