BDR - kuyini? Ukuhlela nokuphatha izindleko e MDD: kanjani ukuthatha kahle ku-akhawunti izindleko

ibhizinisi ngayinye kumele ngenkuthalo ukusebenzisa leli thuluzi ukuphathwa njengoba isabelo sezimali engenayo kanye nezindleko (ngemuva kwalokhu - BDR). Kuyini lokhu? Zama ukuqonda lesi sihloko.

izincazelo eyisisekelo

Ngalinye lebhizinisi inezidingo isici BDR uhlelo lwayo, kuye kukhethwa isu ezezimali, kanye imigomo. Ngakho-ke, ngokuchaza le MDD, kuyini futhi iyini injongo yaso, kufanele kuqondwe ukuthi njengenhlangano ubuchwepheshe zokuphatha kunoma iyiphi inkampani ehlose bafinyelele imigomo yabo kanye asebenzise izinqalasizinda kanye namathuluzi.

Izabelomali yabhalwa inkampani sisonke kanye amayunithi zayo ngazinye. Ukudweba up imali ibhajethi kanye nezindleko is a plan umsebenzi, esihlelwe kuwo wonke yebhizinisi, elihlanganisa amabhajethi ehlukile futhi esibonakala ngokuqina ukugeleza ulwazi isinqumo ukuphathwa izixazululo emkhakheni ezezimali. Lesi sabelomali kubhekwa ngokoMthetho Imininingwane lohleliwe engenayo kanye nokuphuma kwemali. Ngakho, umbuzo ka ngabe BDR - okungukuthi, kungashiwo wagomela ukuthi lokhu kuwumphumela izingxoxo eziningi izinqumo esikhathini esizayo mayelana nokuthi kwenzekani inkampani, okuyinto enomthelela abaphathi bayo kahle ukusebenza kanye zezimali.

Izibalo abazenzi ngesikhathi kumiswa isabelomali, ukuvumela isikhathi ngokugcwele ukunquma inani lemali ukuze kuqaliswe izinqumo ezithathwe. Kulokhu sikhuluma kumiswa olungenayo umthombo idatha izindlela (isib waboleka noma siqu).

Ukuhlola ukusebenza kwe BDR

Kuyini lokhu umqondo futhi lokho kungasilimaza singenakulinganiswa kanjani, kungaba kuphela wahlulelwe kakade isikhathi paniruemom. Ngakho, indlela degree of nezimo of ibhizinisi ibhizinisi sobala, sibonga kokubona imiphumela isinyathelo sokuphatha, umphumela incike isabelomali ukuthuthukiswa. ukuhlela lwezezimali , isabelo sezimali kuhilela ukuthola izilungiselelo eziyisisekelo ukuze ithole isiqondiso ngamunye umsebenzi mayelana nale ndaba, kanye ekubalweni ongakhetha ahlukahlukene ne ukulungiswa impendulo izinguquko kungenzeka imvelo ngaphakathi kanye nabangaphandle.

umsebenzi isabelomali

Le misebenzi incike ukwakheka esigabeni of MDD kanye nokuqaliswa kwalo. Ekuqaleni sekubika, idokhumenti zezimali uhlelo yokuthengisa, izindleko kanye nezinye kwemali ngonyaka ozayo. Lwathi luphela sekubika, kakade udlala indima ethengiswayo (imitha), ngazo kungenzeka ukuqhathanisa langempela kanye nemigomo yemisebenzi izinguquko okulandelayo imisebenzi inkampani.

CFB futhi BDR umsebenzi ofanayo futhi kungenziwa emelelwa uhlu elandelayo:

• Analytics (isu ukulungiswa, rethinking imibono, ngokuzibekela imigomo emisha kanye nokuhlaziywa izindlela);
• ezezimali;
• akhawunti yezimali (kumelwe sicabangele futhi acabangele izenzo kakade esikhathini esedlule ukuze senze izinqumo ezinhle esikhathini esizayo);
• Isilawuli kwezezimali (ukuqhathanisa imisebenzi imiphumela eyatholakala, ukuhlonza ubuthakathaka futhi eqinile);
• ugqozi (ukwahlulela kwakhiwa umusho uhlelo uma kwenzeka ukwehluleka kokusebenza kwalo, futhi lapho ukukhuthazwa kanye overfulfillment ke);
• ukubambisana;
• zokuxhumana (ukubambisana okuhloswe yezigaba isakhi ibhizinisi, ekutholeni ukusilela kanye nokuhlanganiswa obhekene lokhu noma lokhuya iphuzu we plan).

Qhathanisa BCF futhi BDR

BDR (kwesabelomali engenayo kanye nezindleko), kanye CFB (cash flow ibhajethi) - imibhalo eyinhloko zezimali okufanele ethulwa, isibonelo, izikhungo yasebhange ukuthola credit. Nokho, phakathi kwalezi zinto zombili kunomehluko:

• CFB isebenzisa indlela imali, i-BDR - isisekelo accrual;
• MDD ihlela inzuzo net, futhi nokusetshenziswa CFB kuhlelwe nokuphuma kwemali ;
• MDD kubonakala impahla digital ngaphandle intela engaqondile ezifana VAT kanye mkhuba imisebenzi, futhi CFB zonke izinkomba elicacisiwe Ngenxa yalezi izintela;
• Lezi zincwadi ezimbili kufanele umehluko isakhiwo: e MDD has izihloko ezihlobene ukwehla futhi revaluation, futhi BDS kukhona izihloko ku irisidi futhi ukubuya kwezimali waboleka;
• futhi, kusobala, umehluko ukuqokwa yale mibhalo: BDR inikeza sokubalwa izindleko kuhlelwe, inzuzo, ezingenayo kanye inzuzo, futhi CFB Isidingo sokugada kwemali esandleni nomsinga akhawunti ibhizinisi.

Izigaba main of the Ibhajethi ngesikhathi ibhizinisi

Isigaba sokuqala Ukwakheka kwezitho isakhiwo sezimali futhi ihlose ukuthuthukisa imodeli we sezakhiwo ezinjalo, okungase kuholele ekukhishweni umthwalo isabelomali nokulawula umsuka izimali kanye nezindleko lapho kuzona.

Isinyathelo sesibili kuhilela kumiswa izakhiwo kanye amabhajethi kuchazwa njengendlela jikelele zamagama uhlelo ukuphathwa isabelomali inhlangano. Kulesi sigaba, ukunakekelwa okukhethekile bafanelwe izindleko kwesabelomali ibhizinisi.

Ngokusho imiphumela esigabeni sesithathu Ukwakheka kwezitho ezimali kanye nenqubomgomo yezimali ibhizinisi. Ngamanye amazwi, kwakha iqoqo imithetho ezimali, ukusebenza kanye ukukhiqiza accounting ngokuphathelene imikhawulo yokutholwa ekulungiseleleni isabelomali kanye nokuqapha ukuqaliswa kwayo.

Isigaba sesine kuhilela ukuthuthukiswa oda nezinqubo zokuqapha, ukuhlela kanye nokuhlaziywa, uma kwenzeka - izizathu ukuhluleka kwawo.

Futhi ekugcineni, esigabeni yesihlanu ixhunyiwe kakade ukwethulwa oqondile kohlelo izimali. Kufaka imisebenzi okuhlotshaniswa ukulungiswa amabhajethi yezimali nokusebenza kuze kuphele isikhathi siyeza, eqhuba ukuhlaziywa efanele, imiphumela okuyinto ngokuvamile ungenza izinguquko ezithile ukuze amabhajethi. Ngenxa yalokho, kufanele kube iholo sfomirovany kanye nezindleko ibhizinisi in ubukhulu edingekayo.

Three tindlelanchubo ekwabiweni kwezimali

Ezincwadini yesimanje, zikhona izindlela ezintathu lapho kwakhiwa sihloko BDR:

• "Ngezansi-up";
• "Phezulu phansi";
• kuhlangene.

Indlelanchubo yekusebentisa lokuqala isetshenziswa amabhizinisi ezinkulu, lapho izinhloko ukwahlukana isakhi ingxenye yesabelomali zeminyango noma izigaba, okuyinto eminye kwehliswa izabelomali esitolo noma lonke isitshalo. inhlangano Okudingeka we isabelomali ukuvumelana phakathi abaphathi ukusebenza nabaphathi abaphezulu lenkampani.

ISIBONELO BDR indlela yesibili ibonisa ukuthi ekwabiweni kwezimali Kwenziwa ukuphathwa phezulu, nokuphathwa Amayunithi ungqimba aphansi kancane abathintekayo.

Indlela yesithathu ozinzile impela futhi ubangela ukuba sigweme imiphumela omubi odlule izindlela ezimbili.

Ibhajethi Izinzuzo

Njenganoma yimuphi mkhuba kwezomnotho, uhlelo lokusebenzisa imali sinemacala okuhle nokubi. Izinzuzo zihlanganisa:

• Ukhuthaza isimo esihle kanye nogqozi band;
• iqondisa umsebenzi ithimba wonkana;
• ngokusebenzisa ukuhlaziywa njalo olwenziwa ivumela ukulungisa isabelomali ngesikhathi;
• Kuyinto ithuluzi uqhathanisa imiphumela lohleliwe kanye langempela.

Ibhajethi amaphutha

Phakathi amaphutha ezinkulu okulandelayo kumele ezigqanyisiwe:

• umehluko bezibona izabelomali abantu ezahlukene;
• Izindleko eziphezulu zokuthola nokuba yinkimbinkimbi ekwabiweni kwezimali;
• ukungabi nogqozi kwesabelomali uma asilethelwa nolwazi bonke abasebenzi.