Ukubheka nge-recourse futhi ngaphandle kokuthola usizo, kusebenza kanjani?

    i-factoring

Yini empeleni ukufaka amaphuzu?

Ukwenza amaqiniso kuyindlela yezezimalinoma kuhloswe ngokuyinhloko kumabhizinisi amancane naphakathi naphakathi. Le nqubo iqukethe inkontileka phakathi kwenkampani abakweleta yona, esungula inkampani ekhethekile ukuqoqwa kwamakhredithi abo anikezwe amaklayenti abo asilele, izinkampani ezisebenza ekubhaliseni ezaziwa nangokuthi izinkampani zezinto, zinikeza nezinsizakalo zezezimali , ukuphathwa nokuphathwa kokutholwayo, kanye isiqinisekiso sokukhokha.

El imakethe yebhizinisi Ibibandakanyeke kusethi yezindlela ezintsha lapho kuthintwa khona izinkontileka, ikakhulu ezivela ezimakethe zaseNyakatho Melika, ezishintshe izindlela zokuphatha ibhizinisi, singabala ezinye ezinjengalezi: ukuqasha, ukuqashisa, wazi kanjani, ukuthengisa, ukwenza i-franchising kanye ne-Factoring ukusho ezimbalwa.

ESpain, izinhlangano ezihlanganisayo zifakwe ezinkampanini zezezimali, ezihambisana noMnyango Wezomnotho Nezezimali, ngomthetho 3/1994 ka-Ephreli 14, owamukela imithetho yaseSpain ku-II Directive European.

ukuqasha
I-athikili ehlobene:
Ukuqasha ngokuqashisa

Umehluko phakathi kokuthola usizo nokufaka izinto ezingezona ezokuphepha

ukufuna kabusha ulwazi

Ngokuthola usizo

Ku ukufaka ama-recursnoma, inkampani ezophatha futhi iqoqe ama-invoyisi ekhasimende, ngeke ibe nesibopho uma kungakhokhelwa noma kukhokhwe sekwephuzile amalungelo okuqoqwa, ngakho-ke ayithathi ingozi yokuthengiselana.

Ngalokhu, ngiqonde ukuthi ngeke babeke engcupheni yokwehluleka kwemali ababolekisi abanayo, bakwazi ukubuyisela kwiklayenti inani eligcwele lezikweletu ezingakhokhiwe.

Akukho usizo

El Ukwenza izinto ezingezona ezokuphepha Kuphambene ngokuphelele nalokhu okukhulunywe ngenhla, ngale ndlela, inkampani eqashe insizakalo yokufaka izinto emafayilini ngeke ibhekane nomuntu okweletayo uma kwenzeka ehluleka ukukhokha izikweletu, ngakho-ke yinkampani eqoqa amaphuzu ebhekele ukucabanga ngengozi ekhona kokusebenza okwenziwe phakathi kweklayenti nomhlinzeki, futhi noma ngabe owokugcina enze ukukhokha kwangaphambili kwama-invoyisi ekhasimende lakhe, ngeke akwazi ukucela imali kusengaphambili.

Kulokhu indlela yezimali, inkampani yamafemu izophatha ukucabanga ubungozi bokuhluleka ukukhokha izikweletu okungenzeka ukuthi okweletwayo wamakhredithi anikiwe angawethula, kuze kufike kumkhawulo wokumboza obekade usungulwe esivumelwaneni.

Izinzuzo zokusebenzisa nokunikeza okungezona okokuzijabulisa okunikezwayo

the-ukwenziwa kwamaqiniso

Ukuhlanganiswa kwamafayela sekuhlanganisiwe Eminyakeni yakamuva, kube ngelinye lamathuluzi asetshenziswa kakhulu futhi azuzisayo emkhakheni webhizinisi, ngoba leli thuluzi eliwusizo livumela ukuhlukanisa ngendlela ehlelekile, kanye nokubeka imithetho njalo emalini engenayo etholwa yizinkampani, ibasize bathole imali ngokushesha .

Izinzuzo eziyinhloko zokufaka kabusha ama-recourse: Phakathi kwemvume eminingi enikezwa yila modality kumakhasimende ayo, ukusebenza kwayo okucacile kwanoma iyiphi indlela yokukhokha nanoma yimuphi umkhakha womsebenzi webhizinisi ugqame kakhulu, kuvunyelwana phakathi kwebhange namakhasimende, amarisidi, izindleko zokudluliswa kokuphathwa phakathi kwamanye amaphepha ezentengiselwano. Ngaphezu kwalokho, kulokhu kunezelwa isici sokuthi iyahambisana nezinsizakalo ezahlukahlukene ezihambisanayo ezihlinzekwa yisikhungo sezezimali esinikezwe inkontileka ukwenza ukuphathwa, ukuphatha, ukubalwa kwezimali, phakathi kokunye.

Izinzuzo eziyinhloko ze-non-recourse factoring: Ngaphezu kokukwazi ukuthola kusengaphambili ukukhokhwa kwama-invoyisi iklayenti elikweletwayo, ithuluzi lokufaka amaphuzu ngaphandle kokuthola usizo, lamukela ubungozi bokungakhokhi okungenzeka bube khona, kanye nezijeziso ezingaba khona ezingase zivele futhi zihlawulise lokho ukungakhokhi kuzofaka phakathi.

Ngale ndlela, umuntu oziqashile noma inkampani enenkontileka yesevisi yokufaka izinto ngaphandle kokuthola usizo izokwazi ukungayinaki ngenkululeko ephelele izehlakalo ezingase zenzeke, yize kunjalo le nzuzo enkulu icabanga intengo ephezulu kunokufaka ukuthengiselana ngokufuna usizo. Yini enye, Ukwenza izinto ezingekho emthethweni kunenzuzo enkulu yokukwazi ukunciphisa imininingwane ye-accounting, ukususa izimpahla, ama-akhawunti wamakhasimende kanye nokuxhasa ngemali ngendlela ehambisanayo.

Ngubani obambe iqhaza ku-Factoring?

ukuhlanganisa-iSpanishi

-Isici:

Okungaba yibhange lokonga, ibhange, noma i-Financial Credit Establishment enikezela ngezinsizakalo ze-Factoring.

-THI IKlayenti:

Noma iyiphi inkampani ekhiqiza isikweletu esithile sezentengiselwano futhi edinga insizakalo ye-Factoring ukuqoqa izikweletu zayo ngempumelelo.

-IZIKWELETI:

Bangabantu ababophezelekile ukukhokha izikweletu zokuhweba abazinikezwe.

Ukwenziwa kwamaqiniso kuyithuluzi lezezimali lesikhashana, okubhekiswe ezinkampanini ezincane neziphakathi nendawo, ngasikhathi sinye enikezela ngezinsizakalo zezezimali futhi ithuthukise nezinsizakalo zokuphatha, zokuphatha nezokuqinisekisa ngenxa yokushoda kwezinsizakusebenza zabakweletwayo bemalimboleko enikiwe.
Leli thuluzi lifaka ukubhalwa kwenkontileka, okuyinkampani ekhethekile eyaziwa ngokuthi yinkampani ethengisa izincwadi ephethe ukuqoqa izikweletu, ama-invoyisi, amanothi ezethembiso, amarisidi kanye nokuqoqwa kwamakhredithi asasele.

Ngalesi sivumelwano, inkampani yokuhlola izonikezela ngezinsizakalo eziningi yesimo sezezimali nokuphatha senkampani eqasha amasevisi ayo, phakathi kwayo esingagqamisa kuyo:

izici

  • Ukuphathwa kweqoqo nokuphathwa ezikweletini ezingakakhokhwa, amaklayenti akweleta inkampani ehlola izinto. Ezimakethe zanamuhla, izinkampani ezincane neziphakathi nendawo ziphoqeleka ukuthi zinikeze amakhasimende azo izindawo zokukhokha, zehlukanisa futhi zihlehlise ukuqoqwa kokuthengiswa kwemikhiqizo noma izinsizakalo ezikhiqizayo. Ngalesi sizathu, inani lamakhredithi alinde ukuqoqwa lenyukile, lokhu kuzuzise izinkampani ezisebenza ngamaqiniso.
  • Uphenyo lwezezimali lwamakhasimende, ukuthi banezikweletu ezisilele enkampanini yamafektri nokuhlukaniswa kwabo ngokuya ngesiqinisekiso sokuxazululwa kwezomnotho okufanele bakhokhelwe, amakhasimende anakho. Imininingwane ebalulekile yenkampani, umsebenzisi lapho enikeza izikhungo zezikweletu. Inhloso eyinhloko ukunciphisa inani labakhokhayo abe ubuncane.
  • Ukuphathwa kokuphathwa kwamaqoqo nezinkokhelo: Siqukethe umsebenzi wokuphatha, umphumela womsebenzi wokuphathwa kokuqoqwa. Le nkampani efakiwe izonciphisa izindleko zokuphatha nokuphatha. Inkampani ehlola izinto kufanele ihloniphe isikhathi esinqunyelwe ukuqoqwa esisungulwe phakathi kwenkampani ehlola izinto kanye namakhasimende ayo abakweletayo. Inkampani izothumela izaziso kwabakweletayo ngaphambi kokuphela kwamakhredithi.
  • Kuyadingeka Qaphela ukuthi zonke lezi zinsizakalo zifaka izindleko. Ikhomishini noma imali yokufaka amafomu iba phakathi kuka-0.5% no-2% wenani eliphelele lama-invoyisi abelwe, kuya ngenani labakweletayo, indawo, phakathi kwezinye izinto. Ngaphezu kwalokho, uma inkampani ehlola izinto icela inkampani ehlola ukuthi ithuthukise inani lamakhredithi athile, kuzokhokhwa imali ethile.
  • Ukuthola imali ngokukhokha kusengaphambili ama-invoyisi. Lokhu, ngaphandle kokungabaza, yinsizakalo ebaluleke kakhulu enikezwa izinkampani ezifake ezinkampanini ezingabasebenzisi, futhi yiyona enikele kakhulu ekuthuthukisweni nasekuvunyelweni kwayo emakethe yamazwe omhlaba. Inkampani ehlola izinto ibophezelekile ukuhlinzeka inkampani enenkontileka kusengaphambili, inani lamakhredithi elinayo namakhasimende ayo, ngenhloso eyodwa yokwenza ngcono ukwenziwa kwemali yayo.

Ukuqagela Ijwayele ukusetshenziswa eSpain ayisiyo-recourse factoring. Lokhu kusho ukuthi inkampani eqoqa amaphuzu, eyaziwa ngokuthi yi-factor, ithatha ubungozi bokungakhokhi okweletayo.

Ukwenza izinto ezingekho emthethweni kufinyelela ezilinganisweni eziphansi, ezincane, njengoba i-akhawunti ekweletwa amakhasimende kanye ne-premium ehambelana nayo yezimali zebhange iyanyamalala. Lokhu kuvumela inzuzo engcono, ngokungafani nalokho abaningi abakucabangayo, amashidi ebhalansi ancishisiwe mahle uma ukhuluma ngokwezezimali.

Ububi bokwenza amaqiniso

Kodwa-ke, ukufaka amaphuzu kunezinkinga ezithile ezifana nalezi:

El uhlobo lwentshisekelo, okubiza kakhulu esimweni sokumiswa kwamaqiniso okungekho emthethweni. Ngokunengqondo, unikezwe ubungozi inkampani efakwayo eyithathayo lapho ithatha izikweletu.

Amakhasimende okufanele akhokhe ngokudluliswa noma ngesheke lapho kufanele, njengoba kwenzeka njalo kulabo abafakwe amafemu, anedumela elibi lokuphuza ukukhokha. Okuholela ekutheni inani lenzalo liphakame, futhi nezindawo zokuhlala ziphakeme ngoba imigomo iyandiswa. Futhi ngezikhathi ezithile, lokhu kugcina kuyimbuyiselo, lapho isici singasenakuthwala ukulinda futhi sikukhokhise ngqo ku-akhawunti yekhasimende ngomonakalo wezezimali ofanele. Kusukela ishiye inqubo yokuqoqwa komkweleti, imvamisa inalezi zici.

Izidingo eziyinhloko zokufaka izincwadi

Kufanele kukhunjulwe ukuthi ukugcinwa kwamaqiniso kugxile kumakhredithi ezentengiso ahlangabezana nalezi zidingo ezilandelayo:

  • Ukuthi imisebenzi eyenziwe ngebhizinisi elejwayelekile leklayenti.
  • Ukuthi ukuthengisa bekuye ezinkampanini.
  • Ukuthi imikhiqizo ethengisiwe ayinakonakala.
  • Ukuthi amakhredithi abhaliswe njengama-invoice afanelwe ukwenziwa.
  • Ukuthi indlela yokukhokha ayiyona yesikhathi eside.

Ukufeza lezi zidingo ezilula, ukuthola insizakalo yokufaka amafomu kuyithuluzi elilula lokuliqonda futhi ulisebenzise, ​​kanye nomnikezeli wabo bobabili abathintekayo esivumelwaneni, ukuthola imiphumela emihle isikhathi esiningi.

yini ukufaka amaphuzu
I-athikili ehlobene:
Kuyini i-Factoring?

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.