Katundu wouma! Zowopsa 6 zazikulu zamabizinesi otumiza kunja zomwe anthu ochita malonda akunja ayenera kudziwa

M'zaka zaposachedwa, chiwopsezo komanso ngongole zoyipa mubizinesi yotumiza ndi kutumiza kunja kwakhala zikuchulukirachulukira, zomwe sizimangopangitsa kutayika kwa chiwongola dzanja, komanso kumawonjezera chiopsezo pakapita nthawi, zomwe zimakhudza kwambiri chitukuko chokhazikika chakunja. mabizinesi amalonda. Choncho, nkhani ya chiopsezo yakhala ikudetsa nkhawa kwambiri. Nthawi zonse, kuopsa kwa malisiti otumiza kunja kumaphatikizapo zinthu zisanu ndi chimodzi izi:

1Chiwopsezo cholandira ndalama zakunja chifukwa chosagwirizana ndi zomwe zaperekedwa komanso masiku omwe ali ndi mgwirizano

Wogulitsa kunja sanapereke monga momwe zalembedwera mu mgwirizano kapena kalata ya ngongole.

Choyamba, malo opangira zinthu adaphonya ntchito, zomwe zidabweretsa kuchedwa;

Chachiwiri ndikusintha zinthu zomwe zafotokozedwa mumgwirizanowu ndi zinthu zofananira;

Chachitatu, mtengo wogulitsira ndi wotsika, ndipo ndiwopanda pake.

2Chiwopsezo cha kusonkhetsa ndalama zakunja chifukwa chosowa zolemba

Ngakhale zimanenedwa kuti ndalama zakunja ziyenera kuthetsedwa ndi kalata ya ngongole ndi kutumizidwa pa nthawi ndi khalidwe lapamwamba, koma pambuyo potumiza, zikalata zomwe zimaperekedwa ku banki yokambirana sizinagwirizane ndi zikalata ndi zikalata, kotero kuti kalata ya ngongole ikulimbikitsidwa. chitetezo chokwanira.

Panthawi imeneyi, ngakhale wogula akuvomera kulipira, amalipira mtengo kulankhulana mayiko amalipiritsa ndi kuchotsera kwa kusagwirizana pachabe, ndi nthawi kusonkhanitsa ndalama zakunja kuchedwa kwambiri, makamaka kwa mgwirizano ndi ndalama zochepa, ndi 20. % kuchotsera kumabweretsa kutayika.

3Zowopsa zomwe zimadza chifukwa cha ziganizo zamakalata a ngongole

Makalata ena a ngongole amanena kuti satifiketi yoyendera makasitomala ndi imodzi mwamakalata ofunikira pakukambilana.

Wogula adzalandira chidwi cha wogulitsa kuti atumize ndikusankha mwadala, koma nthawi yomweyo amapangira njira zosiyanasiyana zolipirira kuti apangitse kampaniyo kutumiza. Katunduwo akatulutsidwa kwa wogula, wogula amatha kuyang'ana dala katunduyo ngati akusiyana, kuchedwetsa kulipira, kapena kutaya ndalama ndi katundu.

Kalata yobwereketsa imanena kuti zikalata zotumizira zidzatha kunja kwa masiku a 7 pambuyo pa kuperekedwa kwa zikalata zotumizira, etc. Ngakhale banki yokambirana kapena wopindulayo sangatsimikizire mawu oterowo, ndipo ayenera kutsimikiziridwa mosamala. Pamene chiwongoladzanja chikuwonekera, chiyenera kudziwitsidwa kuti chisinthidwe panthawi yake.

4Palibe dongosolo lathunthu la kasamalidwe ka bizinesi

Ntchito yotumiza kunja imakhudza mbali zonse, ndipo mbali ziwirizi zili kunja, zomwe zimakhala zovuta.

Ngati bizinesi ilibe njira yathunthu yoyendetsera bizinesi, mlandu ukangochitika, zipangitsa kuti pakhale zomveka komanso zosagonjetseka, makamaka kwa mabizinesi omwe amangoyang'ana pafoni.

Kachiwiri, pamene makasitomala a kampani akuchulukirachulukira chaka chilichonse, kuti kampaniyo ikhale ndi chandamale pazamalonda, m'pofunika kukhazikitsa fayilo yabizinesi kwa kasitomala aliyense, kuphatikizapo creditworthiness, voliyumu yamalonda, ndi zina zotero, ndikuziwonetsa chaka ndi chaka chaka kuti muchepetse ngozi zabizinesi.

5Zowopsa zomwe zimachitika chifukwa cha ntchito zosemphana ndi dongosolo la bungwe

Kwa bizinesi yotumiza kunja, machitidwe enieni a bungwe la bungwe ndikuti wothandizira samapititsa patsogolo ndalama kwa kasitomala, phindu ndi kutayika zimatengedwa ndi kasitomala, ndipo wothandizira amangolipira ndalama za bungwe.

M'mabizinesi enieni tsopano, izi sizili choncho. Chimodzi mwa zifukwa ndikuti ali ndi makasitomala ochepa komanso kuthekera kwake kusonkhanitsa ndalama zakunja ndizovuta, ndipo akuyenera kuyesetsa kukwaniritsa zomwe akufuna;

6Zowopsa zomwe zimachitika chifukwa chogwiritsa ntchito D/P, D/A njira zolipirira patsogolo kapena njira zotumizira

Njira yolipirira yochedwetsedwa ndi njira yolipirira yopita patsogolo, ndipo ngati wogulitsa kunja avomereza njira iyi, ndizofanana ndi kupereka ndalama kwa wogulitsa kunja.

Ngakhale kuti woperekayo amalipira mwaufulu chiwongoladzanja chochedwetsedwa, pamwamba pake amangofunika wogulitsa kunja kuti apite patsogolo ndi ngongole, koma kwenikweni, kasitomala amadikirira kubwera kwa katunduyo ndikuyang'ana kuchuluka kwa katunduyo. Ngati msika ukusintha ndipo malondawo sali bwino, wobwereketsa akhoza kuitanitsa banki kukana kulipira.

Makampani ena amamasula katundu kwa anzawo akusukulu ndi anzawo omwe amachita bizinesi kunja. Ndinkaganiza kuti ndi kasitomala waubwenzi, ndipo panalibe vuto lakulephera kulandira ndalama zakunja. Pakachitika malonda osauka a msika kapena mavuto a kasitomala, si ndalama zokha zomwe sizingabwezedwe, koma katunduyo sangabwezedwe.