Technology-Driven Solutions for Working Capital Management


Tsiku lililonse, zisankho zanzeru ziyenera kupangidwa kuti ziwunikire, kuwunika, kuteteza, ndi kukhathamiritsa ndalama zabizinesi yanu.

Komabe, kulemedwa kwa data yogawika komanso njira zachikale, zovuta zimatha kukulepheretsani kuyendetsa bwino ndalama zogwirira ntchito yanu.

Ndi kukwera kwa chiwongola dzanja, kusokonekera kwakukulu kwa msika, komanso kusatsimikizika kwachuma kwa ambiri, ndikofunikira tsopano kuchitapo kanthu kuti titeteze zolemba, kuyembekezera zosowa zandalama, ndikuwongolera magwiridwe antchito kuti athe kuwongolera komanso kuwonekera.

Kasamalidwe ka capital capital ndi nkhani yofunikira. Oyang’anira mabizinesi ndi magulu azachuma ayenera kugwiritsa ntchito mwayi accounting ndi ndalama luso laukadaulo kuti muwonjezere magwiridwe antchito ndikuwongolera magwiridwe antchito.

Kufunika kwa kasamalidwe ka capital capital

Ndalama zogwirira ntchito ndi chizindikiro chodalirika cha ntchito (KPI) chomwe akuluakulu a zachuma (CFOs) ayenera kumvetsera. Chiŵerengero ichi, chomwe ndi katundu wanu / ngongole zomwe muli nazo panopa, ndi umboni wodalirika ku thanzi lachuma la kampani yanu kwakanthawi kochepa.

Poganizira chuma ndi ngongole zazifupi, mutha kudziwa zanu ndalama zogwirira ntchito kuti muwone ndalama zomwe zilipo kuti zikwaniritse zomwe mukugwiritsa ntchito panopa. Zimakupatsirani chidziwitso chofunikira pazachuma zanu, kayendetsedwe ka ndalama, ndi katundu kuti mupange chisankho choyenera ndikukweza njira yanu yonse.

N’chifukwa chiyani kasamalidwe ka capital capital ndiyofunika kwambiri pakadali pano?

M’nyengo yamakono yazachuma, kuwongolera ndalama zanu zogwirira ntchito ndichitsulo ndikofunikira kuti mugwire bwino ntchito ndikukhalabe opikisana. Kupatula apo, kuyenda kwandalama ndiye dalaivala wamtengo wapatali, ndipo chiwopsezo choyang’ana kasamalidwe kogwira ntchito ndizovuta kulipira.

Makamaka pakugwa kwachuma, pakuchulukirachulukira kwa insolvency komanso kukwera kwa chiwongola dzanja, ndalama zamadzimadzi ziyenera kuyenda bwino ndikufikirika poyembekezera zowononga ndi zosowa zosayembekezereka. Mosadabwitsa, ma CFO akuyesera kuwerengera ndalama zomwe amalandila kapena kugulitsa maakaunti awo omwe amalandila kuti akwaniritse bwino ndalama zawo.

Malinga kwa Johannes Wehrmann, woyang’anira wamkulu wamakampani ogulitsa ku Demica, wopereka ndalama zothandizira ndalama, makampani ambiri tsopano akuyang’ana njira zopezera ndalama zogwirira ntchito.

Kusamalira ndalama moyenera komanso kulipira ngongole zambiri pogulitsa zobweza ndiye njira yabwino kwambiri – ndipo kasamalidwe koyenera ka capital capital yogwira ntchito ndiye bwenzi labwino kwambiri logwiritsa ntchito njirayi.

Momwe tekinoloje imakulitsira kasamalidwe ka capital capital

Kuposa kale lonse, atsogoleri abizinesi akuyenera kulimbikitsa kulimba mtima ndi kulimba mtima m’mabungwe awo kuti athe kuchepetsa ziwopsezo zomwe zingachitike kapena mtsogolo.

Kusunga ndalama zanu, kuyang’anira zanu dongosolo-to-ndalama kuzungulirakuchepetsa Masiku Sales Outstanding (DSO)ndi kudziwa kumene ndalama zanu zili, n’kofunika koma kuwononga nthawi.

Kugwiritsa ntchito matekinoloje kuti muchepetse njira izi ndizosintha.

Ndi pulogalamu yoyenera, mutha kusintha magwiridwe antchito, kupereka kusanthula kwachuma ndi zida zopangira zisankho, ndikuwongolera kulumikizana ndi mgwirizano. Ikhoza kukupulumutsirani nthawi ndi ndalama zamtengo wapatali pochepetsa kufunika kolowetsa deta pamanja ndikuwongolera zolondola. Zimapangitsanso kulosera zachuma ndi kukonza bajeti kukhala kosavuta komanso kuthana ndi kulemedwa kwa data yogawikana kuti zitsimikizire kuti aliyense ali patsamba lomwelo pankhani yazachuma.

Izi ndi zina mwazopindula pogwiritsa ntchito ukadaulo kuti muwonjezere kasamalidwe ka ndalama zanu.

  • Kuphatikiza deta: Kwa mabizinesi angapo, deta yazachuma imamwazika pamapulatifomu angapo, kuphatikiza ma spreadsheets, zolemba zamabuku kapena digito, makalata a imelo, ndi ma accounting kapena nsanja za ERP.
    Kukhazikitsidwa kwa mayankho atsopano aukadaulo kumabweretsa zonse izi papulatifomu imodzi, kukupatsirani inu ndi gulu lanu malingaliro omveka bwino pankhani zachuma zabizinesi yanu.
    Izi zimathandizira kasamalidwe ka capital capital yogwira ntchito pagulu lonse la bungwe lanu.
  • Kupititsa patsogolo ma analytics ndi automation: Tekinoloje imakulolani inu ndi magulu anu kuti muzitha kupanga ntchito zamanja ndikupeza zolondola komanso zaposachedwa kwambiri zoyendetsera bizinesi yanu.

Ndi ma KPI amtundu wanji omwe CFOs ayenera kuyang’anira?

Makampani omwe amagwiritsa ntchito ukadaulo ndi data kuti azitha kuyang’anira ndalama zawo zogwirira ntchito amatha kuwonjezeranso kumunsi kwawo. Malinga ndi McKinseykuyang’ana kuyenera kuyikidwa pazigawo zitatu zofunika kuti muwongolere kayendetsedwe ka ndalama zanu.

  • Kumanga maziko a data pakati: Izi ndizofunikira kuti tipewe kuchucha kwa ndalama komwe kumachitika chifukwa cha data yolumikizidwa, yogawika, komanso yolakwika (kaya ndi chidziwitso chamakasitomala, ma invoice olakwika, kapena masipuredishiti osokonekera).
    Mwa kuika deta pakati ndi kudalira mapulogalamu oyenera, mungathe kuthetsa vuto la kutaya ndalama.
  • Kuyang’anira ma KPIs oyenera pamene mukugwiritsa ntchito njira zothetsera ndalama zogwirira ntchito: Ngati mukufuna kuwunika momwe mungagwiritsire ntchito kasamalidwe ka capital capital yogwira ntchito, muyenera kuyang’anira mosamala ma KPIs kuti mupeze chidziwitso chanzeru.
    Kuneneratu kolondola kudzera pa ma KPI kumathandizira zisankho zoyendetsedwa ndi data kuyembekezera zomwe zingawopseze kuyenda kwanu, monga kuchepa kwa zinthu ndi kuyang’anira.
  • Kukhazikitsa malipoti oyembekezera: Kudalira kasamalidwe ka mavenda pamanja ndi njira zolipirira pazogulitsa ndi kupitilira apo kungakulepheretseni kupikisana kwanu komanso magwiridwe antchito anu.
    Kugwiritsa ntchito maakaunti omwe amalipidwa komanso njira zogwirira ntchito kumakupatsani mwayi wokhoza kulipira omwe akukukupatsirani ndikulipidwa pobweza, zomwe zimapangitsa kuti ndalama zanu ziziyenda mwachangu.

Chithunzi chomwe chili pansipa chimafotokoza za ma KPI ofunikira omwe ayenera kukhala pa radar ya CFO.

Gwero: McKinsey

Mitundu ya zothetsera zogwirira ntchito

Kuwongolera kasamalidwe ka ndalama zogwirira ntchito kumayendera limodzi ndi kukhala pamwamba pa makasitomala anu ndikuwongolera zomwe mumapeza muakaunti yanu, chifukwa ndiye gwero lalikulu la kutaya magazi. Zimakhudzanso ntchito yowononga nthawi yogawa magawo amakasitomala anu pozindikira ndikuyika patsogolo makasitomala omwe ali pachiwopsezo chachikulu ndi omwe amalipira mochedwa (kapena omwe sanabwerebe).

Zachidziwikire, mutha kufunsa antchito anu kuti agwire ntchito yotopetsayi kapena kudzitengera nokha, monga eni mabizinesi ambiri amachitira. Komabe, mulinso ndi mwayi woyika ndalama muzosankha zapamwamba kuti mugawire makasitomala anu molingana ndi chiwopsezo chawo kuti muchepetse kuwonekera kwanu ku mbiri ya riskier.

Bwanji?

Pogwiritsa ntchito pulogalamu yoyendetsera ntchito. Makasitomala oyenerera adzalumikizidwa mukangotulutsa ma invoice kuti muwonetsetse kuti mumatolera chindapusa chanu mwachangu ndikuwongolera zomwe mumalandila.

Mayankho abwino kwambiri oyendetsera ndalama zogwirira ntchito amaphatikiza mapulogalamu ndi ntchito zomwe zimathandizira kuchepetsa chiwopsezo ndikuwongolera kayendetsedwe ka ndalama za kampani yanu. Imawonjezera maakaunti omwe amalipidwa ndikuyankhira mayankho omwe amalandilidwa, kasamalidwe ka ngongole, ndi kasamalidwe ka ma invoice ndi kukhathamiritsa.

Maakaunti omwe amalandila makina azida

Kudalira ERP ndi Mtengo CRM ukadaulo wokha siwokhazikika. Zimangosonkhanitsa zambiri zomwazikana, zogawidwa kuti zisinthidwe. Kupatula apo, kumamatira kumachitidwe amanja kumatha kusokoneza khalidwe la gulu lanu ndi ndalama zake posonkhanitsa njira zambiri zomwe zimakhala ndi zolakwika. Ndi mapulogalamu obweza akauntiMutha:

  • Dalirani njira zosonkhanitsira zokha kuti mulumikizane ndi makasitomala. Izi zimawalimbikitsa kulipira mwachangu. Pulogalamuyi imapanga maimelo akukumbutsani masiku angapo tsiku lomaliza lisanafike kuti atsimikizire kuti makasitomala amakumbukira zomwe mumalipira.
  • Pewani kuchedwa kwa malipiro. Perekani makasitomala njira imodzi yolipirira yomwe ikupezeka panjira zonse zolipirira (Stripe, Direct Debit, ACH, kapena EE transfer).
  • Gwiritsani ntchito ndondomeko yoyenera. Dziwani zomwe zimagwira ntchito bwino kwa kasitomala aliyense. Ena amatha kuyankha ma imelo kuposa mameseji, pomwe ena angayankhe bwino pama foni a gulu lowongolera ngongole.

Maakaunti omwe amalipidwa okha pulogalamu

Maakaunti omwe amalipidwa okha pulogalamu zimathandiza mabungwe ogula kuti alandire ma invoice, kuyang’anira zivomerezo, ndi kukonza zolipira mosadukiza. Ndi pulogalamuyi, mutha:

  • Yambitsani ma invoice amagetsi. Izi zimachotsa njira zakale zamapepala zomwe nthawi zambiri zimabweretsa kutayika kwa data kapena zolakwika. Mayankho ena amathanso kusinthira ma invoice amapepala kukhala amagetsi pogwiritsa ntchito luntha lochita kupanga kuti achotse ndikusunga zomwe zikuyenera kusungidwa mumtambo.
  • Lolani kuyanjanitsa kosavuta. Sungani deta yofunikira kapena tumizani kumagulu oyenera kuti mukawunikenso. Izi zimapulumutsa magulu nthawi yayitali, chifukwa kuyanjanitsa ndizovuta kwambiri, ngakhale ndizofunikira kwambiri.
  • Khalani ndi archive ndi chitetezo cha data. Chilichonse chomwe mungafune ndichosavuta kupeza m’madipatimenti anu onse ndipo mwakonzeka kuzigwiritsa ntchito pofufuza. Zotsatira zake, zimalimbitsa mgwirizano mkati mwa gulu lanu ndikupangitsa kuti kulumikizana kukhale kosavuta.

Ubwino wa 4 wa pulogalamu yoyendetsera ntchito

1. Zochita zokha

Kasamalidwe ka capital capital kamakhala bwino pomwe ntchito yowerengera ndalama ingodzipanga yokha. Ndi njira yabwino yopezera ndalama zambiri ndikuchepetsa DSO yanu kwinaku mukukulitsa zokolola zamagulu anu ndikuyang’ana kwambiri ntchito zamtengo wapatali.

2. Kuchita bwino kwambiri

Maakaunti omwe amalipidwa komanso omwe amalandila amatha kupanga mosavuta ma invoice ndikutsata. Zimathandizira kuchepetsa zolakwika za malipiro, ndikuzindikira malipiro obwereza kapena achinyengo. Mayankho odzipangira okha ndi osavuta kuphatikizira mumayendedwe anu azachuma omwe alipo kale, kotero kuti musade nkhawa ndikuyenda kwa data ndi kulumikizana.

3. Mtengo wokongoletsedwa ndi zokolola

Njira zosonkhanitsira pamanja ndi zazitali komanso zimatenga nthawi mu B2C kapena B2B, zomwe zimawononga zokolola.

Kutolera pamanja kumaphatikizapo:

  • Kulumikizana ndi makasitomala kuti mutsimikizire kulandila kwa invoice ndikuwalimbikitsa kuti akulipireni posachedwa.
  • Kutumiza chikumbutso kutangotsala masiku ochepa kuti tsiku lomaliza lifike kuonetsetsa kuti kasitomala sanayiwale zolipirira zanu.
  • Kuyimbira kapena kutumiza imelo kwa makasitomala kuti awakumbutsenso.

Kwa makampani a B2B, ntchitoyi ndi yovuta kwambiri, makamaka pakalibe gulu lodzipereka loyang’anira ngongole, monga momwe zimakhalira ndi ma SME.

Pamwamba pa maudindo ndi ntchito zomwe zilipo, ogwira ntchito ayenera:

  • Perekani nthawi yodziwa omwe amalipira mochedwa.
  • Ikani patsogolo kufunika kolipira.
  • Lumikizanani ndi kutsata kasitomala aliyense payekhapayekha mpaka atatsimikizira kulandira malipiro mochedwa.
  • Yambani ndi maimelo akukumbutsani, kenaka sinthani ku zilembo, kuyimbira foni, ngakhalenso zidziwitso zamalamulo pamene zolembera zomwe zakhazikitsidwa mu protocol yanu yapita.

Makinawa amachotsa machitidwe oterowo ndikubwezeretsanso nthawi kwa ogwira ntchito kuti ayang’ane kwambiri ntchito zowonjezera.

Maakaunti omwe amalipidwa okha amathanso kuchepetsa mtengo wokonza ma invoice pochepetsa kuchuluka kwa zolowa zomwe zimakhudzidwa ndi ntchitoyi ndikuchotsa ndalama zosungira, zotumizira, ndi zopangira ma invoice. Maakaunti omwe amalandila amakhala ndi zotsatira zabwino pazachuma zanu.

4. Kupititsa patsogolo maubwenzi a makasitomala

Maakaunti omwe amalipidwa okha amatha kukulitsa kuwonekera kwabizinesi yanu chifukwa amaphatikiza malamulo onse omvera mkati mwadongosolo. Zimathandizira kuchepetsa zoopsa komanso kupewa chinyengo pozindikira nthawi yomweyo ma invoice obwereza, ndalama zowonjezera, komanso zachinyengo.

Kugwiritsa ntchito ndalama zanu kumathandizira kukonza ubale wamakasitomala polumikizana bwino. Kulipira kumakhala kosavuta kwa kasitomala, komanso kukumbutsidwa kuti alipire, chifukwa chake, mutha kumasula ndalama zomwe mwapeza ndikusunga ubale wabwino ndi makasitomala anu.

Maakaunti omwe amalandila mayankho okhazikika amagawa makasitomala anu posankha makasitomala okhulupirika omwe ali ndi mbiri yabwino yolipira kuchokera kwa omwe amalipira mochedwa. Imagwiritsanso ntchito kamvekedwe ka mawu kosiyana kwa aliyense wa iwo, kaya kugwedeza mofatsa kapena njira yokhwima.

Luntha lochita kupanga lingakhazikitse njira zotsatirira zopanga powunika pafupipafupi zikumbutso zolipira ndikudalira kulumikizana kwa omnichannel. Mwachitsanzo, imatha kusintha uthengawo mogwirizana ndi msinkhu wa munthu amene akuulandira kapena kutengera kalembedwe kake.

Vuto la capital capital

Zikuwonekeratu tsopano kuti kayendetsedwe ka ndalama zogwirira ntchito kuyenera kukhala pamwamba pa ndondomeko ya CFOs, komabe siziri choncho.

Posachedwapa Deloitte webcastotenga nawo mbali sanayang’ane bwino luso la bungwe lawo loyendetsa ntchito zogwirira ntchito, akuvomereza kuti “ali ndi nkhawa kapena amakhudzidwa kwambiri.”

Bizinesi iliyonse yomwe ikuyesera kukulitsa kukula mwa kumasula ndalama iyenera kuthana ndi vuto la kasamalidwe ka ndalama zogwirira ntchito pogwiritsa ntchito mphamvu yaukadaulo ndi makina.

Kumvetsetsa zigawo zikuluzikulu za accounting automation. Onani momwe ukadaulo ungakwaniritsire njira zoyendetsera ndalama za kampani yanu.





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