Ubutyebi Boshishino
Ubutyebi buyona yithuba elifutshane kakhulu le miqathango, kuba libhekisela kwikhono loshishino ngokukhawuleza ukuguqula impahla ibe yimali ngaphandle kokulahleka.
Umgaqo usebenza ngale ndlela: Masithi udinga imali. Indlela elula ukuyifumana kukuthengisa impahla.
Ngoko ukhangeleze uze ucinge, "Ewe, ndinokuqokelela kwezinye izinto ezifunyenweyo ." Kodwa awukwazi ukuqokelela ngokwaneleyo, ngoko uzama ukubuyisela iibhokisi ezivulekileyo zokubonelela kwiindawo zokubonelela ngeofisi. Okanye ubuyisela imveliso ethile engasetyenziswanga kumthengisi wakho. Uyazi ukuba uzame ukuthengisa izixhobo, uya kuthatha ilahleko, kuba liye lahla.
Ukuba utywala, unayo impahla eyaneleyo ngemali ukuze ukwazi ukuhlawula iindleko zakho ezikhawulezayo, okanye ukuhlawula abasebenzi bakho. Uninzi lwamashishini alinayo imali eninzi ehleli phantsi, kodwa kufuneka akwazi ukuba anelisekile, evela kwingeniso okanye ekuthengiseni izinto, ukuhlawula iindleko njengoko zifika ngenxa. Oku kubizwa ngokuba yi- cash flow flow , kwaye ithetha ukuthengwa kwemali.
Isisombululo seShishini
Umgaqo we- solvency uhambelana nokuthengiswa kwempahla, kodwa kubanzi ngokubanzi. Ukuba ishishini lisixazulula, linempahla eyaneleyo yokufihla amatyala alo.
Ukuba bonke ababolekisi boshishino babiza ngemali mboleko kwaye bafuna ukuhlawulwa (uhlobo olunjenge 'ukugijima ebhankini' kwishishini), ishishini liza kufuneka lizithengise okanye lilahle izinto ezikhoyo, ngokulahlekelwa.
Isisombululo siyalinganiswa nomlinganiselo wezorhwebo othiwa " umyinge wamanje, " othelekisa izinto ezikhoyo (iimali ezifunyenweyo, ukubonelela kunye neencwadi) kwiimfanelo ezikhoyo (ezo matyala ohlawulwayo kunyaka ozayo, njengeentlawulo, irhafu yentela, kunye iintlawulo zenyanga ngenyanga.
"Umlinganiselo okwangoku" kufuneka ukuba ube ngu-2: 1. Oko kukuthi, ixabiso lempahla yakho yangoku kufuneka iphindwe kabini imali yezixanduva zakho zamanje.
Njengoko ndikhankanywe ngentla, kunzima ukuthengisa impahla ngokukhawuleza ngaphandle kokuba uthathe ilahleko, ngoko ufuna i-asethi ngaphezulu ukuhlawula amatyala akho. Ukunqwenela, ngoko, ubuchule boshishino ukugcina umlinganiselo okhoyo we-2: 1, ngoko unokusingatha iimeko eziphuthumayo kwaye uhlawule iindleko zaso phezu kwexesha elifutshane (ngaphantsi konyaka).
Ubume Boshishino
Umxholo wokuphila udla ngokuxoxwa ngezinto eziphilayo (iintsana ezisandul 'ukuzalwa, ngokomzekelo) kunye nokukwazi kwabo ukuba baphile kodwa bazuze. Ubume boqoqosho kuthetha ukuqhubeka nenzuzo ezinzileyo kwishishini ixesha elide. Akuthethi ukuba yonke ikota inenzuzo, kodwa ukuba emva kwexesha ishishini linenzuzo, elibonelela ngokubhekiselele kwizinto ezikhawulezayo kunye ne-Solvency kwiimfuno zangoku.
Buyela kwindawo yam yangaphambili: amashishini ahlala ephazamiseka ngenxa yokuba ayalibala malunga neziseko:
- Ibhizinisi kufuneka lifumane imali eyaneleyo yokukhawuleza ngokukhawuleza (ukuthengiswa kwemali);
- Ishishini kufuneka sibe neempahla ezaneleyo ukwenzela ukuba ukuba iimali-mboleko mazihlawulwe, iirhafu mazihlawulwe, ishishini liyakubhalela le "iifowuni" kwiimpahla zayo (i-solvency); kwaye
- Ibhizinisi kufuneka liqhubeke linenzuzo, oko kuthetha ukuba iyaqhubeka nokufaka ingeniso engaphezulu kuneengeniso, ngoko ke ukwakha imali kunye nezinye iimpahla (ukufaneleka).
Siseko ye shishini. Ulibale ebudeni bakho.