IzimaliIzimali zomuntu

Inani lamanje - ekubalweni utshalomali

Abatshali abaningi bezimali kwadingeka ukuba siphelelwe ubuthongo futhi esesuthi ngomzamo ukunquma indlela ephumelela kakhulu ukunciphisa ingozi utshalomali , wandise enzuzweni ezokwakhiwa. Nokho, kubalulekile kuphela ukwandisa ukwazi ukufunda nokubhala kwezomnotho. Inani lamanje kuzovumela i okuningi ukubukeka umgomo ngesikhathi izinkinga zezimali. Kodwa kuyini na?

izimali

Ngaphambi sikhuluma ngezindaba ezifana inani lamanje, kuzomele uqale ukubhekana imiqondo isikhonzi. engenayo Positive (nokuphuma kwemali) kukhona izimali angene ebhizinisini (isithakazelo wathola, yokuthengisa, izimali amasheya, amabhondi, ikusasa, njll). ukugeleza Negative (ie izindleko) limelela izimali lezi zinkulumo zisuselwa yenkampani isabelomali (okungaba umholo, ukuthenga nezintela). Inani lamanje (ngokuphelele net cash flow) Eqinisweni, limelela umehluko phakathi imisinga ezimbi futhi omuhle. Kuyinto lokhu izindleko ephendula umbuzo obaluleke kunayo futhi ejabulisa kakhulu kwebhizinisi: "? Yimalini esandleni" Ukuqinisekisa ukuthuthukiswa kwebhizinisi ashukumisayo kudinga izinqumo ezifanele mayelana isiqondiso ukutshalwa eside.

Imibuzo mayelana nokutshalwa

Inani lamanje ngqo engahlangene nje kuphela izibalo, kodwa nesimo sengqondo sabo maqondana utshalomali. Ngaphezu kwalokho, ukuthi uyayiqonda incazelo yalesi inkinga akuyona lula njengoba kuzwakala, futhi ngokuyinhloko usekelwe emisebenzini yasemahhovisi isici ngokwengqondo. Ngaphambi ukutshala imali iphrojekthi, kumelwe uzibuze imibuzo eminingi kwangaphambilini:

- ngabe iphrojekthi entsha kuyoba inzuzo, futhi nini?

- Mhlawumbe kufanele ukutshala kwenye phrojekthi?

Inani lamanje lengqikithi ye-investimenti kufanele ibhekwe ngokomongo ezinye izinkinga, ezifana notshwala ezimbi futhi eyakhayo evela yephrojekthi umthelela wabo utshalomali kokuqala.

fa ukunyakaza

Ukungena kwemali kuyinchubo lechubekako. I impahla yeNkampani ziphathwa njengoba ukusetshenziswa kwezimali kanye nezimpahla kanye nezikweletu - njengoba imithombo. Umkhiqizo wokugcina kuleli cala - iqoqo kwezimali ezimpahleni ezingasuki phansi, abasebenzi, izindleko impahla eluhlaza, okuyinto zikhokhelwa ekugcineni imali. Inani lamanje siyihlole ukuhamba notshwala zezimali.

Uyini NPV?

Abantu abaningi abathanda kwezomnotho, ezezimali, ukutshalwa kwezimali kanye ibhizinisi, wabhekana nalesi simo isifinyezo. Kusho ukuthini? NPV imele NET ZAMANJE VALUE, futhi uhumusha ngokuthi "inani lamanje". Kulinganiselwa ngu efingqa enzuzweni ukuthi inkampani ezokwenzela ngesikhathi ukuhlinzwa, futhi izindleko izindleko phrojekthi. Khona-ke, inani imali emholweni izindleko. Uma umphumela sibalo inani lingu omuhle ke iphrojekthi kubhekwa njengento inzuzo. It lingahunyushwa baphetha ukuthi inani lamanje - inkomba yokuthi ngabe iphrojekthi ezokwenzela imali noma cha. Zonke izimali esizayo kanye nezindleko ehlisiwe endaweni efanele senzalo.

Izici kokubala inani lamanje

Inani lamanje - iwukuba ukunquma ukuthi iphrojekthi ibize ngaphezu kuka izindleko wachitha kuso. Elilinganiswayo izindleko ngesilinganiso ne silulindele amanani lokungena nokuphuma kwemali eyenziwe iphrojekthi. Kuyadingeka ukuba acabangele izidingo zimali kanye iqiniso lokuthi laba notshwala kungenzeka ibe ngaphansi kwegunya ngidayisa phezu Ukuhwebelana isitokwe.

discounting

Inani lamanje ukubala wenziwa esekelwe ehlisiwe nokuphuma kwemali ngamazinga ilingane izindleko ithuba yokutshala izimali. Kuyini izinga elindelekile ukubuya ku izibambiso ilingana ingozi efanayo, futhi lapho uzalela iphrojekthi embuzweni. On the athuthukile izimakethe isitokwe amafa, nse ingozi ezingeni, kulinganiselwa ukuze sibangelwa kubo futhi elifanayo ukubuya. Inani okuthengwa ngalo iqhaza ku izimali abatshalizimali iphrojekthi uzoluthola ngesilinganiso nenzuzo yokutjala is etholwe discounting ngulona logeleta ngesilinganiso kulingana ithuba izindleko.

Inani lamanje yephrojekthi kanye izakhiwo zalo

Kukhona izici eziningana ebalulekile indlela kokuhlaziywa phrojekthi. Inani lamanje ivumela ukuhlola ukutshalwa esekelwe umbandela nezesifundazwe zokwakha ukubaluleka inani, elitholakala kuwo zimali kanye bamasheya. Lokhu umbandela kungaphansi nezimali kanye lwemali njenge fundraising kanye dolobha, kanye nokubekwa yabo. Le ndlela igxile imali engenayo, okuyinto wahlonishwa imali ku-akhawunti yakho yasebhange ngesikhathi esifanayo azizwe sengathi angimnaki engenayo akkauntingovymi, njengoba sibonakala ngokwanda kwamabhuku. Kufanele kukhunjulwe ukuthi inani lamanje lengqikithi ye izindleko ukusetshenziswa okunye kweemali utshalomali. Esinye isici esibaluleke kwakuwukuthi izimiso okufakiwe. Lokhu kusho ukuthi kungenzeka ukuba ucabangele wonke amaphrojekthi lemali, kanye ngamunye kanye sakho konke izingxenye kuyoba ulingana Kubiza yephrojekthi.

Inkomba ye-Inani lamanje

Inani lamanje incike ukubaluleka index wamanje (PV). Lokhu kubizwa ngokusentshenziswa ukubaluleka ukuphuma nokungena kwezimali ngokuzayo, obhekisela usuku discounting. Ukubala of inani lamanje ngokuvamile kuhlanganisa ukubala inani lamanje we Inkomba. Thola lesi silinganiso kungaba ifomula elula, echaza imisebenzi elandelayo ngezimali: ukwabiwa kwezimali, ukukhokhwa, ukubuyiswa kwemali kanye yinhlama-sum ukubuyiswa kwemali of:

PV = FV / (1 + r).

ukuphi - inani lenzalo okungukuthi, okuyinto intengo ukukhokhela izimali ezibolekwe;

PV - inani izimali zenzelwe ihlanganise imigomo lokukhokha, ukuvuthwa, ukubuyiswa kwemali;

FV - iyona lemali edingekayo sokukhokha imali ebolekiwe, okubandakanya lemali yasekuqaleni nesikweletu, kanye nenzalo.

Ukubala of inani lamanje

Kusukela lwamanje Inkomba value angaya ukubala NPV. Njengoba kushiwo ngenhla, inani lamanje - umahluko phakathi ukugeleza ehlisiwe of ziyamaniswa nokungangeni esikhathini esizayo kanye nenani kwezimali ezitshalwe (C).

NPV = FV * 1 / (1 + r) -C

lapho i-FV - isamba sazo zonke izimali esizayo kwiphrojekthi;

r - isivuno;

C - ingqikithi ukutshalwa.

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