Uluphi uLwakhiwo lweZakhiwo kwiShishini elincinci?

Ziziphi iimashishini ezincinci ezifuna ukuzazi malunga neNkunzi

Isakhiwo semali sisakhiwo seemali zangexesha elide, amatyala amatyala afutshane, njengamanqaku eebhanki, ukulingana okuqhelekileyo , kunye nokulingana okukhethiweyo, okwenza imali i- firm firm isebenzise ukusebenza kwayo kunye nokukhula. Isakhiwo esiphezulu senkampani yenkampani yenkampani ngokuyinxalenye yecala lasebhanini layo.

Isakhiwo sophuhliso, ngokubanzi, sakhiwe ngetyala lekhampani kunye nokulingana. Kukho iingqwalasela ngabaphathi kunye nabachaphazelekayo malunga nokudibanisa kwetyala kunye nokulingana ukusebenzisa.

Ngaba kufuneka imali engaphezulu yokuxhaswa kwetyala ukwenzela ukufumana imali ephezulu? Ngaba kufuneka imali engakumbi yokulingana ukukhusela umngcipheko wetyala kunye ne-bankruptcy?

Ngokomzekelo, isakhiwo esiphezulu se-XYZ, Inc. siyi-40% ityala lexesha elide (izibophelelo), i-stock ekhethiweyo ye-10% kunye ne-50% yesitokisi esifanayo.

Yiyiphi iNkunzi?

Inkunzi yoshishini elincinci liyimali nje. Yinkxaso yoshishini elincinci okanye imali esetyenziselwa ukusebenza kunye nokuthenga impahla. Indleko yemali yindleko yokufumana loo mali okanye inkxaso-mali yoshishini elincinci. Iindleko zentengo- mali zibizwa ngokuba yi-sting rate.

Ngaba amashishini amancinane kakhulu akhathazeke ngeendleko zawo? Impendulo yaloo nto iyayibo. Nokuba amashishini amancinci kakhulu afuna imali ukuba asebenze kwaye imali iya kuhlawula into ethile. Iinkampani zifuna ukuba iindleko zibe ziphantsi kangangoko kunokwenzeka.

Inkunzi yinkcitho yamashishini ekusetyenzisweni ngemali. Iindleko zemali- mali nje yerhafu, okanye inzala , inyanzelisa ishishini ukufumana imali.

Ukuze uqondisise indleko yemali, kufuneka uqonde kuqala umgaqo-mali. Imali yamashishini amancinci kakhulu inokuba ngumthengi wekredithi abathembela kuyo. Kwiimashishini ezinkulu, inkunzi ingaba yintengo yemboleko kunye neetyala elide okanye ixesha elide, eziyimfanelo zecandelo.

Ukuba inkampani iyindawo kawonkewonke okanye ithatha abatyale-mali, ngoko ke inkunzi iya kubandakanya i-capital equity okanye isithuthi esifanayo.

Amanye ama- akhawunti angabalingana aya kugcinwa i-earnings , inkunzi-mali, mhlawumbi ikhefu.

Kutheni i-Capital Important?

Ukuze ukwakhiwa kwezityalo ezintsha, zithenge izixhobo ezintsha, uvelise iimveliso ezintsha, uphinde uphuthukise iteknoloji yolwazi, amashishini kufuneka abe nemali okanye inkunzi. Kuzo zonke izigqibo ezinjengale, umnini-shishini okanye iGosa eliPhezulu lezeMali (CFO) kufuneka anqume ukuba ukubuyiswa kotyalo-mali kukukhulu kunendleko yemali okanye iindleko zemali ezithatha ukutyalo kule projekthi.

Abanini-shishini abaqhele ukutyalomali kwiiprojekthi ezintsha ngaphandle kokuba kubuyiselwe kwinkunzi-ntlawulo abayisebenzisayo kule projekti mkhulu kunokuba ubuncinane bilingane neendleko zemali abayisebenzisayo ukuxhasa ezi projekthi. Iindleko zengxowa-mali ziphambili kuzo zonke izigqibo zoshishino.

Iyini Indleko yeNkunzi?

Iindleko zenkampani yenkcitho yemali nje yindleko yemali eyenziwa yinkampani ukuxhasa imali. Ukuba inkampani isebenzisa kuphela amatyala okwangoku kunye netyala lexesha elide ukuxhasa ngemisebenzi yalo, ke isebenzisa ityala kunye neendleko zentengo ngokuqhelekileyo inzala yenzalo kuloo matyala.

Ukuba inkampani iyindawo kawonkewonke kwaye ityala abatyala-mali, ke indleko yenkcitho-mali iya kuba nzima. Ukuba inkampani isebenzisa kuphela iimali ezibonelelwe ngabasomali-mali, ngoko ke indleko yemali yindleko yokulingana.

Ngokuqhelekileyo, olu hlobo lenkampani lunomatyala kodwa lubuye lube nemali ngemali yokulingana okanye imali abanikezeli-mali. Kule meko, indleko yemali yindleko yerhafu kunye neendleko zokulingana .

Ukudibaniswa kwetyala kunye nezimali zokulingana kwenkampani yinkampani yemali yenkampani.