Emkhakheni wokuthengiselana kwebhizinisi kuya kwebhizinisi, isikweletu sohwebo sivela njengethuluzi lezezimali elibalulekile, elisiza ukuthengwa kwezimpahla nezinsizakalo ngaphandle kwenkokhelo yemali esheshayo. Lesi sihloko sihlose ukuqeda umqondo wesikweletu sohwebo, sikhanyise ngomshini wayo, izinzuzo, izingibe ezingaba khona, nezindlela zokuphatha ezisebenzayo. Ngokuhlukanisa lezi zici, sinikeza umhlahlandlela wamabhizinisi ukuze azulazule ezinkingeni zezikweletu zohwebo, athuthukise amasu awo ezezimali futhi akhuthaze ukukhula okuzinzile.
Okuqukethwe:
- Yini ikhredithi yokuhweba?
- Izinzuzo zokusebenzisa isikweletu sohwebo
- Izingozi ezihlobene nekhredithi yezohwebo
– Indlela yokuphatha izikweletu zohwebo ngempumelelo
- Izitayela zesikhathi esizayo kusikweletu sohwebo
Iyini isikweletu sohwebo?
Ikhredithi yokuhweba iwuhlelo lwezezimali phakathi kwamabhizinisi lapho umthengi evunyelwe ukuthenga izimpahla noma amasevisi futhi akhokhele umphakeli ngokuhamba kwesikhathi. Lolu hlelo lokukhokha oluhlehlisiwe luvamise ukuvezwa emigomeni yokuthengisa, ecacisa ubude besikhathi sesikweletu, esingasukela ezinsukwini ezingama-30 kuye kwezingu-90 noma ngaphezulu.
Lolu hlobo lwekhredithi lubalulekile ekugcineni i-liquidity, njengoba lwenza amabhizinisi akwazi ukuphatha ukungena kwawo kwemali ngendlela ephumelelayo. Ngokuhlehlisa ukukhokha, izinkampani zingasebenzisa imali yazo etholakalayo ukubhekana nezinye izidingo zezezimali, njengokutshala imali ku-inventory, okokusebenza, noma imizamo yokukhula.
Ngaphezu kwalokho, isikweletu sohwebo sisebenza njengobufakazi bokwethembana nokuzethemba phakathi komphakeli nomthengi. Ivamise ukunwetshwa ngokusekelwe ekufanelekeni kwesikweletu komthengi, umlando wokukhokha wesikhathi esidlule, kanye nobudlelwano obuqhubekayo phakathi kwezinhlangothi ezimbili. Lokhu kwethembana akugcini nje ngokuqinisa ubudlelwano bebhizinisi kodwa futhi kukhuthaza ukuphindaphinda ukuthengiselana, okunomthelela empumelelweni yebhizinisi yesikhathi eside.
Izinzuzo zokusebenzisa ikhredithi yezohwebo
Isikweletu sohwebo sinikeza izinzuzo ezimbalwa eziphoqayo kumabhizinisi. Okokuqala, kuthuthukisa ukuphathwa kokugeleza kwemali. Ngokuhlehlisa ukukhokhelwa kwezimpahla namasevisi, izinkampani zingakwazi ukwandisa imali yazo yokusebenza, ziqinisekise ukuthi izimali ziyatholakala ukuze kwenziwe imisebenzi ebalulekile kanye namathuba okutshala imali.
Okwesibili, isikweletu sohwebo singasebenza njengemalimboleko engenanzalo. Uma imigomo yekhredithi ingabandakanyi izinkokhiso zenzalo zokukhokha sekwephuzile phakathi nesikhathi sesikweletu okuvunyelwene ngaso, amabhizinisi aboleka imali ngempumelelo ngezindleko eziyiziro. Lesi sici sesikweletu sokuhweba singanciphisa kakhulu izindleko zezimali, sithuthukise inzuzo yonke.
Okokugcina, isikweletu sohwebo singakhuthaza ubudlelwano obuqinile phakathi kwabahlinzeki nabathengi. Njengoba abahlinzeki bedlulisela isikweletu kubathengi, izinga elijulile lokwethembana nokubambisana liyasungulwa. Lokhu kungaholela emigomeni emihle kakhulu esikhathini esizayo, njengezikhathi zokukhokha ezinde noma izaphulelo, ezizuzisa nakakhulu isimo sezimali somthengi.
Izingozi ezihlobene nekhredithi yezohwebo
Nakuba isikweletu sohwebo sinikeza izinzuzo eziningi, futhi siza nesabelo saso sezingozi. Ukukhathazeka okuyinhloko ingozi yokuzenzakalelayo. Uma umthengi ehluleka ukugcwalisa izibopho zakhe zokukhokha phakathi nesikhathi okuvunyelwene ngaso, umphakeli ubhekana nokulahlekelwa ngokwezimali. Lobu bungozi buphezulu kakhulu ezimbonini ezinamathuba amancane noma ezinokwehla komnotho.
Enye ingozi ibandakanya umthwalo wokuphatha wokuphatha isikweletu sohwebo. Ukulandelela ama-invoyisi, ukuqapha umnqamulajuqu wokukhokha, nokulandelela izinkokhelo ezidlulelwe yisikhathi kungadla isikhathi esibalulekile nezinsiza. Uma ingaphathwa kahle, le misebenzi ingaphazamisa eminye imisebenzi yebhizinisi ebalulekile.
Ngaphezu kwalokho, ukuthembela ngokweqile esikweletini sohwebo kungaholela ekungazinzini kwezimali kumthengi. Ukuqongelela izikweletu eziningi kakhulu ngesikweletu sohwebo, ikakhulukazi uma singaphathwa ngobuhlakani, kungase kuphazamise ukuhamba kwemali yenkampani kanye nokufaneleka kwekhredithi, okungase kuholele ekucindezelekeni kwezezimali.
Indlela yokuphatha isikweletu sohwebo ngempumelelo
Ukuphatha kahle isikweletu sohwebo kubalulekile ukuze kusetshenziswe izinzuzo zakhona kuyilapho kunciphisa ubungozi obuhlobene. Elinye isu libandakanya ukuhlola izikweletu okuphelele kumakhasimende angaba khona ngaphambi kokwelula isikweletu sohwebo. Lokhu kusiza ekuhloleni ukufaneleka kwabo kwekhredithi kanye nokunciphisa ingcuphe yokungakhokhi.
Esinye isici esibalulekile ukubeka imigomo nemibandela yekhredithi ecacile. Lokhu kufanele kubandakanye isikhathi sesikweletu, noma iyiphi inzalo noma izinkokhelo zokukhokha sekwephuzile, kanye nezaphulelo zokukhokha ngaphambi kwesikhathi. Imigomo ecacile iqinisekisa ukuthi zombili izinhlangothi ziqondanise okulindelekile, zinciphisa amathuba ezingxabano.
Okokugcina, ubuchwepheshe obusebenzayo bungenza lula ukuphathwa kwezikweletu zohwebo. Izixazululo ezihlukahlukene zesofthiwe ziyatholakala ezisebenza ngokuzenzakalelayo ukucutshungulwa kwe-invoyisi, ukulandelela inkokhelo, nezikhumbuzi. Ngokwamukela amathuluzi anjalo, amabhizinisi anganciphisa umthwalo wokuphatha wekhredithi yezohwebo, ewavumela ukuba agxile emisebenzini eyinhloko.
Amathrendi wesikhathi esizayo kukhredithi yokuhweba
Isimo sesikweletu sohwebo siyathuthuka, siqhutshwa intuthuko yezobuchwepheshe kanye nokushintshashintsha kwezimakethe. Omunye umkhuba ophawulekayo ukusetshenziswa okwandayo kwamapulatifomu edijithali nobuchwepheshe be-blockchain ukuze kube lula ukuhwebelana ngesikweletu sohwebo. Lezi zinqubo ezintsha zithembisa ukuthuthukisa ukubeka izinto obala, ukunciphisa ukukhwabanisa, nokwenza lula izinqubo zokuphatha.
Ngaphezu kwalokho, njengoba uhwebo lwembulunga yonke luqhubeka nokwanda, amabhizinisi afuna izixazululo eziguquguqukayo nezenziwe ngokwezifiso zezikweletu zohwebo. Lesi sidingo siholela ezindlekweni ezintsha zokuthola imali ezihlangabezana nezidingo ezithile zezimboni nezigaba zemakethe.
Sengiphetha, isikweletu sohwebo sihlala siyithuluzi lezezimali elibalulekile emabhizinisini, enikeza inhlanganisela yokuphathwa kwezimali, ukonga izindleko, nokwakha ubudlelwano. Nokho, izinzuzo zayo ziza nezingozi ezingokwemvelo ezidinga ukuphathwa ngokucophelela. Ngokuqonda nangokuzulazula ngempumelelo lezi zinkimbinkimbi, amabhizinisi angasebenzisa isikweletu sohwebo ukuze afeze izinhloso zawo zamasu futhi aqhubekisele ukukhula.
Isiphetho
Ikhredithi yezohwebo iyithuluzi lezezimali elinamandla kodwa eliyinkimbinkimbi emkhakheni we-B2B, elihlinzeka ngezimali futhi likhuthaza ukukhula kodwa lidinga ukuphathwa ngokucophelela ukuze kuncishiswe ubungozi obukhona. Njengoba amabhizinisi eqhubeka nokuthuthuka, kanjalo nezindlela namasu okuphatha izikweletu zohwebo, okusekela indima yawo emnothweni womhlaba.
