Investment mu bizinesi (oyambitsa) - njira zabwino kwambiri zomwe mungasungire ndalama kwa wogulitsa ndalama + TOP-7 njira zoyendetsera ntchito zamabizinesi

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Moni, owerenga okondedwa a Magazini azachuma a Ideas for Life! Lero tikambirana zakugulitsa mabizinesi, zoyambira ndi ntchito zina zamabizinesi, komwe ndi m'malo ati mabizinesi omwe ndi bwino kuyikapo ndalama.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Mukawerenga bukuli, mudzadziwa:

Pazomwe munthu ayenera kuyika bizinesi - zabwino zazikulu ndi zoyipa zake;
Ndi mitundu yanji ndi njira ziti zogwirira ntchito mu bizinesi zomwe zilipo;
Ndi njira ziti chaka chino zogulira ndalama mu oyambitsa ku Russia ndibwino kusankha;
Kodi kuopsa kwa ndalama zoterezi ndi momwe zingachepetsere.

Kumapeto kwa nkhaniyi, mupeza mayankho pamafunso omwe amafunsidwa pafupipafupi okhudzana ndi bizinesi.

Bukuli lidzutsa chidwi cha aliyense amene akuda nkhawa ndi mavuto azachuma. Zikhala zothandiza kwa onse oyamba kumene komanso omwe ali ndi chidziwitso kale ndi zoterezi.

Kodi maubwino akulu (+) ndi zovuta zake (-) pakuika ndalama mu bizinesi, ndi mitundu iti ndi njira ziti zochitira bizinesi muzinthu zomwe zilipo, ndi zoopsa zanji mukamayambira poyambira - werengani za izi ndi zina zambiri.

1. Chifukwa chiyani muyenera kuchita bizinesi ndipo ndiyofunika kuchita

Mabizinesi amabizinesi amatha kupatsa wogulitsa ndalama moyo wabwino. Ndalama zoterezi zimakupatsani mwayi wolandila ndalama. Ichi ndi chochitika chomwe, ngati chikuchitika molondola, chimafuna kuyesetsa kochepa, koma nthawi yomweyo chimapereka phindu lokhazikika.

Anthu ambiri omwe amakhala kumayiko omwe kale anali Soviet Union ali ndi malingaliro olakwika okhudza ndalama zomwe zingagwiritsidwe ntchito kwa nthawi yayitali zomwe zingapereke ndalama zokhazikika. Amakhulupirira kuti ndi okhawo omwe amakhala nawo poyambalikulu lofunika, maluso ena ndi mwayi... Kuphatikiza apo, nzika zathu zili ndi chidaliro kuti kuyika bizinesi m'mabizinesi ndizowopsa, makamaka pamavuto omwe alipo.

Pamapeto pake Ambiri mwa anzathu samachita chilichonse kuti awonjezere moyo wawo. Amangolota m'miyoyo yawo yonse kuti apeze ndalama zambiri popanda kuchita khama.

Kwenikweni mwayi wodziyimira pawokha pazachuma aliyense ali nawo... Kuti muchite izi, ndikwanira kuti musinthe kwambiri malingaliro anu, kusinthana ndi gawo lazachuma, kusiya kugwira ntchito kwa ena ndikuyamba kudzichitira nokha.

Kuyika ndalama pakukula kwa bizinesi yanu kumakupatsani mwayi wopeza ndalama zomwe sizimangodalira nthawi ndi khama lanu, komanso kuti mukhale ndi chidaliro mtsogolo. Kuphatikiza apo, mabizinesi apamwamba kwambiri amalola kuti malingaliro ndi malingaliro omwe angawoneke ngati osatheka akwaniritsidwe.

Kuphatikiza apo, mdziko lamakono lino, ngakhale iwo omwe alibe ndalama zambiri amatha kuyamba kudzigwirira ntchito. Komanso, maphunziro azachuma koyambirira ayi chofunika, chifukwa mdziko lamakono lino mutha kupeza madera ambiri otukuka kwamabizinesi, osagwirizana ndi chuma.

2. Ubwino ndi zovuta zakuyesa bizinesi 📑

Njira yogwiritsira ntchito ndalama nthawi zonse imakhala limodzi ndi zoopsa. Kugulitsa mabizinesi munjira imeneyi sichimodzimodzi. Monga ntchito zina zilizonse, ndalamazi zili ndi zabwino zake komanso zovuta zake.

2.1. Ubwino (+) wa kuyika bizinesi

Zina mwazabwino zopezera ndalama mu bizinesi, zotsatirazi:

Wogulitsa ndalama amapeza mwayi wokopa zochitika m'bungwekomanso zisankho zopangidwa ndi oyang'anira. Nthawi zina ndiye amene amasungitsa ndalama kukampaniyo. Nthawi yomweyo, kasamalidwe koyenera kamakupatsani mwayi wopanga bizinesi ndikuwonjezera phindu. Pamapeto pake, mulingo wobwezera ndalama umakulanso.
Ndalama zamabizinesi zimasiyanitsidwa ndi mitundu yosiyanasiyana ndi mayendedwe azachuma. Mutha kuyika ndalama m'makampani omwe amapanga zinthu, ndikupereka chithandizo chilichonse - chisankhocho ndi chachikulu kwambiri.
Mwayi wokhala Investor wokhala ndi capital capital... Pachiyambi, sikofunikira kuyika ndalama zambiri. Ndikokwanira kugula gawo laling'ono la kampaniyo. Ngati ndalamazo zikuyenda bwino, mutha kugula magawo a ena.
Ngati kugulitsa bizinesi kumawonedwa ngati ntchito yongopeza ndalama, amadziwika ndi kuphweka ndi kupezeka... Wogulitsa ndalama sakukakamizidwa kuti akhale ndi chidziwitso chilichonse.
Kugulitsa mabizinesi ndi imodzi mwanjira zochepa zomwe ndalama zimakhala ndi mawonekedwe enieni.... Zotsatira zantchito zachuma zitha kuwonedwa mu chuma cha kampaniyo.
Kuyika ndalama pakuchita bizinesi, wogulitsa ndalama angasankhe kampani yomwe ikugwira ntchito m'deralo yomwe ili yosangalatsa komanso yodziwika kwa iye.
Chuma chochokera kuzinthu zoterezi kwakanthawi sichingachepe ndi chilichonse. Ndi kayendetsedwe kabwino ka bizinesi komanso kukwaniritsa udindo wotsogola ndi kampani, pali mwayi uliwonse wopeza phindu pamwezi pamlingo woposa 100%. Popita nthawi, kampani yomwe ndalama zimayendetsedwa bwino, zimakulirakulirabe.

2.2. Kuipa (-) kugulitsa mabizinesi

Ngakhale maubwino ochulukirapo pakuchita bizinesi, mtundu uwu wazachuma uli ndi zovuta zingapo:

Ndalama zamabizinesi zimaphatikizidwa ndi chiopsezo chachikulu chotaya ndalama... Ndi njira yolakwika yogwiritsira ntchito ndalama, simungataye gawo limodzi, komanso ndalama zonse zomwe mwapeza.
Zoletsa zamalamulo... Mitundu ina yamabizinesi ocheperako imachepetsedwa kwambiri ndimalamulo, oyang'anira ndi mabungwe ena aboma. Ziphuphu zakula kwambiri mdziko lathu, chifukwa chake ndikofunikira kuzindikira kuchepa uku.
Kukula kosayembekezereka kwa zochitika... Zochita zamabizinesi sizimayenda nthawi zonse momwe eni ndi omwe amakonza ndalama amakonzera. Pali chiwopsezo kuti zochitika ngati izi zichitike mosayembekezereka ndikupangitsa kuti ndalama zizikhala zopanda ntchito.
Pankhani yopeza ndalama mwabizinesi, pamakhala kuthekera kosagwirizana. Ngati pali mkangano pakati pa osunga ndalama, ndipo alephera kuvomereza, m'modzi wawo atha kusankha kusiya bizinesi potenga ndalama zake. Izi zidzakhudza phindu la ntchitoyi.
Ngati mugwiritsa ntchito njira yogwiritsira ntchito ndalama, mufunika kudziwa zina ndi zina. Poterepa, wamalonda adzapeza mwayi wokulitsa ndalama zomwe zingatheke.
Kubwezera ndalama kubizinesi nthawi zambiri kumakhala kosakhazikika. Phindu munthawi zosiyanasiyana limatha kukhala losiyana kwambiri, ndikusintha mothandizidwa ndi zinthu zambiri. Popeza ndendende momwe zinthu zilili koyambirira, makampani osiyanasiyana amatha kubweretsanso ndalama kwa wazogulitsa. Mukamayendetsa bizinesi, muyenera kuphunzira msika pafupipafupi ndikusintha momwemo. Iyi ndiye njira yokhayo yopezera phindu lalikulu.
Zopereka zowonjezera zowonjezera nthawi zambiri zimafunikira. Ngati simukuyikapo ndalama zowonjezera mu bizinesi panthawi inayake, mutha kuchepa kwambiri phindu lazomwe mudachita kale.
Phindu silidzabwera nthawi yomweyo. Popeza ndalama zomwe zimayambira poyambira zimatenga nthawi yayitali, mutha kungopeza ndalama pakapita nthawi yayitali.

Chifukwa chake, kuyika ndalama mu bizinesi kuli ndi zabwino zake komanso zoyipa zake. Ndikofunika kuzikumbukira ndikuzilingalira pakugwiritsa ntchito ndalama.

Kupatukana kwa mabizinesi ogulitsa ndi mawonekedwe

3. Gulu lazogulitsa mabizinesi ndi mitundu yawo 📊

Ngakhale kuti mabizinesi aku bizinesi akuwoneka osavuta mokwanira, ndiosiyanasiyana, mtundu uliwonse uli ndi mitundu yawo. Chifukwa chake, ndikofunikira kuwagawa.

Izi zitha kuchitika pazifukwa zingapo:

Mbali 1. Mwa umwini

Mwa umwini, amasiyanitsa pakati pazogulitsa zawo ndi bizinesi ya wina.

Ngati wogulitsa pachiyambi ali ndi ndalama zokwanira, komanso chidziwitso, luso, ndipo akufuna kuti azigwirira ntchito yekha, mutha kupanga ndalama kuti mupange bizinesi yanu. Amalonda ambiri amaona kuti njirayi ndi yosangalatsa kwambiri.

Ubwino wamalonda amtunduwu ndi awa:

mwayi woti akwaniritsidwe;
kubwerera kwakukulu pazogulitsa.

Pali zovuta pakuika bizinesi yanu.

Ena mwa iwo ndi awa:

chiopsezo chachikulu, popeza zingakhale zovuta kuneneratu za zomwe zikupanga bizinesi;
kufunika kokhala ndi chidziwitso ndi maluso ena;
Sikuti ndalama zakuthupi zidzafunika kokha, komanso kuwonongera nthawi ndi khama;
ndalama zazikulu zoyambirira.

Ponena za kuyika bizinesi yamunthu wina, njirayi ndiyosavuta. Poterepa, simuyenera kuthana ndi mavuto osiyanasiyana m'bungwe. Pambuyo pobzala ndalama, akatswiri okha ndi omwe angachite nawo ntchitoyi: ikani ndi kuyalimbikitsa.

Mbali 2. Mwa kuchuluka kwa ndalama

N'zotheka kugawa ndalama mu bizinesi ndi kuchuluka (gawo) lazachuma.

Poterepa, pali:

Kulipira kwathunthu kwa zochitika. Poterepa, vuto lazachuma limagwera kwa m'modzi m'modzi. Ndalama zoterezi zimapezeka kwambiri mukamapanga bizinesi yanu.
Ndalama zapadera, zomwe zingathenso kutchedwa kutenga nawo mbali pamagulu ofanana. Nthawi yomweyo, ndalama zomwe zimalandiridwa kuchokera kwa omwe amapanga ndalama zimangokhala gawo limodzi likulu la kampani yomwe idakhazikitsidwa.

Mbali 3. Mwa gawo lazogulitsa

Mutha kugawa ndalama kubizinesi pofika nthawi yomwe ndalama zimapangidwa:

Kuyika ndalama poyambira kumachitika koyambirira kwenikweni kwa ntchito... Poterepa, pali lingaliro, chitukuko chomwe chikukonzekera kuchitidwa pogwiritsa ntchito ndalama zomwe zimachokera kwa osunga ndalama.
Ndalama m'mapulogalamu omwe alipo. Nthawi zambiri, chitukuko cha bizinesi chimafuna ndalama zowonjezera zomwe zimakopa kwa omwe amagulitsa. Pankhaniyi, kampaniyo ilipo kale, ikugwira ntchito inayake, ili ndi makasitomala ake, ndipo imabweretsa phindu linalake.

Mbali 4. Malinga ndi mtundu wa phindu lomwe mwalandira

Pachifukwa ichi, munthu amatha kusiyanitsa yogwira ndipo kungokhala ndalama... Pachiyambi, wogulitsa ndalama nthawi zambiri amakhalanso mutu wa kampaniyo. Ndi ndalama zongokhala, ntchito yolumikizira imasunthira paphewa la manejala.

Mbali 5. Ndi mtundu

Mwa mtundu, bizinesi yamabizinesi itha kukhala Molunjika ndipo mbiri.

Kubzala mwachindunji ndi kubzala ndalama m'kampani inayake.
Pankhani yachuma chachuma, likulu lazogulitsa limagawidwa m'magawo angapo amabungwe. Poterepa, kuchuluka kwa magawo omwe kampani yomwe idapeza m'makampani amatchedwa mbiri.

Magawo akulu azomwe zimapangitsa kuti azitha kuzindikira mwachidule afotokozedwa mwachidule patebulo:

Chikhalidwe cha gulu	Mitundu yazachuma
1. Mwa umwini	Kuyika bizinesi yanu
1. Mwa umwini	Investment mu bizinesi ya wina
2. Mwa kuchuluka kwa ndalama	Ndalama zonse
2. Mwa kuchuluka kwa ndalama	Kutenga nawo mbali pazachuma
3. Mwa gawo la ndalama	Ndalama zoyambira
3. Mwa gawo la ndalama	Ndalama m'mapulogalamu omwe alipo
4. Malinga ndi momwe amalandila phindu	Ndalama zogwira ntchito
4. Malinga ndi momwe amalandila phindu	Ndalama zopanda phindu
5. Mwa mawonekedwe	Mwachindunji
5. Mwa mawonekedwe	Mbiri

Chifukwa chake, pali mitundu yambiri yazachuma, yomwe imasiyanitsidwa malinga ndi njira zosiyanasiyana.

Njira zodziwika bwino zogwirira ntchito (kulowa) muzinthu zamabizinesi

Njira zazikulu za 4.7 zogwirira ntchito mu bizinesi 💰

Anthu ambiri amakhulupirira kuti mutha kungogulitsa bizinesi yanu. Komabe, pali zosankha zingapo pazandalama zotere, zosiyana ndi momwe otenga nawo mbali amatenga nawo mbali, kuchuluka kofunikira ndi magawo ena.

Pansipa pali njira zazikulu 7 zochitira bizinesi:

Njira 1. Kukhala ndi bizinesi yanu

Njirayi nthawi zambiri imakhala yoyamba kuganizira za iwo omwe amva lingalirolo Kugulitsa mabizinesi.

Pogwiritsa ntchito njirayi, muyenera kuyika ndalama muzinthu osati ndalama zokha, komanso zoyeserera zanu komanso nthawi yanu. Ndiye kuti, njira iyi yoyendetsera ndalama ndi ndalama zogwirira ntchito.

Kubweza ndalama sikuyamba nthawi yomweyo. Koma pali kuphatikiza kopitilira kwa wogulitsa ndalama - phindu lonse lidzakhala lake kwathunthu.

Anthu ambiri amalota bizinesi yawoyawo. Koma ziyenera kumveka kuti si aliyense amene angathe kutsogolera ndikukula. Muyenera kuyika ndalama pano moyo, chidziwitso ndi chidziwitso, phunzirani zambiri.

Njira 2. Kuchita nawo mwachilungamo bizinesi

Njirayi yopangira ndalama ndikuyamba bizinesi ndi imodzi mwazotchuka kwambiri. Makampani ambiri otsogola padziko lapansi adatulukira ndendende chifukwa cha njirayi.

Kutchuka kwa njirayi kumachitika makamaka chifukwa chakuti sialiyense amene ali ndi ndalama angathe kuyendetsa bizinesi yake payekha.
Nthawi zambiri zimachitika motere: m'modzi amapereka pafupifupi ndalama zonse zofunika, winayo amayang'anira kampani.

Nthawi zambiri kuchuluka kwa mphamvu komanso phindu pakati pa abwenzi malinga ndi magawo omwe bizinesi yawo ili nawo. Kuti pasadzakhale kusagwirizana mtsogolomu, ndibwino kuti tifotokozere zonse zomwe zitha kuchitikapo nthawi yomweyo ndikuzikonza mgwirizanowu.

Njira 3. Kuyika ndalama poyambira

Poterepa, ndalama zimapangidwa mu ntchito zatsopano. Nthawi zambiri, pagawo lazogulitsa, pamangokhala lingaliro. Nthawi yomweyo, amene adapanga alibe ndalama zoti agwiritse ntchito.

Kuyamba ndi chiyani, pali mitundu yanji, ndi zina zotero, tidalemba m'nkhani yapadera.

Wogulitsa ndalama, wogulitsa ntchito, amaganiza zowopsa zonse zakukwaniritsidwa kwake. Pachifukwa ichi, amadzipangira ndalama zambiri (nthawi zambiri mpaka 90%). Wolemba ntchitoyi akuwongolera mwachindunji.

Njira iyi yoyendetsera ndalama imalumikizidwa ndi chiopsezo chachikulu. Mu gawo lachilengedwe, simungadziwe momwe msika ungachitire ndi chinthu chatsopano. Ntchitoyi ikhoza kubweretsa phindu lalikulu, kapena itha kulephera.

Njira 4. Kugulitsa masheya

Njira zam'mbuyomu zikuyimira kugulitsa ndalama mwachindunji m'makampani. Kugulidwa kwa magawo ndi ndalama kudzera mwa nkhalapakati, ndiko kusinthana.

Gawo ndi chitetezo chomwe chimatsimikizira kuti Investor ali ndi ufulu wokhala ndi gawo laling'ono la kampaniyo.

Pali njira zingapo zopangira ndalama pakukweza:

zoyeserera - kugula pamtengo wotsika, kugulitsa pamtengo wokwera (Tidalemba mwatsatanetsatane za masewerawa pamsika wamagulu pazinthu zina);
poyembekezera kugwa kwamtengo, muyenera kubwereka kwa broker, kenako mugulitse, mtengo ukatsika, gulani ndi kubweza ngongoleyo. Kusiyana kwamtengo kumapanga phindu;
amalandila magawo pachaka kapena pachaka (nthawi zina kukula kwawo kumakhala kochepa kwambiri, nthawi zina salipidwa konse).

Ogawana nawo akhoza kutenga nawo mbali pamisonkhano yamasheya. Ngati kuchuluka kwa magawo kuli kwakukulu, osunga ndalama amatha kusintha momwe bungwe limayendera. Komabe, nthawi zambiri amangolandira ndalama zochepa.

Zotsika mtengo kwambiri ndizogawana kwamakampani atsopano. Komabe, chiwopsezo chazomwe zimachitika pakuzigula ndizachikulu kwambiri.

Asanagule zotetezedwa zilizonse, wogulitsa ndalama ayenera kuphunzira mosamala momwe ndalama zilili ndi bungwe.

Amalonda ambiri opambana amapanga ndalama m'matangadza ndi zida zina zachuma kudzera mwa broker.

Njira 5. Kugula ma bond

Mabond ndi zotetezera zomwe zimatsimikizira kuti wogula adabwereka ndalama ku kampani. Ndiye kuti, pankhaniyi, wogulitsa ndalama amapatsa kampaniyo ngongole yapadera.

Mabond ndi zotetezera zomwe chiwopsezo chake chimakhala chochepa poyerekeza ndi magawo. Mutha kupanga ndalama mwa kuwalingalira. Kuphatikiza apo, pali zokolola zokhalitsa - coupon.

Popeza masheya awa ndi achitetezo cha ngongole, amawerengedwa kuti ndiodalirika kwambiri. Ngakhale eni mabande akuluakulu alibe ufulu wolowerera pakampani, amangopeza ndalama zawo ngongole.

Chiwopsezo cha ngongole lagona pa kuthekera kwawo zosasintha... Ndizopamwamba, ndipamwamba zokolola zamakalata zimaperekedwa pa iwo.

Tiyenera kukumbukira kuti makampani omwe anthu ochepa amawakhulupirira akuchulukitsa kuponi pamitengo kuti akope ndalama zambiri.

Njira 6. ndalama zothandizana

Njirayi ndi kutali kwambiri ndi ndalama zomwe zimagwirizana ndi zowongoka. Ndalama zothandizirana ndimagulu osiyanasiyana azinthu zosiyanasiyana: zotetezedwa, kugulitsa nyumba ndi malo, mobwerezabwereza - chuma cha ndalama zosiyanasiyana komanso zopangira.

Wogulitsa amapeza gawo m'thumba. Omalizawa amasankha okha momwe angasinthire zoopsa komanso komwe angagwiritse ntchito ndalama.

Chosavuta chachikulu cha ndalama ndikudalira kwamphamvu kwambiri pamavuto amsika wosinthanitsa. Nthawi yomweyo, kusiyanasiyana kwakukulu kwachuma sikungathandizenso. Komanso, mutha kupeza ndalama pogula magawo pokhapokha pakukula kwamsika.

Ubwino wazachuma chotere ndi kungokhala chabe. Wogulitsa ndalama sasowa kuti achite kalikonse, oyang'anira thumba limodzi amamugwirira ntchito. Komanso, palibe mabungwe. Phindu ndi zotayika zonse zimapangidwa chifukwa cha kusiyana kwa mtengo wamagawo.

Njira 7. Hedge ndalama

M'mayiko a CIS, chida chotere sichinafalitsidwe bwino. M'malo mwake, amafanana ndi ndalama zothandizirana, koma atha kupeza phindu pongoganiza zachitetezo, komanso ma coupon ndi magawo. Chifukwa chake, atha kupanga ndalama panthawi yotsika msika.

Otsatsa akulu okha ndi omwe amatha kutenga nawo mbali pazogulitsa zamtunduwu. Kuyamba Kulowera Hedge Fund Kuyamba kuchokera madola 100 (zana).

Chifukwa chake, pali njira 7 zazikulu zopangira bizinesi. Komabe, ngati mukuwoneka mochuluka, ndalama zonse posachedwa zimayamba kugulitsa.

Malangizo apadera pakuika ndalama muzoyambira mu 2020 ku Russia, komwe mungapezeko ndalama mopindulitsa

5. Kuyika ndalama poyambira - TOP-13 mayendedwe abwino kwambiri a 2020 ku Russia, komwe mungapezeko ndalama 💎

Msika woyambira ku Russia ukuwonjezeka kwambiri, kuchuluka kwa ndalama zake kukukulira chaka chilichonse. Chifukwa chake, kwa aliyense amene aganiza zopeza ndalama kubizinesi, ndikofunikira kudziwa madera oyambitsa omwe akuwoneka kuti ndiofunikira kwambiri.

Mayendedwe azachuma akukulira pang'onopang'ono. Komabe, kwakanthawi yayitali, atsogoleri amakhala osasintha. Izi zikuphatikiza ma projekiti a IT (bizinesi pa intaneti), komanso mabizinesi ang'onoang'ono, kuphatikiza omwe amachitika pogwiritsa ntchito chilolezo (Tidalemba m'kabuku kena mwatsatanetsatane komanso mwatsatanetsatane chilolezocho ndi mawu osavuta).

Gawo lamagetsi likutsalira pang'ono ndi kuchuluka kwachuma. Mitengo yamafuta ndiyosakhazikika, anthu akusamala kwambiri zachilengedwe. Chifukwa chake, pankhani yamagetsi, otchuka kwambiri pakati pa osunga ndalama ndi ntchito zokhudzana ndi chilengedwe magwero ena amagetsi azachilengedwe.

Tiyeni tiwone mayendedwe amtundu woyambira omwe ali odziwika kwambiri pakadali pano. Akatswiri akukhulupirira kuti ndi omwe adzapitilizebe kutsogola zaka zisanu zikubwerazi.

1) mayendedwe 8 mu IT

Dera la IT limayimilidwa ndi magawo ambiri osiyanasiyana.

Malangizo 1. Maloboti

Okhazikitsa ndi omwe amagulitsa ndalama amawononga nthawi ndi ndalama zochulukirapo kuti athe kuwongolera zonse pogwiritsa ntchito njira zakutali, mwachitsanzo pamakampani.

Zachikhalidwe ndi gawo lina lodziwika bwino la maloboti. Mwanjira imeneyi, maloboti adapangidwa kuti azithandiza anthu olumala, komanso kupanga pulogalamu yoti awakomere.

Kuwongolera 2. Mapulogalamu osindikiza a 3D

M'zaka zaposachedwapa, chosindikizira 3D wakhala yojambula mu makampani. Ichi ndichifukwa chake, pakadali pano, ntchito yopanga mapulogalamu omwe adzaonetsetse kuti kugwiritsa ntchito matekinolojewa ndi yofunika kwambiri.

Malangizo 3. Zipangizo zamagetsi zathanzi

Izi zikutanthawuza ntchito zomwe zitha kukhazikitsidwa pazida zam'manja ndikuzisandutsa dokotala kapena wophunzitsa, komanso katswiri wazakudya. Masiku ano, kubzala ndalama muzinthu zoterezi ndi ena mwa otchuka kwambiri pamapulatifomu omwe amapereka ndalama zambiri.

Ponena za kubzala ndalama zambiri, kubweza anthu ambiri - ndi chiyani, nsanja zobweza anthu ambiri ndi zina zotero, tidalemba m'nkhani yapadera.

Akatswiri amati ntchito zoterezi zidzatchuka kwambiri mtsogolomu. Palibe munthu m'modzi yemwe angachite popanda mapulogalamu opangidwa ndi chithandizo chawo.

Malangizo 4. Kusungidwa kwamtambo

Akatswiri akuti mzaka zikubwerazi, chidwi cha omwe adzagwiritse ntchito ndalama pamaukadaulo amtambo chidzapitilira, komanso mwayi wosunga zidziwitso zambiri zofunikira. Poyambirira tsopano zimayikidwa osati zowoneka bwino kwambiri komanso mawonekedwe owoneka ngati chitetezo cha zomwe zatsitsidwa.

Akatswiri akukhulupirira kuti omwe atha kupanga mapulogalamu abwinobwino azachinsinsi adzagulitsa msika wa matekinoloje amenewa.

Kuwongolera 5. Zambiri Zambiri

Mapulojekiti okhudzana ndi kukhazikitsidwa kwa mapulogalamu omwe amayenera kusungidwa, komanso kugwira ntchito ndi chidziwitso chochuluka, amakhalabe otchuka.

Ogulitsa akhala akukhalabe ogula pazinthu zoterezi.

Kuwongolera 6. Kuphunzira patali

Dera lazachuma limaonedwa kuti ndi limodzi mwabwino kwambiri. Mapulogalamu omwe amalola kuti aphunzire patali akupezeka kutchuka kwambiri masiku ano.

Kufunika kwa ntchito zotere kuli pamlingo wapamwamba kwambiri, chifukwa chake, kukonza mapulojekitiwa kudzapitilira posachedwa, zomwe zikutanthauza kuti zidzakhala zopindulitsa kuyika ndalama pazinthu zoterezi.

Kuwongolera 7. Ntchito zachitukuko cha ana

Mwana aliyense ali ndi zida zamakono m'manja amakono. Nthawi yomweyo, pali mapulogalamu osangalatsa kwambiri omwe amakulolani kuti muwaphunzire pamasewera. Ntchito ngati izi ndizosangalatsa pakati pa osunga ndalama.

Kuwongolera 8. Kufunsira kwa mafoni

Mapulogalamu omwe amapangitsa moyo kukhala wosavuta kwa aliyense, amawathandiza kuti azitha kuyendetsa bwino ndalama, nthawi, maphunziro ndi zina zofunika. Mapulogalamuwa ndi otchuka kwambiri masiku ano.

Kuphatikiza apo, pali ntchito zambiri pamsika. Chifukwa chake, kuyambitsa kulikonse kuyenera kuyesa kupeza chinthu chapaderadera.

Komabe, pali zosankha, mutha kupanga mapulogalamu omwe azikhala akutali momwe mungathere, mwachitsanzo, oyenera okhala mumzinda wina kapena mzinda waukulu.

Madera azachuma m'mabizinesi ang'onoang'ono

2) mayendedwe 5 mu bizinesi yaying'ono

Oyambitsa otchuka kwambiri samangokhala m'munda wa IT, komanso m'mabizinesi ang'onoang'ono. Zomwe zili zofunikira kwambiri zafotokozedwa pansipa.

Malangizo 1. Kukonza zinyalala

Zochitika zachilengedwe zimapezeka m'mbali zonse za moyo. Chifukwa chake, mafunso okhudza kukonza zinyalala zamtundu uliwonse ndizofunikira kwambiri kwa anthu ambiri masiku ano.

Kupeza ndalama si kovuta pazoyambira izi. Zipangizo zofunikira ndi makina amatha kubwerekedwa kapena kubwerekedwa. Tidalemba za kubwereketsa m'nkhani yathu yapita. Kuphatikiza apo, mapulogalamu otere samangokopa chidwi chokha mabizinesi azinsinsikomanso zosiyana nyumba zaboma.

Kuwongolera 2. Kuphunzitsa kugwira ntchito pakompyuta

Mitundu yonse yamapulogalamu yomwe imalola anthu kuphunzira momwe angapangire mapulogalamu, kupanga mawebusayiti ndi makanema ojambula pamanja, komanso kusintha makanema, kugwira ntchito ndi zithunzi ndizochita zabwino kwambiri.

Kuwongolera 3. Kutumiza ntchito

Wogulitsa mabizinesi aliyense amafunika kumvetsetsa kufunikira kwakugulitsa makampani. Makampaniwa amatha kusunga ndalama zochuluka ndipo nthawi yomweyo amapeza ntchito yabwino.

Ndiye chifukwa chake akatswiri ambiri amakhulupirira izi kutulutsa kunjaNdi njira yakutsogolo.

Kuwongolera 4. Omasulira omasulira

Pakutsatsa lero, zomwe zimaperekedwa ndizofunikira kwambiri. Zambiri zimachokera kumalo osiyanasiyana akunja.

Chifukwa chake, oyamba kumene amakhulupirira kuti makampani otanthauzira okhutira ndi amodzi mwamadongosolo otukuka kwambiri.

Ntchito zoterezi ndizofunikira kwambiri pantchito yotsatsa pa intaneti.

Kuwongolera 5. Ntchito zoyesera

Ntchito yotereyi imakupatsani mwayi wowunika momwe ntchitoyo imagwiritsire ntchito ntchitoyi isanayambe. Kuwunikaku kumapangitsa kutulutsa kumsika kokha zinthu zomwe zili zotsutsana. Zotsatira zake, kale kumayambiriro kwa ntchitoyi, amalonda oyambira akhoza kusunga ndalama zambiri.

Chifukwa chake, pali madera angapo olonjezedwa oyika ndalama poyambira. Wogulitsa ndalama aliyense ayenera kutsogozedwa ndi zomwe amadziwa komanso zomwe amakonda, ndikofunikira kukhala ndi lingaliro lamadera omwe akukonzekera kuti azipatsidwa ndalama.

Njira zazikulu zopezera ndalama muzinthu zoyambira

6. Kuyika ndalama mumabizinesi akampani - njira zisanu zazikulu zopezera ndalama poyambira 📝

Poganiza zopeza ndalama poyambira, wogulitsa ayenera kusankha momwe angachitire.

Pali njira zingapo zoyikirira poyambira:

Njira 1. Kudzera mumapulatifomu osunga ndalama

Njirayi ndi yabwino kwa oyamba kumene. Kudzera pamapulatifomu ngati awa, mutha kugawa ndalama pakati pa mapulojekiti angapo, ndikuyika ndalama zochepa mu iliyonse ya izi. Njirayi imathandizira wogulitsa ndalama kuti adziwe zambiri komanso kudziwa zambiri.

Kupanga phindu ndi ndalama zotere ndizotheka m'njira zingapo:

monga mafumu, omwe amamveka ngati chiwongola dzanja;
ndi zomwe zimatchedwa kubwereketsa kotchuka, patadutsa nthawi, wobwezeretsayo amabwezeredwa ku ndalama zomwe adayikapo limodzi ndi chiwongola dzanja;
akagwiritsa ntchito kubweza ndalama zambiri, wogulitsa ndalama amalandira gawo m'gululi.

Otsatsa omwe amagwiritsa ntchito njirayi ayenera kumvetsetsa kuti ndiyowopsa. Apa pali mwayi kuti ntchitoyi sidzayendetsedwa konse.

Kuphatikiza apo, malamulo aku Russia sakutanthauzira malingaliro omveka pazachuma chotere. Zitsimikiziro zilizonse zimaperekedwa pokhapokha magawo amakampani atapeza.

Njira 2. Angelo amalonda

Pogwiritsa ntchito njirayi, muyenera kuyika ndalama pafupipafupi kuti mulandire gawo kapena kuchotsera pakugula magawo gawo lotsatira likamadza. Pachikhalidwe, timatanthauza kuchuluka kwake kuchokera 50 (makumi asanu) mpaka 300 (mazana atatu) madola zikwi.

Nthawi zambiri, thandizo limaperekedwa kumayambira omwe alibe bajeti yazomwe zapangidwe. Zotsatira zake, chiwopsezo chachuma chimakula kwambiri.
Chifukwa chake, angelo omwe akudziwa zambiri, kuti athe kusiyanitsa zowopsa, agwire ntchito zingapo nthawi imodzi.

Kuyika ndalama munjira yomwe mukuganiza kumafunikira kudziwa za bizinesi yomwe ndalama zimayendetsedwa. Izi zipangitsa kuti athe kuwunika moyenera ntchito zomwe zaperekedwa.

Njira 3. Makalabu azachuma

Poterepa, wogulitsa ndalama amasamutsira ndalamazo ku kalabu, yomwe, pomupempha, amafufuza ntchitoyi. Pachifukwa ichi, kilabu imalamula ndalama kuchokera kwa wogulitsa. Wogulitsa ndalama amapulumutsa kwambiri nthawi yake ndipo nthawi yomweyo amatha kuwongolera zonse.

Njira iyi yoyikira poyambira ndiyabwino kwa oyamba kumene. Chifukwa chogwiritsa ntchito, wochita kumene ndalama amapeza mwayi wochita nawo ntchito zazikuluzikulu zomwe zimakhala ndi ndalama zochepa.

Palinso chiopsezo chotaya ndalama mukamachita nawo kalabu. Nthawi zambiri zimalumikizidwa ndi chikhulupiriro choyipa cha gululi, chomwe chimakulitsa kuchuluka kwa ntchito zomwe zikuchitika, kutsitsa kwambiri zofunika kuti mapulojekiti azitenga nawo mbali.

Momwe mungapezere wogulitsa mabizinesi, komanso malamulo omwe muyenera kutsatira mukamafunafuna ndalama, tidalemba m'nkhani yapadera.

Njira 4. Kuika ndalama mu ndalama zogulitsa

Njirayi ndiyopanda ndalama. Wogulitsa ndalama ayenera kulipira komitiyi, ntchito yonseyo ichitidwa ndi akatswiri.

Zoperewera Ndalama zamtunduwu ndikuti sizikukula bwino. Ndizovuta kupeza makampani omwe achita bwino pazachuma zingapo.

Kuphatikiza apo, ndalama zomwe zimayendetsedwa nthawi zambiri zimayika okhazikika munjira zolimba: ndalama zochepa zomwe amakhala nazo nthawi zambiri zimakhala pamadola 500 zikwi.

Njira 5. Kupanga thumba lanu lamalonda

Otsatsa omwe ali Madola 10 miliyoni, komanso mwayi wokhala ndi gulu la akatswiri ndikubwereka ofesi, atha kuyesera kupanga thumba lawo. Makampani otere nthawi zambiri amangogulitsa ndalama pazinthu zokonzedwa bwino. Komabe, nthawi zambiri osaposa 30% mwa iwo ndi opindulitsa.

Ndi mtundu wamalondawu, zowopsa ndizokwera kwambiri. Komabe, ngati zinthu zikuyenda bwino, ndalamazo zidzakhalanso zazikulu kwambiri.
Pali zovuta zambiri pakupanga thumba lanu lazamalonda, choyambirira, amalumikizidwa ndi chitukuko osauka cha dera lino ku Russia.

Chifukwa chake, pali njira zingapo zopezera ndalama poyambira. Wogulitsa ndalama ayenera kusankha choyenera kutengera zomwe akudziwa, kukula kwa capital, komanso chiwopsezo chovomerezeka.

Kuwongolera mwatsatane-tsatane pakuika ndalama mu bizinesi yanu

7. Momwe mungayambire ndalama mu bizinesi yanu - kalozera ndi sitepe 📋

Kukula kwa bizinesi kumakhudzidwa ndi zinthu zambiri. Choyamba, psychology, komanso ukadaulo wazamalonda.

Ntchito zoyendetsedwa bwino zimakhudza kuyambitsa bwino ndikupititsa patsogolo bizinesi. Ziwerengero zimatsimikizira izi za 90% ntchito zimakhala zopanda phindu kale m'zaka ziwiri (ziwiri) zoyambirira zakukhalako.

Nthawi yomweyo, chifukwa sikuti nthawi zonse pamakhala mpikisano wokwera. Nthawi zambiri, bankirapuse imagwirizanitsidwa ndi kusowa kwa pulani yomveka, komanso lingaliro la chitukuko.

Malangizo kwa ochita bizinesi oyamba angakuthandizeni kuchepetsa zoopsa, komanso kuwonjezera mwayi wabizinesi yopanga phindu.

Gawo 1. Khazikitsani gawo la zochitika

Akatswiri akunena kuti kupeza bizinesi yomwe ili yoyenera kwa inu kungakhale kovuta. Izi ndizojambula zenizeni.

Musaope kuyambitsa chinthu chosadziwika. Tiyenera kumvetsetsa kuti nthawi zambiri amakhala oyamba kumene ndi apainiya omwe amayamba phindu lalikulu kwambiri.

Kuphatikiza apo, ngati mutapeza bizinesi yabwino, yomwe palibe amene wagwirapo ntchito, simungangopeza ndalama zambiri, komanso mupeze mbiri padziko lonse lapansi. Nthawi yomweyo, zaka, komanso kuchuluka kwa chidziwitso kulibe kanthu.

Mutha, kumene, kusankha ndi njira zochepa zowopsa... Kuti muchite izi, ndikwanira kutsatira njira zomwe zilipo kale zamabizinesi. Musaope madera omwe mukuchita nawo mpikisano waukulu.

chinthu chachikulukotero kuti polojekiti yanu ikufunika kwambiri. Mwachitsanzo, kukhalapo kwa malo ambiri okongoletsera mu megalopolis sikungapangitse kutayika kwa wina wa iwo, popeza ntchitoyi ikufunika kwambiri.

Ntchito yayikulu koyambitsa bizinesi iliyonse ndikupanga mwayi womwe udzakhale wapadera pamsika. Iyenera kulunjika pagulu la ogula, ndizofunikira zawo zomwe ziyenera kukhutitsidwa bwino kuposa makampani ena.

Gawo 2. Kusankha dongosolo la misonkho

Bizinesi iliyonse imagwirizana ndi kulipira misonkho.Ku Russia, dongosolo la misonkho limapereka mwayi wogwiritsa ntchito njira yosavuta ya misonkho ndi makampani omwe ali mabizinesi ang'onoang'ono. Izi zimakuthandizani kuti muchepetse mavuto azachuma (Za dongosolo losavuta la misonkho kwa amalonda aliyense, werengani m'nkhani yapadera).

Komabe, ziyenera kudziwika kuti ndizopindulitsa kwambiri kwa makampani omwe amapeza ndalama zochepa kuti asankhe njira zoyambira, popeza panthawiyi kuwerengera misonkho kutengera phindu lomwe amalandira.

Gawo 3. Kulembetsa zochitika

Woyambitsa aliyense mu bizinesi atha kusankha mawonekedwe andalamulo omuyenerera. Poterepa, munthu ayenera kuganizira za kuchuluka kwa ndalama zomwe agulitsa, komanso chiwembu chakuchita bizinesi. Nthawi zambiri, oimira makampani omwe akukhudzana ndi mabizinesi ang'onoang'ono amatha kusankha imodzi mwanjira ziwiri zolembetsa: LLC kapena wochita bizinesi payekha.

Ndi njira iti yomwe ili bwino iyenera kusankhidwa malinga ndi momwe zingakhalire. Chifukwa chake polembetsa bizinesi yamunthu payekha, njirayi ndiyosavuta kwambiri. Kuphatikiza apo, kuchita bizinesi monga wochita bizinesi payekha kumafuna kupereka malipoti osachepera. Kwa iwo omwe angoyamba kumene bizinesi ndipo sadziwa bwino zowerengera ndalama, njirayi ndiyabwino kwambiri. Kulembetsa wamalonda aliyense kumatenga pafupifupi sabata, pomwe ndalamazo zimakhala pafupifupi ma ruble 1000.

Chuma chakampani chikachulukirachulukira, padzafunika kuyesetsanso kulembetsa. Nthawi yomweyo, LLC imatsegulidwa, yomwe ili kale bungwe lovomerezeka, zomwe zikutanthauza kuti ili ndi ufulu woyenera. Izi zimasokoneza kwambiri malipoti omwe aperekedwa, komanso zimawonjezera udindo. Polembetsa bungwe la LLC, mudzayenera kulipira ndalama pafupifupi 5,000 rubles.

Gawo 4. Kutsegula akaunti yapano

Zochita zilizonse zomwe mungayike pochita bizinesi zimakhudza kutuluka kwa ndalama. Malangizo ake akhoza kukhala osiyana: kubwezeretsanso chuma, kulipira ngongole, kulandila ndalama... Chifukwa chake, wochita bizinesi kapena LLC ayenera kutsegula akaunti yakubanki.

Amalonda ena otchuka amasankha kugwiritsa ntchito akaunti yomwe yatsegulidwa payekha. Komabe, sikulakwa kusakaniza ndalama zamabizinesi ndi zandalama.

Mukatsegula akaunti, ndikwanira kuti musankhe banki yoyenera. Ogwira ntchito kubanki azithandizira kupirira zotsalazo. Mabungwe ena angongole amapereka kuti atsegule akaunti yomwe ikupezeka pa intaneti (pa intaneti). Nthawi yomweyo, mabanki ena amatha kubweretsa zolemba zawo ku adilesi yabwino.

Gawo 5. Kuyamba

Lingaliroli likapangidwa ndikuti njira zam'mbuyomu zatha, mutha kuyamba kukhazikitsa ntchitoyi. Pachifukwa ichi, ndikofunikira kuti mukonzekere dongosolo lazamalonda. Sitiyenera kunyalanyazidwa Gawo ili lakapangidwe kazamalonda, apo ayi pali chiopsezo chachikulu cha zochitika zosayembekezereka. Tidalemba m'nkhani yapadera momwe tingapange dongosolo lamabizinesi ang'onoang'ono.

Ndondomeko yachitukuko yothandiza kuchepetsa mavuto. Pakakhala zosintha mosayembekezereka kapena kumayambiriro kwa ngozi ndi makampani omwe akupikisana nawo, ndiye bizinesi yomwe ingakuthandizeni kuthana ndi zovuta.

Dongosolo likakonzedwa, mutha kuyamba mwachindunji ndi bizinesi. Kuti muchite izi, muyenera kukhazikitsa ubale ndi ogulitsa, ogula, makasitomala ndipo ogula.

Ndikofunikira kukonzekera kuti kuyambitsa bizinesi ndi ndondomeko pang'onopang'ono... Chifukwa chake, palibe chifukwa chodandaula ngati zinthu sizikwera kumayambiriro kwenikweni kwa bizinesi. Nthawi zonse zimakhala zovuta kumayambiriro kwa ntchito. Zochitika zimabwera pang'onopang'ono ndipo zidzakhala zosavuta kuyendetsa bizinesi.

Ofuna kuchita mabizinesi sayenera kukhala osasamala za malangizo omwe aperekedwa. Kutsata masitepe ndikutsatira dongosolo lawo kumathandiza yambitsani bizinesi moyenera.

Ndi zoopsa zotani zomwe Investor angakumane nazo akagulitsa bizinesi

8. Zowopsa zazikulu pakuika bizinesi ndi momwe mungachepetsere 📛

Pali magulu awiri omwe akutenga nawo gawo pazogulitsa zilizonse - wogulitsa yekha ndi mwini bizinesi.

Cholinga cha Investor - kusankha bizinesi, ndalama zomwe zingathandize osati kutaya ndalama zokha, komanso kuwonjezera. Zimapezeka kuti chiwopsezo chazachuma ndichofunikira kwa amene adzagulitse ndalama.

Cholinga cha eni kampani zosiyana - kukopa ndalama kubizinesi osazitaya. Ndiwoopsa amtunduwu omwe ndiofunikira pakupeza ndalama.

Zikupezeka kuti onse omwe akuchita nawo zandalama ali ndi ntchito yofananira - kuchepetsa zoopsa.

Zowopsa zofunika kwambiri pazogulitsa ndizo magulu awa:

bungwe;
malamulo;
zachuma;
zachuma.

Mutha kuthana ndi zoopsa ngati ubale womwe mukuchita nawo bizinesi mutapeza mgwirizano wamalonda. Zitsanzo zambiri zamgwirizanowu zitha kupezeka pa intaneti. Komabe, zenizeni, nthawi zambiri pamakhala zochitika zomwe sizigwirizana ndi miyambo yawo.

Chifukwa chake, pochita bizinesi, ndibwino kuti mupemphe thandizo kwa maloya akatswiri. Izi ndizowona makamaka kwa mgwirizano wogulitsa mwachindunji.

Poterepa, ngati ntchito yolepherayo yalephera, wochita bizinesiyo adzakhala ndi mwayi wobwezera gawo limodzi la ndalama zomwe adayikirazo. Ndipo pakupambana kwa mwambowu, alandila phindu lonse chifukwa cha iye.

Asanapereke ndalama mu projekiti iliyonse, wogulitsa ndalama ayenera kuyisanthula payokha, kapena kuphatikiza akatswiri pazomwezi. Ndikofunikira kuwunika moyenera momwe ntchitoyi imagwirira ntchito.

Ndikofunikanso kuwunika mbiri yakumbuyo, komanso momwe ntchitoyo ilili komanso mwayi wopambana. Kuphatikiza apo, muyenera kuwunika kutalika kwake kubweza kwake kudzabwera.

Ngati wabizinesi apatsa wogulitsa njira yamabizinesi, ndikofunikira kuti awunike bwino magawo ake onse. Makamaka osamala muyenera kukhala ndi mapulani amabizinesi omwe amalonjeza ndalama zambiri. Nthawi zambiri pamakhala zolakwika pakuwerengera, komanso, ngati pangakhale kufunitsitsa kubera, pakhoza kukhala chinyengo cha data.

Ndalama zamabizinesi nthawi zonse zimaphatikizapo zigawo ziwiri (ziwiri) - ndi ndalamaza mwini ndalama, ndipo likulu molunjika kwa mwini polojekiti. Ndikofunikira poyamba pomwepo kuti muwone ngati pali ndalama zokwanira kukhazikitsa ndondomekoyi.

Wogulitsa ndalama akamvetsetsa kuti dongosolo la bizinesi limakhudzanso mwini wake, ndikofunikira kudziwa ngati ali ndi ndalama zokwanira kapena ngati pali zosankha kuti angazipeze kuti. Poterepa, wogulitsa ndalama amadzitsimikizira kuchokera pakufunika ndalama zowonjezera.

Chifukwa chake, musanayike ndalama muzinthu zamabizinesi, muyenera kuphunzira mosamala kukula kwa bizinesiyo. Ngati wogulitsa sakumvetsa pamutuwu, kapena alibe akatswiri omwe ali ndi chidziwitso chokwanira pantchito zomwe zaperekedwa, sizoyenera kuyika ndalama pantchitoyo.

Ndikofunika kuyika bizinesi yomwe mumadziwa kapena yosavuta mokwanira kuti osunga ndalama amvetse. Kupeza wabizinesi yemwe amafunikira ndalama si vuto. Kwa wogulitsa, kuyendetsa bwino ntchito kumabwera poyamba.

Ndikofunika kuyika bizinesi yomwe idapangidwa mwadongosolo ndipo idzabweretsa phindu mtsogolo. Kupanda kutero, ndalamazo sizingabwezeredwe.

Akatswiri amalimbikitsanso kuti osunga ndalama apite kupanga kaya mkati ofesi ya kampani, momwe mukukonzekera kuyika ndalama. Izi nthawi zambiri zimathandiza ogulitsa kupanga chisankho choyenera cha kuthekera kopeza ndalama pulojekiti, chifukwa zimathandizira kuwunikira kuwunika kwamakampani pakampani ndikupanga.

9. Mafunso Ofunsidwa Kawirikawiri (FAQ) 📢

Kuyika bizinesi mu bizinesi ndichinthu chovuta kwambiri, chifukwa chake zimaphatikizira kufunsa kwam mafunso ambiri. Tiyeni tiyese kuyankha omwe amafunsidwa kawirikawiri.

Funso 1. Ndikufuna kuyika ndalama pakulonjeza ntchito zoyambira achinyamata. Ndingachite bwanji izi?

M'nkhaniyi, tayankha kale funsoli, choncho tidzayankha mwachidule komanso momveka bwino.

Pali njira zingapo zoyikirira poyambira:

Sungani ndalama kudzera nsanja zokolola anthu ambiri (kuyamba.ru, mypao.ru);
Kubwereza ngati mngelo wabizinesi... Ndiye kuti, kuti muzipanga ndalama mumabizinesi osiyanasiyana kumayambiriro koyambirira, kuti mupeze gawo pakampani kapena ngongole yomwe ingasinthidwe (pomwe wogulitsa ndalama amapeza magawo kuchotsera mtsogolo). Ndalama za angelo nthawi zambiri zimakhala kuchokera $ 45-50 zikwi mpaka $ 300-350 zikwi.
Sungani ndalama kudzera zibonga zamalonda. Poterepa, osunga ndalama amapatsa kilabu magawo ndi mawonekedwe ake (zokonda zawo) pazinthu zosungitsa ndalama, kilabu imapeza mapulojekiti molingana ndi zomwe zikufunika ndikukonzekera mgwirizano, komwe imalandira ntchito. Kalabu imayang'anira zonse zomwe zikuchitikazo. (alibweb.vc, common.skolkovo.ru/ru/espace/investors, gsambagu.ru)
Tumizani ndalama kwa kasamalidwe ka thumba lazamalonda... Tithokoze chifukwa cha ntchito zabwino komanso zodalirika, zoopsa zaogulitsa zimachepetsedwa kwambiri. Thumba loyendetsera lokha limayang'anira ntchito zoyambira, ndipo Investor amalipira ndalama zoyendetsera ndalama ndipo amalandila magawo.
Pangani thumba lanu lamakampani oyambira. Kuti mupange thumba lantchito, muyenera kupanga kampani, kubwereka ofesi (malo amalonda), kukhala ndi gulu la akatswiri ndikukhala ndi capital capital, osachepera Madola 10 miliyoni... Nthawi zambiri, ndalamazi zimayendetsa ntchito zokhwima kwambiri komanso zopangidwa bwino kuposa angelo omwewo. Monga lamulo, kuchuluka kwa zomwe zilipo zili pamiyeso kuyambira $ 1 miliyoni mpaka $ 5 miliyoni... (komanso, pafupifupi 70 peresenti ya ntchito zonse zomwe zimayendetsedwa, monga lamulo, sizimabweretsa phindu).

Munkhani yapadera, tidakambirananso za njira zopezera ndalama pa intaneti mwatsatanetsatane.

Funso 2. Kumene mungayang'anire oyambitsa?

Ngati mungaganize zodzipangira nokha ntchito ndikuyamba ndalama pamenepo, ndiye kuti timalimbikitsa kugwiritsa ntchito malingaliro athu.

1. Lembetsani m'mabuku oyambira monga Investor

M'mabuku awa, mutha kusefa mapulojekiti oyambitsa ndi niche (sankhani gawo la zokopa alendo, IT, ndi zina zambiri). Monga lamulo, malongosoledwe a polojekitiwa adakonzedwa bwino m'masamba, chifukwa mapulojekiti onse samayang'aniridwa pang'ono. Ubwino wakusaka uku ndikufanizira mwachangu komanso kowoneka bwino koyambira.

Pali masamba ambiri padziko lapansi pano, koma tikupangira izi:

AngelList - ntchito yayikulu yapadziko lonse lapansi yopeza ndalama ndi zoyambira (ndiye woyambitsa gawo loyambira), pamaziko amitundu yambiri yomwe yayamba. Mndandanda wazosungira uli ndi zoyambira zoposa 1600 ndi oyambitsa 380 ochokera ku Russian Federation (ndipo kuchuluka kwawo kukuwonjezeka)
Anayamba.ru Ndi nsanja yokolola anthu ambiri yomwe imagwira ntchito poyambira. Tsambali limakupatsani mwayi womaliza mgwirizano wogwirizana. Zochitika zimachitika kuphatikiza pamisonkhano yotsekedwa ya omwe amagulitsa ndalama zawo. Monga lamulo, amalonda akuitanidwa ku zochitika zoterezi, omwe ali okonzeka kuyika projekitiyo kuchokera ku ma ruble 300,000. Pali osunga ndalama pafupifupi 800 mu database.
Kuthetheka - ntchito yopeza wogulitsa ndalama, koma posachedwa mapulojekiti atsopano osangalatsa ndi ukadaulo adakwezedwa pamenepo, pomwe opanga adagawana zomwe akumana nazo ndikukweza mapulojekiti azachuma. Nawonso achichepere ali ndi ntchito pafupifupi 4500, pomwe pafupifupi 1500 zimafunikira ndalama.

2. Onani zambiri pamasamba otseguka oyambira

Apa mutha kuwona mapulojekiti omwe akopa kale ndalama.

Crunchbase.com ndi amodzi mwamasamba akulu kwambiri pamsika wamsika, womwe uli ndi mbiri yopitilira 700 ya osunga ndalama ndi oyambitsa.
Rb.ru/deals/ - Pulatifomu yaku Russia yokhala ndi nthawi yochitira zochitika, mbiri ya omwe amagulitsa ndalama payokha komanso zoyambira, ndalama, ndi zina zambiri.

3. Tsatirani omaliza a mpikisano

Pakati pa mpikisano, projekiti iliyonse imalimbana ndi mpikisano wovuta komanso kuwunika kwa makhothi. Zotsatira zake, amangokhala mapulojekiti apamwamba kwambiri. Zomwe zimayenera kuyang'aniridwa ndi omwe amagulitsa ndalama.

Tikulimbikitsidwa kuti titsatire mipikisano yosiyanasiyana pazinthu zoyambira ndikuzipitako pafupipafupi. Izi zikuphatikiza -GenerationS, Web Ready, Ulendo Woyambira ku Russia etc.

4. Tsatirani kutulutsidwa kwa ma accelerators

Komanso onetsetsani kutulutsa kwachangu.MofulumiraNdi kampani yomwe ntchitoyi imathandizira makampani ena (okhala pa accelerator). Thandizo la accelerator limakhala pakupanga, kupititsa patsogolo, kuzindikira kampani (mtundu), ndi zina zambiri.

Accelerator ndi pulogalamu yomwe imakulolani mwachangu kuti mupange projekiti kuyambira pomwe idayambika mpaka pomwe idzakhale yosangalatsa kwa wochita bizinesiyo. Ntchito zomwe zafika kumapeto ndizolimba kwambiri, chifukwa adakwanitsa kuthana ndi magawo angapo osankhidwa.

Accelerators amapanga ndalama pogulitsa magawo mu kampani yomwe idapezedwa (kugula) m'mbuyomu.

Accelerators ndi awa - IIDF Accelerator, iDealMachine, "MetaBeta" ndi ena.

Otsatsa ndalama ayenera kudziwa kuti kupambana kwa ndalama kumatsimikiziridwa, mwazinthu zina, ndi chidziwitso. Ngakhale kutenga nawo mbali mu kalabu sikungatimasule kwathunthu pachiwopsezo.

Kuwona kuyambitsa musanapange ndalama

Funso 3. Kodi wogulitsa ndalama angayang'anire kuyambitsa yekha?

Kuti mumve malingaliro pazomwe mukufuna kugulitsa, muyenera kuchita zingapo. Iwo ndi ogwirizana ndi lingaliro Kafukufuku wotsimikizira... Ndikofunikira kuchita izi musanapange ndalama zilizonse, kugula kampani kapena kuyiphatikiza ndi kampani ina.

Kafukufuku wotsimikizira zothandiza pakupanga chisankho chokhudza mgwirizano uliwonse ndi kampani iliyonse.

Ngakhale njirayi ndiyofunikira, osunga ndalama ambiri amanyalanyaza izi. Komabe, kulimbikira kumathandizira ogulitsa kuti azisunga ndalama zawo zonse, chifukwa chake tiyeni tiwone zomwe angachite.

1) Zogulitsa

Wogulitsa ndalama ayenera kulephera kwambiri yesani mankhwala kapena funsani mnzanu yemwe wagwera mwa omvera kuti achite.

Osachepera mtengo amayesa kugulitsa chinthucho kwa wina kuchokera kwa omudziwa. Chifukwa cha izi, zowonadi, zinthu zambiri zosafunikira zidzachotsedwa.

2) Gulu

Ndikofunikira kuti mufufuze mosamala omwe akutsogolera ntchitoyi. Kuti muchite izi, mutha kugwiritsa ntchito malo ochezera a pa Facebook, LinkedIn, ndi zina zambiri ... Apa muyenera kuwunika mbiri za anthu, kuwapeza muma netiweki ena ndikuyesera kumvetsetsa zomwe zimawagwirizanitsa.

Chifukwa chake mutha kumvetsetsa momwe wogulitsa ndalama amakhala wokonzeka kugwirira ntchito ndi anthu otere. Kusuntha kwina konyenga - itanani wina kuti adzafunsidwe mafunso. Pakadali pano, ndizotheka kudziwa zambiri zakampani yomwe ikukonzekera kuyanjana nayo.

3) Wogulitsa

Palibe nzeru kufunsa ena omwe amagulitsa ndalama kuti afotokozere za ntchito iliyonse. Sizokayikitsa kuti yankho lodalirika lipezeka. Bwino kuti muchite mwanjira ina: itanani wabizinesi yemwe sanalumikizidwe mwanjira iliyonse ndi inu ndikupereka khalani wogulitsa ndalama limodzi... Mwachidziwikire, mudzatha kumva malingaliro owona poyankha.

Chifukwa chake, ndizotheka kuyesa nokha polojekiti kuti mupeze ndalama. Chinthu chachikulu ndikutsatira malamulo ena.

Funso 4. Kodi ndi ziti zomwe zikuchitika polemba mgwirizano wamabizinesi (mgwirizano wamalonda)?

Kutsiliza kwa mgwirizano wazogulitsa ikuyimira gawo lofunikira pakupanga ndalama kubizinesi iliyonse. Ndi mgwirizano womwe wapangidwa pakati pa maphwando, omwe ndi omwe amagulitsa ndalama komanso eni bizinesi.

Cholinga chosaina mgwirizanowu ndikuwongolera ubale pakati pa omwe akukhudzidwa ndi zomwe zikuchitikazo, choyambirira, za momwe ndalama ndi ndalama zidzagawidwire pakukhazikitsa ntchitoyi.

Kwa onse omwe ali mgwirizanowu mu mgwirizano mu kuvomerezedwa zomwe zakonzedwa ndalama ndipo ndalama.

Malinga ndi mgwirizano womwe ukuganiziridwa, omwe akuchita nawo ntchitoyi amadzipereka kuti achite zonse zomwe angathe kuti akwaniritse dongosolo lazogulitsa.

Ndikofunika kuzindikirakuti ntchito yayikulu ya wogulitsa ndikuyika ndalama, ndipo eni bizinesi akuyenera kuzigwiritsa ntchito pazolinga zomwe akufuna malinga ndi dongosolo la ntchitoyi.

Wogulitsa ndalama akhoza kukhala ndi gawo lina: bungwe lovomerezeka kapena munthu wina. Amayesetsa kuchita bizinesi inayake. Cholinga chobzala ndalama, makamaka, ndikupanga ndalama m'njira iliyonse. Poterepa, wochita bizinesiyo amatenga zoopsa zina. Amalumikizidwa ndi mwayi kutaya ndalama zomwe mwayika nazo, yonse pamodzi ndi mbali yake.

Ntchito ya wamalonda ndi kupeza ndalama. Cholinga cha zochitikazi ndikukwaniritsa zotsatira zake pazachuma. Mdziko lazachuma, zochitika ngati izi zimamveka ngati zochita za omwe amagulitsa ndalama, zomwe zimakhala ndi gawo lothandiza komanso lowunikira, lomwe cholinga chake ndi kukwaniritsa cholinga chomwe chidakhazikitsidwa.

Musanasaine mgwirizano wazogulitsa, ndikofunikira kuchita zinthu zingapo:

Zokambirana ziyenera kuchitika mosalephera. Pakukwaniritsa izi, wogulitsa ndalama ndi eni bizinesi ayenera kudziwa zomwe ayenera kuchita, komanso njira yogawa ndalama ndi zomwe adzagwiritse ntchito. Zotsatira zakukambirana ndikumaliza kwa mgwirizano.
Mwini wa polojekitiyo ayenera kupanga mapulani a bizinesi yaomwe adzagwiritse ntchito. Mosalephera, chikalatachi chiyenera kuganizira: kusanthula ochita mpikisano wofunikira kwambiri pakampani, msika wazogulitsa wonse, komanso malo omwe kampaniyo imagwira. Kuwerengera kwachuma, kuphatikizapo chiopsezo chomwe akudziwa, ndikofunikanso. Muyeneranso kufotokoza momwe pempholi ndilofunika, logwirizana komanso zachilendo. Pamapeto pa pulani ya bizinesi, pali ziyembekezo za projekiti, komanso zochitika zomwe zingachitike pakukonzekera zochitika.

Pangano lazachuma limangokhala lovomerezeka pokhapokha ngati anamaliza kulemba... Izi zikuyenera kuchitika pokhapokha zokambirana zitachitika ndipo dongosolo la bizinesi lakonzedwa.

Ngati maphwandowo sagwirizana chimodzi pankhaniyi, ayenera kupanga mfundo zosagwirizana. Pambuyo pake, chikalatachi chimagwira gawo lalikulu, makamaka pagawo losainirana mapangano. Pakadali pano, chimawerengedwa kuti ndi gawo limodzi la mgwirizano.

Pali zitsanzo zambiri zamgwirizano wamalonda pa intaneti. Iwo ali osiyana wina ndi mnzake.

Mgwirizano wamabizinesi apabizinesi ambiri - mutha kutsitsa mgwirizano wamalonda kumunsi kwa ulalo

Tsitsani mgwirizano wamabizinesi (mgwirizano wamalonda) (doc., 15.2 kb.)

Komabe, pali mfundo zomwe ziyenera kupezeka pamgwirizano uliwonse:

malongosoledwe azikhalidwe zalamulo la chipani chilichonse;
kuwerengetsa mawu ofunikira kwambiri omwe agwiritsidwa ntchito mgwirizanowu ndi tanthauzo lokakamiza la malingaliro onse;
kutchulidwa kotsimikizika pamutu wamgwirizanowu - ndi mtundu wanji wa pulojekiti yogulitsa ndalama yomwe ili ndi dzina ndi kufotokozera za ntchitoyi, cholinga chake chachikulu, muyenera kuwonetsanso yemwe akupanga ntchitoyi;
kwa nthawi yayitali kuti mgwirizano watsirizidwa;
momwe kukhazikitsidwira pansi pamgwirizanowu. Ngati maphwando agwirizana za ufulu wa wochita bizinesi osati wamkulu yekha, komanso ndalama zowonjezera, izi ziyenera kunenedwa mu mgwirizano;
ufulu wopezedwa ndi zipani;
ali ndi udindo wotani ngati maphwando atasaina mgwirizano;
momwe wogulitsa amalandirira zotsatira zantchito;
ndi ufulu wanji wazipani zilizonse zitatha zotsatira zakugulitsa;
udindo uliwonse wachipani chilichonse mukamakwaniritsa ntchitoyi;
momwe mgwirizano ungathetsedwe;
momwe kusintha kumapangidwira kumgwirizano wamapangano;
kunena za kukakamiza majeure;
momwe ndi komwe kusamvana komwe kwachitika pakati pa omwe ali mgwirizanowu kumathetsedwa.

Pangano lazogulitsa liyenera kutsagana ndi:

zochita pogawa ufulu wa malo pakati pa maphwando;
ndondomeko yopezeka kusagwirizana;
ndondomeko yovomerezera kusiyana komwe kwachitika.

Nthawi zambiri zimakhala zovuta kuti wogulitsa ndalama ndi eni bizinesi apange mgwirizano womwe ungakhutiritse onsewa ndikulingalira momwe zinthu zilili pamoyo wawo. Chifukwa chake, yankho labwino kwambiri lingakhale kugwiritsa ntchito thandizo la loya waluso.

Talingaliranso zofunikira zazikulu ndi mfundo zokhudzana ndi kubzala ndalama mu bizinesi. Ngati mwawerenga mpaka kumapeto kwa nkhaniyi, mwina mwaphunzira china chatsopano chokhudzana ndi bizinesi. Tsopano mutha kuyesa kwathunthu zomwe mwaphunzira pochita.

Pomaliza, tikulimbikitsa kuonera kanema wonena za kusunga ndalama mu bizinesi, ndizo njira zodziwika bwino zakuyikira ndalama muzinthu zamalonda (zoyambira):

Ndi kanema wonena zamawonekedwe ndi ma nuances oyendetsera bizinesi kuchokera kwa Oleg Ivanov ("Business Environment"):

Magazini a Ideas for Life amakufunirani zabwino zonse komanso kupambana mu bizinesi yanu. Ngati muli ndi ndemanga kapena mafunso pamutuwu, afunseni mu ndemanga pansipa. Tikukuyembekezeraninso patsamba la tsamba lathu.

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