Ukugcinwa Kwekhasimende: Izibalo, Amasu, kanye Nezibalo (CRR vs DRR)

Umhlahlandlela Wokugcinwa Kwekhasimende kwe-Infographic

Sabelana ngokuncane ngokutholwa kepha akwenele mayelana ukugcinwa kwamakhasimende. Amasu amakhulu wokumaketha awalula njengokushayela imikhondo eyengeziwe, futhi imayelana nokushayela imikhondo efanele. Ukugcina amakhasimende kuhlala kuyingxenyana yezindleko zokuthola amasha.

Ngobhadane, izinkampani zazizingela futhi zazingenalo nolaka ekutholeni imikhiqizo nezinsizakalo ezintsha. Ngokwengeziwe, imihlangano yokuthengisa ngaphakathi kanye nezinkomfa zokumaketha zaphazamisa kakhulu amasu okuthola ezinkampanini eziningi. Ngenkathi siphendukela emihlanganweni nasemicimbini ebonakalayo, amandla ezinkampani eziningi okushayela ukuthengisa okusha kwakungamakhaza aqinile. Lokhu kusho ukuthi ukuqinisa ubudlelwano noma nokuthengisa abathengi bamanje kubaluleke kakhulu ekugcineni imali iqhubeka futhi nenkampani yabo isebenza.

Ubuholi ezinhlanganweni ezikhula kakhulu buphoqeleka ukuthi bunake kakhulu ukugcinwa kwamakhasimende uma amathuba okuthola izinto encishiswa. Nginganqikaza ukusho ukuthi lezo bekuyizindaba ezimnandi… kube yisifundo esibuhlungu kakhulu ezinhlanganweni eziningi ukuthi kufanele zisombulule futhi ziqinise amasu azo okugcina amakhasimende.

Izibalo Zokugcinwa Kwamakhasimende

Kunezindleko eziningi ezingabonakali eziza nokugcinwa kwamakhasimende okungalungile. Nazi ezinye izibalo ezigqamile okufanele zikhuphule ukugxila kwakho ekugcineni amakhasimende:

  • I-67% ye amakhasimende abuyayo asebenzisa okuningi onyakeni wabo wesithathu wokuthenga ebhizinisini kunasezinyangeni zabo zokuqala eziyisithupha.
  • Ngokwandisa isilinganiso sakho sokugcinwa kwamakhasimende ngo-5%, izinkampani zingakwazi khulisa inzuzo ngo-25 kuya ku-95%.
  • Izinkampani ezingama-82% ziyavuma lokho izindleko zokugcina amakhasimende zingaphansi kokutholwa kwamakhasimende.
  • Amakhasimende angama-68% ngeke abuyele ebhizinisini ngemuva kokuba ne- isipiliyoni esibi nabo.
  • Ama-62% wamakhasimende ezwa ukuthi imikhiqizo athembeke kakhulu kuyo ayenzi ngokwanele kuyo klomelisa ukwethembeka kwamakhasimende.
  • Ama-62% amakhasimende ase-US athuthele kumkhiqizo ohlukile ngonyaka odlule ngenxa ye- isipiliyoni samakhasimende esimpofu.

Ibala isilinganiso sokugcinwa (iKhasimende neDola)

Akuwona wonke amakhasimende asebenzisa inani elifanayo lemali enkampanini yakho, ngakho-ke kunezindlela ezimbili zokubala amazinga wokugcina:

  • Isilinganiso Sokugcinwa Kwekhasimende (CRR) - iphesenti lamakhasimende owagcinayo ahlobene nenombolo owawunayo ekuqaleni kwesikhathi (kungabalwa amakhasimende amasha).
  • Izinga Lokugcinwa KweDola (DRR) - iphesenti lemali oyigcinayo ngokuhlobene nemali onayo ekuqaleni kwesikhathi (kungabalwa imali engenayo entsha). Indlela yokubala lokhu ukuhlukanisa amakhasimende akho ngobubanzi bemali engenayo, bese kubalwa i-CRR ebangeni ngalinye.

Izinkampani eziningi ezinenzuzo enkulu zingaba nazo ukugcinwa kwamakhasimende okuphansi kodwa ukugcinwa kwedola ephezulu njengoba zisuka kwizinkontileka ezincane ziye kwizinkontileka ezinkulu. Sekukonke, inkampani inempilo futhi inenzuzo enkulu yize ilahlekelwe ngamakhasimende amaningi amancane.

Umhlahlandlela Wokugcina Ekugcinweni Kwamakhasimende

Lokhu infographic kusuka M2 Ibambile imininingwane yezibalo zokugcinwa kwamakhasimende, kungani izinkampani zilahlekelwa ngamakhasimende, ukuthi zingabalwa kanjani isilinganiso sokugcinwa kwamakhasimende (I-CRR), ungasibala kanjani isilinganiso sokugcinwa kwedola (DRR), kanye nezindlela ezinemininingwane yokugcina amakhasimende akho:

  • lezimanga - Mangaza amakhasimende ngeminikelo engalindelekile noma ngisho nenothi elibhalwe ngesandla.
  • Ukulindela Izinto - Amakhasimende adumele avame ukuvela ngokubeka okulindelwe okungenangqondo.
  • ukwaneliseka - qapha izinkomba zokusebenza ezibalulekile ezinikeza ukuqonda ukuthi waneliseke kangakanani amakhasimende akho.
  • Impendulo - cela impendulo yokuthi ulwazi lwakho lwamakhasimende lungathuthukiswa kanjani futhi usebenzise lezo zixazululo ezinomthelela omkhulu.
  • Khulumisana - Xhumana ngokuqhubekayo nentuthuko yakho nenani oliletha kumakhasimende akho ngokuhamba kwesikhathi.

Amakhasimende anelisa nje ngeke anele ukuthola ukwethembeka kwawo. Esikhundleni salokho, kumele bathole insizakalo esezingeni elifanele yebhizinisi labo eliphindaphindwayo nokudluliselwa. Qonda izinto ezishayela le nguquko yamakhasimende.

URick Tate, Umbhali we I-Service Pro: Ukudala Amakhasimende Angcono, Asheshayo, Futhi Ahlukile

I-Infographic Yokugcinwa Kwekhasimende

Ukudalulwa: Ngisebenzisa isixhumanisi sami sokusebenzisana se-Amazon sencwadi kaRick Tate.

3 Amazwana

  1. 1
  2. 3

UCABANGANI?

Le sayithi isebenzisa i-Akismet ukunciphisa ugaxekile. Funda ukuthi idatha yakho yokuphawula isetshenziswa kanjani.