Hlala emva, uphumule, kwaye ulungiselele inkcazo ebalulekileyo yokuqala kwisakhiwo esikhulu kunye nokuba kutheni kubalulekile kuwe nakwizinto ezikwimeko yepotfolio yakho!
Ukwakhiwa kweNkunzi -Yiyiphi na kwaye Kutheni ibalulekile
Ixesha eliyinkunzi libhekiselele kwipesenteji yemali (imali) emsebenzini kumashishini ngohlobo. Ukuthetha ngokubanzi, kukho iifom ezimbini zeengxowa-mali: inkunzi yemali kunye nenkunzi yemali. Uhlobo ngalunye lwenkunzi luba neenzuzo kunye neengxaki kunye nenxalenye enkulu yobuncwane bolawulo kunye nolawulo oluzama ukufumana isakhiwo esipheleleyo sakhiwo ngokubhekiselele kumngcipheko / umvuzo wabanini-mali. Oku kuyinyaniso kwiinkampani ze- Fortune 500 kunye nabanini bamashishini abancinci abazama ukucacisa ukuba imali yabo yokuqalisa ivela kumbhanki webhanki ngaphandle kokuphazamisa ishishini.
Ukujonga ngokugqithiseleyo iintlobo ezahlukeneyo zeNkunzi kwiSahluko seBhalance
Masithathe umzuzwana ukuba sijonge ezi zimbini iintlobo zeenkunzi ezinkulu ngakumbi.
Elingene Imali
Ubungakanani bemali kubhekisela kwimali ebekwayo kwaye ilawulwa ngabani-masinini (abanini). Ngokuqhelekileyo, inkunzi yemali ineentlobo ezimbini: 1. inkunzi yemali, eyona mali eyayibekwe imali ekuqaleni kweshishini ngokutshintshana ngezabelo zesitokisi okanye ubunini kunye no-2. Ukugcinwa kwempumelelo , emele inzuzo kwiminyaka edluleyo egcinwe inkampani kwaye isetyenziselwa ukuqinisa isilimali okanye ukukhula kweengxowa-mali, ukufunyanwa, okanye ukwandiswa.
Abaninzi bacinga ukuba ixabiso elincinci libe yinto eninzi kakhulu eyinkunzi yenkampani inokusetyenziswa ngenxa yokuba "iindleko" zayo ibuyisela iqumrhu kufuneka lifumane ukutsala utyalo-mali. Ikhampani ebalulekileyo yeemayini ekhangela isilivere kwindawo edeleyo ye-Afrika inokufuna ukubuyisela phezulu kwi-equity ukufumana abatyali-mali ukuba bathenge isitokisi ngaphandle kwequmrhu elinjenge-Procter neGamble, elithengisa yonke into esuka kwi-toothpaste kunye ne-shampoo kwi-detergent and beauty iimveliso.
Amatyala amatyala
Ingxowa-mali enkulu kwinkalo-mali yenkampani ibhekisele kwimboleko yemali esebenza kumashishini. Uhlobo olukhuselekile kakhulu lubonwa njengezibophelelo zexesha elide kuba inkampani ineeminyaka, ukuba kungengamashumi eminyaka, ukuba ifike ngenqununu ngelixa ihlawula umdla kuphela okwangoku.
Ezinye iintlobo zeetyala ezinkulu zingabandakanya iphepha elifutshane elide lokuthengisa elisebenzisa amaqhosha anjengeWal-Mart kunye neGenerali yeMali ukuba inani lezigidigidi zeedola kwiimali-mboleko zeeyure ezingama-24 ezivela kwiimarike zentengo ukuhlangabezana neemfuno zeentsuku zemisebenzi zanjengomhla. zokuhlawula kunye neebhanki zesevisi. Iindleko zemali-mboleko kwiziko eliyinkunzi lixhomekeke kwimpilo ye- balance sheet yenkampani-i -AAA ephindwe kathathu iya kuthi ikwazi ukuboleka kumaxabiso aphantsi kakhulu kwiinkampani ezicingayo kunye namatyala enetyala, enokufuneka ihlawule 15 ipesenti okanye ngaphezulu ukutshintshela ityala lemali.
Ngaphandle kokulingana kunye nenkunzi yemali, kukho ezinye iinjongo zemali enjengokuthengisa ngemali apho inkampani ingathengisa impahla ngaphambi kokuba ihlawule umrhumo kumthengisi, onokunyusa ngokukhawuleza ukubuyela kwi-equity kodwa angabi naliphi na inkampani inkcitho. Le yinye yeemfihlelo zokuphumelela kukaSam Walton eWal-Mart. Wayesoloko ekwazi ukuthengisa i-tide detergent ngaphambi kokuba ahlawule ibhajethi kwi-Procter neGamble, eqinisweni, usebenzisa imali ye-PG ukuze akhulise umthengisi wakhe.
Kwimeko yenkampani yomshuwalense, umnini-mgaqo-nkqubo "uphahla" umele imali engekho yenkampani kodwa ukuba isebenzise kwaye ifumene utyalo-mali kuze kube yilapho kufuneka ihlawule ngenxa yengozi okanye iindleko zonyango, kwimeko yomshuwalense wemoto. Iindleko zezinye iinjongo zemali kwisakhiwo esikhulu sichaphazeleka kakhulu kwiimeko-imeko-imeko kwaye ngokuphindaphindiweyo ziya kwi talente noqeqesho lwabaphathi.
Ukufuna isakhiwo esilungileyo
Abanini-mali abaninzi bezemali bakholelwa ukuba injongo ebomini ayiyi kuba netyala (jonga ukuba Ndimele Ndiyihlawule amatyala okanye i-Invest? ). Xa ufikelela kuma-echelons angaphezulu eemali, nangona kunjalo, loo ngcamango ayifani ngqo. Uninzi lweenkampani eziphambili kakhulu kwihlabathi jikelele isakhiwo salo sakhiwo ngokubhekiselele kwizinto ezilula - indleko yemali.
Ukuba unako ukuboleka imali kwi-7 ekhulwini kwiminyaka engama-30 kwihlabathi le-3% yexabiso lokunyuka kwamanani kunye nokuyibuyisela kwimisebenzi engundoqo kwi-15 ekhulwini, kuya kuba bubulumko ukuqwalasela okungenani ama-40 ukuya kuma-50 ekhulwini kwintlawulo yemali kwisakhiwo sakho esiphezulu semali. ukuba ixabiso lakho lokuthengisa kunye neendleko zizinzile.
Ukuba uthengisa imveliso ebalulekileyo abantu kufuneka babe nayo, ityala liya kuba ngumngcipheko ophantsi kunokuba ungasebenzisa ipaki yamatye kwidolophu yezokhenketho ekuphakameni kwe-market boom market. Kwakhona, oku kukuphi ukulawula iitalente, amava kunye nobulumko.
Abaphathi abakhulu baneenkonkqo ngokukhawuleza ukunciphisa iindleko zabo ezilinganiselweyo zemali ngokunyusa umkhiqizo, befuna iimveliso zokubuya eziphezulu, kunye nokunye. Esi sizathu sokuba uvame ukubona iinkampani ezixhamlileyo ezixhamlileyo zithengisa ityala lexesha elide ngokukhupha izibophelelo zenkampani .
Ukuyiqonda ngokwenene imbono yesakhiwo esikhulu, kufuneka uthathe ixesha elide lokufunda Ukubuyela kwi-Equity: Umzekelo weDuPont ukufumana ingqalelo ukuba isakhiwo esingundoqo sichaza njani esinye sezigaba ezintathu ekuqaliseni izinga lokubuyisela inkampani eya kuzuza imali abanikazi bayo batyalwe kuyo. Ingaba unayo ivenkile yokutya okanye ucinga ngokutyalomali kwiitokhwe ezithengiswa esidlangalaleni, kufuneka ukwazi ukuba kufuneka ufumane ukuqonda okungcono imingcipheko nemivuzo ejongene nemali yakho.