Chilichonse chomwe mukufuna kudziwa za kuchuluka kwamawonekedwe

kuchuluka kwachuma

Chimodzi mwazikhumbo zazikulu za wochita bizinesi aliyense amene angaganize zodziyimira pawokha pazachuma kuti asiye ntchito muofesi, ndikuti athe kuyambitsa kampani yake kapena bizinesi yomwe angathe nayo kukwaniritsa bwino chuma.

Komabe, ngakhale panali zoyesayesa zingapo kuti akwaniritse zokhumba izi, ndizodziwika bwino kuti ku Spain, ma SME asanu ndi anayi mwa khumi (makampani ang'onoang'ono ndi apakatikati) omwe amapangidwa amalephera asanakwanitse zaka zisanu zoyambirira za moyo. Tsoka ilo, izi zimachitika chifukwa cha kukonzekera pang'ono ndi kufufuza zomwe ambiri mwa amalondawa amachita, otsalira ndi zabwino zokha ndi zolinga zokulitsa mabizinesi awo.

Makamaka, chimodzi mwazida zothandiza kwambiri zomwe zikupezeka mgulu lazachuma kutsimikizira kukhalabe kwa kampani, ndipo koposa pamenepo, kukula kwake kosalekeza, ndichomwe chimadziwika kuti kuchuluka kwamadzimadzi. Kudziwa njirayi kumatha kukhala kofunikira kumakampani ang'onoang'ono ndi akulu, chifukwa ndi gawo lofunikira pamakampani azachuma.

Kodi kuchuluka kwamadzi ndi chiyani?

Amatchedwanso as chiŵerengero chamakono kapena chiŵerengero chamakono, ndi imodzi mwa Zizindikiro zakugulitsa zomwe zikugwiritsidwa ntchito masiku ano kuti zidziwitse kuchuluka kwa ndalama pakampani, ndikupanga zinthu zomwe zingakwaniritse zomwe akwaniritse posachedwa.

Mwa njira iyi, Cholinga cha magawanidwe azachuma ndikuwunika ngati kampani ili ndi zinthu zokwanira kupanga ndalama; Kapenanso mwanjira ina, ngati itha kusintha chuma chake kukhala ndalama zochepa, ndiye kuti, ndalama zapompopompo zomwe zimatha kubweza ngongole zake.

Magawo azachuma

Chimodzi mwazinthu zofunika kwambiri mu Kugwiritsa ntchito kuchuluka kwazinthu, Izi ndizomwe zimatchedwa magawanidwe azachuma kapena magawanidwe azachuma, omwe amapezeka kuchokera pa balance sheet ndi phindu ndi kutayika kwa kampani.

Mwa njira iyi, werengani magawanidwe osiyanasiyana, zachuma komanso zachuma zimapezekanso momwe kampaniyo ilili, zomwe zimatilola kudziwa ngati zili bwino kapena zikadutsa munthawi yoyipa yazachuma.

kuchuluka kwamakampani

Momwemonso, kuwerengera kumeneku kumatithandizanso kudziwa chisinthiko chomwe kampani idachita, zomwe zingakhale zabwino komanso zoipa. Zowerengera zachuma zitha kugawidwa pamilandu yotsatirayi.

  • Mapulogalamu apindulitsa: Amanena za phindu lazachuma kapena lachuma kukumana ndi zolipira ndi ngongole. Mwanjira ina, amayesa kuchuluka kwa kagwiritsidwe ntchito ka chuma cha kampaniyo, mokhudzana ndi kasamalidwe ka ntchito zake.
  • Magawanidwe Kusamala: Amatha kugawidwa kukhala ndalama zogwirira ntchito, chuma ndi kuchuluka kwa mgwirizano.
  • Solvens magawanidwe: Amatanthawuza kukhazikika kwachuma, komwe kumatanthauzira kukhala ndi ngongole ndi chilungamo.
  • Magawanidwe amadzimadzi: Izi zatiuza zakusowa kwamakampani.

Zonsezi Magulu azigawo ali ndi ntchito yopereka zowerengera zenizeni zamakampani pano komanso mtsogolo, ndipo kutengera ngati zili panjira yoyenera kapena mosemphanitsa, njira zimatengedwa kuti zipitilize zomwezo kapena zina, kuwunikiranso njira zachuma zomwe oyang'anira ayenera kuchita kuti athetse zovuta zomwe zingachitike mkampani.

Kodi chiwerengerocho chimakhala chotani?

Pofuna kuwerengera chiwonetsero ichi chachuma, chosiyana mitundu ya chiŵerengero cha madzi. Mwachitsanzo, milandu yotsatira ingatchulidwe:

chiŵerengero chamagetsi ndi chiyani

Chiwerengero chothamanga, mayeso a asidi, kuchuluka kwa mayeso otetezera, kuchuluka kwa magwiridwe antchito, ndi ma account omwe amalandila kuchuluka kwamaakaunti.

Chotsatira tiunikanso kasamalidwe ndi kagwiritsidwe ntchito ka njira iliyonse kuti pakhale kuchuluka kwa kampani:

Chifukwa chamakono: Chiwerengero chaposachedwa chikuwonetsa kuchuluka kwa ngongole zazifupi zomwe zitha kulipiridwa ndi chuma, ndiye kuti katundu yemwe kutembenuka kwake kukhala ndalama kumatha kupangidwa munthawi yofanana ndi tsiku lomwe ngongoleyo idachitika.

Njira yowerengera chizindikirochi ndikugawana chuma chamakono ndi ngongole zomwe zilipo pano. Monga takhala tikuwona, chuma chamakono chimapangidwa ndi zinthu monga: maakaunti amaakaunti, mabanki, masheya osavuta kukambirana (omwe atha kugulitsidwa mwachangu), mindandanda, maakaunti ndi ma bili olandilidwa.

Njira yopezera kuchuluka kwapano ndi izi:

  • Chiwerengero Chamakono = Chuma Chatsopano / Ngongole Zamakono
  • Kukhalapo Kwake = 50.000 / 15.000 Kukhalapo Kwatsopano = 3.33

Mwachitsanzo, kuti mumvetsetse njirayi, taganizirani kuti kampani ili ndi mayuro a 50,000 a zinthu zomwe zilipo ndipo mbali inayo ili ndi ndalama za 15,000 zamayuro zomwe zilipo pakadali pano. Mwanjira imeneyi, monga zikuwonetsedwera, zotsatira za ntchitoyi ndi 3.33, zomwe zikuwonetsa kuti pa yuro iliyonse yomwe kampaniyo ili nayo, ili ndi mayuro 3.33 olipira kapena kuthandizira ngongoleyo kwakanthawi kochepa.

Mwanjira iyi, kuchokera pagawo ili mulingo waukulu wamafuta womwe bizinesi ingadalire ikupezeka, njira yomwe imagwiritsidwa ntchito bwino kwambiri yodziwitsa kuchuluka kwa kampani, komanso luso lolipira. ya ndalama kuthana ndi vuto lililonse kapena zovuta zomwe zingachitike mwadzidzidzi.

Mayeso a asidi: Ndichizindikiro kuti, mosiyana ndi koyambirira, atha kukhala okhwima kwambiri pakugwiritsa ntchito, popeza pano, maakaunti omwe sangathe kuchitidwa mosavuta amatayidwa pazinthu zonse zomwe zilipo, zomwe zimabweretsa chifukwa chimodzi. kuthekera kolipira kwakanthawi kochepa komwe kampani imatha kusewera. Mwachidule, chizindikirochi chimatilola kukhala ndi chiwongolero chokhwima chokhudzana ndi kulipira ngongole zomwe tachita.

Kuyesa kwa asidi kumatha kuwerengedwa pochotsa zotsalira kapena zosungidwa kuchokera ku Chuma Chatsopano, ndikugawa zotsatira za ndalamazo ndi ngongole zomwe zilipo pano.

  • Kuyesa kwama acid = (Katundu Wapano - Zosungidwa) / Ngongole Zamakono

Ratio Yoyeserera Yotetezera:

Chizindikirochi chikutanthauza kuthekera kwa kampani kuti igwire ntchito yake ndi zinthu zomwe zimapezeka posachedwa, poteteza kupeŵa kugulitsa malonda anu kuti muthe kutenga ngongole zanu.

Zotsatira zake, kuchuluka kwa chiwerengerochi kumatilola kuyeza kuchuluka kwa ndalama pakampaniyo kuti itenge ngongole pompopompo osasokoneza katundu yemwe alibe ndalama zokwanira kuti azigwiritse ntchito ngati ndalama zomwe zimaperekedwa pakubweza ngongole zomwe zikuyenera kubwezedwa.

Katundu amene amawerengedwa akagwiritsa ntchito mtundu uwu wa ziwerengero ndi: chuma chomwe chimakhala ndi ndalama komanso zotetezedwa, zomwe zingapewedwe kukhudzidwa kwa nthawi pokhudzana ndi zochitika zina, ndikuti, kusatsimikizika komwe kungachitike ndi mitengo yamaakaunti ena a zomwe zikugwira ntchito pano.

Kuwerengetsa mtundu wa chiwerengerochi, ndalama zonse ndi ndalama kubanki zimagawidwa ndi ngongole zomwe zilipo pano.

  • Chiyeso chodzitchinjiriza = Mabanki amasamba / ngongole zapano =%

Chiwerengero chogwira ntchito:

Chiwerengerochi chimapezeka pochotsa chuma cham'mbuyomu kuzangongole zomwe zilipo, ndikuwonetsa zomwe kampani ikhoza kukhala nayo italipira ngongole zake. Mwanjira ina, ndichizindikiro chomwe chimatsimikizira kuchuluka kwa ndalama zomwe kampani imayenera kugwira tsiku ndi tsiku, chifukwa chake zimatipatsa mwayi wodziwa zomwe zatsala kuti zipitilize kugwira ntchito titatha kulipira ngongole zake zonse.

Kuti mupeze kuchuluka kwa ndalama zogwirira ntchito, njirayi imagwiritsidwa ntchito:

  • Ntchito Capital = Chuma Chatsopano - Ngongole Zamakono

Kuwerengera kwakanthawi kwamaakaunti omwe angalandire:

Kodi kuchuluka kwamadzi ndi chiyani

Pomaliza, tili ndi imodzi mwazinthu za magawanidwe ofunikira kwambiri kuti azindikire kuchuluka kwa kampani. Maakaunti omwe amalandila kuchuluka kwamaakaunti amakhala ndi chisonyezero chomwe chimatilola kudziwa nthawi yapakati pomwe maakaunti omwe sanalandiridwe amatha kusandulika ndalama.

Ndi Chizindikiro chothandiza kwambiri chifukwa chimatithandiza kudziwa ngati zinthu zina ndizamadzi, izi mokhudzana ndi nthawi yomwe zingatengere kuti maakaunti omwe abweza asonkhanitsidwe, ndiye kuti, pamlingo woti atha kusonkhanitsidwa munthawi yoyenera.

Mapeto kudziwa kuchuluka kwamadzimadzi ndikofunikira kotero kuti njira zowoneka bwino zitha kupangidwa mukamakhala pachiwopsezo chachuma, kuzungulira ngongole kapena ngongole zomwe zingakhudze kukhazikika kwachuma pakampani kwakanthawi kochepa.

  • Kuwerengetsa kuchuluka kwamadzimadzi, njira iyi imagwiritsidwa ntchito:
  • Avereji ya nthawi yosonkhanitsira = Akaunti yolandila masiku x mchaka / chaka chilichonse chogulitsa ngongole = masiku

Motsatira

Munkhani yonseyi, tazindikira kuti wotchedwa Liquidity Ratio ili ngati chida chothandiza kwambiri komanso njira zopezera ndalama kubizinesi iliyonse.

Mwachibadwa izo kuonetsetsa kuti muchita bwino, makampani akuyenera kugwiritsa ntchito mitundu yonse yazoyang'anira, koma zonsezi, monga tawonera, kuchuluka kwakanthawi kofunikira ndikofunika kuti chuma chake chisasunthike, zomwe zimamasulira kuti nthawi zonse zimakhala ndi ndalama zofunikira kuti athe kubweza ngongole, ngongole ndi mitundu yonse yazachuma zomwe zingachitike posachedwa.

 


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