ITHOLAKALA KUPHI I zimali, futhi kanjani? ITHOLAKALA KUPHI I umtshali wemali uyobe ibhizinisi elincane, uqalisa umsebenzi?

Running ibhizinisi ngokuvamile kudinga edonsa ukutshalwa abalulekile. Inhlokodolobha elihambisana bangadlala indima juqu ukuhoxiswa ngesikhathi esifanele uqalisa emakethe ethembisa, uthuthukise ukubonwa yayo ingxenye, ukwandisa geography bayo, sesimanje ukukhiqizwa. Lapho kungenzeka ukuthola i zimali? Indlela bakha ubuhlobo obufudumele naye?

Lokhu kwakwenziwa ngayiphi injongo ufuna i zimali?

Ngaphambi bemangele lapho ukuthola zimali, kubalulekile ukuthola ncamashí ukuhlelwa, eqinisweni, ngayiphi injongo ufuna ukucinga abalingani. Ngokuvamile, lokhu inkinga isixazululekile ngumnikazi webhizinisi. Ukukhuthaza zimali kudingwa khona isamba enganele izimali e anawo siqu ukuze uqaphele ngokugcwele iphrojekthi ibhizinisi. Isithakazelo ngokulungiselela uxhaso oludingekayo kungaba, kanye zimali - ukuze kamuva bazuze ekwandeni inzuzo yenkampani.

Yiziphi izindlela ekwakheni ubudlelwano zimali?

Futhi, ngaphambi kokuthi uqale ukucabanga ukuthi ungayithola kuphi imali, usomabhizinisi kudingeka anqume ngalolo oyifunayo ubudlelwane isakhiwo nge amalungiselelo umlingani. Labo kungase kube eziningana.

Okokuqala, ubudlelwane usomabhizinisi nomlingani ozimisele ukunikeza imali, kungaba utshalomali ngqo. Le ndlela yokwenza kuhilela ukuhlinzekwa kwezimali inkampani esenana uzakwethu abathintekayo ekuphathweni oqondile kwenhlangano, kwencazelo isu lebhizinisi.

Okwesibili, ngezimali kungenziwa abathintekayo ngaphansi kwemigomo ye iphothifoliyo utshalomali. Le ndlela yokwenza kusikisela ukuthi umlingani, imali imali ukuthuthukiswa kwebhizinisi, ngenkathi futhi uzuza nengxenye kwelifa loonyana inkampani. Esimweni sokuqala, izinzuzo zimali - ukubamba iqhaza ekuphathweni engase emikhulu ibhizinisi futhi yilungu enethonya elikhulu emphakathini ibhizinisi. Esikhathini umlingani yesibili esimweni ukukhula inkampani, uyakwazi ukwandisa-dolobha yawo.

Yiziphi zimali

Esinye imininingwane ukuthi kudingeka sitadishe ngosizo usomabhizinisi, ngaphambi ekuxazululeni impikiswano nge lapho ukuthola zimali - Ukucabangela imininingwane abalingani uzimisele ukudela amanye amabhizinisi. Izifundo ukuthi babe amaqembu ukuba izinhlelo zomthetho ezifanele, kungenziwa amelelwe: ngabanye, izinhlangano. Bobabili yena, ihlukaniswa njengoba ibhizinisi zimali kanye nalezo uzimisele ukudela kumaphrojekthi ayisisekelo. Abatshalizimali nakho kungase Russian angaphandle.

Omunye umbandela wokuthola Ukwahlukaniswa abahilelekile kule ubudlelwano obusemthethweni nebhizinisi ngezimali - degree of uhulumeni ukuzibandakanya. Kukhona izinhlaka zikahulumeni - iningi imali eningi enikelwa Business usizo ekukhuliseni izimali noma ngokusinika bona. Kukhona inkampani yangasese ngokuphelele.

crowdfunding

Kukhona uhlobo olukhethekile ubudlelwane zomthetho emkhakheni utshalomali - crowdfunding. Leli gama oluhambisana mshini edonsa izimali zebhizinisi kusukela inqwaba abantu - amaqembu ngabanye noma zenhlalo ezimele umphakathi wonkana. Njengomthetho, abatshalizimali ukuhlinzeka izimali osomabhizinisi ngaphakathi crowdfunding, musa ukuthi abeke kubo isiphi isibopho esenana isabelo ibhizinisi noma iqhaza ekuphathweni inkampani. Lesi sici inquma ukuthandwa okwandayo of ubudlelwano efanele. osomabhizinisi abaningi, ecabanga ukuthi ungayithola kuphi imali, ngokuyinhloko ubheke ngokuqondile crowdfunding.

Yini eyayingenziwa nentshisekelo zimali?

Manje, ake sicabangele ezimbalwa ezicashile esisebenzayo agcwele ubudlelwano phakathi osomabhizinisi kanye abalingani ngokuya ibhizinisi ngezimali. Ngakho-ke ngaphambi cabanga lapho ukuthola i zimali yomsebenzi, kufanele sinake isici elikhangayo yephrojekthi ibhizinisi - labo izinkomba lapho umlingani ezingaba uyobheka lapho enza isinqumo ngokuphathelene ukutshalwa kwezimali kule nkampani. Miphi?

Okokuqala, itholakala elizwakalayo njengoba emakethe ukudayisa izimpahla kanye nezinsizakalo ukuthi nkampani inyathelisa. Eyesibili inkomba - Dynamics of the umkhakha. Abatshalizimali unesithakazelo yokuthi umkhiqizo ithengiswe yinkampani, ubekade funa ezimakethe isikhathi eside. Uma Dynamics of the umkhakha esebenza kuwo, inkampani sezingeni eliphezulu, uzakwethu has ukuqinisekisa ukuthi umnikazi uzokwazi ukuqinisekisa ukukhululwa ngesikhathi esifanele kwezimpahla ezingesiyo wawungaphansi imikhiqizo yezinkampani ukuncintisana.

Empeleni, izinga umncintiswano - futhi i kuyinkomba ebaluleke zimali. Kungenzeka akukhetha okusezingeni eliphezulu nezinye eye wangathembeka ngandlela - ongaphakeme. Esimweni sokuqala, zimali kanye usomabhizinisi ingakwazi khona isidingo esitebeleni ngokwanele ngoba emphahleni nokumelana izimbangi ngezithukuthuku izinga eliphakeme noma amanani aphansi imikhiqizo enikeziwe emakethe. mncintiswano okuphansi ikhange kusukela umbono inzuzo yenkampani. Yiqiniso, uma nje ukuthi kuyoba ukufunwa izimpahla ezikhiqizwa yinkampani.

Omunye umbandela kubalulekile lapho kwemukelwa khona isinqumo esihle ngo-zimali mayelana ngezimali iphrojekthi - ukuba semthethweni uhlelo lwebhizinisi. Imakethe kungavela izimo ezikahle kakhulu, elikhulu ezingeni waphawula isidingo kanye nokuncintisana, kodwa uma umqashi alinikezi uhlelo ngaphansi lapho inkampani ziyozuza kwalezi zimo ezinhle eyayikuzo, zimali engabeka engozini amathemba yenkampani zezimali.

Isici esilandelayo lapho kwemukelwa khona umlingani isinqumo esihle kuphrojekthi - zamakhono ithimba, okuyisona umnikazi webhizinisi. Noma siqu sakhe. isimo emakethe kungaba engcono uhlelo lwebhizinisi - nekuchazwa ngokuningiliziwe, kodwa nokusetshenziswa ngeke ezingeni eliphezulu kakhulu ngenxa yokuthi ke oyokwenziwa abantu ongaqeqeshiwe.

Lawa izici eziyinhloko ukuthi usomabhizinisi kufanele ucabangele phambi ecabanga ukuthi ungayithola kuphi i zimali ukuze iphrojekthi. Uma ngempumelelo ixazululwe lo msebenzi, ungakwazi uqhubekele kokucubungula ethize search umlingani izinjini. Kuphi ukuthola i zimali ukuze konemimoya uqalisa noma amabhizinisi emikhulu eRussia?

Indlela yokuthola i zimali ukuze uqalisa?

Thina siqale ukufuna abalingani ngoba imininingwane yalolu umsunguli we uqalisa. Inani oyinhloko inhlobo efanele yebhizinisi - ezithembisa umqondo. Ngokuvamile, it libhekene okwakhe, dissimilarity nabanye imiqondo kakhulu. Omunye umbandela ezibalulekile ekuhloleni amathemba isiqalo - yokuntuleka amabhizinisi yokusebenza ingxenye okuhambisanayo lonke izwe noma endaweni ethize.

Kwenzeka ukuthi usomabhizinisi ngubani uyayixazulula inkinga lapho ukuthola i zimali e Moscow, wanquma nokho ukushintshela yimiphi izimakethe ezindaweni yeRussia, njengoba enhloko-dolobha Russian Ungasavele ukuhola imisebenzi izimbangi. Nakuba amabhizinisi ezifanayo ezindaweni ngeke naye noma ngingekho ngokuphelele njengoba izifundo umsebenti wetemnotfo.

Ngenhla, sixoxe izindlela eziyisisekelo edonsa ukutshalwa kwezimali. Uma kukhona umbuzo mayelana kuphi ukuthola i zimali ukuze uqalisa, izifunda elilungile kulokhu yilezi: ukubandakanywa ka ibhizinisi lokutshala izimali, crowdfunding. Inzuzo yakho kokubili izindlela - akukho ingozi enkulu ngoba usomabhizinisi. Nokho, esimweni ibhizinisi uqagula umnikazi webhizinisi ezimweni eziningi kuye ukuba anikezwe isabelo ifa inkampani - ukukhokhela lolu zinhlobo libhekwa njengoba iphothifoliyo utshalomali. Nokho, kulesi simo, uzakwethu sivame babekezelela izindleko edingekayo ukuze lelisu phrojekthi. Izinzuzo Crowdfunding ibonakala - yikhono ukuheha semali izimali ngokungabi bikho iningi izibopho zimali.

Ngingalutholaphi umtshali wemali uyobe ozimisele ukutshala ekuqaleni abantu abadala njengengxenye uhlelo oluthile?

Uma sikhuluma ibhizinisi zemisebenzi, kukhona inani elikhulu izimali ezikhethekile ukuthi bangene bagamanxe ubudlelwano izinhlelo zomthetho ezifanele. Ziyakwazi in the Russian Federation futhi bathuthele kwamanye amazwe, futhi amelwe izinhlangano kokubili komphakathi kanye nezinkampani ezizimele. Ngezinye izikhathi kwanele nje ukuthola ofanele ngawe ibhizinisi iphrojekthi noma Venture Capital Fund, bese ubone iziphakamiso yezinkampani emathembeni lobambiswano nezinhlangano zangasese.

Indlela yokuthola zimali, futhi kuphi, uma kuziwa Crowdfunding? Le fomethi kusemthethweni cishe ngokuphelele ku-intanethi. Kunezindlela eziningana ezinkulu - kokubili Russian kanye angaphandle - kraudfandingovyh ezisekelweni. Ukusebenzisa kwabo ilula ngokwanele, kodwa kubalulekile ukwenza incazelo afanele iphrojekthi ibhizinisi, ukutshela abangafaka imali emabhizinisini abo mayelana izinzuzo zayo.

Indlela ukucinga umtshali wemali uyobe ibhizinisi elincane?

Cabanga manje lapho ukuthola i zimali ibhizinisi elincane. Ifomethi inkampani kusikisela ukuthi inkampani - hhayi uqalisa, kodwa kakade, kokuba ijubane ucishe eyamukelekayo zebhizinisi. Ukutshalwa kwezimali Kulokhu bafuna ukwandisa noma nesimanje ukukhiqizwa, emikhulu umkhankaso wokudayisa ukwandisa ulwazi ngomkhiqizo esifundeni, izwe noma phesheya. Njengomthetho, amabhizinisi amancane zisekelwa iqhaza zimali abangongoti ukwakha ubambiswano ayisisekelo kanye ezimbonini ezizimele.

Venture dolobha ukutshalwa uvumele simo lapho umlingani ngeke bakwazi ukubuyela izimali zabo siqu ngenxa ibhizinisi akunakunisiza ngokomthetho. Futhi, ubambiswano eliyisisekelo lisikisela ukuthi zimali uzokwazi okungenani ukuqinisekisa zero ukubuya ku izimali zabo, futhi esikhathini esizayo - ukwandisa dolobha ngezithukuthuku ukukhula ibhizinisi.

ITHOLAKALA KUPHI I umtshali wemali uyobe ibhizinisi elincane? Izinkinga ezinjalo zivame ixazululwe ngokuhamba emihlanganweni siqu phakathi osomabhizinisi kanye abalingani engaba abazimisele ukutshala imali ekuthuthukiseni inkampani. Abakwazi owawuzoba kohlaka nemicimbi ekhethekile - izingqungquthela yebhizinisi, round amatafula kanye nezethulo. Kungenzeka ukuxhumana phakathi osomabhizinisi kanye zimali, futhi ngokwethukela, njengalapho ephathini yenkampani lapho babemenyiwe. Inqubomgomo ebalulekile utshalomali - uhlobo ezivamile umsebenzi endaweni izimpahla zezimali. Ulwazi mayelana nabo lungatholwa in the yelucwaningo.

Indlela yokuthola i zimali kokuphakathi ukuze amabhizinisi ezinkulu?

Ngingalutholaphi zimali ukwenza ibhizinisi, okuyinto ibhizinisi elilingene noma ezinkulu? Kuyaphawuleka ukuthi emikhulu lahlala liqinile, nakuba oluthathwa njengoba amabhizinisi naphakathi, njengoba umthetho, kuwubufakazi ngokwako efiselekayo utshalomali target i wezimali abanolwazi, njengoba inzuzo samanje ibhizinisi. Ngakho-ke, kungenzeka ukuba ukufuna umlingani uzimisele ukudela imali kule nkampani, kungenzeka kudingeke ukuba, uma uhlangabezana nenqubo ye inkampani enkulu.

Nokho, ukuze kube kuhle olufanele kungenye umbuzo - lapho ukuthola zimali yangasese, obekungadala umlingani esinokwethenjelwa, ukulungele ukwakha inkhulumomphendvulwano eyakhayo kwebhizinisi. Livu pha it, njengoba umthetho, izindlela ze-non-zomphakathi - ngokusebenzisa ukuxhumana bezimali ezinkulu ngemigudu yangasese. Kodwa kwezinye izimo, empeleni ukuthola i zimali, nasemihlanganweni emikhulu, ikakhulukazi uma kuziwa, isibonelo, kwi nemibukiso ngamazwe. Amathemba yokwakha ubudlelwano nabalingani ngezindlela eziningi zincike abamabhizinisi.

Ngakho, ikhambi umbuzo "lapho ukuthola i zimali ukuze kwakhiwe" kungahluka izinto ezibonakalayo imisebenzi efana ukuthola umlingani emkhakheni kolwazi nobuchwepheshe. ibhizinisi Ukwakhiwa kanye IT - sphere nge ezahlukene nenzuzo kanye nokuthuthukiswa Dynamics. Ngamunye wabo kudinga abaluthole ezithile zimali ekuhlaziyeni amathemba imali inkampani ethile. Kodwa-ke, kukhona bezimali ngokulinganayo kahle ukwakhiwa kanye nobuchwepheshe bolwazi. Ngakho, search utshalomali isu incike ngezinga yenkampani, kanye imikhakha yezomnotho esebenza kuwo. namanye amasu - omunye indlela, futhi amabhizinisi amancane, aphakathi nendawo kanye nezinkampani ezinkulu kuyoba nokwenzeka okuningi zokuqala.

Kuyoba usizo ukucabangela eziningi izincomo osomabhizinisi abaye yanquma ukuthola i zimali, futhi ukusungula ubuhlobo obufudumele kubo. Sizofunda amasu nezindlela okungasetshenziswa kanye kwachazwa ngokuthi jikelele, ngokwanele efanelekayo amabhizinisi yabo bonke ubukhulu - zokuqala, amancane, aphakathi nendawo noma ibhizinisi elikhulu.

Indlela yokuthola i zimali nokwakha ubudlelwano kubo: izincomo

Empeleni, ukufuna zimali ukuze afeze ewusizo ezindaweni zomphakathi lapho abantu ukuxhumana, bazibandakanya emsebenzini owodwa owenziwe eduze profile nkampani. Kuphi ukuthola zimali yangasese ukuze kwakhiwe - akuyona inkinga, kungase kube nzima kakhulu ukusungula ukuxhumana nomuntu engase abe nesithakazelo yokuthengisa. utshalomali Esiphumelelayo - lokhu kuwumphumela temakhono okusezingeni eliphezulu, ngokuvamile kutholakala phakathi lunye ewumngcingo yengxenye wezimali.

Ochwepheshe kulo mkhakha we iseluleko ngokutshalwa kwezimali ukuze abanikazi amabhizinisi kwasekuqaleni ukutshela abalingani engaba ngalokho kweminye imithombo uxhaso okumele asetshenziswe ekubhaleni, futhi siyini ukutholakala zabo zangempela. Lokhu kuzovumela zimali ukuqonda indima yabo e ubuhlobo ibhizinisi usuwulungele yayo ukuvumelana nakho. Ngakho, uma le nkampani iphinde isebenzise izimali loan, umnikazi walo ungenza kucace umlingani ukuthi omunye bangathembela isabelo ezincane lebhizinisi kuka uma zimali uye ngokwezimali mathupha lo msebenzi.

Enye caveat obalulekile - ukuxoxisana izinguquko ekuqaleni izivumelwano. Kungenzeka ukuthi msebenzi ngokuhamba ukuthuthukiswa uzoqala ukukhombisa ucishe inzuzo (noma Dynamics nenzuzo yokutjala) kuka umnikazi webhizinisi kulindeleke noma zimali, ngakho okuyiwona kungase akukhetha ukushintsha i-oda iqhaza zabo kule nkampani.

Usomabhizinisi kufanele kuxoxiswane nomlingani wakho zokuphendula imisebenzi ehlukahlukene ibhizinisi, isakhiwo yayo. Abanye abatshali bezimali zidinga kwakhiwa kuphela imibhalo ezimali yohlobo olufanele, abanye babekhetha ukukhiqiza kanye nokuphathwa yokubika. Lezi umehluko wemisindo nemiqondo yamagama ewusizo ukucacisa ngesikhathi izigaba zokuqala ngokubambisana.

Kubalulekile-ke, hhayi kuphela lapho ukuthola zimali ibhizinisi, kodwa nokuthi ukwenze kanjani ukusungula naye eside ukubambisana. Izinga laphakeme emakhono kwezamabhizinisi njalo baziswa. Ngakho-ke, ekwakheni ngokubambisana ngempumelelo futhi zimali abanentshisekelo. Kufanele bakwazi ukulalela futhi acabangele izithakazelo Wayiveza.

isifinyezo

Ngakho, siye sahlola umbuzo lapho ukuthola real zimali yangasese. isixazululo yayo ngempumelelo incike kwenkululeko umsebenzi kule nkampani, usayizi waso, lizinga kwekhono osomabhizinisi kanye ochwepheshe, ngalo kuyakhanga. Indima ebalulekile udlalwa ngamanye imigomo nemibandela ngezimali liqinile, kanye nokuzimisela yomnikazi, uma kunesidingo, ubuyekeze inqubekela phambili eyenziwe nge isivumelwano zimali lokwakha eside ukubambisana.