Mukati mebhizinesi renyika, imwe yemifungo, pamwe isinganyatso kuzivikanwa, ndeye yekusimbisa. Iko manejimendi ekubhadhara pakati pevatengi nevatengesi, asi inoenderera zvakanyanya.
Kana iwe uchida ziva kuti chii chinosimbisa, Ndedzipi mhando dziripo, mashandiro avo uye zvakanakira nekuipira zvavanazvo, pano tagadzirira ruzivo runoshanda nezvazvo.
Chii chiri kusimbisa
Sekureva kweRAE (Royal Spanish Academy), ichisimbisa inogadziriswa seinotevera: "Chibvumirano chinoitwa nesangano rezvemari, mukutsinhana nekufungisisa nezvehupfumi, kutarisira kubhadhara kwezvikwereti zvemuzvinabhizimusi".
Mune mamwe mazwi, inosanganisira - inopa sevhisi inotungamirwa nekambani kune vanotengesa, kukwanisa kubhadharisa kubhadhara pamberi kana musi wakatarwa wemainvoisi avanopa.
Kusimbisa kunoshanda sei
Kusimbisa mabasa kuri nyore sei kutsanangura. Kune rimwe divi, isu tine inishuwarenzi yemari (iyo inowanzo kuve iyo inotarisira izvi). Izvi zvinotora basa rekuita kuripwa kwezviteedzero zvemainvoisi zvakapihwa nevatengesi. Yakati kubhadharwa kunogona kuitwa pasati pasvika nguva yekupedza inivhoisi, kana musi iwoyo, uye mune iyi nyaya mutengesi anowanzo kuve iye wekusarudza (zvichibva pane zvinovakodzera).
Invoice, saka, inofanira kutumirwa kunzvimbo yemari, nepo mutengi achifanira kuve nemari yakakwana yekuchengeta huwandu hweavo invoice. Nekudaro, zvinogona zvakare kuitika kuti mutengi abhadhare mari iyoyo mushure megore rakakodzera reinvoice. Kana izvo zvikaitika, kazhinji inhengo yemari inoshanda sosi yemari kumutengi, kubhadhara mutengesi uyezve kuwana mari iyoyo nemubhadharo wemutengi (uye mutengi anobva atora kufarira uye mari).
Mhando yekusimbisa
Mukati mekusimbisa, kune matatu marudzi aripo, uye yega yega ine nzira yekuita yaunofanira kufunga nezvayo. Izvi ndeizvi:
Iine uye pasina kumberi chikwereti
Mwanakomana mhando mbiri mukati meboka rimwe chete sezvo paine yekusimbisa pasina kutarisira, kana imwe ne.
Panyaya yekutarisira, zvazvinoita ndezvekuti vanopa rubatsiro vanogona kuwana mubhadharo pasati pari zuva rinonyatsodiwa, nekudaro vachitora zvido nemari. Mune mamwe mazwi, isu taizotaura nezvekubhadhara chimwe chinhu usati wagamuchira, asi uine vimbiso yekuti chichagamuchirwa, hongu.
Kana pasina tarisiro, saka iko kuti kubhadharwa kwezvinhu izvo kune vanotengesa zvichaitwa zvinoenderana nezuva reinvoice painenge yakwana, ndiko kuti, invoice painofanira kubhadharwa, kwete pamberi.
Kusimbisa pamwe uye pasina kubatsirwa
Imwe mhando yekusimbisa yauinayo ndeyako kana kana pasina rubatsiro. Sezvinei, kana paine chokwadi kubva kune vanopa kuti ivo vachachaja yako invoice, kunyangwe mutengi achibhadhara kana kwete (zvingave zvisina kubatsirwa); kana kana vari ivo vatengesi vanozove nebasa rekusabhadhara kana, kana nguva yakatarwa yasvika, mutengi haana kubhadhara invoice.
Zvinoenderana nezuva rekubhadhara mutengi
Mune ino kesi, isu tiri kutaura nezverudzi rwekusimbisa kunoenderana ne iyo nguva iyo inobhadharwa nemutengi. Uye mune ino kesi panogona kuve nekufungidzira kwakati wandei, senge kuti anozviita zuva risati ratarwa rekubhadhara, kuti anozviita pazuva rake rakakodzera, kana kunyangwe kuti anozviita gare gare, mune iyi nyaya achimhanya pamwe nemubereko nemari zvinosanganisira.
Banking kana isiri-bhanga ichisimbisa
Chekupedzisira, iwe une maviri akasiyana manhamba, iyo bhangi ichisimbisa uye isiri iyo bhangi imwe.
Chii chinonzi kubhengi? Ndipo apo bhangi rinopa sevhisi. Iyi ndiyo yakajairika nekuti ndiyo inoshandiswa munzira dzese dzakapfuura.
Chii chinonzi asiri bhanga? Iko kupi kunopa sevhisi haisi bhangi. Mune ino kesi, makambani emari ari kushanda asi iwo haazi emabhangi.
Zvakanakira iyo inokupa iwe
Mushure mekuziva kuti chii chiri kusimbisa, kuti chinoshanda sei uye nemhando dziripo, unogona kunge uchiri kushamisika kana zviri izvo zvakakunakira iwe. Uye hongu tinogona kutaura izvozvo Iyo ine zvakwakanakira zvakati wandei, zvese kune vatengi nevatengesi. Asi ndezvipi izvi? Tinotaura nezvavo:
Zvakanakira kusimbisa vatengi
Mukutaura, chimwe chekutanga mabhenefiti ayo vatengi vachazove nawo, pasina mubvunzo, kuchengetedza mubhadharo manejimendi manejimendi. Ndokunge, hauzove nemunhu anoona nezve maneja, nekuti hazvidiwe. Pamusoro pezvo, nekupa sarudzo yakachengetedzwa yakachengetedzeka kune vanopa rubatsiro, unenge uchivapa chengetedzo uye zita rako richakura nekuti zvinoreva kuti uri kurevesa.
Uyezve, iwe unodzivirira matambudziko nekubhadhara, uye izvo zvinobatsira hukama nevatengesi kuti huve nani, nekuti ivo vanoziva kuti vari kuzobhadharisa uye kuti hapana chichaitika chingakanganisa icho.
Kune vanopa
Imwe yemabhenefiti ndeye kuwedzera kwemari, pamusoro pekusafanirwa kushandisa mitsara yemari (uye nekudaro kudzivirira matambudziko emunguva yemberi). Uye zvakare, ivo vanogona kuve nesarudzo mbiri, kungave kutarisira mavovovo, kana kumirira zuva rekubhadhara.
Kukanganisa kwekusimbisa
Zvino, sekukuudza kwatakaita nezve zvakanakira (uye kusimbisa kwakanaka sei), hatigone kudzivisa kujekesa kuti hazvisi zvese zvakanaka. Pane zvimwe zvinokanganisa zvaunofanira kufunga nezvazvo kana uchifunga nezve iyi nzira yekubhadhara.
Uye ndeapi matambudziko anogona kusimbiswa kupa? Sezvatakaita nezvakanaka, tinozvipatsanura pazasi:
Kune vatengi
Panyaya yevatengi, kubheja pakusimbisa kunoita dzimwe nzira dzekubhadhara hadzigone kushandiswa. Uye zvakare, ndiye mutengi iye pachake anofanirwa kutora mutoro wese nekuzvipira kwekufunga kusarudza chigadzirwa.
Kune vanopa
Vatengesi vane "njodzi" huru nekusimbisa nekuti ivo ndivo vanofanirwa kutakura mutengo wepamberi uye kuti, dzimwe nguva, kunyanya mune zvimwe zvigadzirwa, zvinogona kudhura zvakanyanya. Chii chimwe, Haisisiri iro rinoti tanga kuunganidza; ndiye mutengi anopa iyo yekubhadhara odha, kwete ivo.
Uye, chimwe chinokanganisa, inyaya yekuti mashandiro epasi rose ekubhadhara, kunyanya kana achishanda mune avo vari munzvimbo iri kunze kweeuro, haigamuchirwe.