Bankirapuse - ndichiyani: malingaliro ndi mitundu yamabuku + ndi magawo akulu amachitidwe a bankirapuse

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Moni, owerenga okondedwa a magazini ya Ideas for Life! Lero tikambirana za bankirapuse, ndi chiyani, ndi magawo ati a njira za bankirapuse zomwe zilipo, pazifukwa ziti bankirapuse yatsimikizika, zotulukapo za njirayi m'mabungwe azovomerezeka ndi anthu.

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

Kuchokera m'nkhaniyi muphunzira:

Bankirapuse (insolvency) ndi chiyani?
Zomwe zimachitika pamagawo aliwonse a bankirapuse;
Kodi tanthauzo la bankirapuse ndichotani ndipo pali kusiyana kotani ndi bankirapuse mwadala;
Kodi mungasankhe chiyani pazotsatira za bankirapuse.

Zomwe zili patsamba lino zikhala zosangalatsa kwa amalonda, amalonda, anthu omwe ali ndiudindo m'mabizinesi, omwe amapereka ngongole, omwe ali ndi ngongole, ophunzira ndi aliyense amene angafune kukweza chidziwitso chawo pankhani yazachuma.

Mukalandira mayankho ama data ndi mafunso ena owonjezera pompano!

Lingaliro la bankirapuse - ndichiyani, njira za bankirapuse zikuyenda bwanji komanso magawo ndi magawo ati omwe munthu ndi kampani akuyenera kudutsamo, zotsatira zake ndi bankirapuse (yabodza)

1. Lingaliro la bankirapuse - tanthauzo ndi tanthauzo (+ mwachidule cha Federal Law (FZ) pankhani yakubweza ngongole)

Palibe kampani yomwe ili ndi inshuwaransi yoti ichitepo kanthu pobweza ngongole. Kampani iliyonse yomwe singayankhe pazomwe ikufuna kubweza ngongole itha kukumana ndi vutoli.

Werengani za bankirapuse ya mabungwe azovomerezeka mwapadera patsamba lathu.

Kuphatikiza pa makampani (mabizinesi), munthu amathanso kulengezedwa kuti ndi bankirapuse.

1.1. Tanthauzo la lingaliro la bankirapuse

Bankirapuse (insolvency) ikuyimira kulephera kwa wobwereketsa kuyankha ngongole zake ndikukwaniritsa mokwanira zandalama zoperekedwa ndi omwe amabweza ngongole, komanso kulipira zolipira zonse.

Mwanjira ina, kusamvana Ndi boma pomwe bizinesi Sangathe kulipira ngongole zomwe adamupatsa.

Malinga ndi malamulowa, nzika (bizinesi) itha kulembedwa kuti itha kubweza ngongole ngati ngongole zake sizinalipidwe ndi wobwereketsa mkati Miyezi 3 (itatu).

1.2. Chiyambi cha teremu

Mawu oti "bankirapuse" amachokera ku mawu achi Italiya "Banca rotta", kutanthauza kuti "benchi yosweka". Panthawiyo, bankiyo inkatchedwa mabenchi omwe obwereketsa amachita. Pakakhala bankirapuse, adaphwanya benchi, potero adadzinena kuti wabweza.

1.3. Bankruptcy Law (ikhoza kutsitsidwa kuchokera kulumikizano)

FZ (federal law on insolvency: Bankruptcy Law No. 127-FZ yomwe idasinthidwa mu 2016 ndi No. 154-FZ ya Juni 29, 2015

Malamulo aku Federal pano akugwira ntchito ku Russian Federation Nambala 127-FZ "On insolvency (bankirapuse)", kuyambira pa Seputembara 27, 2002, yomwe imalongosola lingaliro la bankirapuse ndikuwongolera kukhazikitsa magawo onse azandalama.

Ndicholinga choti bungwe lovomerezeka kapena munthu wina walembedwa kuti wabweza ngongole ndikofunikira kuti muyambe kulingalira kukhothi lalamulo la mlanduwu polengeza kuti wobwereketsa wabweza.

Tsitsani lamulo lokhudza bankirapuse la anthu (kuchokera 29.06.2015)

Tsitsani lamulo lokhudza bankirapuse la mabungwe azovomerezeka (kuchokera. Kuchokera 13.07.2015)

Mawu oti khothi atha kulembedwa ndi wobwereketsa kapena wobwereketsa. Ngati ndi kotheka, pempholi likhoza kuperekedwanso ndi munthu wololedwa. Ntchitoyi imalembedwa kuti kampani kapena munthu salipira ngongole zake kwa miyezi itatu.

Kuchuluka kwa osalipira kumatchulidwa m'malamulo apano. Pakadali pano kwa anthu payekha, zakhazikitsidwa RUB 500,000, ndi mabungwe azovomerezeka - RUB 300,000.

Mabungwe azamalamulo omwe khotilo lidapereka chigamulo chokhudza kubweza ngongole amalowetsedwa kaundula wogwirizana.

Tiyeni tiganizire mwatsatanetsatane zizindikilo zazikulu ndi mitundu ya bankirapuse

2. Zizindikiro za bankirapuse - zolinga ndi mitundu 📑

Kulengeza kuti wamangawa wabweza samamasula iye kwathunthu polipira ngongole. Uwu ndi mwayi wokha kulipira ngongole munjira zina, kapena kuti muchotse pang'ono zomwe abungwe adalemba.

Wokongola adzalipira ngongole mpaka nthawi yomwe ali nayo osasunthika ndipo chosuntha katundu kapena mpaka atabwezeredwa.

2.1. Zolinga ndi mitundu ya bankirapuse

Cholinga chachikulu cha kubweza mabungwe azovomerezeka - kutsekedwa kwa bizinesi kapena kukonzanso kwake kwakukulu.

Kwa anthu pawokha, cholinga choyambitsa zochitika za bankirapuse - siyani kukula kwakanthawi kokhazikika kwa ngongole ngongole.

Pali mitundu ya bankirapuse:

Zenizeni - bankirapuse, momwe munthu, chifukwa chakuchepa kwakukulu kwachuma, sangasinthe solvency yake yekha;
Zoyenera (zosakhalitsa) - zinthu zomwe chuma cha kampani chimakula ndikakhala ndi ngongole zocheperako, izi zimachitika m'mabizinesi omwe amachita malonda, chifukwa amatha kupeza zinthu zomwe sizinagulitsidwe;
Mwadala - chosaloledwa ndi eni makampani kuti achotse ndalama pakampani;
Zabodza - kulengeza dala bankirapuse kuti apeze mpumulo woyenera komanso mikhalidwe yabwino yobwezera ngongole kuchokera kwa omwe adakongola ngongole. Izi zakhala zaupandu.

Akuluakulu azamalamulo ndi omwe akuyenera kudziwa mtundu wa bankirapuse ndikuyambitsa njira zofananira.

2.2. Zizindikiro za bankirapuse

Pali zikwangwani zovomerezeka ndi zosavomerezeka zakubweza ngongole.

Zizindikiro zovomerezeka ndi izi:

insolvency - munthu sangathe kulipira ngongole zake;
pali kusowa kwachidziwikire kwa ndalama;
ndalama zochulukirapo zomwe kampani imagwiritsa ntchito kuposa ndalama.

Zizindikiro zosavomerezeka ndi izi:

kusintha kwa mfundo zamitengo;
Kusintha kwa zakunja zakampani yovomerezeka;
ngongole yolipirira ogwira ntchito ikukula, komanso ngongole yolipira makontrakitala pantchito yomwe achita ndi ntchito zomwe achita;
pamakhala kuchedwa pafupipafupi pakubweza magawo kwa omwe amagulitsa;
kupereka malipoti kumatumizidwa mochedwa;
pali zolakwika zambiri pazolemba zowerengera ndalama.

Ngati anthu ali ndi ngongole (kapena akuyimira zofuna za omwe akukongoza) ndikuyimira mabungwe ovomerezeka, atha kulembetsa milandu yakalandidwe kukhothi.

Magawo akulu (azigawo) za njira za bankirapuse ndikudziwikanso zakukhazikitsidwa kwawo

3. Kodi ndondomeko ya bankirapuse (insolvency) imachitika bwanji - magawo akulu ndi magawo 📎📚

Zochitika za bankirapuse Ndi njira yayitali yokhala ndi magawo ambiri. Pofuna kuyambitsa ndondomeko ya bankirapuse, ndikofunikira, monga tafotokozera pamwambapa, kutumiza fomu yofunsira ku khothi la arbiturb malinga ndi mawonekedwe ovomerezeka.

Kulengeza wobwereka ngongole nthawi zonse ndondomeko zachiweruzo... Anthu ambiri ndi makampani azokha amatha kugwiritsa ntchito njira za bankirap ngati njira yozemba. Chifukwa chake, khothi likuyenera kuti liganizire mosamala ma nuances onse ndi momwe zimakhalira.

Oyambitsa bankirapuse akhoza kukhala:

Owonongeka (wamkulu wa kampani, wochita bizinesi payekha, nzika, ndi zina zambiri);
Obwereketsa (atha kutumiza fomu yofunsira ndalama ngati ndalama zomwe kampani ikulipira yakhazikika pakampani ikuchita);
Mabungwe ovomerezeka (banki, MFO).

Wobwereketsayo amafotokoza kuti alibe ngongole ngati awa:

Ngati kulipira ngongole kwa wobwereketsa m'modzi kumapangitsa kuti sizingatheke kubweza ngongole kwa ena obwereketsa;
Kuchotsedwa kwa kampani kudawulula kusowa kwa ndalama zolipira ngongole zonse za kampaniyo;
Pambuyo kugulitsa katundu, koyambitsidwa kuti athe kubweza ngongole yomwe idalipo, bizinesiyo idzawopseza kuti ikhalapo.

Mavuto aliwonse azachuma omwe abwera chifukwa chakukonzanso ndi kuchotsa mabungwe azovomerezeka (bizinesi) ayenera kuthetsedwa kudzera m'makhothi.

Pambuyo pake pempholo litalembetsedwa ndi khothi, zizindikilo zonse za bankirapuse zimawunika. Pambuyo pa cheke ichi, zochitika zingapo zimachitika, zotchedwa magawo kapena magawo azinthu za bankirapusendipo.

3.1. Ndondomeko ndi magawo a bankirapuse a bizinesi malinga ndi lamulo + tebulo

Tiyeni tione mwatsatanetsatane 5 (magawo asanu) amachitidwe a bankirapuse:

Gawo 1. Kuwona

Malinga ndi lamuloli, miyezi isanu ndi iwiri idapatsidwa gawo lino. Pakadali pano, manejala wosakhalitsa amasankhidwa, yemwe ayenera dziwani mfundo zotsatirazi:

ndizotheka kulipira ngongole;
ndizotheka kubwezeretsa solvency;
ndizotheka kulipira malipiro kwa ogwira ntchito;
ngati kampaniyo itha kulipirira ndalama zalamulo, komanso ngati ili ndi chuma chokwanira kutero.

Chochitika chofunikira kwambiri pagawo lowonera ndi bungwe la msonkhano wa omwe amabweza ngongole, komwe nkhani zotsatirazi zikukambidwa:

njira ina yokhudza bankirapuse;
kuthekera kothetsa njira za bankirapuse chifukwa chosaina mgwirizano wokhazikika;
kufunika kokonzanso bizinesiyo;
zochitika za bankirapuse;
kufunika kosintha kasamalidwe.

Okongoza ngongole amasankha mafunso onsewa posankha. Gawo ili limaperekedwa makamaka ndi mabungwe azovomerezeka (makampani azamalonda, mafakitale, mabanki, ndi zina zambiri).

Njirayi imachitika kuti chuma cha kampani chikhale cholimba, komanso kupenda ndikuwunika momwe kampani ilili pachuma.

Cholinga chachikulu cha gawoli - kutsimikiza zamtsogolo zomwe zidzagwere kampani posachedwa.

Gawo 2. Kubwezeretsa

Ubwino (kukonzanso) kumachitika kuti kampani isinthe. Kuchepetsa ufulu wa eni ndi mamanejala a kampani ndilololedwa. Komabe, amayendabe kampaniyo. Makamaka iwo sindingathe kutaya katundu wawo.

Kwa anthu pawokha, gawo ili limadziwika ndi kukonzanso, ndiye kuti, omwe amabweza ngongole amakambirananso za ngongole.

Kukonzanso bizinesi - gawo lalitali. Zitha kutenga zaka 2 (ziwiri).
Ngati zonena za omwe akukongoletsani sizikwaniritsidwa panthawiyi, msonkhano wa omwe amabweza ngongoleyo atha kupemphanso kubwalo lamilandu.

Gawo 3. Kuwongolera kwakunja

Gawo ili ndilokhazikika ndipo limachitika ngati khothi lavomereza chisankho chosintha kayendetsedwe ka kampani... Izi zimachitika ngati manejala akukhulupirira kuti izi zithandizira kuti kampaniyo isinthe. Nthawi ya gawo ili ndi 1 - 1.5 zaka.

Njira zakusamalira zakunja zimatanthauza izi:

Kuchotsa mutu wa kampaniyo pantchito yake;
Kupatsidwa udindo woyang'anira kampaniyo kwa manejala wanyengo;
kuletsa zochita za mabungwe oyang'anira kampani, ntchito zawo zimaperekanso kwa manejala wakanthawi;
kukakamiza kubweza ngongole, ndiye kuti panthawiyi, wobwerekayo sangapereke ngongole. Ndalamazi zimagwiritsidwa ntchito pokonza momwe kampaniyo ilili. Munthawi imeneyi, omwe amabweza ngongole sangathe kupeza chindapusa, zilango ndi chiwongola dzanja.

Woyang'anira akukonzekera dongosolo loti achite, kenako amatumiza kukhothi, komwe dongosololi limakonzedwa ndikuvomerezedwa.

Dongosololi liyenera kuphatikizapo:

kutenga njira zoyenera kuthana ndi zizindikilo zakuti munthu alibe ngongole;
ndalama za ngongole;
Nthawi yoyenerera pakukonza solvency ya kampani.

Njira zakukonzanso mabungwe azovomerezeka:

kutseka kupanga, zomwe zakhala zopanda phindu;
kusinthanso zochitika za kampaniyo;
pemphani kubweza zolandila;
kugulitsa pang'ono kwa malowo pamalonda;
kuonjezera likulu lovomerezeka;
kusintha kwa mfundo zamitengo;
nkhani yazachitetezo.

Gawo 4. Milandu ya bankirapuse

Ngati, chifukwa cha njira ya bankirapuse, mgwirizano wamtendere sunasainidwe, ndiye kuti njira yomaliza yobweza ngongole iyamba - Kuchotsa ntchito.

Khothi limasankha munthu wokhala ndiulamuliro woyang'anira zonse zomwe kampaniyo ili nayo kuti athe kulipira ngongole zonse kwa omwe adamupatsa ngongole.

Nthawi ya njirayi ndi 1 chaka, nthawi zina amatha kupitilira miyezi isanu ndi umodzi, mwachitsanzo, ngati katundu wa kampaniyo sanakwaniritsidwebe.

Kuti mumve zambiri zamomwe mungatseke (kuthetseratu) bungwe la LLC, kuphatikiza zakampani yomwe ili ndi ngongole zochepa, onani nkhani yofananira ndi gululi.

Kwa nzika komanso amalonda payekha, njirayi ndiyofanana: malowo amalandidwa ndikugulitsidwa kumsika wa bankirapuse waulere.

Tidalemba momwe tingatsekere IP patokha munkhani yapadera.

Pakadali pano, malonda akhoza kuchitika pa intaneti patsamba la zolembetsedwa za bankirapuse za Russian Federation. Ndalama zomwe zimapezeka kumsikawu zimatumizidwa kwa omwe amabweza ngongole komanso ogwira ntchito kubizinesiyo kuti alipire ngongole. Gawo la ndalamazo limagwiritsa ntchito kubweza ndalama zoyeserera.

Gawo 5. Mgwirizano wokhazikika

Ngati ndi kotheka, gawo lililonse la ndalama za bankirisi litha kumalizidwa pomaliza mgwirizano wamtendere. Imasainidwa pakakhala mgwirizano pakati pa omwe amabweza ngongole ndi wobwereketsa. Zotsatira zakusokonekera kumeneku ndikuthetsa mlandu.

Nthawi zina, kumaliza mgwirizano wamapangano kumathandizidwa ndi ena, mwachitsanzo, anthu omwe ali ndi chidwi (opindula),nkhoswe ndipo zotsimikizikakulipira ngongole.

Pangano lakhazikitsidwadi ndilolembedwa kwathunthu. Ngati mfundo za mgwirizanowu sizikwaniritsidwa, ndiye kuti omwe amabweza ngongoleyo atha kupita kukhothi.

Tiyeni tiwunikire limodzi patebulo magawo onse amachitidwe a bankirapuse.

Tebulo "Njira za Bankirapuse - magawo akulu"

Gawo la bankirapuse	Nthawi	Kuzindikira zolinga	Siteji ikatha	Zolinga
Kuwona	3 miyezi	Woyang'anira wanthawi yayitali	Pomwe kukonzanso kapena kuyendetsa zakunja kumayambitsidwa kapena pakayambika zochitika za bankirapuse kapena ngati pakhala mgwirizano wamtendere.	Kusunga katundu wa womvera, kusanthula ndalama, kupanga kaundula wa zomwe amakongoletsa.
Ubwino	2 za chaka	Woyang'anira wamkulu	Kutsirizidwa kwa milandu ya bankirapuse, kusintha mpaka gawo la oyang'anira zakunja, kuyambika kwa zochitika za bankirapuse, mgwirizano wamtendere udasainidwa.	Kuwongolera kuyanjana kwa phunziroli, kubweza ngongole kwa omwe amabweza ngongole
Kuwongolera kwakunja	18 miyezi	Woyang'anira kunja	Kutseka mlandu wa bankirapuse, ngati solvency yasintha, pokhudzana ndi kuyamba kwa zochitika za bankirapuse, ngati mgwirizano wapangano wasainidwa	Kupititsa patsogolo solvency, kuyimitsa zonena za omwe amabweza ngongole, kulipira zolipira.
Zochitika za bankirapuse	1 chaka (1,5 zaka ngati njirayi idakulitsidwa)	Woyang'anira mpikisano	Ngati mgwirizano mwamtendere wasainidwa	Kugulitsa malo pamsika, kukhutira ndi zomwe ena anganene malinga ndi mzerewu
Mgwirizano wokhazikika	Mtsogoleri wokhala ndi ngongole	Nthawi iliyonse ya bankirapuse	Kuthetsa milandu yakubweza ngongole, popeza bungwe ndi omwe adalemba ngongole asayina mgwirizano.

Chifukwa chake, lamuloli limapereka zosankha zingapo pakukonzekera zochitika za bankirapuse... Izi zitha kukhala kubwezeretsa kwathunthu kwa bizinesiyo ndikusintha kwazinthu zonse kapena kutha kwathunthu ndikugulitsa malo papepala pakampani.

Kukonzanso ndi kuwongolera kwakunja kumaloleza bungwe lalamulo kuti liziwongolera zomwe likuchita ndikuwonjezera ndalama kuchokera kubizinesi yayikulu yamakampani. Izi ndizothandiza kwa oyang'anira kampaniyo komanso omwe amabweza ngongole, popeza wobwereketsa yemwe ali ndi solvency yabwino amatha kulipira ngongole zake zonse.

Ngati sikutheka kubwezeretsa solvency, ndiye kuti lamuloli limaperekanso chitetezo cha zofuna za omwe amabweza ngongole, kuyambira pomwe kampani yamanga ngongole imathetsedwa, ndipo zomwe zimaperekedwa pamalopo zimaperekedwa pogulitsa katundu wawo kumsika.

3.2. Ndondomeko yotani yolengeza kuti munthu wabweza banki - tsatane-tsatane malangizo olengeza kuti anthu ena ndi ena sangachite bwino

Kwa anthu (nzika za Russian Federation ndi amalonda payekha), lamuloli limaperekanso njira zoyenera za bankirapuse.

M'mbuyomu, anthu anali bankirapuse olipiritsa ndipo makampani osonkhanitsa. Mu Okutobala 2015 chaka, Lamuloli lidakhazikitsidwa lokhazikitsa njira yakubweza ngongole kwa munthu aliyense.

Ndiye taganizirani izi Masitepe 5 (asanu)kuti munthu ayenera kutenga kuti adziwonetsere kuti wachita banki.

Khwerero # 1. Kuwunika kotheka kukhala bankirapuse

Munthu ayenera kuwunika ngati angathe kuwonongeka chifukwa cha kusanthula kwachuma kwa ntchitoyi.

Ngati ndalama zomwe munthu amapeza mwezi ndi mwezi zikucheperachepera, ndipo ngongole zokongoza ngongole zikungokula, kulengeza kuti wobweza ngongole kungakhale yankho labwino kwambiri pankhaniyi.

Pazambiri zakuzindikiritsa ndikudziwitsa kwa omwe akuchita bizinesi komanso anthu omwe alibe ndalama, tidalemba m'nkhani ina.

Kuyambitsa mlandu wa bankirapuse sadzamasula kulipira ngongolekoma kukakamizidwa kwamaganizidwe kuchokera kwa omwe amabweza ngongole kumachepetsedwa.

Kufunsira koyambira kwa ntchito yolengeza kuti wobweza ngongole watumizidwa kukhothi pokhapokha kuchuluka kwa ngongole zikafika ma ruble oposa 500,000., ndipo kulipira ngongole kumachedwa mkati mwa miyezi itatu.

Khwerero # 2. Kukonzekera zikalata zofunikira kuti zikaperekedwe ku khothi lakuyanjanitsa

Kuti akalembetse ku khothi, munthu ayenera kulemba fomu mu fomu yoyenera, komanso kusonkhanitsa zikalata izi:

Zikalata zotsimikizira kuti munthu ali ndi ngongole;
Chiphaso cha ndalama;
Katundu wosungira katundu (ayenera kujambulidwa mwanjira inayake ndipo ayenera kutsimikiziridwa ndi notary);
Ndondomeko ya kubanki kuchokera ku akaunti ya wazamalonda;
Zolemba zanu (pasipoti, SNILS, ndi zina).

Onani masamba a mabungwe aboma za zikalata zofunikira zaku bankirapuse.

Khwerero # 3. Kutumiza zikalata kubwalo lamilandu ndikudikirira zotsatira

Kusanthula kwachuma kwa ntchito za munthu kumachitika ndi manejala wazachuma wololedwa ndi khothi.

Udindo wake ndi monga:

Kukhazikitsa zizindikiro zakubweza ngongole;
Kuyimilira pawokha za katundu wa munthu aliyense;
Dziwani ngati pali kuthekera kokonzanso ngongole.

Mtengo ndi zolipiritsa za wolandirayo zimaperekedwa ndi wamangawa.

Khwerero # 4. Ndondomeko yakukonzanso ngongole

Mawu oti kukonzanso amatanthauza kusintha kwamakongolero amunthu. Kukonzanso kumaphatikizapo:

Kuchulukitsa nthawi yobwereketsa;
Kuchepetsa kuchuluka kwa zolipira ngongole pamwezi;
Kuchotsa zilango kapena zilango kwa omwe adakongoza panthawiyi pakukonzanso.

Lingaliro ili limaphatikizapo njira zowongolera zochitika zachuma za wobwereketsa.

📌 Werengani komanso nkhaniyo pamutuwu - "Kukonzanso Ngongole Pangongole".

Khwerero # 5. Kuzindikira katundu

Ngati, komabe, wokongoletsedwayo adalengezedwa kuti ndi bankirapuse, ndiye kugulitsa malo pamsika... Izi zimachitika ngati kampani idakumananso walephera, ndipo ndalama za munthu sizokwanira kubweza ngongoleyo.

Katundu wosunthika ndi wosunthika, zida ndi zina za wobwereketsa, zomwe zili ndi phindu, zimayikidwa pamsika.

Malo okhawo okhala ayi kuyatsa malondakomabe, omwe amabweza ngongole angafunike kuti agawane nawo katundu amene wobwereketsa adakwatirana.

Zambiri mwatsatanetsatane za bankirapuse ndi zomwe zimachitika kwa wobwereketsa, tidalemba m'nkhani ina.

Chifukwa chake, njira za bankirapuse zimathandiza munthu kuthetsa kusamvana pazachuma ndikupanga kuti athe kubweza ngongole zomwe zidalipo, ngakhale atayika.

Zotsatira zake zingakhale zotani kumapeto kwa njira ya bankirapuse

4. Zotsatira zotuluka kumapeto kwa njira ya bankirapuse 💸

Ganizirani zotsatira za bankirapuse mutatseka njira ya thupi ndipo mabungwe azovomerezeka.

Kwa makampani zotsatira zoyipa kwambiri ndikuchotsa kampaniyo ndikugulitsa katundu pamsika.

Kwa anthu pawokha imapereka mwayi wolanda katundu ndikugulitsa pamsika.

Kubedwa kwa anthu kumabweretsa zotsatirapo zoyipa izi:

Ngati nzika ikufuna kupanga pangano la ngongole kapena kutenga ngongole, ndiye kuti pasanathe zaka 5 iyenera kudziwitsa wobwereketsa kuti posachedwa khothi lamuwononga;
Zaka 5 munthu wachinsinsi sangathe kulemba pempho loti asalandire ngongole;
Nzika silingagwire ntchito ya utsogoleri kwa zaka 5.

Kuwonongeka kwamakampani - chodabwitsa sichimachitika mwangozi, chikuwonetsa chuma chomwe chachitika mdzikolo. Ngati kuchuluka kwa makampani omwe adachotsedwa ndikokulu, ndiye kuti ichi ndi chisonyezo chowoneka chokhazikika chachuma komanso kupezeka kwamavuto azachuma m'mabungwe azovomerezeka omwe akuchita bizinesi yamtunduwu.

Pakabweza ngongole yalamulo, lamuloli limapereka zotsatirazi:

Masiku okhwima okhwima amawerengedwa kuti afika;
Ndalama ndi chiwongola dzanja zimasiya kulipira ngongole za ngongole;
Amaloledwa kufunsira kuti atolere ngongole za ngongole;
Mikangano ya katundu yomwe bungwe lovomerezeka limagwira imathetsedwa;
Zofunsa zonse zakanyumba zimaperekedwa kwa wamangawa pokhapokha pakuchotsa ngongole.

5. Thandizo loyenerera potsatira njira za bankirapuse 📚

Kulengeza kuti ngongole yangongole ndi njira yayitali yomwe imatenga nthawi yopitilira chaka chimodzi, ndipo imafuna kuwononga mphamvu, mphamvu ndi minyewa. Pofuna kuchepetsa ndalama zonse pochita izi, tikulimbikitsidwa kuti muthane ndi katswiri kuti akuthandizeni.

Pakadali pano pali mafakitale ambiri omwe amapereka thandizo laukadaulo pazinthu za bankirapuse.
Kulumikizana ndi kampani yotere kumachepetsa mtengo wa njirayi ndikukwaniritsa chisankho choyenera ndi khothi.

Akatswiri amapatsa wobwerekayo chithandizo chambiri pazolemba komanso kuti athe kuyanjana ndi omwe amabweza ngongole, ndi zina zambiri.

Ntchito zothandizira ndalama za bankirapuse

Ku Russian Federation, mabungwe angapo amakhazikika pakuthandizira milandu yakubweza ngongole (bankirapuse).

Tiyeni tiwone zina mwa izi:

1. Lekani Ngongole Company

Kampaniyi imagwira ntchito limodzi ndi makasitomala omwe amakangana ndi mabungwe osiyanasiyana okongoza ngongole. Apa, akatswiri athandiza kuthetsa mavuto ndi zilango, ngongole ndi kuchedwa.

2. National Bankirapuse Center

Ntchito za kampaniyi zimafikira ku Moscow ndi dera, komanso madera ena ambiri a Russian Federation. Pakampaniyi, pali kuthekera kofunsira pa intaneti ndi katswiri wazamisala.

3. Kufunsana ndi maloya

Likulu la kampaniyo lili ku St. Petersburg, koma kampaniyo ili ndi nthambi zambiri m'mizinda yambiri. Apa maloya amapereka upangiri wapamwamba pamilandu yonse yokhudza bankirapuse ndipo, ngati kuli kofunikira, amapereka chithandizo chovomerezeka chalamulo pamagawo onse azachuma.

4. Ntchito Yonse ya Bankirapuse

Kampaniyi ilinso ndi nthambi m'malo ambiri a Russian Federation. Amafunsanso makasitomala kutali.

5. Kampani yazamalamulo CVD

Supermarket yalamulo CVD imapereka chithandizo chalamulo kwa nzika pankhani zalamulo ndi zachuma.

Mitengo yamakampaniyi imasiyanasiyana kutengera zovuta zamilandu. Thandizo pamagawo onse azinthu zachuma za kampani yamalamulo zitha kulipira kuchokera ma ruble 100,000, ndi kwa anthu pawokha pafupifupi 20 - 100 zikwi ma ruble.

Zotsatira Zakuwonongeka Kwachangu ndi Kwabodza

6. Kuwonongeka kwadala komanso kwachinyengo - zizindikiro ndi zotsatirapo zake

Kutayika kwachinyengo kumatchedwa poyamba kulengeza zabodza zakubweza ngongole kampani kapena munthu wachinsinsingati zidawononga kwambiri.

Zofunika! Bankirapuse mwadala ndi mlandu woyang'anira kapena mlandu.

Pakadali pano, bankirapuse ndichinthu chofala kwambiri. Izi zimapereka chithunzi choti munthuyo alibe ngongole.

Lingaliro la bankirapuse mwadala limalimbikitsidwa woyambitsa kapena mkulu wa kampaniyo.

Zolinga zomwe zimatsatiridwa pokonza njira za bankirapuse zitha kukhala zosiyana:

Kugwiritsa ntchito molakwika katundu wa kampani m'njira zosaloledwa;
Kubera antchito amakampani;
Kupeza kuchotseredwa kapena kupatuka pakulipira ngongole yomwe idalipo;
Kulandira kuchotsera pamalipiro a ngongole, ndi zina zambiri.

Pakatsekedwa mlandu wa bankirapuse, kampani yotere imadzinena kuti ndiwosatha ndalama ndikupanga kampani yotsalira, komwe kumakhala zinthu zotsika mtengo zosafunikira, ogwira ntchito osakwanira ndi ngongole.

6.1. Zizindikiro Zakuwonongeka Kwadala

Mtundu uliwonse wamatsenga uli ndi izi:

Munthuyo ali ndi ngongole zandalama zoposa 100,000.
Munthuyo sangathe kulipira ngongole yomwe ali nayo;
Kubweza ngongole kwa wobwereketsa ndi khothi lovomerezeka;

Ponena za bankirapuse mwadala, mawonekedwe ake enieni ndi awa:

Wokongolayo adabisa kupezeka kwa malowo, komanso zambiri zakomwe ali, adagulitsa malowo;
Mukamapereka pempho la bankirapuse ku khothi, kukwaniritsidwa kwa zofunikira zonse sikunachitike;
Kulephera kwa wobwereketsa kutsatira malamulo okhazikika a bankirapuse;
Zikalata zowerengera ndalama ndi zowerengera zabodza ndipo sizoyambira ayi.

6.2. Kuulula zowona za bankirapuse mwadala

Ngati kampaniyo ikadakhala nayo bankirapuse mwadala adayambitsa, ndiye izi zitha kuwululidwa chifukwa cha kusanthula ndi kusanthula kwazachuma kochitidwa ndi woyang'anira milandu.

Mukamayang'ana zachinyengo za bankirapuse, mukuyenera kuchita izi:

Solvency ya kampani imasanthulidwa, kuwunika kwachuma kumachitika;
Kuwerengera kwa chuma chomwe chili patsamba loyendetsa bizinesi kwachitika;
Kampaniyo ikuyang'ana kuvomerezeka kwa zomwe kampaniyo ingachite zomwe zingayambitse kuwonongeka kwa kampaniyo ndikubweretsa kuwonjezeka kwachuma. Pakadali pano, zochitika za nthawi yonseyi zimayang'aniridwa.

Zikalata zomwe ziyenera kufufuzidwa kuti muzindikire bankirapuse mwadala:

Zolemba zomwe zilipo;
Deta yomwe ilipo pa ngongole ya kampaniyo;
Zolemba maakaunti ndi zowerengera ndalama;
Zolemba pamilandu yomwe idalipo kale;
Audit ndi malipoti owerengera.

Ngati panthawi yomwe zolembedwazo zikuyang'aniridwa mosavomerezeka zidawululidwa, titha kuyerekezera kuti ndizochitikadi zomwe ndi chimodzi mwazifukwa zakusokonekera kwa kampani yalamulo.

Chitsanzo cha zochitika zosaloledwa Kungakhale kukhazikitsa ndikugulitsa katundu wosunthika kapena wosasunthika pamikhalidwe yoyipa, ndi zina zambiri.

Kuphatikiza apo, pamakhala milandu pomwe bankirapuse mwadala imawonetsedwa pakulephera kwa oyang'anira kampani kukwaniritsa udindo wawo wachindunji.

6.3. Zotsatira Zakuwonongeka Kwadala

Ngati pakuwunikiridwa kunatsimikizika kuti bankirapuse idayambitsidwa dala, ndiye kuti nzika yomwe ili ndi mlandu wochita kubweza imakakamizidwa kuyang'anira kapena chilango chaupandu.

Lamulo la Criminal Code limapereka chiwongola dzanja kwa oyendetsa bankirapuse mwadala.

Zovuta Zoyambitsa Mwadala Za Kuchita Bankirapuse wotsogozedwa ndi mutu wa kampani kapena membala wa kampaniyo kapena wochita bizinesi payekha

Ndiye kuti, anthu omwe zochita zawo zidapangitsa kuti kampaniyo ichotse ngongole, komanso chifukwa chosachita zomwe zidapangitsa kuti zisakwaniritsidwe zomwe adakongola.

Zolakwa zimaperekedwa ngati kuwonongeka kunali kwakukulu. Mtengo womwe ulipo pakadali pano ndi ndalama - RUB 1,500,000

Ngati kuwonongeka kumeneku kuli chachikulu kuposa mtengo wofotokozedwayo, ndiye kuti anthu ali ndi udindo wotsatira:

Ndalama yoyendetsera ma ruble 200,000 - 500,000. kapena kuchuluka kwa zomwe munthu amapeza kwa zaka 1-3;
Kutumiza munthu kuti akagwire ntchito yokakamiza kwa zaka 5;
Kumangidwa kwa zaka 6, amalipiritsa chindapusa chowonjezera cha ma ruble 200,000. kapena kuchuluka kwa zomwe munthu amapeza kwa miyezi 18;

Ngati kuchuluka kwa kuwonongeka kunali osakwana 1,500,000 rubles, ndiye kuti udindo wina umaperekedwa chifukwa cha izi:

Kwa munthu aliyense, chindapusa cha oyang'anira ndi ma ruble 1,000 - 3,000;
Ndalama zoyendetsera ma ruble 5,000 - 10,000 zimaperekedwa pamutu kapena manejala wa kampaniyo. ndikulephera kukhala ndi maudindo oyang'anira kwa zaka 1-3.

6.4. Kusiyanitsa pakati pa bankirapuse ndi dala

Chifukwa chake, tiyeni tiwone mwatsatanetsatane kusiyanasiyana komwe kumachitika mwa chinyengo komanso mwadala.

Poyamba, zitha kuwoneka kuti malingaliro a bankirapuse achinyengo amatanthauzanso chimodzimodzi. Koma, pali kusiyanasiyana pakati pawo.

Bankruptcy ndi dala, zomwe zidachitika chifukwa cha zomwe oyang'anira adachita, zomwe zidapangitsa kuti kampaniyo isathe kulipira ngongole zonse kwa omwe adalemba. Monga lamulo, kutayika koteroko kumachitika ndi cholinga chofuna kugwiritsira ntchito chuma cha munthu chomwe chili patsamba lochitira bizinesiyo.

Ponena za bankruptcy yopeka, ndiye kuti zomwe akunenazo kukhothi ndizobodza poyamba. Cholinga chachikulu cha izi - Kupeza kubweza ngongole kapena kubweza ngongole.

Ngati mzika itawonongeka kwambiri, chilango ichi chimaperekedwa:

Ntchito yolipiritsa chindapusa cha 100,000 - 300,000. kapena kulipira ndalama za nzika kwa zaka ziwiri zapitazi;
Kutumizidwa kukagwira ntchito yokakamiza, yomwe idzakhale zaka 5;
Kulandidwa nzika zaufulu kwa zaka 1 - 5;
Kulandidwa nzika zaufulu kwa zaka 1-6 ndikulipiritsa chindapusa chowonjezera, mpaka ma ruble 80,000.

7. Mafunso omwe amafunsidwa kawirikawiri okhudza bankirapuse 📌

M'chigawo chino, tikambirana mafunso omwe amafunsidwa pafupipafupi okhudzana ndi bankirapuse ndikupereka mayankho ake mwatsatanetsatane.

Funso 1. Kodi ndondomeko ya bankirapuse ndi yotani ndipo imachitika bwanji?

Njira zosavuta za bankirapuse amatchedwa njira yomwe kampaniyo imathetsedwera posachedwa komanso ndalama zochepa pamutu wa kampaniyo.

Ndondomeko ya bankirapuse imagwiritsidwa ntchito, monga lamulo, m'mabizinesi ang'onoang'ono omwe alibe katundu wambiri, wopangidwa ndi katundu ndi ndalama. Bankruptcy mwachangu imadziwika mkati Miyezi 5-7.

Njirayi siyimapereka mwayi wokonzanso komanso kuyeserera kwakunja.Atangomaliza kusanthula zikalata zachuma, zowerengera ndalama ndi zowerengera kampani, khotilo lalinganiza kuthetseratu kampaniyo ndipo gawo lazandalama zayamba.

Funso 2. Kodi mgulu wa bankirapuse wogwirizana ndi uti?

The Unified Federal Register of Bankirapuse ndi mndandanda wazidziwitso zokhudzana ndi milandu yakampani. Kalatayi ili ndi zambiri panjira yakuchita banki ku Russian Federation.

Mutha kuwona zolembedwazi patsamba lovomerezeka la kaundula wogwirizana pa intaneti. Kulandila ndi kotseguka kwa aliyense.

(Webusayiti yovomerezeka ya Unified Federal Register of Information on Bankruptcy - bankrot.fedresurs.ru)

Kuti muwone zambiri, muyenera kulembetsa patsamba lovomerezeka. Apa ndipomwe zimafotokozeredwa zonse zamakampani omwe adalengezedwa kuti ndi bankirapuse kapena pankhani yokhudza bankirapuse. Zambiri pazatsambali zimasinthidwa pafupipafupi.

Asanakhale kaundula kamodzi, milandu yakubweza ngongole inali yovuta kwambiri kuyang'anira.

Gawo lapaderali pamalowa mutha kupeza zambiri zazogulitsa zomwe zikuchitika. Pali asonyeza masiku, mitundu ndipo zinthu zamalonda... Muthanso kuwona mndandanda wazinthu zomwe zikugulitsidwa (nyumba, zida, malo osakhalamo, zoyendera, ndi zina zambiri.) pomwe bwalo lamilandu lalamula.

Funso 3. Kodi bankirapuse ndi ufulu wake liti, ndipo ndi udindo wake liti?

Nzika zambiri sikuti nthawi zonse zimafuna kuyambitsa milandu ya bankirapuse. Koma nthawi zina, kuyamba kuyesa kumathandiza kupambana nthawi ndipo kulipira ngongole ndi zotayika zochepa.

Nzika itha kulembetsa kubwalo lamilandu ndi pempho loti liyambitse milandu ngati lingaganize kuti posachedwa likhala bankirapuse, ngati pali zifukwa zina zosonyeza kuti zikwaniritse udindo wawo wolipira ngongole ndi zolipira sizingatheke.

Nthawi yomweyo, nzika iyenera kukhala yokhoza kubweza ngongole, komanso isakhale ndi katundu, itatha kugulitsa yomwe imatha kutseka ngongole zake mopanda chisoni.

Munthu akukakamizidwa kulembera kukhothi pempho loti akhazikitse mlandu wake pomwe kulipira ngongole kwa yemwe adamupatsa ngongole kumafuna kuti pakhale kulipira ngongole zina kwa omwe adatenga ngongoleyo munthawi yoyenera.

Poterepa, kuchuluka kwa zomwe akuyenera kukhala osachepera 500,000 rubles... Pakadali pano, munthu amapita kukapempha kuti aweruze Masiku 30 kuchokera tsikupomwe adazindikira kapena adayenera kudziwa zakulephera kwake kubweza ngongole kwa omwe adamupatsa ngongole.

Funso 4. Ndi ziletso zanji paufulu wa nzika zomwe zitha kukhazikitsidwa ndi khothi pomaliza milandu yokhudza bankirapus?

Pamapeto pa njira ya bankirapuse, khothi lakuweluza lingatero kukhazikitsidwa kwa nzika kwakhazikitsidwaanalengeza kuti anali banki kunja. Kuletsaku kudzagwira ntchito mpaka khothi litaganiza zothetsa zochitika za bankirapuse kapena mpaka kusaina kwa mgwirizano pakati pa omwe ali ndi ngongole ndi omwe adabweza ngongole.

Kuyambira pomwe anthu adapanga chisankho chonena kuti munthu wabweza ndalama ndipo kuyambira pomwe kugulitsa malo papepala la ngongole ya yemwe adalemba ngongole kumayambira, ufulu wonse wanyumbayi, kuphatikiza ufulu wowuchotsa, umangogwiritsidwa ntchito ndi woyang'anira zachuma.

Ndondomeko ya bankirapuse itatha, munthu amene wabweza sangapange mapangano a ngongole ndi mapangano a ngongole, Popanda kuwonetsa bankirapuse.

Kuphatikiza apo, munthawi yomweyo, nzika sizingayambitsenso ndalama za bankirapuse.

Funso 5. Kodi nyumba ingagulitsidwe ikakhala bankirapuse?

Nyumba ya wobwereketsa itha kugulitsidwa ngati ilonjezedwa (mwachitsanzo, ngongole yanyumba).

Funso 6. Kodi zotsatira za nzika za bankirapuse ndi ziti?

Ngati nzika yabwerezedwa mobwerezabwereza, ndiye kuti kwa zaka zitatu alibe ufulu wokhala mtsogoleri wamakampani.

Funso 7. Kodi nzika ikalengezedwa kuti ndi bankirapuse, ndizotheka kulipira ngongole yake ku misonkho ndi zolipirira mothandizidwa ndi wina?

Khodi Yamsonkho ya ku Russian Federation idavomereza lamulo loti wokhometsa msonkho aliyense ayenera, payekha, kulipira ngongole zake kuboma misonkho ndi chindapusa.

Komabe, zikhalidwe zina zingapo zimavomerezedwa ndi Federal Law "On Insolvency (Bankruptcy)". Kukhazikitsa mwalamulo kuthekera kwa munthu wina kulipira zonse zomwe ali nazo ngongole. Kuti muchite izi, wina wachitatu ayenera kupereka fomu ku khothi.

Funso 8. Kodi ndizotheka kuyikonzanso / kuyang'anira zakunja ngati wochita bizinesi atha kubweza ngongole?

Ayi, njirazi zimangogwira ntchito m'mabungwe azovomerezeka.

Funso 9. Ngati wokongoletsedwayo akuti wawonongeka, ndiye kuti zomwe angongole zakwaniritsidwa bwanji?

Lamuloli limapereka zotsatirazi zotsatirazi:

Ndalama zalamulo, zolipira pantchito ya bankruptcy;
Ngongole kwa nzika zomwe thanzi lawo ndi moyo wawo zawonongeka;
Ngongole kwa ogwira ntchito yokhudza kulipira phindu ndi malipiro;
Ngongole yonse.

Funso 10. Kodi ndondomeko ya bankirapuse ndiyofanana kumakampani onse?

Monga tafotokozera pamwambapa, njira yobweza ngongole imaphatikizapo kudutsa 5 magawo... Koma lamuloli silikupereka chifukwa chofunira bizinesi kuti izidutsa magawo onsewa.

Kapangidwe ndi zovomerezeka zamakampani omwe ali ndi ngongole ndizofunika kwambiri pankhaniyi. Malinga ndi izi, mabungwe atha kukhala: Zosavuta, inshuwaransi, ngongole, kubanki, kupanga mzinda ndi ulimi.

Mosalephera, magawo onse asanu (asanu) a bankirapuse ayenera kudutsa m'mabizinesi osavuta, opanga tawuni komanso azaulimi.

Kwa mitundu ina itatu yabungwe, kuthekera kwakusintha pang'ono panjira za bankirapuse kumaperekedwa:

Zikakhala kuti mabungwe obwereketsa ngongole ali bankirapuse, njira zokhazokha zovomerezeka ndizovomerezeka;
Chodziwika bwino chamabizinesi azolimo ndikuti ntchito zawo ndizanyengo. Zotsatira za ntchito zawo zimadalira makamaka nyengo ndi nyengo. Chifukwa chake, khothi la arbitral lingasankhe gawo loyang'anira, kuwongolera zakunja ndikukonzanso mwanzeru zake. Pazinthu zothandiza, kukhazikitsa kwa khothi kumachitika munthawi yoyenera ntchito yayikuluyo.
M'makampani a inshuwaransi, magawo akukonzanso mabizinesi ndi oyang'anira akunja samachotsedwa pantchito za bankirapuse.

Funso 11. Msonkhano wa omwe adapereka ngongole ndi chiyani? Ndi zinthu ziti zomwe zikukambidwa pamsonkhanowu?

Okongoza ngongole amadziwika ngati anthu omwe, pokhudzana ndi malamulo kapena munthu wachilengedwe ali ndi ufulu wofunsira ndalama kapena zina. Msonkhanowu ukachitika, omwe amabweza ngongole ndi mabungwe ovomerezeka atenga nawo mbali.

Zonena za maphunziro onsewa patsiku la msonkhano ziyenera kuwonetsedwa m'kaundula wazofunikira.

Msonkhano wa omwe amabweza ngongole umapangidwa munthawi iliyonse ya bankirapusepokhapokha kampani ikakhala ndi ngongole kwa ngongole imodzi yokha.

Kukonzekera ndi kuyendetsa kwa msonkhanowu kumachitika ndi woyang'anira pakuwongolera kwa Masabata awiri (awiri)... Izi zikuyenera kutsatiridwa mosasunthika ndi manejala, apo ayi angayimbidwe mlandu. Chidziwitso cha omwe akutenga nawo mbali ndichinthu chofunikira pantchito zake.

Lamuloli silikupereka chindapusa chilichonse cholephera kutsatira lamuloli, koma ngati wobwereketsa atsimikizira kuti sanawonekere pamsonkhanowo chifukwa sanalandire chidziwitso, ndiye kuti ali ndi ufulu wofotokoza zakusakwanira kwa msonkhano. Pankhaniyi, tikulankhula za kulephera kwa manejala kukwaniritsa ntchito zake zachindunji.

Obwereketsaomwe adatayika chifukwa chokhazikitsa msonkhanowo amaloledwa kufunsa manejala kuti abweze. Wobwereketsedwayo abweretsanso zotayika, chifukwa amafunikira ndalama kuti ayitane ndikupanga msonkhano wachiwiri.

Msonkhanowo uyenera kuganizira izi:

Kukhazikitsa koyambira kapena kumapeto kwa nthawi yokonzanso ndi kuwongolera njira zakunja kapena kupititsa patsogolo mfundo za njirazi, zomwe zidagwirizana kale;
Kukonzanso kwamakampani kuvomerezedwa;
Ndondomeko yobwezera ngongole yomwe idalipo idavomerezedwa;
Kusankhidwa ndi kuvomerezedwa kwa zofunikira zomwe zingapatsidwe kwa omwe akufuna kukhala oyang'anira nthawi zonse;
Kukhazikitsa kwa wolemba;
Kusayina mgwirizano wokhazikika;
Chigamulo chimapangidwa kuti ndi nthawi yoti tibweretse ngongole yomwe tikugulitsa kuti tipeze ndalama zogulitsa zomwe zidalipo kale za ngongole;
Plenipotentiary imasankhidwa pakuvota;
Zochita za komiti ya omwe adatenga ngongole zidakonzedwa.

Funso 12. Kodi pali kusiyana kotani pakati pa kuweluza milandu, bankirapuse ndi matrasti akunja?

Poyamba, khothi limasankha woyang'anira milandu, yemwe amasankha mfundo zazikuluzikulu zokhudzana ndi bungweli ndikukwaniritsa njira za bankirapuse.

Ayenera kukhala akatswiri pamunda wake, ndipo akuyenera kukhala mgulu la oyang'anira milandu.

M'malo mwake, lingaliro lakuti "Commissioner wa bankirapuse»Ili yonse, ndipo magawo osiyanasiyana a bankirapuse, ili ndi dzina lake lapadera, kutengera ntchito yomwe imagwira.

Njira zowonera zikuchitika woyang'anira kwakanthawi... Kuyenerera kwake kumaphatikizanso yankho pazinthu zotsatirazi: kusanthula kwachuma kwa wamangawa, kutenga nawo mbali pofufuza milandu kukhothi, ndi zina zambiri.

Pakukonzekera kwamakampani, woyang'anira... Udindo wake umaphatikizapo kuwunika momwe ntchito yobwezera ngongole ikukhazikitsidwa.

Njira zowongolera zakunja zimayang'aniridwa maneja wakunja... Amakakamizidwa kuchitapo kanthu kuti abwezeretse solvency ya kampaniyo.

Pa gawo la zochitika za bankirapuse, woyang'anira mpikisano, yomwe imayang'anira kugulitsa katundu wa wobwerekayo komanso kuchokera ku ndalama zomwe amalandila, imalipira ngongole kwa omwe adalemba ngongole motsatira dongosolo lotsatira.

Woyang'anira milandu satenga nawo gawo kumapeto komaliza kwa njira ya bankirapuse - kusaina mgwirizano wokhazikika.

Funso 13. Kodi pakufunika kukonzekera mwapadera mabungwe kuti atayika?

Ngati wamkulu wa kampaniyo amvetsetsa kuti sangapewe zochitika za bankirapuse, ndiye kuti ali ndi cholinga chokonzekeretsa kampani kuti ichite bankirapuse.

Ndikukonzekera koyenera kwa bankirapuse komwe kungathandize kuti mlandu wa bankirapuse ukwaniritsidwe.

Kuchita maphunziro apadera kumathandiza kuchepetsa zoopsa zomwe zimachitika chifukwa chobweza ngongole, zitsanzo zomwe ndizoopsa:

kuzindikira bankirapuse kapena zabodza;
chiwopsezo chobweretsa woyambitsa kampani kapena munthu amene ali ndiudindo woyang'anira kubungwe lolembera msonkho;
Kusintha kwa Commissioner wa bankirapuse pamlanduwo, ndi zina zambiri.

Kukonzekera bankirapuse kumatsimikizira kuti kampaniyo isanachitike pamavuto awa, zimapangitsa kuti athe kuwunika momwe zinthu zilili pakampani isanayambike.

Zomwe zingathandize kukonzekera kuyambitsa zochitika za bankirapuse ndikuchepetsa mavuto omwe afotokozedwa pamwambapa:

Kuwunika kwa ngongole zomwe zilipo kale, zomwe zikhala maziko a ngongole kwa omwe amabweza ngongole;
Kufufuza momwe zinthu zilili kale, zomwe zingathandize kuwunika kuchuluka kwa katundu, zomwe, chifukwa chake, zidzagulitsidwa kumsika waulere;
Kusanthula kwa zochitika zomwe mkulu wa bizinesi adachita zaka zitatu zapitazi, zomwe zingathandize kuzindikira kupezeka kwa zinthu zosaloledwa, ndikuchepetsa chiwopsezo cha bankirapuse kulengezedwa mwadala;
Kusanthula kuthekera kokulengeza kuti bankirapuse ndichabodza kapena mwadala, komanso kuthekera kobweretsa oyang'anira ku ngongole zazing'ono.

Chifukwa chake, njira ya bankirapuse (insolvency) ndichinthu chovuta kukhala ndi magawo angapo. Itha kukhala yosavuta kapena yathunthu.

Panthawi yomwe khothi limawona milandu yakubweza ngongole malamulo kapena payekha Akhululukidwa kulipira maakaunti olipilidwa, komanso chiwongola dzanja, zilango ndi zilango.

koma, kuvomereza ndi khothi lalamulo la munthu amene sanathenso kubweza ngongole sikungamupulumutse kubweza ngongole yonse. Njirayi imangololeza wobwereketsa kuti athe kulipira ngongole kwa omwe adamupatsa ngongole m'njira ina.

Bankirapuse ikhoza kukhala yopeka, kutanthauza kuti, kukonzekera, ndi cholinga chogwiritsa molakwika chuma kapena kupeza mwayi wobweza ngongole. Poterepa, ndi mlandu.

Pansi pa njirayi, lamuloli limapereka kuyang'anira ndipo mlandu wachifwamba... Pofuna kuchepetsa mavuto omwe angayambike chifukwa chokhazikitsidwa ndi bankirapuse, tikulimbikitsidwa kuchita kukonzekera koyambirira, komwe kungathandize kuwunika momwe zinthu ziliri pano.

Akatswiri amalimbikitsa mabungwe azamalamulo ndi anthu kuti ayambitse milandu kokha ngati njira yomalizapomwe sizotheka kuthetsa mavuto azachuma munjira ina.

Ngati muli ndi mafunso pamutuwu, tikupangira kuti muwonere kanema kuchokera ku Radio Mayak yokhudzana ndi bankirapuse:

Ndi kanema wonena zakubedwa kwamabizinesi, komwe kumawulula mafunso "Momwe mungasungire chuma", "Chifukwa chiyani mabizinesi amafunikira bankirapuse" ndi zina zotero:

Gulu la Maganizo a Life likukufunirani zabwino muzochitika zanu zalamulo ndi zachuma. Ngati muli ndi mafunso okhudzana ndi bankirapuse kapena onetsetsani, muwafunse mu ndemanga pansipa.

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