Indlela yokuphatha iiAkhawunti zakho zeTyala kunye noTyalo-mali lwakho kwiAkhawunti ezifumanekayo
Akuzona zonke igranti zentengo yamashishini amancinane. Kunoko, benza yonke into yabo yokuthengisa ngemali. Kwiimeko ezininzi, oku kubiza abathengi kunye nabathengi ngenxa yokuba, njengalo okanye akunjalo, siphila kuluntu oluqhutywa ngetyala. Ukuba umthengi kufuneka abeke umyalelo omkhulu kwiinkampani, loo mthengi akanakho ukuba nemali yokuhlawula konke xa kwenzeka. Lo myalelo uza kuhamba kwenye inkampani ngaphandle kokuba ibhizinisi lakho elincinci lidlulise i-credit. Amashishini amancinci abhekana nokuhweba. Bamele balinganise iindleko zokunikezela ngetyala malunga neenzuzo zokuthengisa ezongeziweyo.
Uninzi lwamashishini amancinci aneentlobo ezimbini zabathengi. Unabathengi be-B2B okanye abathengi beentengo zemboleko . Ikhredithi yezorhwebo ithengisa kuphela i-credit kwezinye iifenisi. Amashishini amancinci anabathengi be-B2C okanye abathengi abathengi ngetyala, nto leyo yoluntu.
Yintoni eyenza iPolisi yeMgaqo-nkqubo yeNkampani?
Ukuba inkampani yenza uhlalutyo lweendleko / inzuzo kwaye yenza isinqumo esibalulekileyo sokwandisa iikhredithi kubaxhasi bayo, ngoko kufuneka imisele iinkqubo zetyala kunye nokuqokelela i-akhawunti.
Kukho ngokuphindaphindiweyo iinxalenye ezintathu zomgaqo-nkqubo wentengo:
- Imigomo yokuThengiswa
Imigaqo yokuthengiswa komntu wekhredithi kumarhulumente ukuba njani i-firm izakuthengisa iimveliso okanye iinkonzo zayo. Ingaba iqumrhu lifuna ukuthengiswa kwemali okanye liya kwandisa isikweletu? Esi sigqibo senziwe ngenkqubo yokuhlalutya i-credit kunye nokuchonga ukuba ubani onikwe i-credit.
Ukuba ishishini elincinci ligqiba ukunika ikhredithi kumthengi, ngoko kufuneka imisele imigangatho. La magama aya kubandakanya ixesha lokuthenga ngetyala kunye naluphina isaphulelo uthatha isigqibo sokunikezela umthengi kunye nexesha lokuphuhlisa.
Imigomo yokuthengisa ingabonakala ngathi: 2/10, net 30. Oku kuthetha ukuba unikezela abathengi bakho i-2% isaphulelo xa behlawula kwiintsuku ezili-10. Ukuba abayithathi isaphulelo, ibhilikhwe yabo ibangelwe kwiintsuku ezingama-30.
- Ulwabiwo-mali
Xa uqikelela umgaqo-nkqubo wesikweletu, inkampani inquma indlela abaza kunikezela ngayo abathengi kunye namashishini ngetyala. Basebenzisa iindlela ezininzi zokwenza oku kubandakanya ukukrazula iingxelo zetyala , ukuhlaziywa kwe- 5C ye-credit , kunye nekhredithi.
- Umgaqo woQoqo
Ukuba inkampani yenza isigqibo sokunikezela ngetyala kubathengi bayo, kufuneka kuphuhliswe umgaqo-nkqubo wokuqokelela oza kuwusebenzisa ukujonga iakhawunti zekhredithi. Uninzi iinkampani zisebenzisa iindlela ezimbini. Basebenzisa ixesha lokuqokelela eliqhelekileyo kunye neshedyuli yokufumana ukuguga .
Umyinge wexesha lokuqokelela (ACP) uya kuvumela umnini-shishini ukuba azi ukuba zininzi iintsuku, ngokuqhelekileyo, kuthatha ukuqokelela i-akhawunti zekredithi. Umnini-shishini unokuthelekisa ii-ACP kwamanye amafemu kumashishini ayo kunye ne-ACP ukusuka kwenye iminyaka. I-ACP inika umnini-shishini ubutyebi beedatha ukusebenza. Ukuba i-ACP ikhula, umnini-shishini kufuneka athathe isenzo sokuqokelela ngokukodwa kwi-akhawunti yakhe yeebhanki.
I-akhawunti efunyenwe ishedyuli yexesha lokuguga iyisitye esibalulekileyo ngokunjalo. Uyabona ngokukhangela ukuba yeyiphi ipesenteji zeakhawunti zakho zekredithi ziphelile kwaye zingaphi zilahla ukuya kwinqanaba lokuqwalaselwa. Phakathi kwexesha lokuguga kunye ne-ACP, kulula kakhulu kumnini-shishini ukuba agcine iliso kwiakhawunti zekredithi aze alungise naziphi na iingxaki ezinokuchaphazela ukuhamba kwemali ngaphambi kokuba kwenzeke.