Cash management mumabhangi

Kutungamirirwa kwechinhu chero chipi zvacho chinokurudzira kushandiswa kwekodzero kunofanira kuedza kuve nechokwadi chokuti kukosha kwebhangi kunosvika pakukwirira, i.e. Kuti bhagheni inogona kuita purogiramu pane imwe nhanho yengozi. Nekudaro, kutungamirirwa kwezvikwereti zvebhangi inzira yakaoma, kusanganisira kutarisira kwemari inopera, kuongororongedza kwehutano hwezviitiko zvekuda kwekurashikirwa nekudzivirira kwayo kuburikidza nekugadzirisa kushanda kwebasa, kusarudzwa kwevashandi vanogadziriswa kwemasimba evanhu vese uye ekutarisira, kuiswa kwezvigadziriswa zvese.

Mabhiriji emabhengi akaparadzaniswa kuva mapoka akawanda evanhu:

1. Njodzi dzezvemari, kusanganisira misika uye mari, kubhadhara mari, kukwereka uye kukweretesa chikwereti, kukanganisa mari yekukwanisa, kubhadhara zvikwereti zvinokonzera, kushandiswa kwemari.

2. Njodzi dzebhizimisi, kusanganisira dambudziko rezvivako zvemari, mutemo, mutengesi.

3. Ngozi dzekukurumidzira, iyo ndeyematongerwo enyika, njodzi dzekunetsana kwebhangi munyika iyo bhangi iripo, uye kune dzimwe nyika.

4. Njodzi dzekushanda, kusanganisira zviito zvekubiridzira zvevashandi kana vatengi, zvipingamupinyi zvekugadzirwa kwekombiki, sarudzo yakasarudzwa uye yegadziriro yekodhi yemusangano wekwereti.

Zvinonyanya kuoma kugadzirisa ndezviitiko zvekukurumidza, nokuti Vanowanzosimuka pakarepo uye havagone kuonekwa, kunyanya kana mamwe emabhangi emari ari mune imwe nyika. Semuenzaniso, kubvumidzwa kwekushanda nemari mune imwe nyika kunoshatisa hutungamiri hwemari inoyerera iyo inofanirwa kugamuchirwa nebhandi. Dzimwe njodzi dzinogona uye dzinofanira kuderedzwa kuitira basa rakabudirira.

Nokuda kwekuti basa guru rebhangi rakafanana nekuunganidza mari uye kugoverwa kwavo nenzira yezvikwereti, chikamu chakakura mumatambudziko ebhangi chinotorwa nekwereti. Inosanganisira mukana wokuti chikwereti hachizobhadhara chikwereti zvachose, kudzorera chikamu chayo chete kana kuita basa rekubhadhara mari nekuputsa kwemazuva ekupedzisira.

Pakati pezvikwereti, pane zvikwereti kubva kune vasina hanya navashambadziri vese, vasina kudzoka nevashandi vekambani, uyewo njodzi iyo hurumende icharasikirwa nekwanisi kubhadhara mitoro yayo (mutongi).

Kudyirwa kwekodzero kunoreva:

- kutungamira kwekwereti yebhengi yemari, iyo maitiro ayo anoratidzwa mumutemo unofanirwa nenzira yeurongwa hwekugoverwa kwemari yemari, zvimwe;

- kushanda kwechikwereti basa (zvikwereti zvinofanira kudzoka, kuunza pfuma uye kudiwa mumusika);

- kugara uchiongororwa kwehutano hwehukwereti;

- kugoverwa kwekusakwereta zvikwereti uye kukura kwezviyero zvekudzoka kwavo;

- Kuderedza zvikwereti zvekwereti kuburikidza nekudhura zvikwereti zvakakura kune mumwe munhu kana mumwe munhu, dunhu kana kunyange nyika, zvichigadzira hurongwa hwekuchengetedza zvingaita kurasikirwa, nezvimwewo.

Mukuwedzera pakuvimbisa kubhadharwa kwezvikwereti, bhangi rinofanira kusimudza mari yekuisa mari, nokuti Pamutengo wemari yavo, chikamu chiduku chezvikwereti zvinoitwa. Kuti zvive zvakanaka kugadzirisa kuerera kwemari, zvakakosha kuongorora huwandu hwehupfumi huripo uye zvigadziro zvemakwikwi kuisa mukana wekuisa mari inokwezva kune vatengi, vane mukurumbira wakanaka wokukweretesa mari pamusika we interbank, kusangana nemasimba ekutonga anodiwa ekutsigira zvikwereti zvake, Mari, somuenzaniso, mumusika wekutengesera kana mari, nezvimwewo.

Kutungamirirwa kwebhangi yemari inoyerera ndiyo nzira yakaoma, mugumisiro wekupedzisira unofanirwa kunge uri wepamusoro wehairi yepamusoro sarudzo inoita kuti purogiramu inobatsirwe purogiramu inotarisirwa yengozi uye kutevedza mitemo iripo uye mitemo.