Chii chinonzi Factoring?

Nechokwadi chese kuti pane kanopfuura kamwe chiitiko iwe wakanzwa nezve ichi chemari chigadzirwa icho chiri icho factoring, asi iwe hauzive kuti chii chinosanganisira, ndoda izvo zvaunogona kutora mukana. Zvakanaka, ndinoziva Zviri nezve chigadzirwa chakagadzirirwa chero muzvinabhizinesi kana nyanzvi uye, kunyanya, yemakambani madiki nepakati nepakati ayo. Kubudikidza nechigadzirwa ichi vanogona kudzikisira kuwanda kwebasa redhipatimendi rekutungamira, kuburitsa kunze accounting iyo inogadzirwa nekutengesa uye kuunganidzwa kwavo, pamwe nekubhadhara kumberi pazuva rakakodzera rekubhadharwa kwemavovhoisi.

Maitiro ayo anozoonekwa nekukurumidza, nekuti ichavandudza purofiti, kugona kwechikwereti uye solvency yemari yekambani yako. Pakati pezvimwe zvakanaka zvekubata chigadzirwa ichi inguva yekuziva, yakajairwa uye yakagadziridzwa ruzivo rwevane chikwereti, kudzikiswa kwemitoro yekutonga kana inorerutsa mutengi account accounting. Iko hakuna kutsanangurwa chimiro chevashandisi makambani eichi chigadzirwa chemari, asi iyo miganho inopihwa nechigadzirwa chakatengeswa uye nemamiriro ekubhadhara.

Ichi chigadzirwa, chisinganyatso kuzivikanwa kune rimwe divi, chakanakira iwo makambani anoshuvira kuvhara njodzi yekukwereta kwevatengi vavo, pamwe nekugona kutarisira, chero nguva, yavo yekumberi kutengesa kuburikidza nemasangano anotengesa izvi chigadzirwa. Zvakare, manejimendi manejimendi manejimendi uye akapusa, sezvo mupi anotumira uye achisaina iyo invoice uye mamwe magwaro kuburikidza nesangano rezvemari. Uye kana mukweretesi agamuchira invoice, inenge yagadzirira kuti huwandu uwedzere.

Zviratidzo

Ndicho mari uye manejimendi ekufambisa, zvichibva pakupihwa kwemavovhoisi: iyo kambani inopa iyo yekutengesa kiredhiti yevatengi vayo kune imwe kambani, inova iri kutarisira manejimendi yayo mukutsinhana kwekufungisisa kunosanganisira komisheni yezve manejimendi masevhisi uye kufarira kwemari (kufambira mberi kwe nguva yakatarwa yekubhadharwa kwema invoice evatengi vako).

Izvo zvinofanirwa kuyeukwa kuti zvinhu zvitatu zvakanyatsosiyaniswa zvinotora chikamu muchigadzirwa ichi chemari, chinova chinotevera:

Factor: Inotungamira kambani kana yemari sangano inopa masevhisi echigadzirwa ichi.

Mutengi: ndiye muridzi wemakambani ekutengesa (invoice) uye anobvumirana neiyo Factoring.

Vakakwereta: vatengi vekutengesa kwevatengi kana masevhisi, pakupedzisira mutengesi.

Sangano reSpanish Factoring rinosimbisa kuti "hapana chimiro chakatsanangurwa chemakambani anoshandisa chigadzirwa ichi, asi miganho inopihwa nechigadzirwa chinotengeswa uye nemamiriro ekubhadhara. Mune mamwe mazwi, makambani ese anogona kuve vashandisi veFactoring, vachitengesa mumusika wepamusha kana kutengesa kunze kwenyika ” Kusvika padanho rekuti ese masevhisi, panzvimbo yekambani yeFactoring, gadzira zvemukati kuchengetedza kwevatengi vavo nekuvasunungura kubva pamutengo unodhura zvakanyanya, wakaoma uye unokonzera kushungurudzika kwemarudzi ese ”.

Kusimbisa maSevhisi

Zvinonyanya kukwezva zvehurongwa uhwu masevhisi akabatanidzwa, ese ehutungamiriri uye emari, ane hukama nemaitiro ekuunganidza ekambani yako, uye ayo ari anotevera anotevera:

Kurongwa kwevatengi: Basa racho rinosanganisira zvese kudzidza uye kuongorora kwevatengi, pamwe nesarudzo yemiganhu yechikwereti iyo inofanirwa kupihwa kune yega yega.

Manage maakaundi anogamuchirwa: Dzakakwana manejimendi uye kuongorora kwemavovoisi akapihwa kukambani yeFactoring, nguva nenguva uchivazivisa nezvezviitiko mukuunganidzwa kweinvoice yega yega uye chinzvimbo cheakaundi dzinotambirwa kubva kune mumwe wevakakwereta.

Kutungamira kwekudzorera uye kusabhadharwa: Izvo ndezve kwekutanga manejimendi anodikanwa kuti uzive izvo zvikonzero zvekusateedzera muripo kune zvingakwanisika mhinduro.

Mariro: yekuwedzera sevhisi, chete muchiitiko chekuti muridzi anoikumbira, uye nekutenda kuchinjika kwayo, inobvumidza mushandisi kurasa zviyero zveavovhoisi akapihwa pamberi, panguva uye huwandu hunodiwa nehomwe yavo.

Kuvhara kwenjodzi yekusabhadharwa kwevakakwereta: kufukidza kusvika ku100% yeuwandu hwemavhoti akapihwa kukambani yeFactoring yakamirira kuunganidzwa, kusvika pamuganho wakapihwa kune mumwe nechikwereti. Iri zvakare basa rekuwedzera, pachikumbiro chevatengi.

Zvakanakira chigadzirwa

Iyi yemari-manejimendi sarudzo inopa akateedzana mabhenefiti kune avo vanoihaya, senge iya yakatarwa pazasi. Kwete chete kubva pakuona accounting, asi zvakare manejimendi, uye muzviitiko zvakawanda mukutungamira kwekambani. Uye izvo zvichave zvinonakidza kwazvo kuti iwe usangane navo kuitira kana pane imwe nguva ukamanikidzwa kuvashandira.

• Deredza mutoro wekutonga uye inogadzirisa mashandiro ekuita.
• Deredza basa rehutongi, iyo inobatsira zvakanyanya kudzikisira kwehutungamiriri, vashandi uye kutaurirana mari.
• Gonesa vatengi account account, Kuwedzera kugona kwekuunganidza manejimendi.
• Inopa ruzivo nguva nenguva, zvakajairwa uye zvakagadziriswa zvevakakwereta.
• Inoshandura mashandiro ekutengesa echikwereti kuita kutengesa mari.
• Dzivisa njodzi yekukundikana nekuda kwezvikwereti zvakaipa.
• Inopa chimiro chemari chekambani ne kusimba kukuru.
• Iyo inobvumira kuronga kwepfuma iyo gonesa kuyerera kwemari.
• Wedzera mari yekugona uye zvakare inovandudza chikwereti ratios.
• Kubva pane yekutengesa maonero, inovandudza chinzvimbo chekambani kupikisana nemakwikwi nevatengi, ichikubvumidza iwe kuti uwedzere musika wako.

Maitiro echigadzirwa ichi

Kune akasiyana marudzi eFactoring, zvinoenderana nemasevhisi aunoda, kana iye ane chikwereti ari mubvunzo. Pakati pavo pane zvinotevera:

Kwete-yekumisikidza kugadzira, hunhu uhwu hunopa mari, ichifungidzira iyo kambani inenjodzi yekukwereta kune vane chikwereti. Zviripachena, iwo mareti mune ino modhi akakwirira zvakanyanya.

Recourse kufakita, umo mutengesi ane njodzi yekukwereta, nekuti iyo kambani yeFactoring haina mutero wekusabhadhara nounokwereta. Maitiro aya anosiyaniswa nekuti hazvireve kuti mari.

Export factoring, kana zvasvika pakushanda kunoitwa nevane chikwereti vanogara kunze kwenyika. Izvo zvinonyanya kubatsira kuburitsa makambani uye maSME asina huremu hukuru, nekuti zvinosanganisira kuburitsa mabasa. NeFactoring, kuburitsa kunze kunenge kwave kutengeswa kwenyika, nekuti chinhu chega chinofanirwa kuitwa kutumira zvinhu, uye kambani inotora zvinhu inotarisira zvimwe zvese.

Mune mhando iyi yekushanda kweupfumi, kumberi hakuwanzo kugadzirwa kana zvinhu zvacho zvikaora zvigadzirwa.

Chibvumirano chemabasa aya

Iyo yekugovana uye kuita kondirakiti maitiro ari nyore kwazvo uye asina kuomarara, zvichitevera nzira yakakodzera nevanhu kana maSME anosarudza kubvumirana nechigadzirwa ichi chemari. Nhanho yekutanga ndeye bata inzvimbo yemari inoitengesa kana kambani yeFactoring, kutsanangura akakodzera mazwi ekuvhiya kune izvo zvinodiwa nemutengi wega uye mutengo wakaenzana.

Kune izvi, kuwedzera kune data rekuzivikanwa rekambani, bato rinofarira rinofanira kupa izvo zvine chekuita nebasa ravo uye iwo anoenderana nevatengi vaunoda kuisa muchibvumirano. Naizvozvo, inofanirwa kuratidza iri rinotevera dhata: huwandu hwekutengesa kunotarisirwa, huwandu hwema invoice pamwedzi, fomu yekubhadhara (bhiri, tsamba yekuzivisa, kuendesa, nezvimwewo) uye avhareji nguva yekubhadhara. Ivo vanozoshanda sehwaro hwekuyera mutengo wekushanda nekambani, uye nenzira iyi, kugona kupa kupihwa kwemamiriro kune mutengi.

Panguva imwecheteyo, iyi mhando yekambani yakasarudzika inodzidza kugadziriswa kwevane chikwereti kuongorora zvakare chikamu chemapepa anotaurirana. Kuburikidza nechibvumirano pane shanduko muridzi weakakweretwa, saka zvimwe zvinodiwa zvinodiwa zvinogadziriswa usati wakwanisa kumisikidza iyi kontrakiti:

• Kuti pane invoice kana gwaro rekutora pakutengesa.
• Kuti ma invoice anobva mukutengesa zviri pamutemo.
• Izvo zvakati kutengesa kwaitwa pachikwereti.

Mushure mekusaina chibvumirano chakakodzera, tsamba inofanira kutumirwa kune vane chikwereti, kuvaudza kuti makasaina kontrakiti nerudzi rwechigadzirwa. Naizvozvo, kubva musi iwoyo, kubhadharwa kwemainvoice kunofanirwa kuitirwa zvakananga kune iyo kambani.

Kugadzira mutengo

Iwo masevhisi anopiwa neichi chigadzirwa chemari anomiririra mutengo kana mutengo uyo unofanirwa kugutswa nevashandisi vemasevhisi ataurwa. Mutengo unonyanya kuumbwa nezvinhu zviviri zvinozvisarudzira. Kune rimwe divi, iyo kubhadhara mari, Yezve masevhisi anoitwa nekambani yeFactoring, iyo inosiyana zvichienderana nenguva yekuunganidza invoice.

Uye kune imwe, chimbadzo, iyo inozoiswa kana uchitora mukana wehunhu hunosanganisira kumberi kwemari. Zvisinei, mutengo unosiyana zvichienderana nemamiriro ezvinhu emusika (zvichibva pamwedzi mitatu yeEuribor pamwe nekupararira, mwero wekupedzisira wemubereko unodzokororwa pamwedzi) uye njodzi inofungidzirwa nekambani inotengesa ichi chigadzirwa chemari.

Bhizinesi zvakanaka

Pakati pebhenefiti mabhenefiti ayo maitiro eiyi mashandiro emari anosanganisira, mumaonero eSpanish Factoring Association, pane zvinotevera zvinhu zvinogona kubatsira nyanzvi kana zvidiki uye zviri pakati nepakati muzvinabhizimusi:

• Inooneka inovandudzika kutengesa manejimendi uye inobatsira zviito zvekutengeserana zvinobudirira.
• Iyo inobvumira iyo yekutengesa network tarisa pabasa rako pasina kuita nzira dzekuunganidza.
• Inotendera zvirinani kuongorora kwevatengi uye kutevedzwa kwavo.
• Deredza mari uye nguva mukugadzirira kwemishumo yekutengesa.
• Inopa kune chaiyo uye inoshanda kuita zvisarudzo.
• Natsiridza chinzvimbo chekambani pamberi pemakwikwi nevatengi.
• Inobatsira zvakanyanya kusumo uye kuvhura misika mitsva.
• Uye, pakupedzisira, inoshanda ku simbisa uye wedzera vatengi.