Esifushane kanye nenqubomgomo yezimali eside: i ukuqhathanisa kohlaziyo kanye ukuhlonza umehluko oyinhloko

izinqubomgomo lwezezimali acace (zezimali) amafilosofi, enqophe iwumgomo oyinhloko ezomnotho ibhizinisi - inzuzo. Esifushane neyesikhathi eside izinqubomgomo zezimali izakhi isakhi jikelele inqubomgomo yezezimali inhlangano ibhizinisi. Ngesikhathi esifanayo bazi ukuthi banesibophezelo ezindaweni ezahlukene inkampani.

I yesikhathi eside inqubomgomo yentela kusala ngokuphelele ihlanganisa wonke emjikelezweni wokuphila incazelo ephelele izigaba zalo yokukhula, ukwehla, ukuvuthwa futhi Ukuhoxiswa dolobha endaweni okufaneleka kakhulu kunokunye. Long umjikelezo wehlukaniswa iziqephu enombolweni enkulu ukuba nezikhawu ezimfushane, isikhathi okuyinto ilingana unyaka wezezimali. Ngayinye unyaka ngamunye kwakhiwa short-term yakhe siqu inqubomgomo kwezimali zebhizinisi.

Lezi zinhlobo ezimbili migomo bebodwa, sihluke nomunye izicelo. Inqubomgomo yezimali eside igxile utshalomali ibhizinisi (eside ukutshalwa kwezimali kanye capital), i-short-term Igxila imisebenzi samanje lebhizinisi.

Kukhona umehluko phakathi kwalezi ezimbili izingxenye kwenqubomgomo yezimali ngokuhlanganyela iziqondiso amasu ka emakethe. inqubomgomo esifushane kwezimali kunomthelela ikhambi izinkinga mayelana neziphakamiso zokuhlala izimpahla namasevisi ungakapheli nonyaka, inqubomgomo yesikhathi eside kwezimali kufanele ahlinzeke indawo inkampani emakethe, ngesisekelo izinguquko ikhwalithi, ubuningi kanye ezihlukahlukene izimpahla efanayo kanye nezinsizakalo.

Ukuphathwa kokusebenza esikhathini eside kunciphisa ekuxazululeni izinkinga ezimbili eziyisisekelo:

- sokunquma isakhiwo kanye optimality inani lamanje amafa nezikweletu;

- ukuhlinzeka ngezinga elithile ngezinqubo ezihlukahlukene izimali ukumboza izidingo ngezimali kokusebenza.

I yesikhathi eside inqubomgomo yezimali uma ziqhathaniswa yesikhathi esifushane neyezinto has ezahlukene izinto ukulawula. inqubomgomo lwezezimali esikhathini esifushane ukuphatha bofeleba netinhlavu eside besebenza - primary, okungase emelelwa iqoqo ukusebenza kanye capital-non-zamanje.

Ngokombono ukusebenza ngemibandela le miqondo emibili uncintisana nomunye. Esifushane inqubomgomo yentela ucabangela ekufezeni ileveli enkulu nomholo njengendlela elithile ukusebenza isikhathi eside - inzuzo esiphezulu ngokweqile uma utshala imali.

Lezi zimpawu zokuhlola zisenza sibe umehluko phakathi yesikhathi esifushane neyezinto inqubomgomo yesikhathi eside kwezimali ekunqumeni izinjongo zamasu. Ngakho, lapho okuqanjwe isu zakamuva main ubhekwa ukuzuzwa ukusebenza, namandla athe xaxa okwengamela kanye ezimpahleni ezingasuki phansi, kanye capital usuke abukwe isikhundla Wezezimali kanye ngomzimba wenyama, okungase alinganiswe njengahlukile umthamo production.

izinqubomgomo esifushane emkhakheni wezezimali unesibopho ukuqaliswa imisebenzi ukukhiqizwa ngaphakathi umthamo kuyatholakala ngenkathi ukuhlinzeka uxhaso nezimo, ukwakheka kanye ukunqwabelana ngezimali zabo zezimali nokusebenza kanye capital-non-zamanje.

Kanye umehluko ngenhla lezi zinqubomgomo ezimbili zezimali, kukhona ukuhlobana phakathi kwazo. Esifushane kungenziwa okubhekwa 'esakhelwe "yingxenye inqubomgomo yesikhathi eside yentela. Phela, isiqondiso ukunwetshwa umsebenzi ezimbonini, ukukhululwa kwezimali etholakalayo kokutshalwa kwezimali yenqubo ukukhiqizwa, okuyizinto yisici esiyinhloko esibangela yokuhlelela isikhathi eside esizayo, akhiwa phakathi ibhizinisi.