Chii Chaicho Chinodiwa Chokutengeserana Kwekubhadhara?
Inofungidzirwa nenyanzvi dzakawanda kuti mabhizimisi maduku anowanzova ne40 muzana yekubhadhara mari kubva kubhizimusi chekwereti - chii chavanokweretesa vatengesi vavo.
Icho ndicho chokwadi chikuru chekushanda kwemazuva ano pane bhizinesi duku re ' balance sheet . Izvo zviduku zvakasimba, iyo inowedzera chikamu chemazana ekutengeserana kwekodzero semhosva yezvino.
Iko Kunoshandisa Sei Kubhadhara Chikwereti?
Apo kambani inotenga kubva kumutengesi, mutengesi uyo anowanzogadzirira kubvumira kambani kuchera kubhadhara. Apo mutengesi anobvumira kunonoka kubhadhara, zvinobudirira mutengi ari kuwedzera mari kune kambani. Ichi chikwereti chinova chitubu chemashandiro ekubhadhara mari kwekambani. Kune mabhizimisi maduku uye makambani ekutanga, bhizimusi rekutengeserana ringangodaro ndiro mari chete yavari kuwana. Vatengi vanoziva izvi uye vanoramba vakatarira maakarenda avo anogamuchirwa uye makambani ane chikwereti navo.
Sarudza Vafengi Vako Zvakanaka
Apo mabhizimisi ako masuo akazaruka, rimwe remabasa ako okutanga rinofanira kunge riri kusarudza vatengesi vako zvakanyatsonaka. Iwe unoda kusarudza vatengesi vako kwete chete kwezvinhu zvavanokwanisa kukupa iwe asiwo nezvemashoko ekutengeserana chikwereti.
Kana iwe uri bhizimisi idzva kana richikura, iwe zvechokwadi unoda kusarudza vatengesi vanopa bhizimusi rekutengeserana uye kunyanya avo vanopa mabhizimisi ekutengeserana mari.
Paunenge uchisarudza vatengesi, iwe kazhinji unogadzira mharidzo kana zvaunoda kune avo vanotengesa. Iva nechokwadi uye usimbise huwandu huwandu hwaunoda uye huwandu huwandu hwaunofungidzira hunoda kuenda mberi mune ramangwana.
Iwe unoda kuita kuti kambani yako iite seyakakosha kumutengesi sekambani inofanirwa nekutengeserana chikwereti. Kana uine bhizimisi raunenge uine nomutengesi, zviri nani kuti iwe unotaurirana hurumende ichave ine chokuita nemitemo yebhizimisi chikwereti nemupi wezvokupa.
Iko Mari Yekutengeserana
Izvo zvakati, pane mari inobatanidza nekutengeserana kwekodzero kunopiwa kambani yako nevanopa vapeji. Vatengesi vangave vari munzvimbo imwe chete iwe uri maererano nekuyerera kwemari, saka mari inoshanda yezvaunotenga kubva kune vanotengesa inowanzopfuura kana iwe uri kubhadhara mari. Hausi iwe chete unofanirwa kuwana mari yakakwirira yekutenga, asi iwe unofanira kuverenga mumari chaiyo yebhizimisi chikwereti.
Firms iyo inopa kambani yako yekambani yekodzero ine kuroti yemarikiti, sezvo iwe une chikwereti chekwereti kune vatengi vako. Izvo zvikwereti zvekwereti zvingava nemitemo yebhizimisi inotarisa chimwe chinhu chakadai: 2/10, netsika 30. Izvi zvinoreva kuti mutengi achakupa 2% kubva mukutora kana iwe uchibhadhara chikwereti chako mumazuva gumi. Kana iwe usingatori izvo zvakatorwa, zvino mutero wacho unotora mumazuva makumi matatu. Kana iwe uchipihwa aya mazwi ekutengeserana nemutengesi, anorevei?
Muenzaniso weIndangariro Yechokwadi yeZvikwereti
Pano tinogona kushandisa fomu kuti tione mari yekutengeserana chikwereti.
Ichi chirairo inonziwo mari yekutora kutora. Ngatitii kambani yenyu inopiwa mazwi ekutengeserana kwe 2/10, netsika 30. Zvino, tinofanira kufungidzira mamiriro ako apo kambani yako isingakwanisi kutora 2 muzana kukodzero. Mune mamwe mazwi, iwe hauna mari inoyerera kuti ubhadhe chikwereti uye iwe unogamuchira kushandiswa mukati memazuva gumi, chii ichi chichakudhura iwe?
Heano chirevo chekuverenga mari yekusatora tsvina:
Chikamu Chinokosha รท (1-Discount%) x [360 / (Chibvumirano chakabvumira mazuva okubhadhara - Mazuva ekutsiva)]
Heino nhanho-nhanho tsanangudzo yemufananidzo uchishandisa muenzaniso wakapiwa pamusoro: 2/10 net 30.
- Gurai zvishoma zvishoma, 2%, ne (100% - 2%), musiyano we 100% kunze kwe 2% kubhadhara muzana. Iyo yakaenzana ne 2.0408%
- Gurai 360 - mazita mashoma mugore - nemari yakazara yakabvumira mazuva okubhadhara (mazuva makumi matatu) kushandiswa kwakabvumira mazuva ekudhura (mazuva gumi). Izvo zvakaenzana ne18.
- Wedzera chibereko che 2.0408% ne18. Izvo zvakaenzana ne 36.73%, iyo chaiyo yegore inotora chikwata chakatengesa.
Maererano nemashoko emuenzaniso wedu wepamusoro, 36.73 kubva muzana ndiyo mari yekusatora kubhadhara. Iwe unogona kutenga chikwereti chekambani yemari kana chikwereti chebhengi pazinga rakaderera kupfuura iyo.
Ko Kambani Yako Inofanira Kushandisa Trade Credit?
Ko kambani yako inoshandiswa nekutengeserana mari yekutengeserana kutenga iyo yekugadzira uye inopa kana imwe nzvimbo yekushandisa mari ? Kana kambani yako ine mari isingabhadharwi kuti inotora kubhadhara kunopiwa mumagariro echikwereti, hongu. Zvisinei, iwe unofanirwa kuverenga mari yekutengeserana chikwereti, kana kuti mari yekusatora kubhadhara, sezvinowanikwa muchikamu chiri pamusoro.
Kana iwe usina mari yekuyerera kuti utore kuderedza, iwe kazhinji unofanirwa kuve nehuwandu hwekubhadhara mari. Nguva dzose zviri nani kuva nemari yakakwana yakakwana paruoko kuti utore kuderedza.