Kutarisira Chikwereti uye Nhoroondo Dzakagamuchirwa

Nzira Yokubata Nayo Mari Yenyu Yekodzero uye Investment yako muAkaunti Inogamuchirwa

Kunyange bhizinesi duku zvikuru rinogona kusarudza kupa chikwereti kune vatengi varo. Shanduro yakakura yeSMB yekubhadhara kune vatengi senzira yekuita bhizinesi. Panenge chikamu chimwe chete kubva pamatanhatu chezvinhu zvose zveSouth firms mafemu zviri mumhando yeakabhadharo inogamuchirwa saka kupa chikwereti inoshandiswa zvikuru muAmerica nhasi. Kupa chikwereti chaicho chiri chiito chekuita mari kune vatengi vako. Kutanga, iwe unofanirwa kusarudza kuti vatengi vakakodzera chii ichocho.

Haasi mabhizimisi maduku ose anopa chikwereti. Pane kudaro, vanoita zvose zvavanotengesa pamusoro pemari. Muzviitiko zvakawanda, izvi zvinovatengesa kutengesa uye vatengi nokuti, saiyo kana kwete, tinorarama munharaunda inotungamirirwa nekwereti. Kana mutengesi achida kuisa urongwa hukuru kubva kune kambani, uyo anopa mukana angave asina mari yekubhadhara iyo yose kana zvichiitika. Urongwa ihwohwo huchaenda pane imwe kambani kunze kwekuti bhizinesi renyu duku rikweretesa chikwereti. Mabhizimisi maduku anotarisana nekutengeswa. Vanofanira kuenzanisa mari yekupa chikwereti pamusoro pezvibereko zvekuwedzera kwekutengesa.

Mamwe mabhizimisi maduku ane marudzi maviri evatengi. Vane B2B vatengi kana vatengi vatengi vatengi. Chikwereti chavatengesi chiri kungowedzera chikwereti kune dzimwe firms. Mabhizimisi maduku anewo vatengi veB2C kana vatengi vatengi vemakwereti, iyo ndeyevanhu.

Chii Chinokonzera Chikwereti Chekwereti kune Kambani?

Kana kambani inobhadhara mari / kubhadhara uye inoita sarudzo yakakosha yekuwedzera chikwereti kune vatengi vayo, zvino inofanira kusimbisa nzira dzekwereti uye kuunganidza mabhuku.

Iko kunowanzoita zvikamu zvitatu zvepurogiramu yakanaka yechikwereti:

1. Magwaro Ekutengesa

   Aya mazwi ekutengeserana kwekwereti mutevedzeri wekodzero iyo iyo firm inogona kutengesa michina kana mabasa. Ko iyo yakasimba inoda kutengeswa kwemari here kana kuti ichawedzera chikwereti? Icho chisarudzo chinoitwa kuburikidza nekugadzirwa kwekwereti uye kusarudza kuti ndiani anofanira kupiwa chikwereti.

   Kana bhizinesi duku richisarudza kupa chikwereti kune mutengi, zvino inofanira kugadzirisa mitemo. Aya mazwi achabatanidza nguva yechikwereti uye chero zvingabhadharwa iwe unosarudza kugovera mutengi pamwe nenguva yekuderedza.

   Mitemo yekutengesa inogona kutaridzika seyiyi: 2/10, net 30. Izvi zvinoreva kuti iwe unopa vatengi vako 2% kubhadhara kana vachibhadhara mumazuva gumi. Kana vasingatori kubhadhara, bhiri ravo rinofanirwa mumazuva makumi matatu.

1. Credit Analysis

   Panogadzirisa hurongwa hwekwereti, kambani inosarudza kuti ichapa sei chikwereti kune vatengi uye mabhizinesi. Vanoshandisa nzira dzakawanda dzekuita izvi zvinosanganisira kuvhota mheteti yemarikiti , kuongororwa kwe5C yemari yechikwereti , uye chikwereti chikoro.

2. Collection Policy

   Kana kambani ichiita chisarudzo chekupa chikwereti kune vatengi vayo, inoda kukudziridza hurongwa hwekuunganidza huchashandisa kuongorora zvikwereti zvekwereti. Kazhinji kambani dzinoshandisa nzira mbiri. Vanoshandisa nguva yakawanda yekuunganidza nguva uye nhoroondo dzinogamuchirwa kukwegura .

   Ivhareji yekuunganidza nguva (ACP) ichaita kuti muridzi wemabhizimisi azive mazuva mangani, paavhareji, zvinotora kuunganidza zvikwereti zvekwereti. Bhizimisi wemabhizimisi anogona kuenzanisa ACP kune dzimwe makambani mumashandi ayo uye ACP kubva kune mamwe makore. I ACP inopa mhizimisi wemabhizimisi mari ye data kuti ishande kubva. Kana ACP ichikwira, zvino bhizimisi wemabhizimisi anofanira kutora zvakanyanya kugadzirisa zvikwereti pane zvikwereti zvekwereti.

   Nhoroondo dzinogamuchirwa purogiramu yekwegura ishandisi inokoshawo zvakare. Iwe unogona kuona paanoona kuti zviyero zvipi zvekwereti yako yekwereti yakanonoka uye vangani vanonyadzisa kusvika pakufunga kwekusarudzwa kusingagoneki. Pakati pehurongwa hwekukwegura uye ACP, zviri nyore nyore kune muridzi wemabhizimisi kuti arambe akatarira kune zvikwereti zvikwereti uye kugadzirisa zvinetso zvingakanganisa mari yefirati isati yaitika.