Uyilawula njani imali yakho ngokufanelekileyo?

Ukulawula ukuhamba kwemali yakho yindlela ebuthathaka. Ulawulo lwemali lubandakanya zonke izigqibo, imithetho kunye neenkqubo eziqinisekisa ngezona ndleko ziphantsi ukugcinwa kwebhalansi yemali ekhawulezileyo yenkampani. Eyona njongo yayo iphambili kuku ukuthintela umngcipheko wokuyeka intlawulo. Okwesibini kukuphucula iziphumo zemali (imveliso yokugqibela - iintlawulo zokuphela).

Ngokufutshane, Finance de Demain Kweli nqaku uya kufumanisa indlela yokulawula ukuhamba kwemali yakho ngokufanelekileyo. Nako sisiya!!!

Ukungena kwemali kwezemali

Imali ibandakanya konke ukusetyenzwa kunye nokufumaneka okufikeleleka ngokukhawuleza kumbutho. Imele amandla emali exeshana elifutshane, okuquka imali ekhoyo, ibhalansi yeakhawunti yebhanki ekhoyo ngoku, kunye notyalo-mali olunokuthi luhlanganiswe ngokukhawuleza. Le ngcamango idlula ngaphaya kokulula "i-akhawunti yebhanki" kuba idlala indima ebalulekileyo kwimpilo yezemali kunye nozinzo lwenkampani. Ulawulo lwemali lufuna ukuqonda ngokucokisekileyo ukuhamba kwemali kunye nombono ocacileyo weemfuno zexesha elifutshane zombutho.

Ulwakhiwo lwe-treasury lunezinto ezininzi ezahlukileyo kodwa ezinxibeleleneyo. Okokuqala nokuphambili yimali, equka imali ekhoyo ngokoqobo kwishishini kunye neebhalansi zebhanki ezifumaneka ngokukhawuleza. Kongezwa koku zizibambiso ezithengiswayo, ezenza uvimba wokuhlawula amatyala oqokelelwa lula.

I-ovadrafti yebhanki, nangona imele ukungena nokuphuma kwemali okubi, nayo iyinxalenye yolu luhlu. akhawunti Associates 'yangoku kunye nezixhobo ezahlukeneyo unondyebo ezifana Ii-SICAVs zemali gqibezela le seti.

Ukubaluleka kobuchule kulawulo lweshishini

Ukubaluleka kobuchule bokuhamba kwemali akunakujongelwa phantsi kulawulo lweshishini. Idlala indima ebalulekileyo ekuqinisekiseni ukusebenza kwemihla ngemihla kombutho ngokuhlawulwa kweendleko zangoku, nokuba yimivuzo, ababoneleli okanye iimfanelo ezahlukeneyo zerhafu. Ngaphaya kwalo msebenzi wokusebenza, ubandakanya isixhasi sobuchule sokwenyani ngokunika amandla okuhlutha amathuba otyalo-mali nangokusebenza njengento eyothusayo xa kujongwe iingozi zoqoqosho.

Ulawulo lwemali yemihla ngemihla lufuna indlela engqongqo nengqongqo. Ibandakanya ukubekwa esweni okuthe gqolo kokuqukuqela okungenayo nokuphumayo, ulindelo oluchanekileyo lweemfuno zexesha elizayo kunye nokwandisa intsalela yethutyana. Olu lawulo luxhomekeke kwizixhobo ezithile ezifana noqikelelo lwezicwangciso zokungena nokuphuma kwemali, iideshibhodi zokubeka iliso kunye nohlahlo lwabiwo-mali lokungena kwemali. Ulawulo olusebenzayo lukwafuna ulungelelwaniso olusondeleyo kunye namasebe ahlukeneyo enkampani ukuze lindela iimfuno kunye nokwandisa ukuhamba.

Ingqikelelo yesambuku yemali eyimali imele umqondiso ongundoqo wempilo yezemali yenkampani. Ibalwa ngokuthabatha amatyala akhoyo kwii-asethi zangoku, ngaloo ndlela inika umfanekiso ocacileyo wemeko yemali yokwenyani kwixesha elifutshane. Olu hlahlelo lwenza kube lula ukuvavanya ukukwazi kwenkampani ukuhlangabezana nezibophelelo zayo zangoku kunye nokugcina umsebenzi wayo ngaphandle kokubhenela kwinkxaso-mali yangaphandle enexabiso eliphezulu.

Impembelelo ekusebenzeni kwemali

Ifuthe lokuqukuqela kwemali ekusetyenzisweni kwemali lilonke linamacandelo amaninzi. Ukungena kakuhle kwemali kubonisa impilo entle yezemali kwaye komeleza ukuzithemba kwamaqabane ezoqoqosho. Ngokwahlukileyo, ukuhamba kwemali okungalunganga kunokubonisa ubunzima besakhiwo kunye nokubeka esichengeni amandla enkampani okukhula. Ulawulo lwemali lunempembelelo ngokuthe ngqo kwingeniso ngokulungiswa kweendleko zemali kunye nokukwazi ukuthethathethana namahlakani ezoshishino.

Izixhobo zale mihla zolawulo lwemali ziye zavela kakhulu ngokufika kobuchwepheshe bedijithali. Izisombululo zolawulo lwemali ezibonelelwa ziibhanki, isoftware ekhethekileyo yolawulo lwemali kunye namaqonga okuhlawula nge-elektroniki ngoku abonelela ngeendlela eziphucukileyo zokuphucula ulawulo lokuqukuqela kwemali. Ezi zixhobo zivumela umbono wexesha lokwenyani lwendawo yemali kwaye ziququzelele ukuthatha isigqibo esikhawulezayo.

Kubandakanya ntoni ukulawula ukuhamba kwakho kwemali? ?

Uyilawula njani imali yakho ngokufanelekileyo? Ukulawula ukungena nokuphuma kwemali kuthetha ukumisela ibhalansi yokuhamba kwemali. Oko kukuthi, ukuqinisekisa ukulingana phakathi eziphumayo nezingenayo. Umsebenzi kanondyebo wanamhlanje udibanisa ulawulo lomngcipheko oluguquguqukayo, olubangelwa kukwanda kokungaqiniseki kweemarike, ngaphandle koko akunakubakho ulawulo lokwenyani lomgaqo-nkqubo wezezimali.

Undoqo womsebenzi kanondyebo kulawulo lwemali usuku lwexabiso. Injongo yayo kukunciphisa iindleko zemali okanye ukwandisa iimveliso zemali ngokuxhomekeke kwimeko yenkampani. Umgaqo osisiseko wolawulo lwemali ngomhla wexabiso obizwa ngokuba "Umthetho wemali yero".

Ibandakanya ukuphepha ibhalansi yemali encumisayo, inzala ephantsi okanye iibhalansi zedebhithi ezikhokelela kwiindleko zemali. Ngaloo ndlela, kwiibhalansi zekhredithi kukho a ithuba liyabiza. Ilingana nomahluko kwireyithi phakathi kotyalo-mali obekunokuxoxwa ngalo kunye nomvuzo osisiseko weakhawunti. Kwimali eseleyo yedebhithi, kukho a iindleko ezicacileyo.

Ilingana nomahluko kumaxabiso phakathi kwe-ovadrafti kunye nenkxaso-mali engabizi kakhulu. Ulawulo oluqukuqelayo luhambelana nombono wemveli womsebenzi kanondyebo. Ijolise ekusetyenzweni kweerisithi zemali kunye nokukhutshwa kwayo. Ikwanomdla wokuhamba kwemali ngaphakathi kweqela okanye inkampani.

Ngombulelo kuphuhliso lweenkqubo zekhompyuter, ihlala izenzekelayo. IT ibonelela ngamashishini isixhobo esibalulekileyo kulawulo lwemali. I-automation yokubala izisa isantya, ukuthembeka kunye nokuguquguquka ekusekeni uqikelelo.

Inqaku eliza kufundwa: Konke malunga neShadow Banking

Indlela yolawulo lwemali olusebenzayo

La ulawulo lwemali imele intsika esisiseko ekusebenzeni kwawo nawuphi na umbutho. Iquka zonke iindlela zobuchule kunye nobuchule obujolise ekwandiseni isikhundla sokuhlawula amatyala enkampani. Ukubaluleka kwayo kubalulekile kuba iqinisekisa uzinzo lwenkampani ngokuqinisekisa amandla ayo okuhlonipha izibophelelo zayo zemali ngelixa. ukwandisa imbuyekezo yentsalela. Lo msebenzi ubandakanya ukujonga rhoqo ukuhamba kwemali, ukulindela iimfuno kunye nolungelelwaniso olusondeleyo phakathi kwamasebe ahlukeneyo enkampani.

Ulawulo lwemali olusebenzayo alupheleli nje ekubeni negalelo kwimpilo yezemali yombutho kodwa lukwabandakanya inzuzo ekhuphisanayo ngokwenza kube nokwenzeka ukubamba utyalo-mali kunye namathuba ophuhliso avelayo. Ifuna ukuqondwa ngokucokisekileyo kwemijikelo yokusebenza kunye nobuchule bezixhobo zemali ezikhoyo.

Kwimeko yoqoqosho eyandayo inzima ngakumbi kwaye iyaguquguquka, ulawulo lwekheshi ludlala indima ebalulekileyo ngokusebenza njengomlinganiselo wempilo yemali yenkampani nangokunika isikhokelo kwizigqibo zolawulo.

Ukuseka uqikelelo lokuhamba kwemali

Ukuseka uqikelelo oluchanekileyo lokungena nokuphuma kwemali kwenza isiseko solawulo olusebenzayo. Eli nyathelo lifuna uhlalutyo olucacileyo lokungena nokuphuma kwemali okuqikelelwayo. Iqala ngokuchongwa ngokupheleleyo kwazo zonke imithombo yengeniso kunye nenkcitho : ukuqokelelwa kwabathengi, iintlawulo zababoneleli, imivuzo, iintlawulo zentlalo kunye nerhafu, ukubuyiswa kwemali mboleko, utyalo-mali olucwangcisiweyo.

Ukwakhiwa kwezi ziqikelelo kuqhutywa ngokweengqikelelo zamaxesha ahlukeneyo: ixesha elifutshane (uhlolo lwemihla ngemihla nangeveki), ixesha eliphakathi (uqikelelo lwenyanga) kunye nexesha elide (uqikelelo lonyaka). Ukusetyenziswa kwezixhobo zekhompyutha ezikhethekileyo kuququzelela ukuqulunqwa kunye nohlalutyo lwedatha yembali ukuseka uqikelelo oluthembekileyo.

Olu qikelelo lwengqikelelo kufuneka luhlaziywe rhoqo ngokusekwe kwimpumelelo nakwizinto ezintsha ezinefuthe lokungena nokuphuma kwemali. Kufuneka kunikwe ingqwalasela eyodwa kwiiyantlukwano zamaxesha onyaka kunye neziganeko ezingaqhelekanga ezinokuchaphazela kakhulu ukuhamba kwemali.

Ukuphucula ukuhamba kwemali

Ukunyuswa kwengqokelela kubonisa eyona nto iphambili yokuphucula imeko yemali. Le ndlela ibandakanya ukuphunyezwa kwe-invoyisi engqongqo kunye neenkqubo zokuqokelela. Iqala ngokusekwa ngokukhawuleza nangokuchanekileyo kwee-invoyisi ekuhanjisweni kwempahla okanye iinkonzo.

Imigaqo yentlawulo mayicaciswe gca kwaye kumiselwe iinkqubo zokukhumbuza ngeentlawulo kade. Ukwamkela iindlela zangoku zokuhlawula ezifana ne-debit ngqo okanye izisombululo zokuhlawula kwi-intanethi kunokukhawulezisa kakhulu ukuqokelelwa. Ukubekwa esweni rhoqo kwamaxesha amisiweyo omthengi (I-DSO-Iintsuku zoThengiso ziBalaseleyo) yenza kube lula ukuchonga iindawo ekufuneka ziphuculwe.

Uthethathethwano ngemigaqo yokuhlawula enenzuzo kunye nabathengi abanobuchule ngelixa ugcina ubudlelwane borhwebo kufuna ibhalansi ethambileyo. Izisombululo zenkxaso-mali ezifana ne-factoring nazo zinokuqwalaselwa ukukhawulezisa ukungena kwemali.

Ulawulo lwembuyekezo ngobuchule

Ulawulo lwembuyekezo lufuna indlela yobuchule ejolise ekwandiseni ukuphuma kwemali ngaphandle kokubeka esichengeni ubudlelwane namaqabane oshishino. Oku kubandakanya uthethathethwano olunobuchule lwemiqathango yentlawulo yomthengisi ngelixa kuhlonitshwa imida esemthethweni, efana nomthetho we-LME eFransi. Isicwangciso sotyalo-mali kufuneka silungelelaniswe namandla emali yeshishini kwaye kunokufuna ukumiselwa ngokwezigaba.

Ukukhethwa kweendlela zokuhlawula kufuneka kuthathelwe ingqalelo iindleko zokuthengiselana kunye namaxesha okucubungula. Kufuneka kunikwe ingqwalasela eyodwa ekufakweni ndawonye kweentlawulo ukuze kuphuculwe ulawulo lokuqukuqela kweentlawulo. Ukuseka ishedyuli echanekileyo yokukhutshwa kweemali ezinkulu kunceda ukuphepha izinto ezothusayo kunye nokugcina ibhalansi yemali eyiyeyona ilungileyo. Ukuphunyezwa kwemigaqo yokuqinisekisa intlawulo kuqinisekisa ulawulo olusebenzayo lokuphuma kwemali.

Ukuphunyezwa kwezixhobo zokubeka iliso kunye nokulawula

Ulawulo olusebenzayo lokungena nokuphuma kwemali lufuna ukuphunyezwaizixhobo zokulandela umkhondo esebenzayo kwaye ilungelelaniswe nobukhulu bombutho. Iideshibhodi zemihla ngemihla kufuneka zibonise umbono ocacileyo wezikhundla zebhanki kunye nokuhamba kwemali. Iingxelo zokubek'esweni kufuneka zibandakanye izalathi ezingundoqo ezifana nebhalansi yemali, ukutenxa kuqikelelo lwengqikelelo, ixesha elibekiweyo lokuhlawula umthengi kunye nomthengisi.

Ukusetyenziswa kwesoftware ekhethekileyo kwenza kube lula ukuqokelela idatha yebhanki kunye nokuveliswa kweengxelo. Ezi zixhobo zikwakwenza kube lula ukubona izinto ezingaqhelekanga kunye nokulawula izilumkiso. Inkqubo yokunika ingxelo rhoqo kufuneka isekwe ukwazisa ulawulo lophuhliso olubalulekileyo kunye neengozi ezinokubakho. Ukuphunyezwa kweenkqubo zolawulo lwangaphakathi kuqinisekisa ukuthembeka kolwazi kunye nokhuseleko lwemisebenzi kanondyebo.

Ulawulo lobudlelwane bebhanki

Ulawulo olululo lobudlelwane bebhanki luyinxalenye engundoqo yeqhinga likanondyebo. Ibandakanya ukugcinwa kwengxoxo rhoqo kunye neselubala kunye namaqabane ebhanki. Uthethathethwano ngeemeko zebhanki kufuneka lufikelele zonke iinkonzo ezisetyenziswayo: ikhomishini kwimisebenzi, inzala, imigca yetyala, izisombululo zolawulo lwemali.

Ukwahluka kobudlelwane beebhanki kwenza kube nokwenzeka ukunciphisa imingcipheko yokuxhomekeka ngelixa uzuza kwezona meko zingcono zemarike. Umgangatho wolwazi lwezemali olunikezelwa kwiibhanki luchaphazela ngokuthe ngqo imbono yabo yomngcipheko kwaye ngoko ke iimeko ezinikezelweyo.

Iintlanganiso zamaxesha athile kunye nabaphathi beshishini zinceda ukugcina ubudlelwane bokuthembana kunye nokulindela iimfuno zemali zexesha elizayo. Ukubeka iliso okusebenzayo kwezisombululo ezitsha zebhanki kunceda ukuqhubekeka kunyuswa ulawulo lwemali.

Isiphelo kunye nokugada okusisigxina

Ulawulo lwemali olusebenzayo lufuna ukuqapha rhoqo kunye nokukwazi ukulungelelanisa utshintsho kwimeko yezoqoqosho. Isekelwe ekubandakanyweni kwabo bonke abachaphazelekayo kwinkampani kwaye ifuna ulungelelwaniso olusondeleyo phakathi kwamasebe emali, ezorhwebo nawokusebenza. Impumelelo yolu lawulo ixhomekeke kumgangatho woqikelelo, ekuphenduleni ukutenxa okuqatshelweyo kunye nokufaneleka kwamanyathelo okulungisa aphunyeziweyo.

Ukusetyenziswa okukhulayo kobuchwepheshe bedijithali kunika amathuba amatsha okuphucula kodwa kufuna ukuhlaziywa rhoqo kwezakhono. Kwimeko yezoqoqosho engaqinisekanga, ulawulo lokuhamba kwemali luba yinzuzo enkulu yokhuphiswano kunye nomba ophambili kuzinzo lwenkampani. Indlela esebenzayo necwangcisiweyo yolawulo lwemali ayigcini nje ngokukhusela okwangoku kodwa ilungiselela ikamva.

Kukuwe ukuba udlale, wabelane, uthande kwaye usinike uluvo lwakho kwiikhomenti.