Abathengi abalulekileyo - ngubani, iintlobo, ubuqili bomsebenzi, ulawulo kunye nophuhliso lwabaxumi abakhulu

Kulo candelo lorhwebo, le ngcamango isetyenziswe njengabantu "abathengi abakhulu", abazisa inzuzo enkulu kwiinkampani zorhwebo kunye neerhente. Kuloo mibutho kukho isikhundla seMphathi we-Akhawunti eMphambili - umqeshwa ochaphazelekayo ekusekeni ubudlelwane nabathengi abakhulu.

Ngubani lo mthengi oyintloko?

Siqala ngeenkcazo zekota, ngoko, sithetha umthengi onokuchaphazela kakhulu inzuzo yenkampani. Ziquka iinkampani ezinkulu kunye nabaxhasi bezithombe. Isabelo sentengiso singaba ngu-30-55% yemali yenani lentlangano. Xa sicinga ukuba ngabaphi abathengi abalulekileyo bathetha, kubalulekile ukubonisa ukuba umthengi uhanjiswe kubo xa ehlangabezana nale migaqo elandelayo:

• kuzisa inzuzo ;
• ngumlingani othembekileyo;
• Iintsebenziswano zesikhathi eside;
• unempembelelo ekukhuleni ukuthengisa;
• unike amathuba okufumana iindlela ezintsha zokufumana;
• inokuchaphazela idumela lenkampani.

Iintlobo zabathengi abalulekileyo

Ukuthatha uhlalutyo lwabathengi, umphathi angahlula abaxhasi kumaqela anjalo:

1. Isondlo sokutya . Oku kubandakanya uluhlu lwabathengi abakhulu ababonelela ngenani leenzuzo zenkampani-10% okanye ngaphezulu kweyonke. Kwiimeko ezininzi, ulindele ukusebenzisana kwexesha elide.
2. Eyona ndlela . Baquka abathengi abatsha abanesabelo esihle sokuthenga iimveliso okanye iinkonzo. Baya kuba "abadla ukutya" ukusuka kumashishini.
3. Umenzi-mfanekiso . Abathengi abakhethekileyo banamagama awaziwayo kwaye ziinkokheli kumashishini okanye kummandla wabo. Baya kunika igama elihle kwenkampani.
4. Ingcali . Umthengi unemfuno ephezulu, ukubeka phambili kumgangatho weempahla kunye nenqanaba lenkonzo. Kwiimeko ezininzi, unolwazi olubalulekileyo lweemarike apho inkampani isebenzayo.

Ukusebenza nabathengi abaziintloko

Ukucwangcisa umsebenzi osebenzayo kunye nabathengi abalulekileyo, kufuneka ufunde iimpazamo eziphambili ezingabangela ukulahlekelwa kwabathengi.

1. Kubaluleke kakhulu kukugcina ixesha, kuba ukulibaziseka kubonisa umthengi ongeyicalulo ngaye.
2. Isebe ekusebenziseni nabaxhasi abakhulu makungavumi ukuvumela iimeko ezinzima, ukubonisa ukunakekelwa kunye nokulinganisela. Ingxabano yengozi yokulahlekelwa ngumthengi.
3. Enye yeempazamo eziqhelekileyo kukungabikho kolwazi malunga nabathengi, ngoko kubalulekile ukuba usebenze ngokucophelela.
4. Abathengi abalulekileyo banelungelo lokuba umphathi alungiselele ngokuthe ngcuthe uxoxiswano. Kubalulekile ukuqokelela ulwazi malunga nenkampani yomthengi, cinga ngemibuzo kunye neziphakamiso ezinomdla.
5. Unokulahlekelwa ngumthengi ukuba umphathi engazi umkhiqizo, ngoko ukufunda malunga nazo zonke iinguqu zemveliso okanye inkonzo yimfuneko ebalulekileyo yokuqeqesha uchwepheshe.

Uhlalutyo lwabaxumi abakhulu

Iinkampani kufuneka zenze uhlalutyo ngokukhawuleza ukuchonga indlela yokulungisa isicwangciso sokusebenza nabaxhasi. Eyona ndlela isebenzayo kwaye ilula kukuba uhlalutyo lwe-ABC-XYZ, olubandakanya ukwahlula kwamakhasimende kumaqela ngokwemiqathango ethile. Ubuqhetseba bokusebenza nabathengi abaziintloko abasebenzisa olu hlalutyo lubandakanya ukudibanisa kweendlela ezimbini ezifakwe kwitafile ze-Excel:

1. Uhlalutyo lwe-ABC - lunceda ukugqiba uluhlu lwabathengi ngokuthengisa okanye inzuzo. Abaxhasi bahlulwe ngamacandelo amathathu: kunye nenani elikhulu lokuthenga, ngesantya esiphezulu kunye ncinane.
2. Uhlalutyo lwe-XYZ-luhambisa abantu abathengi ngokwexesha lokuthenga. Kwakhona, amaqela amathathu ahlukileyo: abo bathengi rhoqo, rhoqo kunye ngokungavumelekanga.

Ukuphuhliswa kwabaxhasi abakhulu

Inkampani kufuneka iphuhlise isicwangciso sokuziphatha kunye nabathengi abalulekileyo kunye nokwenza ngcono izixhobo ezikhoyo ukuze zihlangabezane neemfuno zabathengi. Ndiyabulela oku, ukuthengisa kumakhasimende abalulekileyo kukukhula, kwaye ingxelo iyaqhubeka. Ukuze bachonge abathengi abaza kubakho, bakhokelwa yimigaqo yezinto ezintathu "P": imfuneko yenkonzo, i-solvency, igunya lokuthatha isigqibo. Ulwazi malunga nabathengi abangundoqo banokufumaneka kwi-press ekhethekileyo kunye nentengiso, amajelo , i-Intanethi kunye nolwazi olukhethekileyo lwe-elektroniki.

Ulawulo lwabaxumi abakhulu

Ukusebenza nabathengi abaziintloko kubandakanya ukuhlalutya okubanzi kunye noqeqesho kunokuba kusebenzisane nabanye abathengi. Ukugcina abaxhasi abaphambili kuthetha ukudala ifayili nganye nganye:

1. Khetha ulwazi jikelele, olubandakanya: inkcazo ngokubanzi yenkampani, inani labasebenzi, imbali yophuhliso, abasebenzi, isakhiwo senkqubela kunye nedatha kwimo engqongileyo.
2. Imbali yobudlelwane ichazwe, ingqalelo nokuba yintoni na xa ithe yahanjiswa, kwiziphi iithenda ezithathe inxaxheba, izizathu zokunqoba kunye nokulahleka. Ingcali inquma ukusebenzisana kweli nqanaba nakwixesha elizayo.
3. Inkqubo yokwenza izigqibo kwinkampani yomthengi iyasebenza. Apha, bonke abasebenzi abafanelekileyo kule nto kufuneka baqwalaselwe.
4. Ulwazi luqokelelwe ngabathengisi abazama ukuphumelela kwicala labo abanokubaluleka kwamakhasimende.

Ukuthengiswa kwabathengi abaziintloko

Indlela yokucwangcisa ekuthengiseni nasekuthengiseni, ngokusekelwe kwingqwalasela yomntu onokufumana okanye umthengi, njengemakethi ehlukeneyo, yokwakha unxibelelwano olufanelekileyo, ukuthengisa - Ukuthengiswa kwe-Akhawunti. Ngaloo ndlela, unokuqhuba iingxoxo eziphumeleleyo kunye nabathengi abakhulu, ukuhlangabezana neemfuno zabo, ukulungelelanisa ukuthengiswa kwezigaba zokuqala, ukufumana inzuzo enkulu ekuthengiseni nasekuvuseleleni umthengi.

Imibutho yezorhwebo isebenzisa ukuthengiswa kwabathengi abalulekileyo ukuxelela ngokubanzi malunga nesibonelelo sokuthengisa esiyingqayizivele. Kuyo, inkcazelo echanekileyo yabathengi abathengi kunye nokudala ikhadi lokudibanisa kubaluleke kakhulu. Ukongeza, iinkampani ziqwalasela umsebenzi weqela lokudibanisa lokuthengisa nokuthengisa, ukudala umxholo kunye nenkqubo nganye.

Ukulahlekelwa ngumthengi oyintloko

Xa inkampani ilahlekelwa ngumthengi oyintloko, ngoko inzuzo yokuthengisa iyanciphisa kakhulu kwaye kukho umonakalo omkhulu. Kukho izizathu ezininzi zokulahlekelwa kwabathengi kunye neendlela ezikhethiweyo ziquka: ukunciphisa izinga lenkonzo yabathengi, ukuphucula umgangatho weemveliso okanye iinkonzo, ukungaphumeleli ukuhlangabezana nezixesha kunye nezithembiso. Ukongezelela, iimbono zabaxumi azinakunyulwa okanye azikhohliwe. Amakhasimende abalulekileyo angabuyiselwa, kodwa oku kuya kufuneka kusebenze nzima:

1. Inkcazo yekhredithi ebonisa ukuba umthengi ulahlekile, umzekelo, umthengi ixesha elide akasithengi nantoni na.
2. Ukunika ingxelo ngeenjongo ezinjalo: inombolo kunye neenkuthazo zokungaphumeleli, kwakunye nezikhokelo ezivela kuzo.
3. Ukudweba uluhlu lwabathengi ofuna ukubuyela ngalo, nokuphuhlisa iindlela zokutsala. Oku kubandakanya ukunikezelwa okukhethekileyo, izipho, izaphulelo kunye nokunye.

Umphathi we Akhawunti

Ngenxa yobuphando oqhutywayo kwakungenako ukuseka ukuba impumelelo engaphezulu kwe-50% yokuthengisa kunye nokusebenzisana ngempumelelo kunye nabathengi kuxhomekeke kumphathi (Umphathi we-Akhawunti ebalulekileyo). Umntu kule ndawo uchaphazela isiqingatha senzuzo, ngoko amandla akhe asondele entloko yenkampani. Ngokuphathelele uxanduva lomphathi wokusebenza nabathengi abakhulu, umsebenzi wakhe oyintloko ukhuthaza abathengi ukuphuhlisa intsebenziswano yexesha elide. Ukongeza, wenza imisebenzi elandelayo:

• uqhuba uphando lweemarike;
• u thethwano ;
• Ukwandisa iindlela zokuphunyezwa;
• iinkqubo;
• ukwenza isicwangciso sokuphunyezwa;
• khokela abathengi abalulekileyo.

Izakhono zoMphathi we-Akhawunti

Abaqashi abaninzi bayavuma ukuba abaphathi abaphezulu kufuneka babe nemfundo ephakamileyo, kwaye i-specialty ngqo ayibonakali. Ngokufanelekileyo, umphathi wabathengi abaziintloko kufuneka abe nolwazi kwintsimi yeengqondo kunye nokuthengisa, kwaye umgangatho wokuqala unokuba ngowona mkhulu kwimfundo. Ukongeza, kufuneka abe nezakhono ezinjalo:

1. Umqeshwa kufuneka abe nolwazi malunga nemveliso yenkampani, oko kukuthi, kufuneka akwazi ukuphendula nayiphi na, nokuba ngumbuzo othize kumthengi.
2. Ingcali yecandelo leengcali kufuneka libe nolwazi olunxulumene nokuthengisa. Kufuneka akwazi ukuthengisa izinto nje kuphela, kodwa neengcamango.
3. Ngokufanelekileyo, umphathi kufuneka aqonde ngokubhekiselele kwimicimbi yokuphuhlisa ishishini: ukubuthathaka kunye nethemba elizayo.
4. Umqeshwa kufuneka abe nezakhono zoqhagamshelwano lwezoshishino, ukucinga ngokuhlalutya kunye nobuchule obuphezulu beengqondo. Ingcali kufuneka yazi iilwimi zangaphandle, i- acumen yezoshishino kwaye ikwazi ukuqikelela ukuziphatha komthengi.