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    ukufaka izinto

Yintoni ngokungqalileyo i-factoring?

I-Factoring yindlela yezezimaliokanye ijolise ikakhulu kumashishini amancinci naphakathi. Le nkqubo inesivumelwano phakathi kwenkampani abatyalwa kuyo, eseka inkampani ekhethekileyo ingqokelela yeekhredithi zabo ezinikezelwe kubaxumi babo abathe basilela, iinkampani ezibandakanya ukwenza izinto, ezikwabizwa ngokuba ziinkampani zezinto, zibonelela ngeenkonzo ze ezezimali, ezolawulo nokulawulwa kwezinto ezifumanekayo, ngokunjalo isiqinisekiso sentlawulo.

El urhwebo lweshishini Ibandakanyeke kuseto lweendlela ezintsha ezichaphazela iikhontrakthi, ikakhulu ezivela kwiimarike zaseMntla Melika, ezitshintshe iindlela zolawulo lweshishini, singakhankanya ezinye ezinje: Ukuqeshisa, ukuqeshisa, ukwazi, ukuthengisa, ukwenza i-franchising kunye ne-Factoring ukubiza ngambalwa.

E-Spain, imibutho emanyanisiweyo iye yadityaniswa kwiinkampani zezezimali, ezinxulumana noMphathiswa wezoQoqosho nezeMali, ngomthetho 3/1994 ka-Epreli 14, owamkela imigaqo yaseSpain kwi-II Directive European.

kuqesha
Inqaku elidibeneyo:
Ukuqeshisa ngokuqeshisa

Umahluko phakathi kokubhengeza kunye nokungafumani mbuyekezo

indlela yokubuyisela

Ngokufumana uncedo

Kulo Ukubhala kwakhona kwakhonaokanye, inkampani eya kuthi ilawule kwaye iqokelele ii-invoice zabathengi, ayizukubenoxanduva kwimeko yokungahlawuli okanye ukuhlawulwa kade kwamalungelo okuqokelela, ngenxa yoko ayithathi mngcipheko wentengiselwano.

Ngale nto, ndithetha ukuba abayi kuba semngciphekweni wokungakwazi ukuhlawula amatyala abo banamatyala, bekwazi ukubuyisela kumthengi isixa esipheleleyo seekhredithi ezingahlawulwanga.

Akukho ncedo

El Ukungafumani mbuyekezo Yinto echasene ngokupheleleyo nale sele ikhankanyiwe, kule ndlela, inkampani eqeshe inkonzo yokufaka izinto ayizukubekwa tyala kwimeko yokuba umntu angakwazi ukuhlawula amatyala akhe, kwaye ngenxa yoko yinkampani yokufaka ingxelo enoxanduva lokuthatha umngcipheko okhoyo Umsebenzi owenziweyo phakathi komthengi kunye nomnikezeli ngeenkonzo, kwaye nokuba owokugqibela uhlawule kwangaphambili ii-invoice kumthengi wakhe, ngekhe akwazi ukucela imali kwangaphambili.

Kule nto indlela yezemaliInkampani egcina iincwadi iya kuba noxanduva lokuthatha umngcipheko wokungakwazi ukuhlawula amatyala anokuthi aboniswe ngumntu onetyala leekhredithi azinikiweyo, ukuya kuthi ga kumda wokugubungela obusekwe kwisivumelwano ngaphambili.

Izinto eziluncedo ezibhengeza ukungafumani mbuyekezo

iinyani

Izinto ezihlanganisiweyo zidityanisiwe Kwiminyaka yakutshanje, sesinye sezixhobo ezisetyenzisiweyo nesiluncedo kwicandelo lezamashishini, kuba esi sixhobo siluncedo sivumela ukuhlelwa ngendlela enocwangco, kunye nokusoloko siwisa umthetho kumvuzo ofunyanwa ziinkampani, zibanceda ukuba bafumane ngokukhawuleza ukuthengiswa kwemali .

Eyona nto iphambili ekufumaneni izinto kwakhona: Phakathi kweminyinyiva emininzi le modality ibonelela ngayo abathengi bayo, ukuba semthethweni kwayo nayiphi na indlela yokuhlawula kwaye naliphi na icandelo lezinto ezenziwayo lizimele ikakhulu, livumelana phakathi kwebhanki kunye nabaxhasi, iirisithi, ukuhambisa iindleko zolawulo phakathi kwelinye iphepha lezorhwebo. Ukongeza, koku kongezwa uphawu lokuba iyahambelana neenkonzo ezahlukeneyo zokuncedisa ezinikezelwa liqumrhu lezemali eliqeshelwe ukwenza ulawulo, ulawulo, upicotho-zincwadi, phakathi kwabanye.

Ezona zinto ziphambili zokungafumani mbuyekezo: Ukongeza ekubeni ube nokufumana kwangaphambili ukuhlawulwa kwee-invoyisi umthengi anetyala kuzo, isixhobo sokubhalisa ngaphandle koncedo, wamkela umngcipheko opheleleyo wokungahlawuli onokubakho, kunye nezohlwayo ezinokubakho kwaye kuhlawuliswe oko ukungahlawuli kuya kubandakanya.

Ngale ndlela, umntu oziqeshileyo okanye inkampani eqesha inkonzo yokufaka izinto ngaphandle koncedo iya kuba nakho ukungahoyi ngenkululeko epheleleyo izinto ezinokwenzeka, nangona kunjalo le nzuzo inkulu icinga ixabiso eliphezulu kunokwenza intengiselwano noncedo. Yintoni egqithisile, I-non-recourse factoring inenzuzo enkulu yokuba nakho ukunciphisa ulwazi lobalo, ukususa iiasethi, iiakhawunti zabathengi kunye nokuxhasa ngemali ngendlela edibeneyo.

Ngubani obandakanyekayo kwi-Factoring?

Ukubhala-ispanish

-INKQUBO:

Yeyiphi enokuba yibhanki yokonga, ibhanki, okanye ukuSekwa ​​kweKhredithi yeMali ebonelela ngeenkonzo zokuFaka.

UMTHUMI:

Nayiphi na inkampani evelisa ikhredithi ethile yorhwebo kwaye ifuna inkonzo yokujonga izinto ukuze iqokelele amatyala ayo ngokufanelekileyo.

-ABANAMATYALA:

Ngabantu abanyanzelekileyo ukuba bahlawule iikhredithi zorhwebo abazinikiweyo.

Ukubekwa kwizixhobo sisixhobo sexeshana esifutshane, ejolise kwiinkampani ezincinci neziphakathi, kwangaxeshanye inikezela ngeenkonzo zezemali kwaye iphuhlise ulawulo, ulawulo kunye neenkonzo zokuqinisekisa ngenxa yokunqongophala kwezixhobo zabatyali bemali mboleko enikiweyo.
Esi sixhobo kubandakanya ukuyilwa kwekhontrakthi, apho inkampani ekhethekileyo eyaziwa ngokuba yinkampani ethengisa izinto ezinoxanduva lokuqokelela amatyala, ii-invoyisi, amanqaku ezithembiso, iirisithi, kunye nokuqokelelwa kwamatyala angahlawulwanga.

Ngale khontrakthi, Inkampani yokufaka izinto iya kubonelela ngeenkonzo ezininzi yemeko yezemali neyolawulo kwinkampani eqesha iinkonzo zayo, phakathi kwayo esinokuthi siqaqambise:

izinto

  • Ulawulo lokuqokelelwa nolawulo yamatyala angekahlawulwa, abathengi abawatyala kwinkampani yokufaka izinto. Kwiimarike zanamhlanje, iinkampani ezincinci neziphakathi kunyanzelekile ukuba zibonelele ngezixhobo zokuhlawula kubathengi bazo, zahlule kwaye zihlehlise ingqokelela yentengiso yeemveliso okanye iinkonzo ezizivelisayo. Ngesi sizathu, inani leekhredithi ezilindele ukuqokelelwa lonyukile, oku kuye kwanceda iinkampani ezenza izinto.
  • Uphando lwezezimali lwabathengi, Ukuba banamatyala angekahlawulwa kwinkampani yokufaka izinto kunye nokuhlelwa kwabo ngokweziqinisekiso zokuhlawula amatyala ezoqoqosho, abanazo abathengi. Ulwazi oluxabisekileyo kwinkampani, umsebenzisi xa enika izibonelelo zamatyala. Eyona njongo iphambili kukunciphisa inani labangathobeli liye kubuncinci.
  • Ulawulo lolawulo lokuqokelelwa kunye neentlawulo: Inomsebenzi wezolawulo, isiphumo somsebenzi wolawulo lokuqokelela. Inkampani efakiweyo iya kunciphisa iindleko zayo zolawulo kunye nolawulo. Inkampani yokufaka izinto kufuneka ihloniphe ixesha elibekiweyo lokuqokelela elimiselwe phakathi kwenkampani yokufaka izinto kunye nabathengi bayo abanamatyala. Inkampani iyakuthumela izaziso kubantu abatyalayo phambi kokuphela kweekhredithi.
  • Iyimfuneko Qaphela ukuba zonke ezi nkonzo zibandakanya iindleko. Ikhomishini okanye umrhumo wokubekwa phakathi kwe-0.5% kunye ne-2% yenani lilonke lee-invoyisi ezinikezelweyo, kuxhomekeke kwinani labanamatyala, indawo, phakathi kwezinye izinto. Ukongeza, ukuba inkampani yokufaka izinto icela inkampani yokufaka izinto ukuba ihambise phambili isixa semali ethile, kufuneka kuhlawulwe umrhumo othile.
  • Ukufumana inkxaso-mali ngokuhlawulwa kwangaphambili kwee-invoyisi. Le, ngaphandle kwamathandabuzo, yeyona nkonzo ibalulekileyo enikezelwa ziinkampani ezisebenzisayo, kwaye le yeyona inegalelo elikhulu kuphuhliso lwayo nokwamkelwa kwintengiso yamanye amazwe. Inkampani egcina iincwadi inyanzelekile ukuba ibonelele inkampani enesivumelwano kwangaphambi kwexesha, inani leekhredithi elinazo kubaxumi bayo, ngeyona njongo yokuququzelela ukuphucula imeko yayo.

Ukuqinisekisa Isetyenziswa ngokuxhaphakileyo eSpain ayisiyonto yokubhengeza. Oku kuthetha ukuba inkampani yokufaka iifektha, eyaziwa njenge-factor, ithatha umngcipheko wokungagqibeki kulowo unetyala.

Ukungafumani manyathelo okuphumeza kufezekisa ibhalansi esezantsi, encinci, njengoko iakhawunti ityalwa ngokuchasene nabathengi kunye nepremiyamu ehambelana nayo yemali yebhanki inyamalalayo. Oku kuvumela inzuzo engcono, ngokuchaseneyo noko abaninzi bakucingayo, ukuncitshiswa kwamaphepha emali kukuhle kakhulu xa bethetha ngokwezezimali.

Iingxaki zokufaka iifayili

Nangona kunjalo, i-factoring ineengxaki ezithile ezinje:

El uhlobo lomdla, ebiza kakhulu kakhulu kwimeko yokungafumani mbuyekezo. Ngokusengqiqweni, unikwe umngcipheko wokuba inkampani yokufaka inyani ithathe xa ithatha amatyala.

Abathengi ekufuneka bahlawule ngokudlulisa okanye ngetsheki xa kufanelekile, njengoko kuhlala kunjalo kwabo bathengiswayo, badume ngokuba bafike emva kwexesha kwiintlawulo. Okukhokelela kwinqanaba lenzala ukuba liphezulu, kwaye iindawo zokuhlala ziba phezulu ngenxa yokwandiswa kwemiqathango. Kwaye ngamanye amaxesha, oku kuphelela kwimbuyekezo, xa into ingasakwazi ukunyamezela kwaye ihlawulise ngokuthe ngqo kwiakhawunti yomthengi ngengxaki yemali efanelekileyo. Oko ukushiya indlela yokuqokelela kwinyathelo lomntu onetyala, ihlala inezi mpawu.

Ezona mfuno ziphambili zokubhala

Kuya kufuneka kukhunjulwe ukuba ukugcinwa kwezinto kugxilwe kwiikhredithi zentengiso ezihlangabezana nezi mfuno zilandelayo:

  • Imisebenzi eyenziweyo yeyeshishini eliqhelekileyo lomthengi.
  • Ukuba ukuthengisa kuye kwaba kwiinkampani.
  • Ukuba iimveliso ezithengisiweyo azinakonakala.
  • Ukuba iikhredithi zibhalisiwe njengee-invoice ezingqinelanayo.
  • Ukuba indlela yokuhlawula ayisixesha elide.

Ukufezekisa ezi mfuno zilula, ukufumana inkonzo yokufaka iifeksi sisixhobo esilula sokuqonda kunye nokusebenzisa, kunye nesibonelelo kuwo omabini amaqela kwisivumelwano, ukufumana iziphumo ezilungileyo ixesha elininzi.

yintoni i-factoring
Inqaku elidibeneyo:
Yintoni iFactoring?

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
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