Kwindawo yokuthengiselana kwishishini ukuya kwishishini, ikhredithi yorhwebo ivela njengesixhobo esibalulekileyo sezemali, ukuququzelela ukuthengwa kweempahla kunye neenkonzo ngaphandle kwentlawulo yemali kwangoko. Eli nqaku lijolise ekunciphiseni ingqikelelo yetyala lorhwebo, inika ukukhanya kubuchwephesha bayo, izibonelelo, imigibe enokubakho, kunye nobuchule bolawulo obusebenzayo. Ngokucazulula le miba, sinikezela ngemephu yendlela kumashishini ajongana nobunzima betyala lorhwebo, siphucula izicwangciso zabo zemali kunye nokukhuthaza ukukhula okuzinzileyo.
Isiqulatho:
- Yintoni ikhredithi yorhwebo?
-Iinzuzo zokusebenzisa ikhredithi yorhwebo
– Imingcipheko eyayanyaniswa nekhredithi yorhwebo
– Indlela yokulawula ikhredithi yorhwebo ngokufanelekileyo
-Iindlela zexesha elizayo kwityala lorhwebo
Yintoni ikhredithi yorhwebo?
Ikhredithi yorhwebo lulungiselelo lwemali phakathi kwamashishini apho umthengi avunyelwe ukuba athenge iimpahla okanye iinkonzo aze ahlawule umniki-nkonzo kamva. Esi sicwangciso sentlawulo emisiweyo sidla ngokuchazwa ngokwemigaqo yokuthengisa, ichaza ixesha letyala, elinokusuka kwiintsuku ezingama-30 ukuya kwezingama-90 nangaphezulu.
Olu hlobo lwetyala lubalulekile ekugcinweni koqoqosho, njengoko luvumela amashishini ukuba akwazi ukulawula ukuhamba kwawo nokuphuma kwemali ngendlela efanelekileyo. Ngokuhlehlisa intlawulo, iinkampani zinokusebenzisa imali yazo ekhoyo ukujongana nezinye iimfuno zemali, ezinjengotyalo-mali kuluhlu, izixhobo, okanye amanyathelo okukhula.
Ngaphezu koko, ikhredithi yorhwebo isebenza njengobungqina bokuthembana kunye nokuzithemba phakathi komthengisi kunye nomthengi. Idla ngokwandiswa ngokusekelwe kwityala lomthengi, imbali yentlawulo yangaphambili, kunye nobudlelwane obuqhubekayo phakathi kwamaqela amabini. Oku kuthembana akupheleli nje ekuqiniseni ubudlelwane bezoshishino kodwa kukwakhuthaza ukuphinda-phindwa kwentengiselwano, nto leyo enegalelo kwimpumelelo yoshishino yexesha elide.
Iinzuzo zokusebenzisa ikhredithi yorhwebo
Ikhredithi yorhwebo ibonelela ngeenzuzo ezininzi ezinyanzelisayo kumashishini. Okokuqala, iphucula ulawulo lokungena nokuphuma kwemali. Ngokurhoxisa intlawulo yeempahla kunye neenkonzo, iinkampani zinokwandisa imali yazo yokusebenza, ziqinisekise ukuba zikhona iimali zemisebenzi ebalulekileyo kunye namathuba otyalo-mali.
Okwesibini, ikhredithi yorhwebo inokusebenza njengemali-mboleko engenanzala. Ukuba imiqathango yekhredithi ayibandakanyi inzala yeentlawulo ezifike emva kwexesha kwixesha letyala ekuvunyelwene ngalo, amashishini aboleka imali ngexabiso elinguziro. Lo mba wekhredithi yorhwebo unokunciphisa kakhulu iindleko zenkxaso-mali, ukuphucula inzuzo yonke.
Okokugqibela, ikhredithi yorhwebo inokukhuthaza ubudlelwane obuluqilima phakathi kwababoneleli kunye nabathengi. Njengoko ababoneleli benikezela ngetyala kubathengi, inqanaba elinzulu lokuthembana kunye nentsebenziswano iyasekwa. Oku kunokukhokelela kwimimiselo encomekayo kwixesha elizayo, elifana namaxesha okuhlawula amade okanye izaphulelo, ezinokuthi zibe yingenelo ngakumbi kwimeko yezemali yomthengi.
Imingcipheko enxulumene nekhredithi yorhwebo
Ngelixa ikhredithi yorhwebo ibonelela ngeenzuzo ezininzi, ikwaza nesabelo sayo somngcipheko. Inkxalabo ephambili kumngcipheko wokusilela. Ukuba umthengi uyasilela ukuzalisekisa izibophelelo zentlawulo ngexesha ekuvunyelwene ngalo, umniki-nkonzo uya kujongana nelahleko yemali. Lo mngcipheko uphezulu kakhulu kumashishini anemida emincinci okanye ekuwohlokeni kwezoqoqosho.
Omnye umngcipheko ubandakanya umthwalo wolawulo wokulawula ikhredithi yorhwebo. Ukulandelela ii-invoyisi zomkhondo, ukujonga imihla ebekiweyo yokuhlawula, kunye nokulandela iintlawulo ezidlulelwe lixesha kunokutya ixesha kunye nezixhobo ezibalulekileyo. Ukuba ayilawulwa ngokufanelekileyo, le misebenzi inokuphazamisa eminye imisebenzi ebalulekileyo yoshishino.
Ngaphaya koko, ukuthembela kakhulu kwityala lorhwebo kunokukhokelela ekungazinzini kwemali kumthengi. Ukuqokelela amatyala amaninzi ngetyala lokurhweba, ngakumbi ukuba alilawulwa ngobulumko, kunokubangela ingxaki yokuhamba kwemali yenkampani kunye nokufaneleka kwetyala, nto leyo enokukhokelela kuxinzelelo lwezemali.
Indlela yokulawula ikhredithi yorhwebo ngokufanelekileyo
Ulawulo olusebenzayo lwetyala lorhwebo lubalulekile ekusebenziseni iinzuzo zalo ngelixa kuncitshiswa umngcipheko ohambelana nawo. Esinye isicwangciso sibandakanya ukujongwa ngokucokisekileyo kwetyala kubathengi abanokubakho ngaphambi kokuba kwandiswe ikhredithi yorhwebo. Oku kunceda ekuvavanyeni ukufaneleka kwabo kwityala kunye nokunciphisa umngcipheko wokusilela.
Omnye umba obalulekileyo kukumisela imigaqo nemiqathango ecacileyo yetyala. Oku kufuneka kubandakanye ixesha letyala, nayiphi na inzala okanye imirhumo yokuhlawulwa kade, kunye nezaphulelo zeentlawulo zakwangoko. Amagama acacileyo aqinisekisa ukuba omabini amaqela alungelelanise okulindelekileyo, ukunciphisa ukubakho kweengxabano.
Okokugqibela, itekhnoloji ye-leveraging inokulungelelanisa ulawulo lwetyala lorhwebo. Izisombululo ezahlukeneyo zesoftware ziyafumaneka ezenza ngokuzenzekelayo ukusetyenzwa kwe-invoyisi, ukulandelwa kwentlawulo, kunye nezikhumbuzi. Ngokwamkela izixhobo ezinjalo, amashishini anokunciphisa umthwalo wolawulo wekhredithi yorhwebo, ebavumela ukuba bagxininise kwimisebenzi engundoqo.
Iintsingiselo zexesha elizayo kwikhredithi yorhwebo
Ubume betyala lorhwebo luyaguquguquka, luqhutywa kukuqhubela phambili kobuchwepheshe kunye nokutshintsha kweenguqu kwimarike. Enye intsingiselo ephawulekayo kukusetyenziswa okukhulayo kwamaqonga edijithali kunye neteknoloji ye-blockchain ukuququzelela ukuthengiselana ngetyala lorhwebo. Ezi nguqulelo zithembisa ukomeleza ukwenziwa kwezinto elubala, ukunciphisa ubuqhophololo, kunye nokulungelelanisa iinkqubo zolawulo.
Ngaphezu koko, njengoko urhwebo lwehlabathi luqhubeka lusanda, amashishini afuna izisombululo eziguquguqukayo nezilungelelanisiweyo zetyala lorhwebo. Le mfuno ikhokelela kukhetho olutsha lwenkxaso-mali oluhlangabezana neemfuno ezithile zamashishini ahlukeneyo kunye namacandelo emarike.
Ukuqukumbela, ikhredithi yorhwebo isesisixhobo esiyimfuneko sezemali kumashishini, ibonelela ngokudityaniswa kolawulo lwemali yokuhlawula amatyala, ukongiwa kweendleko, kunye nokwakhiwa kobudlelwane. Nangona kunjalo, izibonelelo zayo ziza kunye nemingcipheko yendalo efuna ukulawulwa ngononophelo. Ngokuqonda kunye nokusebenza ngokufanelekileyo kobu bunzima, amashishini anokunyusa ikhredithi yorhwebo ukufezekisa iinjongo zabo ezicwangcisiweyo kwaye aqhube ukukhula.
isiphelo
Ikhredithi yorhwebo sisixhobo esinamandla kodwa esintsonkothileyo sezemali kwicandelo le-B2B, ebonelela ngemali yokuhlawula amatyala kunye nokukhuthaza ukukhula kodwa ifuna ulawulo olulumkileyo ukuze kuthotywe imingcipheko ekhoyo. Njengoko amashishini eqhubeleka nokuvela, ngokunjalo neendlela kunye nezicwangciso zokulawula intengo yemboleko yorhwebo, zixhasa indima yazo kuqoqosho lwehlabathi.
