Amabhanki ngumthombo ogqithiseleyo wokuxhaswa kwetyala , kodwa ityala linakhokishwa yinkampani yabucala okanye nokuba ngumhlobo okanye ilungu lentsapho.
Iingenelo zokuTyala kweMatyala
- Gcina ubunikazi: Unyanzelekile ukuba wenze iintlawulo ezivunyelwene ngazo ngexesha olibolekayo kwi-bhanki okanye omnye umboleki, kodwa oko kukuphela komsebenzi wakho. Ugcina ilungelo lokuqhuba ibhizinisi lakho nangona ukhetha ngaphandle kokuphazamiseka kwangaphandle.
- Ukuncitshiswa kweRhafu: Oku kukukhanga kakhulu ukuxhaswa kwetyala. Kwiimeko ezininzi, inkokhelo yenqununu kunye nenzala kwimali-mboleko yezoshishino ibalwa njengeendleko zoshishino kwaye, ngoko ke, unokuncitshiswa kwingeniso yeshishini lakho kwithuba lerhafu. Kunceda sicinge ngo rhu lumente "njengeqabane" kwishishini lakho kulo mzekelo, nge-30% yebhanki yobunini okanye nayiphi na irhafu yerhafu .
- Inzala engaphantsi: Hlaziya impembelelo yokuncitshiswa kweerhafu kwinqanaba lentlawulo yebhanki. Ukuba ibhanki ikuhlawula iipesenti ezi-10 zemboleko yakho kunye nekarhulumente irhafu kwiipesenti ezingama-30, kukho inzuzo yokuthatha imali mboleko onokuyidla.
Ukusilela kwiMali yeMali
- Ukuhlawula: Uxanduva lwakho kuphela kumbolekisi kukuba wenze iintlawulo zakho, kodwa kuya kufuneka wenze ezo ntlawulo nokuba i-shishini lakho liphumelela. Kwaye ababolekisi bakho baya kuba nebango lokubuyiselwa kwemali ngaphambi kokuba nawuphi na utyalo-mali-mali xa unyanzelekile ukuba ungene kwi-bankruptcy.
- Amanani aphakamileyo: Nangona emva kokubala isantya somdla osaphuculwayo kwimali yokuncitshiswa kweerhafu, usenokuba ujongene nenqanaba eliphezulu lezala kuba ezi ziyahlukahluka ngeemeko ze-macroeconomic, imbali yakho kunye neebhanki, ukulinganiswa kweentengo zekhredithi kunye nembali yakho yemboleko.
- Iimpembelelo kumlinganiselo wokuthenga ngetyala: Kungabonakala kukhangelekile ukuqhubeka nokuzisa ityala xa inkampani yakho idinga imali, isenzo esaziwa ngokuthi "ukunyuka," kodwa imali nganye iya kuphawulwa kwingxelo yakho yekhredithi kwaye iya kuphazamisa ukulinganiswa kwesikweletu sakho. Xa uboleke kakhulu, uphakamileyo umngcipheko uya kuba ngumboleki-mali ukuze uhlawule umyinge ophezulu kwi-mboleko nganye.
- Iimali kunye nentlondi: Nangona uceba ukusebenzisa imali-mboleko ukuba utyalomali kwi-asethi ebalulekileyo, uya kufuneka uqiniseke ukuba ishishini lakho liza kuvelisa ukuhamba kwemali eyaneleyo ngexesha ixesha lokuhlawulwa kwemboleko lihleliwe ukuqala. Kanti nawe uya kucelwa ukuba ubeke ubambiswano ukuze ukhusele umnini-mboleko kwimeko apho ungekho phantsi kweentlawulo zakho.
Ezinye iindlela zokuThuthwa kweMatyala
- Ukuxhaswa ngemali : Oku kubandakanya ukuthengisa izabelo zeenkampani zakho kubatyali-zimali abanomdla okanye ukubeka imali yakho kwinkampani.
- Ukuxhaswa kweMezzanine : Esi sixhobo setyala sinika amashishini angakhuselekanga amatyala-akukho nkonkcoko iyadingeka - kodwa i-tradeoff inzala ephezulu, ngokubanzi kwi-20 ukuya kwi-30 yeepesenti. Kwaye kubanjwa. Umboleki unelungelo lokuguqula ityala ngokulingana kwenkampani ukuba inkampani ingafezekanga kwiintlawulo. Imali ye-Mezzanine iyabhenela kubasomashishini ngenxa yokuba inikezela ngokukhawuleza, kwaye ibhanki ekhuphayo ngokuqhelekileyo ayifuni ukuba yi-equity holder nangona ityala linokuguqulwa ekubeni lilingane. Abakhangeleli ukulawula inkampani.
- Uxhasomali lwama- Hybrid: Iinkampani ezininzi ziya kudibanisa netyala kunye nezimali zokulingana ukuxhasa imali yazo. Ingaba umba uya kuba ngumlinganiselo ochanekileyo? I-theory ye-finance efana ne-Modigliani-Miller theorem echaza ukuba kwimarike epheleleyo, ngaphandle kweerhafu, ukubaluleka kwenkampani kuyafana nokuba ihlawulwa ngokupheleleyo ngetyala, ubulungisa okanye i-hybrid. Kodwa oku kucatshangelwa ukuba yinto ecacileyo kakhulu kuba iinkampani zangempela kufuneka zihlawule irhafu kwaye kukho iindleko ezinxulumene ne-bankruptcy.
Amatyala / Ukulingana kweeNgqesho
Umlinganiselo / ityala lokulingana lithetha ukuhlula ityala lakho lilonke ngokulingana kwakho. Bobabini abathengisi kunye nabatyalomali bafuna ukubona le nombolo ukuba bafumane ingcamango yendlela usebenza ngayo ngokuqinisekileyo ngemali yakho. Bayafuna ukwazi apho utyalo-mali lwabo uhlala khona xa iqumrhu lakho lihamba.
Abanikezeli-matyala banokubaluleka kunabanikazi beebhanki ekubuyeni imali kwi-bankruptcy.
Uyakuthi uthabathe ityala elithile kumanqanaba okuqala, kodwa qaphele ukuba "ukukhwabanisa" iqine lakho lithelekiswa nalo lonke iqhinga lakho. I-Bizstats.com inikeza indlela elula yokujonga ubungakanani bakho benkokhelo ngokulinganisa uluhlu lweebhenkmark zoshishino. Ukubhankwa kweebhanki kukuphakathi kwamashishini afuna ukubeka ingcinezi enomlinganiselo we-29, ngelixa izixhobo zombane ziza kungena 0.7.
Ixesha lokuSebenza ngeMali-mboleko
Umboleki uya kufuna iintlawulo zentlawulo kwi-mboleko yayo emva nje kokuba imali ihlawulwe. Oku kuthetha ukuba uya kufuna imali ukuze uqale ukwenza iintlawulo ngexesha elifutshane. Nangona ishishini elikhulayo liyakwazi ukufumana imali-mfutshane xa imali yayo ibotshwe kwizixhobo okanye ukuba ngaba abathengi abakhokheli. Xa ucinga ngokuthatha ityala, zibuze:
- Ngaba ndiyisebenzisa le mali ukutyalomali kwiindleko ezichaziweyo okanye eziguquguqukayo? Ukuba utyalomali kwiindleko ezinqamlekileyo njengesixhobo esitsha, mhlawumbi awuyi kubona nayiphi na imali ebuyisela kuyo imali kwixesha elisondeleyo. Kodwa ukuba ufuna imali ukutshala imali kwiindleko ezifana nezixhobo zemveliso ozenzayo okanye iindleko ezihambelana nomthengi ngamnye omtsha, utyalo-mali kufuneka udibanise imali yokungena.
- Yintoni abathengi bam? Abaxhasi abahlawula ngokukhawuleza kwixesha kubalulekile ekuphumeni kwemali kunye nokukwazi kwakho ukuhlawula amatyala. Qaphela imilinganiselo yokuhlawula abathengi bakho kwaye ujonge izibonelelo zokuba uhlawule ngokukhawuleza. Hlola ngemibutho kunye nabakhuphiswano ukuqinisekisa ukuba imigaqo yakho yokuhlawula ihambelana nemigangatho yoshishino lakho.
- Ndiphi kwindawo yam yokuphila? Ukuxhaswa kwematyala kunokuba yingozi kwiinqanaba zokuqala zenkampani. Mhlawumbi ulahlekelwa yimali ekuqaleni kwaye oku kungonakalisa amandla akho okwenza iintlawulo ngexesha. Inzuzo yakho yomnatha iya kuba yinto ephantsi ukwenzela ukuba iintlawulo zerhafu ziya kuba zincinci. Njengoko ishishini lakho likhula kwaye likhula, ityala libe yinto enamandla. Inzuzo yerhafu iya kuba mkhulu, ukuhamba kwakho kwemali kuya kuqikelelwa ngakumbi, kwaye umngcipheko ojongene nawo kwi-bankruptcy enokuthi uyancipha njengoko usebenze ixesha elide.