Ukukunceda uqonde impendulo yaloo mbuzo, cinga imeko. Yenza sengathi uya kufaka isicelo sembolekiso ukubeka i-pool yokubhukuda kwindawo yakho yangasemva. Uya ebhankini ucela ukuboleka imali, kwaye umgcini-bhanki ugxininisa ukuba umnike uluhlu lwemali yakho yangoku.
Emva kokuya ekhaya kwaye ukhangela iingxelo zakho kunye neengxelo zeakhawunti, ukhupha iphepha elingenanto lephepha. Ubhala yonke into onayo yexabiso kuquka i-akhawunti yakho yokujonga, i-akhawunti yokulondoloza , izatifikethi zokufaka idiphozithi kunye neemarike zemali , iimali eziphathekayo , iimpahla , iibhondi , i- real estate , imoto, ifenitshala, iikhomputha kunye nokunye. Emva koko, phakathi kwiphepha, ubhala yonke into obolekileyo kubandakanya imali yakho yokubolekwa kwemali, iitaliti zemali, ityala lekhadi lesikweletu, i-debt margin , kunye nokunye. Ekugqibeleni, ngasezantsi kwephepha, ususa yonke into onayo kuyo yonke into onayo ukubala inani lakho.
Siyavuyisela, udale iphepha lokulinganisela .
Iimakhishithi zeBhalansi ezifunekayo yiKomishoni yokuThengisa noTshintsho
Njengoko ibhanki ikucele ukuba ubeke i-balance sheet ukuze uhlalutye imali-mboleko yakho, urhulumente ufuna iikhampani ezithengiswa esidlangalaleni ukuba ziqokelele i-balance sheet ngamanqaku amaninzi ngonyaka ngenxa yabanini-nxaxheba.
Ivumela abaxhasi-mali kunye nabanokuthi batyale ukuba bafumane i-snapshot yezimali zeenkampani. Phakathi kwezinye izinto, i-balance sheet iya kukubonisa ixabiso lezinto ezikhoyo kwiinkampani, ezantsi kweefowuni ezihleli kwidesksi zabasebenzi babo, isixa sematyala, ubunjani beempahla kwindawo yokugcina impahla, kunye nemali engakanani ishishini kufuneka lisebenze ngexesha elifutshane.
Ngokuqhelekileyo enye yeengxelo zezimali zokuqala ofuna ukuzihlaziya xa uxabisa inkampani.
Ngaphambi kokuba ukwazi ukuhlalutya ibhalansi, kufuneka ukwazi ukuba luhlelwe njani. Yiloo nto esi sifundo sotyalo-mali sijolise ekukufundiseni. Ngokukodwa, ndiya kukuhamba ngelayini yomgca-nge-line kwaye uchaze ukubeka komhlaba, ngoko uziva ukhululekile ngexesha elizayo xa ufumana enye.
Ngaphambi kokuba singene kulo, kunjalo, siqaphele ukuba iqumrhu, inkampani ejongene nemfanelo , okanye ibhajethi ebambiseneyo yokubambisana ihluke kakhulu kwi-balance sheet yemakhaya kuba kukho izinto ezininzi eziyinkimbinkimbi kwiirekhodi zengxelo zenkampani yokuqhuba okanye inkampani ebambeleleyo . Amashishini kufuneka ahlangabezane nazo zonke iimeko ezinzima abantu abaninzi abanalo ngolu hlobo lokunciphisa nokuhlawula i-jumbo jet, indlela yokuphendula ngeendleko zokwakha zesityalo, iindlela zokurekhoda iimbopheleleko zokuqeshisa indawo yokuthengisa kwindawo exakekileyo ivenkile yokuthenga, indlela yokuxabisa iimpahla zokugcina iimpahla ezinokuba zifumene okanye zilahlekelwe ixabiso njengoko zifunyenwe, indlela efanelekileyo yokuseka iindawo zokugcina ukulahlekelwa kwintlawulo yebhanki eyenziwa kubbolekayo, nokuguqulela iimpahla ezininzi zemali kunye namatyala kwimali yokubika, nje ukubonelela imizekelo embalwa.
Nangona kunjalo, kungakhathaliseki ukuba kubonakala kunzima kangakanani xa uqala ukuyiphula kwiindawo ezithile, uyaqonda ukuba akukho nto inzima kunayo nayiphi na. Indlela efanelekileyo yokwenza oku kukukhumbula ukuba yonke injongo yesalathisi iyakuphendula imibuzo emithathu kumphathi, utyalomali, umboleki, umlawuli, okanye omnye umntu onomdla ekujonge kuyo:
- Iyintoni inkampani? (IiAfa)?
- Yintoni inkampani inetyala? (Amatyala)?
- Yintoni eseleyo kubanini bekampani zonke iitalato zihlawulwe? ( Ixabiso leNcwadi okanye ubulungisa bezabanikazi)?
Zonke ezi zinto zinamaqondo afanelekileyo, imigaqo ephakamileyo, kunye neengxelo ezinzima zokuba ubeke, umnini-mali-mali, ingcamango enhle yokuba uqikelele njani ezo zinto zintathu. Ukuba uzikhumbuza ukuba yinjongo, akufanele ukhululeke njengoko ufikelele emanzini okuhlalutya kwamaphepha e-balance sheet.
Umbhalo osemazantsi : Ngokungafani nezinye izitatimende zemali, ibhalansi ayikwazi ukufaka uluhlu lwemini. Ngamanye amazwi, kungenokuba kuhle "ngomhla kaDisemba 31, 2018", kodwa ayikwazi ukukuxelela malunga nexesha elidlulayo, kuthi, ngoDisemba 1 ukuya kuDisemba 31. Kungenxa yokuba iphepha lokulinganisela liluhlu lwezinto ezifana nekheshi kwisandla kunye ne-inventory, ezitshintsha imihla ngemihla. Uya kufumana ukuba indlela yokujongana nale nto xa ubala amaninzi amaninzi, endikufundisayo ukuba wenze ntoni kamva kwesi sifundo, kukuthatha oko kuthiwa "amanani alinganisiweyo" amanani ebhalansi. Ngokomzekelo, ukuba ufuna ukwazi inani eliqhelekileyo lokubaluleka kwonyaka, uza kuthatha ixabiso lempahla ekupheleni konyaka odlulileyo, wongeze kwixabiso lokugqibela lovimba, kwaye ulwahlule ngamabini. Kukhohlisa okukhawulezayo okukunceda ukuphepha ukuphazamiseka ngokuphelisa ixesha elinokuthi okanye lingabonakali oko kwenzekayo uninzi konyaka. Umzekeliso omnye: Ukuba ishishini lokuvelisa lihlawulwe lonke ityala ngexesha lonyaka kwaye ibonise i-$ 0 kwizibophelelo kwi-balance sheet, kodwa ufumene umgca weendleko zenzalo kwimali engenayo , unokudideka. Ngokulinganisela umyinge owenziweyo webhanki kwixesha elifanayo, unokufumana ingcamango engcono yintoni eqhubekayo kwaye kutheni kubakho iindleko zomdla.