Kungani ukuphathwa kwamabhange kumele kuqine?

Kungani ukuphathwa kwamabhange kumele kuqine? Lo mbuzo uwukukhathazeka okuyinhloko esikuhlakulelayo kulesi sihloko. Ngaphambi kwanoma iyiphi intuthuko, ngithanda ukukukhumbuza ukuthi amabhange anjalo izinkampani ezigcwele. Ngokungafani nezinkampani zendabuko, zithola amadiphozithi kumakhasimende azo kanye nezibonelelo ngendlela yemalimboleko. Ngaphezu kwalokho, babhekana nababambe iqhaza abaningi (amakhasimende, abaninimasheya, amanye amabhange, njll..).

Lesi sixuku sababambe iqhaza kwandisa ubudlelwano be-ejensi ngakho-ke izingxabano zama-ejensi. Ngakho-ke kuvela kulo mzuzu oqondile lapho ukubusa kungenelela khona ukunciphisa izingxabano zama-ejensi ngaphakathi kwezinkampani.

Kulesi sihloko ngethula kuwe izinselelo ezinkulu ze ukubusa kwamabhange. Ngamanye amazwi, Finance de Demain ngikutshele ukuthi kungani ukubusa kwamabhange kumele kuqine.

Asambe !!

🌿 Kuyini ukuphathwa kwebhizinisi?

Isengezo nokubusa isho indlela ibhizinisi lenkampani elenziwa ngayo. Enkampanini, ukuphathwa kwebhizinisi kusho ukucabangela izintshisekelo zababambe iqhaza ohlelweni lokuthatha izinqumo.

Ngakho, ukubusa okuhle kuzoqinisekisa inqubo esimeme nephumelelayo yokudala amanani awo wonke umuntu. Eqinisweni, kubalulekile ukukhumbula ukuthi ukubusa kwebhizinisi kuthola incazelo yakho kusukela ngesikhathi lapho izintshisekelo zababambe iqhaza zehluka.

Inkampani ingaphezu kwakho konke a i-contract node » okuhlanganisa abaphathi, abasebenzi kanye nabatshalizimali bezezimali. Kulokhu kukhona ukungqubuzana ngokwemvelo phakathi kwalaba maqembu enkontileka.

Izingxabano zingaphikisa noma ngabe abaninimasheya kubaphathi, abaninimasheya phakathi kwabo (idlanzana uma liqhathaniswa neningi), noma abakweletwayo bezezimali (amabhange kanye nabanikazi bamabhondi ikakhulukazi) kubaninimasheya.

Emabhange, lezi zingxabano ziya ngokuya zigqama ngenxa yokuthi kunezinhlobo ezimbalwa zobudlelwano be-ejensi. Isibonelo, sinobudlelwano be-ejensi obulandelayo: abaphathi/abaninimasheya, ibhange/amaklayenti, abaninimasheya/amaklayenti.

La ukubusa kwamabhange kumele ibhekele izindaba zamandla, ukulawula, ukubeka izinto obala, ukuphathwa kwezimali kanye nokuba semthethweni kwesikhungo.

Kuthinta kokubili izindaba zokungqubuzana kwezintshisekelo phakathi kwababambe iqhaza nalabo abahlobene nokugcina ukwethembana phakathi kwabo.

I-athikili okufanele ifundwe: Yiziphi izingozi zamabhange amaSulumane?

Amabhange kumele akwazi ukuhlola ubungozi obukhona emisebenzini yabo, futhi lokhu, ikakhulukazi esimweni sokukhula noma sokuncintisana. Lokhu kuphinde kudinga ulwazi lwamabhange kanye nezezimali ebhodini.

Ukwengeza, amabhange kufanele afune ukulinganisa imigomo yezenhlalakahle nemigomo yezezimali ukuze enelise ababambiqhaza bawo abaningi.

🌿 Imininingwane yamabhange uma iqhathaniswa nezinye izinkampani

Izinkampani zamabhange zinezimpawu zazo. Imininingwane yamabhange ilele emsebenzini wawo, ukuba khona kwezindleko zokuthengiselana, ukubaluleka kokuhlukahluka kobungozi, izinga lokubaluleka kokuqamba okusha ezingeni kanye nasezingeni lokulawula.

Eqinisweni, izinto ezimbalwa zithethelela intshisekelo yohlelo lokuphatha oluqinile phakathi kwamabhange.

✔️ Ubunjalo bemisebenzi yasebhange

Ibhange lidlala indima yokulamula kwezezimali phakathi kwama-ejenti ezomnotho. Iqoqa amadiphozithi amakhasimende ayo ukuze iwabuyisele amanye amakhasimende futhi ngaleyo ndlela idale imali.

Kulokhu, isebenzisa imali yayo ukuvikela ukuthengiselana ekwenza njengokuphindaphinda kwakho. Inomsebenzi we-fiduciary ubhekene namakhasimende ayo kanye nomsebenzi wokuphepha ngokubhekene nabanikazi bamasheya bayo, amaklayenti kanye nemakethe.

Ngakho-ke umsebenzi webhange udinga i-solvency unomphela kanye ne-liquidity. Lesi yisizathu sokuqala sokuthi kungani ukuphatha kwamabhange kumele kuqine ngaphakathi kwamabhange.

✔️ Ukubaluleka kokuhlukahluka kwengozi

Amabhange, ngokungafani nezinkampani zendabuko, abhekana nezingozi eziningi. Lokhu kufaka phakathi ingcuphe ye-liquidity, ingcuphe yabanye, njll.

Ngenxa yalesi sizathu kubalulekile ukufeza ukuhlukahluka kwengozi ngoba awuwabeki wonke amaqanda akho kubhasikidi owodwa. Lokhu kuhlukahluka kuhlanganisa ukukhetha a inhlanganisela yokutshala izimali ezahlukene ukunciphisa ubungozi obuhambisana nephothifoliyo yakho.

Ngokombono, ukuhlukahluka kukuvumela ukuthi wehlise ubungozi kuphothifoliyo yakho ngaphandle kokudela imbuyiselo engaba khona. Iphothifoliyo esebenza kahle yenza imbuyiselo ethile ingozi ephansi kakhulu engenzeka.

Uma iphothifoliyo yakho isihluke ngokuphelele, udinga ukuthatha ubungozi obungeziwe ukuze wandise imbuyiselo yayo engaba khona.

Ukwehlukanisa ngempumelelo iphothifoliyo yakho kudinga ukuhlanganiswa okungcono kwemisebenzi ebhange. Lesi yisizathu sesibili sokuthi kungani ukuphatha kwamabhange kumele kuqine.

✔️ Izinga lokubaluleka kokusungula ebhange

Ukuqanjwa kabusha kubhekisela ekusetshenzisweni kwezinhlanganisela ezintsha. Kungase kuthinte ukwenziwa kwezinto ezintsha ezinhle, ukwethulwa kwendlela entsha yokukhiqiza, ukuvulwa kwendawo entsha yokuphuma; ukunqotshwa komthombo omusha wezinto ezingavuthiwe noma imikhiqizo…

Eminyakeni yamuva nje, amabhange asephendukela ekuvuleni emisha. NgokukaChesbrough (2003), le modeli yokusungula esekelwe ezindleleni zobambiswano ekuqaleni yahlolwa amafemu okungezona ezezimali.

Lolu hlobo lokusungula lusekelwe ekubambisaneni phakathi kwebhange nozakwethu balo.

Isihloko esizofundwa: Yiziphi izingozi zamabhange amaSulumane?

Okokugcina, ukusungula izinto ezintsha kuyisidingo esibalulekile samabhange afuna ukuhlala enokuncintisana. Ngokuvumelana ne UMadan noSoubra (1991) ukusungula izinto ezintsha kuvumela amabhange ukuthi andise inzuzo yawo ngokunciphisa izindleko zokuthengiselana, ucwaningo kanye nokumaketha.

Ngesikhathi senhlekelele njengamanje nge-COVID19, ukusungulwa kwamabhange kunikeza izinzuzo zokuncintisana kumabhange athile. Ukuze ukuqaliswa kwenzeke, konke kuncike ohlelweni lokuphatha olusetshenziswa enkampanini.

Ngakho-ke, ukubusa okuhle kungadala inzuzo eyengeziwe kubo bonke. Lesi yisizathu sesithathu esichaza isidingo sokubusa okuqinile kwamabhange.

✔️ Kungani ukuphatha kwamabhange kumele kuqine? Ibhange liyimpambano yezinhlaka eziningana

Ngokungafani nezinkampani zendabuko, amabhange ahlanganisa inqwaba yababambe iqhaza okumele ukubuswa kwabo kubhekelelwe.

Ababambiqhaza yibo bonke abantu bemvelo noma abasemthethweni abathintekayo futhi abangaba nomthelela ezinqumweni zenkampani. Bangaba ngaphakathi noma ngaphandle ebhange.

I-athikili okufanele ifundwe: Konke mayelana nemakethe yamasheya

Ababambe iqhaza bangaphakathi bayingxenye yabasebenzi bebhange (abaphathi, abasebenzi, njll.). Mayelana nababambiqhaza bangaphandle, sinabo: amabhange angaphansi, amakhasimende, abahlinzeki, njll.

Ababambe iqhaza abakhuthele babamba iqhaza ezinqumweni zebhange kuyilapho ababambiqhaza abangenzi lutho bengaphansi kwezinqumo zebhange. Isisindo sombambiqhaza ngamunye sinemiphumela ekuphathweni kwebhizinisi.

Ababambe iqhaza abakhuthele bazothambekela ekubekeni phambili izintshisekelo zabo kunezabanye.

Les iningi labanikazi bamasheya isibonelo bazofuna ukuphoqelela intando yabo ekulimazeni abaninimasheya abambalwa. Kulo mqondo, ibhange libhekene nezingxabano eziningi ze-ejensi.

Hhayi kuphela nabalingani bangaphakathi, kodwa futhi nabalingani bangaphandle. Lesi simo sigqame nakakhulu emabhange amaSulumane.

I-athikili okufanele ifundwe: Amasu Angcono Kakhulu Ezezimali Asebenza Ngokuphumelelayo

Ukubhekana nazo zonke lezi zinkinga, kufanele kumiswe uhlaka lokuphatha olufanele. Lesi yisizathu sesine sokuthi kungani ukuphatha kwamabhange kumele kuqine.

🌿 Indlela yokunciphisa izingxabano zenzuzo emabhange?

Kulokhu esisanda kukusho, kuyacaca ukuthi ukuphathwa kwamabhange kumele kubhekane nezinhlobo ezimbalwa zokungqubuzana kwezinzuzo. Ukwenza lo msebenzi, ukuphatha kwamabhange kunenqwaba yezindlela ezaziwa ngokuthi izindlela zokuphatha.

Ngokwe-etymologically, umshini uhlanganisa izakhi, ezinye zazo ezinganyakaza ngokuhlobene nezinye. Ngakho-ke, lo mhlangano awuyona into eqinile. Ngamunye isici sizimele.

I-ejensi ishayisana ne abakweletwayo bazinza ngokusebenzisa izindlela njengeziqinisekiso zenkontileka, izinqubo zomthetho zokukhokhelana ngokomthetho, imakethe yolwazi lwezezimali, noma izindlela ezingakahleleki ezifana nesithunzi.

I-athikili okufanele ifundwe: Wenzani umhlaziyi wezezimali?

Lezi zindlela ezihlukene azidlali izindima ezilinganayo futhi ukubaluleka kwazo kuncike esimweni nomsebenzi wenkampani.

Kuhlelo lokuphatha, lo mhlangano ungahlukaniswa ube izigaba ezimbili:

✔️ Izindlela ezakhiwe noma “zenhloso”

Kulesi sigaba sinelungelo lokuvota ebhodini labaqondisi (CA), izici ze-CA (usayizi, obala, ukuzimela, njll.) kanye namakomiti (ucwaningo, inkokhelo, njll.).

Amasistimu amaholo kanye nephrofayela yomphathi nakho kuwela kulesi sigaba. Indlela eyinhloko yokuphatha amabhange yibhodi yabaqondisi.

✔️ Izindlela “ezizenzakalelayo”

Lesi sigaba sezindlela sixhumene nokuncintisana kwezimakethe. Noma ngabe ziyini, lezi zindlela zihloselwe ukunciphisa ukungqubuzana kwe-ejensi phakathi kwababambe iqhaza.

Ngakho-ke, ezinkampanini ezinkulu ezisohlwini, abanye ababhali babheka ukuthi indlela ebusayo yimakethe yokuphatha. Abaphathi bazofuna ukuphatha amabhizinisi kahle ukuze bakhulise isithunzi sabo kanye nenani kule makethe.

I-athikili okufanele ifundwe: Umehluko phakathi kwamabhange amaSulumane namabhange ajwayelekile

Ngaphandle kwe imakethe enkulu Kukhona enye indlela ezenzakalelayo, umthethonqubo. Umthetho wezamabhange uthathwa njengesenzo sokuqondisa nokulawula imisebenzi yasebhange, ngokuyibeka ngaphansi kokuthobela izindinganiso ezihlukahlukene, ukuze kulawulwe ubungozi ukuze kulondolozwe ukuphepha kwabafaka imali, ukuzinza kohlelo lwezezimali kanye namabhalansi amakhulu.

Ukufeza lokhu, umthetho wamabhange uncike kakhulu ekulawuleni nasekugadweni.

La imithetho yasebhange kuhlanganisa ngokuyinhloko ukusetha izinga lezinsiza ezincane, noma isilinganiso sokulingana ku-jargon, okufanele amabhange ayibambe ukuze akwazi ukumelana nokushaqeka kwezezimali.

🌿 Faka kabusha…

Ukuphathwa kwamabhange okunekhwalithi kuyisidingo esingakaze sibonwe uma sifuna ukugcina ukuzethemba kwabanye ababambiqhaza. Ngokusho kuka-a Umbiko wekomidi le-Basel ushicilelwe ngo-2015, ukubusa ngokubambisana kuhlose ukuqinisa izibopho zebhodi labaqondisi mayelana nokwengamela kanye nokulawulwa kobungozi.

Ngenxa yemvelo yemisebenzi yasebhange, ukubusa kuyisici esibalulekile ukuqina nokuthuthukiswa kwamabhange.

Ukuphatha amadiphozithi amakhasimende, ukuwanikeza isikweletu kanye nokuba nokufinyelela olwazini oluyimfihlo lwamakhasimende kwandisa isidingo sokuphatha ngempumelelo nangempumelelo; ukulawula okuqinile nokugadwa (El Marzouki kanye noBenlechehab, 2017).

Ngaphezu kwalokho, amabhange abhekene nezingxabano zama-ejensi uma kuqhathaniswa nezinye izinhlobo zebhizinisi.

Shiya imibono yakho kumazwana. Kodwa-ke, uma ufuna ukulawula izimali zakho ezinyangeni eziyisithupha, ngincoma kakhulu lo mhlahlandlela.