Ukuhlalutya iShidi leBhalansi
Ngaphambi kokuba ujikeleze usebenzisa amandla akho amatsha ohlalutyo olusisiseko, kufuneka uqaphele ukuqonda imida ebhalisiweyo .
Akusiyo yonke into yokuphela-kodwa yonke into nje yecala elikhulu kakhulu. Ukuba ndiza kukuthengisa ivenkile yokutya kwendawo okanye kwisikhululo segesi, ungakuze ufune ukwenza isipho esekelwe kuphela kwi-balance sheet (ngaphandle, mhlawumbi, ukuba ngaba kukho uhlobo oluthile lwezinto ezifihliweyo ezixabisekileyo unokuvala phantsi ishishini, kwaye ixabiso lokuhlawuleka lidlulile ngaphezu kwexabiso lakho lokuthenga). Kunoko, uya kuthatha ingqalelo inzuzo yoshishino oluvelisiweyo, ithemba elizayo kwishishini, ukhuphiswano lwendawo kunye nezinye izinto ezininzi. Kuyafana naliphi na ukubheka inkampani yokuthengisa esidlangalaleni - kufuneka wenze isigqibo ngokungathi uthengile ishishini labucala. Oku kuya kubandakanya ukusetyenziswa kwetatimenti yengeniso, eyona nto igxininiswe kwisifundo se-4, isitatimende sokuhamba kwemali, kwaye nakwiinkalo ezithile zesebe kunye nezoqoqosho ezinokukunceda uqonde ngakumbi amandla oqoqosho emsebenzini; Iimfuno zoqoqosho ezithengisa ukuthengisa, iindleko kunye nemali.
Izinto Ezofuna Ukuzijonga Xa Uhlalutya I-Sheet Balance
Oko ukhangeleyo xa uhlalutya iphepha lokulinganisela liyimpendulo kwimibuzo embalwa; imibuzo engakunceda uqonde uhlobo lwezoshishino ozifumanayo, ezinye zeengozi ezibangelwa kuloo shishini, kwaye, ngokubhekiselele kwezinye izinto, italente kunye nekhono lolawulo:
- Yintoni inokuthi i-balance sheet ingandixelele ngesakhiwo esiphezulu senkampani ? Ziziphi izingozi kunye neenzuzo zokusebenzisa le sakhiwo esikhulu? Ihluke njani oku kwezinye iikhampani kwicandelo elinye okanye kwicandelo elinye? Ngokomzekelo, unikezelwa ngemali eqinisekisiwe ngokubhekiselele kwiibhodi zokubeka iirhafu, iinkonzo zikawonkewonke zivame ukusebenzisa amaninzi amatyala kunye nokulingana kanti iinkampani ezininzi zeprogram zizonwabela amanqanaba amaninzi anenzuzo, inkokhelo ayimfuneko xa isigaba sokwandisa. Ukuba inkampani entsha yeprojekthi yesofthiwe ibophelelwe ngamatyala, leyo ingaba yiflegi ebomvu. Ukuba i-utility zombane inetyala elikhulu eliza kuhlaziywa kunye neerhafu zenzalo ziphezulu kunokuba zikho kwixesha elidala, iindleko ziya kuphakama, inzuzo iya kuwa, kwaye umlinganiselo we- p / e okhoyo uya kupheliswa ukhuphuke ngaphezu kwexabiso. Ukuze ufunde kabanzi malunga nemidlalo ephambili yempumelelo kwimpumelelo yenkampani, funda iiNdidi ezi-3 zeNkunzi .
- Yintoni inokuthi i-balance sheet ingitsho ngomfanekiso wecala ? Ukuba iibhanki zivaliwe kusasa kwaye iimarike zentengo ziqhubekile, ingabe le nkampani ingaqhubeka ihlawula iindleko zayo? Emuva phambi kweengxaki zemboleko ngo-2008-2009, amaninzi amabhishini afanelekileyo aye axhomekeka ngokugqithiseleyo kwixesha elifutshane lokuxhaswa kwezimali ezifana nephepha lokuthengisa. Oku kubi kuba, nangona uziphatha ngokufanayo ngamaxesha amahle, iphepha lezorhwebo alifani nekheshi kunye nee-bhafu zexesha elifutshane. Ngomnotho, ufuna ukufumana imali ecebileyo .
- Yintoni inokuthi i-balance sheet ingitsho ngomgangatho we shishini? Amashishini afanelekileyo - uhlobo olwenza abantwana bakho nabazukulu bazityebi-banokuba nezinto ezincinci. Inkulu phakathi kwezi zinto ziyakwazi ukuvelisa umgangatho ophezulu, umnini-mali onomlinganiselo onxulumene nexabiso elibonakalayo lencwadi (ukukhupha impahla engabonakaliyo kwi-balance sheet esiye saxoxa ngayo kule sifundo) kunye nolawulo olujongene nabanini-mali abanokubaluleka abanikazi bexesha elide. ukugqithisa ngenxa yokukhula.
- Yintoni engayifumana isalathisi kum ngembali yenkampani? Xa ukhangela iqela lokulingana nesabelo sabalimi, uya kubona i-snapshot yenkampani okanye imbali yabambiswano. Ukuba ishishini langoku linenzuzo, kodwa uqaphela ukulahlekelwa kwexabiso lencwadi, efuna ukuba uviwo olongezelelweyo. Ukuba ngaba ngumphumo wezinto ezininzi zokuthengwa kwezabelo, kunokwenzeka ukuba yinto enhle, ngaphandle kokuba bengayifaki inkunkuma kwi-liquidity. Ngakolunye uhlangothi, ukuba ukugcinwa kwemali kuboniswa ixabiso elingenambi, lithetha ukuba kukho ilahleko ezinkulu ngexesha elidlulileyo. Ngaba babuya? Kwakhona kunokuthetha ukuba kukho ukulahleka kwentela okuqhubekayo kusetyenziswa ngokufanelekileyo (kodwa ngokwenene nangenzuzo) kwandisa inzuzo ngokunciphisa inani elithatha urhulumente. Xa ixabiso lokulahleka kweerhafu liphelile okanye liphelelwe yisikhathi, iirhafu eziqhelekileyo ziya kufaka isicelo, kwakhona, kwaye zingabangela ukuba inzuzo engenayo ilahle.
Ungabi Ngokwethembela Kakhulu kwiSahluko seBhalance In Isolation
Kubalulekile ukuba ungabi ngongqongqo kwi-balance sheet kuphela, ufune enye i-metric epheleleyo ephezulu ekusebenzeni kwangempela. Uyabona oku ngamaxesha kwiinkampani zentengiso. Abaphathi bathatyathwa ngabantu abahlekisayo njengababala bebhanki abangenawo amava okusebenza; abangaqondangayo, ngokusemthethweni, amava abaxhasi kunye neengqondo zabathengi. Kunoko, baxhalabele ukuphucula amaxabiso emali kwi-balance sheet kunye nesitatimende se ngeniso ; izinto ezifana nokubuyiswa kwempahla . Bese beqhubeka bexhomekeka kwiinkqubo ezinjenge "nje kweso sithuba" kuphela baxine kakhulu. Abathengi bazifumana bebuyela kwisitoreli ngokuphindaphindiweyo kuba amashalofu akakaze agcinwe, okanye iindidi ziye zancitshiswa kakhulu. Kwiminyaka yakutshanje, iWal-Mart Stores, umthengisi omkhulu kunazo zonke emhlabeni, uye wabandezeleka kule nto. Kwimarike yendawo yangasese kufuphi neKansas City, yaba nzima kangangokuthi awuze uqiniseke ukuba inxalenye yesiphelo yayiya kuba neenxalenye ezithile zobuncwane! Ngaphandle kokuphucula ishishini, kwakuthetha ukuba mna, kunye nabanye abathengi, bayeka ukunyanzelisa ivenkile kwindawo yokuqala, ukuya kumncintiswano ongcono.
Ukugxininisa okufanayo kwi-balance sheet kunye nezinye izitatimende zemali ngamanye amaxesha zenzeke kwamanye amashishini, nazo. Cinga ngebhanki. Ezinye iibhanki zisebenza kwimodeli ephantsi kweendleko. Bahlala bephantsi kwamanqanaba abasebenzi kunye nezakhiwo ezamkelekileyo. Ezinye iibhanki zisebenzisa into eyaziwa ngokuba yi-"high-touch" ndlela, ngamasebe asebenza ngokugqithiseleyo kunye nezakhiwo ezikhangayo. Kwibhanki eyakhe ishishini layo kwindlela ephezulu yokuthinta, ingaba yingozi kwixesha elide ukuzama nokunyusa ukuhamba kwemali kunye nenzuzo ngokunciphisa ukuthungwa kokwakha isakhiwo, ukugcinwa kwamagcisa kunye namacandelo abasebenzi ngenxa yokuba abathengi babo kunye nabathengi baye bawakhetha kungekho nxalenye encinci ngenxa yokuba abayithandi ukusebenza ngendlela yabo ngokusebenzisa umbhobho oomatshini ozenzekelayo ngomnxeba; ukuhamba nokusebenzisana nomntu wangempela ngokukhawuleza; kubona i-glass, enkulu yeglasi kunye ne-marble edifice ebonisa amandla. Kukho izigidi zabantu baseMelika abacebileyo-kwaye benze-ukuhlawula ixabiso eliphezulu kwi-bhanki eneenkampani ezifihlakeleyo, ama-mahogany eneendonga ezifakwe kwiinkalo, kunye neebhanki ezizimeleyo unokufikelela malunga neeyure zemihla. Ukunciphisa kwii-asethi zee-asethi zokwenza imali ukwenzela ukwandisa ukusebenza kakuhle kunakhokelela ekuhambeni kwe-intuitive ekunciphiseni kwimali engenayo eyenza i-asethi ingasebenzi kakuhle ekupheleni.