Mumari mune imwe jargon uye terminology kana zvasvika pakudoma chimwe nechimwe chezvikamu zvehupfumi. Zvingave zvemumba kana zvemhuri zvehupfumi, bhizinesi, nyika, nezvimwe. Chinhu chose chinobva mumari uye chinogona kuverengwa chinofanirwa kuverengerwa kuitira kuti chisazopedzisira chave nemurwi we data risina zvarinoreva. Uye zvechokwadi, mumakambani, kune yakafara izwi rezvemari, senge Cash Flow.
Munyaya ino tichataura nezvazvo Cash Flow, inozivikanwawo sekuyerera kwemari. Inoverengerwa sei, imhando dzipi dziripo, uye mashandisiro ekuziva kuti kambani inonyungudutsa sei. Pamusoro pezvo, zvinofanirwa kutaurwa kuti kunyangwe izwi iri riripo uye richishandiswa zvakanyanya mubhizimusi renyika, rinogona kushandiswawo muhupfumi hwepamba. Mukupedzisira, zvese zvinouya pahuwandu hwatinahwo kutonga pamusoro pazvo, uye chokwadi, unogona kutora mukana nazvo.
Chii chinonzi Cash Flow?
Kuyerera Kwemari kana Kuyerera Kwemari, itemu rinoti zvinoreva mari yese inopinda nekubuda yekambani, mupfungwa yakafara. Kunyangwe ichishandiswa se thermometer uko kuyerera kwemari kwakanaka kunonzwisiswa seine pundutso kukambani, dambudziko remari haringoreve kuti kambani haina purofiti. Muchokwadi, kuyerera kwemari kunogona kushandiswa kuwana zvinotevera zvinhu:
- Matambudziko emari. Panogona kunge paine kuyerera kwemari kwakashata, pasina zvinoreva kuti kambani haina purofiti. Muchokwadi, chinangwa ndechekutarisira uye kuona zviyero zvemari.
- Kuziva basa rekudyara mari rinogona kuita sei. Nekuda kwekuyerera kwemari, iyo mambure akakosha uye chiyero chemukati chekudzoka chinogona kuverengerwa uye kudzoka kweramangwana pakudyara kunogona kutsanangurwa.
- Kuyera purofiti kana kukura kwebhizinesi. Izvo hazvina kunyanya kudikanwa, asi panogona kuve nemamiriro ezvinhu umo zviyero zve accounting hazvimiriri zvizere chokwadi chehupfumi chekambani.
Zvadaro, kune marudzi matatu eCash Flow, zvichienderana nekuyerera kwemvura yaunoda kuongorora. Kubuda kwemari yekushanda, kuyerera kwemari yekudyara, uye kuyerera kwemari. Tinotevera tichavaona.
Kushanda Kwemari Kuyerera
Kuyerera kwemari kubva kumabasa (FCO) ndiyo huwandu hwemari inogadzirwa nebhizinesi. kubva pamabasa nemashandiro ayo. Inobvumira kuziva zvose zvinopinda uye kubuda kwemari kubva kumabasa ekushanda, saka zvakaoma kushandura. Mukati mayo unogona zvakare kusanganisira mari kune vatengesi, vashandi, kutengesa, nezvimwe.
Mari inowanikwa inosanganisira ese ane chekuita nekutengesa nemasevhisi, kuunganidzwa uye zvinogamuchirwa mukati mekutengesa ikoko. Zvakare mari yese kubva kune vatengi, pamwe neHurumende uye / kana rubatsiro kana kubhadhara kwekutenga kwezvinhu.
Chekupedzisira, mukati memubhadharo, izvo zvine chekuita nezvigadzirwa kana zvigadzirwa zvekuzotengeswa gare gare zvinogona kuverengerwa. Uyewo kubhadhara kune vatengesi nevashandi, pamwe chete nemitero iyo inobhadharwa kuHurumende yakabva mukushandiswa kwechiito.
Investment Cash Flow
Mari yekudyara ndiyo inobuda uye kubuda kwemari inobva mumabasa ekutsvaga mari yekambani. Mukati mayo, zvigadzirwa zvemari zvinogona kushandurwa kuita liquidity, zvakadai sekutenga kweimba pamwe chete nezvinhu zvinooneka uye zvisingabatiki zvakagadziriswa, zvinogona kuverengwa. Zvakare kutenga kwemichina, mari kana kutora. Dzese nguva dzose kuitira kuwana purofiti mune ramangwana.
Kubhadhara Kuyerera Kwemari
Iyo mari yekuyerera kwemari ndiyo mari kubva kumabasa emari. Zvinogona kuva zvose mari inobva kana kubhadharwa kubva kuzvikwereti, nyaya dzekugoverana, kutenga uye / kana zvikamu, semuenzaniso. Izvo zvese izvo liquidity inouya kubva kumabasa ekubhadhara mari, kureva, zvikwereti uye mari yake yekambani munguva refu. Zvakare zvinosanganisirwa nyaya dzemabhondi kana kuti capital capital, inomiririra liquidity inflows.
Verenga kuyerera kwemari muhupfumi hwemhuri
Kunyangwe richifanira kunge riri basa kune chero mhuri kana munhu, verenga mafambiro emari rinogona kuva basa rakaoma, kana kuti, yakakora. Zvakawanda zvekushandisa kana mabhenefiti atinawo haaonekwe muakaundi yazvino. Kana tikabhadhara nemari, kufembera, kutenga zvinhu zviduku zvatinogona kuita kunyange parwendo, zvose zvinofanira kuverengwa. Kana panzvimbo pacho marisiti achiratidzwa, mavara atingave tinawo, rendi yemba kana iriyo, nezvimwe.
Kuzviverenga, chete nyora pasi zvese zvakaiswa nezvatinazvo, chinhu chikuru chinoiswa kazhinji kazhinji muhoro wedu. Kana isu tichizvishandira, ma inputs ari mari inochinja-chinja zvakanyanya. Kuyerera kwemari kunofanirwa kuitwa pachine nguva kuti tione mapurofiti edu zvichienderana nebasa ratinoita.
Zvikurukuru kuverengera kwaizova kunotevera. Kuyerera Kwemari = Mabhenefiti Akawanda + Amortizations + Provisions.
Kuve nekutonga kwemari yedu uye kuve nekufamba kwakanaka kwemari kunotibvumira kutarisira mabherari akanaka atingaite zvikwereti mune ramangwana. Kubva pakutenga imba, kuisa mari yasara.