Yomibini imigaqo yokufaka izinto kunye nokuqinisekisa inxulumene nenkxaso-mali yeshishini. Nangona kunjalo, zombini, ngaphandle kokujongana nento efanayo, zahlukile. Ngaba uyawazi umahluko phakathi kwe-factoring kunye nokuqinisekisa?
Kweli nqaku sifuna ukukuxelela malunga neendlela zombini kwaye sikuxelele ukuba yintoni umahluko (okanye umahluko) okhoyo phakathi kwala magama mabini. Ngaba siqale?
Yintoni i-factoring
Ukuqonda umahluko phakathi kwe-factoring kunye nokuqinisekisa, kubalulekile ukuba, ngaphambi kokwenza njalo, wazi kakuhle ukuba ibinzana ngalinye libhekisa kwintoni.
Ke, kwaye ngokuqala nge-factoring, kufuneka uyibone njengekhontrakthi apho inkampani, ebizwa ngokuba yi "factor" ithatha uxanduva lwe-invoyisi ezishiyekileyo zenye inkampani ngokutshintshiselana ngeyongezelelweyo, enokuba yikomishini.
Ukwenza kube lula kuwe ukuyiqonda. Khawufane ucinge ukuba unenkampani kwaye unee-invoyisi ezininzi ezisalindelweyo. Yiyo i Awunakuziqokelela okwangoku kuba imini ayikafiki. Nangona kunjalo, ufuna imali ngelo xesha.
Uya kwinkampani ekhethekileyo, into, ejongene ne-invoyisi. Oko kukuthi, uyakunyusela imali yezo invoyisi aze ayibuyise xa kufika umhla obekiweyo. Kodwa, ukongeza, ufumana ikhomishini ngokutshintshiselana. Umzekelo, endaweni yokukunika i-euro ezili-1000, eziya kuba zii-invoyisi, ukunika i-900..
Ngaphakathi kwi-factoring kunokubakho iimodeli ezimbini ezahlukeneyo:
Akukho ncedo
Kule meko, into (inkampani eyamkela ii-invoyisi) kuqala yenze uphononongo ukuze ibone ukuba iyazithatha na okanye hayi.
Ngokufumana uncedo
Ezi ziimeko apho, xa unikezela ezo zi-invoyisi, ukuba azihlawulwa, inkampani eyamkeleyo inoxanduva lokungahlawuli. Ngamanye amazwi, Ukuba nabani na otyalayo akahlawuli, inkampani eyamkele ii-invoyisi kufuneka ihlawule.
I-priori, unokubona ukulinganisa njengento elungileyo, ngenxa yesantya sayo kwinkxaso-mali yexesha elifutshane, ukuba bhetyebhetye ekunikayo okanye ukuphuculwa komlinganiselo we-balance sheet inikezelayo. Nangona kunjalo, asiyiyo yonke into elungileyo, kuba ukuba umntu otyalayo (umdwebi) akahlawuli, inkampani ehambisa i-invoyisi kuya kufuneka yenze njalo.
Yintoni eqinisekisa
Ngoku ukuba ucace gca malunga nokuba yintoni i-factoring, masiqhubele phambili ekuqinisekiseni. Kwaye eli gama likwanento yokwenza nenkxaso-mali yeshishini. Nje ngendlela eyahlukileyo.
Ukuqinisekisa kunokucingelwa njengendlela apho iqumrhu lentlawulo (okanye inkampani) lihlawula ii-invoyisi zomthengisi kwangaphambili. Igcina ezo invoyisi kwaye iziqokelele kamva.
Ngamanye amazwi:
- Umthengisi une-invoyisi engenako ukuqokelelwa de kube lixesha elifanelekileyo.
- Iqumrhu lifumana ezi odolo zentlawulo kwaye lazise umthengisi de kube nini na xa engayi kuyifumana imali. Kodwa inokukunika inketho yokuhlawula kwangaphambili.
Njengoko kunjalo nge-factoring, Ukuqinisekisa kungabakho kunye nempendulo (apho umboneleli ethatha intlawulo) okanye ngaphandle koncedo (liqumrhu elithatha ukungahlawuli).
Njengokufaktha, ukuqinisekiswa kwakhona kuneenzuzo ezininzi, ezifana nokuphucula ubudlelwane borhwebo phakathi kwababoneleli kunye nabaxumi, ukungabi nolawulo oluninzi lolawulo, ukukwazi ukwandisa ixesha lokuhlawula ababoneleli (esazi ukuba baya kuhlawulwa ngokukhawuleza) ... Kodwa kananjalo iingxaki. Enye yezona zinto ziphambili kukuba ayisasetyenziswa kuba ukuncitshiswa okuphezulu kwexesha lokuqokelela kusetyenziswe kwiintsuku ezingama-60., into ababoneleli abaninzi abanokunyamezela ngayo. Kwaye, ngokuqinisekileyo, into yokuba ukuba intlawulo ayifezekanga, ingaba nefuthe kwi-pocket yabo.
Umahluko phakathi kokuqinisekisa kunye nokuqinisekisa
Ngoku unemiqondo ecacileyo. Ke ngoku lixesha lokubona umahluko phakathi kwe-factoring kunye nokuqinisekisa. Enyanisweni, ayikho nje enye, kodwa ezininzi. Kodwa eyona inkulu kuzo zonke, kwaye leyo inokukunceda ukwahlula igama elinye kwelinye, yile ilandelayo:
I-Factoring isoloko iqhutyelwa kubaxhasi; ngelixa ukuqinisekiswa kumalunga nababoneleli.
Oko kukuthi, bobabini banabasebenzisi abahlukeneyo.
Ngoku, njengoko sikuxelele, Kukho ezinye iindidi zeeyantlukwano ezi zilandelayo:
- IFactoring ngokwenene yinkonzo yokuqokelela. Kwaye ayiqinisekisi? Into eqinisekileyo kukuba hayi, ziintlawulo. Enyanisweni, ukuba uyayinxulumanisa noku kungasentla uya kuyiqonda ngokulula ngakumbi.
- I-Factoring ibandakanya ukuhlawulwa kwangaphambili kwee-invoyisi, okuthetha ukuba inkampani inemali nangona ingekaqokeleli kubathengi bayo. Ngokwenxalenye yalo, into eqinisekisayo kukunika intlawulo kubaboneleli babathengi.
- I-Factoring imele inzuzo eyongezelelweyo kwinkampani kuba ifumana ukuguquguquka xa ifumana imali kubathengi. Kwaye ukuqinisekisa kunenzuzo yokuba ababoneleli baziva bekhuselekile ngakumbi ekwazini ukuba baya kuhlawulwa ngokukhawuleza nokuba umhla awukafiki.
Ngoku uyazi ukuba yintoni ingcamango nganye kunye ne umahluko phakathi kokuqinisekisa kunye nokuqinisekisa, kuya kuba lula kuwe ukusisebenzisa okanye ukucela ukuba uyakufuna.