Ibhizinisi Onqenqemeni: Ukubhekana Nesimo Esikhulayo Sokuhluleka sase-Australia kanye Nokuzenzakalelayo Kwe-B2B

Ukwehluleka kwebhizinisi e-Australia kukhuphuke ngo-2024, izinga lokuhluleka lenyuka ngo-17.3% kusukela ngoJanuwari, okushiye izinkampani eziningi zibhekene namaqiniso abuhlungu omnotho othuthukayo. Ngaphezu kwalokho, izibalo ze-Australian Securities & Investments Commission zembula ukuthi kube nokuqokwa kwabangenamali abayizi-4,710 ngo-2024-25 kuze kube sekupheleni kuka-Okthoba.

Umnotho wase-Australia ubhekene nezinselelo ezimbalwa eziqhuba ukwehluleka kwebhizinisi kanye nezinkokhelo ezizenzakalelayo ze-B2B. Ukwehla kwamandla emali okudlondlobele phakathi neminyaka emithathu kuya ku-2023-24 kwenze iBhange Lombuso lase-Australia ukuthi liqinise inqubomgomo yezimali ngamandla, okuholele ekwenyukeni kwezinga lenzalo kaningi kusukela ngoMeyi 2022 kuya ekukhuphukeni kwakamuva ngoNovemba 2023.

Noma izinga lemali selokhu lazinza futhi inkomba yentengo yomthengi yehle ngaphakathi kwebhendi eqondiwe yi-RBA phakathi nonyaka kuya kukota yokuqala ka-2024-25, izindleko eziphakeme zokuboleka zisawumthwalo emabhizinisini. Lezi zimo ziphoqa ukuhamba kwemali futhi zenza kube nzima ukukhokhela izikweletu ezikhona. Khonamanjalo, abathengi ababhekene nokukhuphuka kwezinkokhelo zezindlu ezibolekwayo banciphisa izindleko zabo ezimpahleni ezingabalulekile, okuletha izinselele ezengeziwe kumabhizinisi athembela kubathengi.

Ukushintsha kwezindlela zokusebenzisa imali kwabathengi kanye nomuzwa ongemuhle wabathengi eminyakeni yamuva nje kwengeza izingcindezi. Abathengi sebeqapha kakhulu, njengoba izimpahla nezinsiza ezibalulekile njengezindlu, ukudla namandla athatha ingxenye enkulu yesabelomali sasekhaya. Lolu shintsho lusho ukuthi amabhizinisi emikhakheni efana nokuthengisa ngokukhetha kanye nokwamukela izihambi asengozini kakhulu. Izinkampani ezingakwazi ukuzivumelanisa nokushintsha okuthandwayo kwabathengi noma ukugcina izilinganiso zenzuzo phakathi nokwehliswa kwesaphulelo kungase kube nzima ukuhlala zisebenza.

Isibonelo, ngoFebhuwari 2023, umdayisi wengqephu u-Alice McCall wangenela ukuvalwa kwezimali, egqamisa ubungozi bezezimali amabhizinisi abhekene nawo ancike ekusetshenzisweni kwemali ngokubona kwakhe. Lo mkhiqizo uhlaselwe ukuncipha kwezindleko zabathengi kwezemfashini nezembatho, isimo esenziwe saba sibi kakhulu ngenxa yezinselelo eziqhubekayo zomnotho kanye nokwehluleka ukusimama ekuwohlokeni okubangelwe ubhubhane lwe-COVID-19. Njengoba izikweletu zingaphezu kwezigidi ezingu-1.0 zamaRandi, isimo sika-Alice McCall sigcizelela ukuhlobana okukhulayo phakathi kokwehluleka kwebhizinisi kanye nokungakhokhi kwe-B2B okuzenzakalelayo, okufinyelele emazingeni angakaze abonwe ngokukhuphuka okumangalisayo okungu-68.1% onyakeni odlule.

Amabhizinisi nawo abhekene “nenkinga yezindleko zokwenziwa kwebhizinisi” kanye nezinselelo zezindleko zokuphila. Ukwenyuka kwezindleko zokufakwayo ngenxa yokwehla kwamandla emali, izingcindezi zamaholo eziphakeme emakethe yezemisebenzi eqinile kanye nezindleko ezikhulayo zamandla nezokuthutha kunciphisa inzuzo. Emabhizinisini amaningi, ikakhulukazi amabhizinisi amancane naphakathi nendawo, lezi zindleko ezikhuphukayo zidlula ikhono lawo lokunyusa amanani, okuholela ezinkingeni ze-liquidity. Lezi zici zinomthelela ekwenyukeni kokuzenzakalelayo kwezinkokhelo ze-B2B. Izingcindezi ze-Cashflow zenza kube nzima ukuthi amabhizinisi ahlangabezane nezibopho zawo zokukhokha, okudala ubungozi bomphumela we-domino ngamaketango wokuhlinzeka njengoba ukwehluleka kwebhizinisi kukhula.

Ukubhekana nalezi zinselelo ezikhulayo kubalulekile ukuze kugcinwe uzinzo kwezomnotho. Ukungazinaki lezi zinkinga kungaholela emiphumeleni ephawulekayo yezezimali kuwo wonke amaketanga okuhlinzeka futhi kuvimbele ukusimama komnotho wase-Australia kanye namandla okukhula enkathini yangemva kobhubhane. Ukuze abhekane nalezi zikhathi ezineziyaluyalu, amabhizinisi kufanele asebenzise amasu aqinile okuphatha izimali, athuthukise izindlela zawo zokulawula ubungozi futhi aqinise ubudlelwano bababambe iqhaza ukuze kuncishiswe izinsongo nokuqinisekisa ukusimama komnotho wesikhathi eside.

Imikhakha edonsa kanzima ekugqanyisweni

Izinkonzo zokudla neziphuzo

Eminyakeni embalwa edlule, amabhizinisi amaningi abhekane nezinselelo zokuphila e-Australia, izimboni ezithile ezithwele kanzima kulobu bunzima. Imboni yezokudla neziphuzo, ikakhulukazi, ibone ukukhuphuka kwamanani ezikweletu phakathi nonyaka kuya ku-Okthoba.

Izindawo zokudlela nezindawo zokudlela zamathilomu zibhekene nezindleko zokusebenza ezikhuphukayo kanye nokunciphisa ukusetshenziswa kwemali kwabathengi, okuqhutshwa inkinga ebanzi yezindleko zokuphila eyenza abathengi baqinise amabhande abo. Lokhu kucindezeleka kwezezimali kubhebhethekiswa nakakhulu imizamo enonya ye-Australian Taxation Office yokufuna kabusha izikweletu zentela, ezithinta ngendlela engafanele amabhizinisi amancane kulo mkhakha.

Imisebenzi yobuciko nezokungcebeleka

Umkhakha wezinsizakalo zezobuciko nezokungcebeleka usesikebheni esifanayo, lapho ukuzethemba okungekuhle kwabathengi kanye nokukhuphuka kwezindleko kube nomthelela emazingeni aphezulu okungabi nazimali. Inkinga yezindleko zokuphila iphoqe abathengi ukuthi banciphise ukusetshenziswa kwemali ngokubona kwezokuzijabulisa, imicimbi yamasiko kanye nezokungcebeleka, balinganise imali engenayo kulawa mabhizinisi. Lesi sidingo esincishisiwe siphinde sikhinyabeze izindleko ezifana nezinsiza, umshwalense, irenti kanye nesidingo sokuthobela imithetho yezempilo nezokuphepha, ebekela inselele ukuzinza kwezezimali kwamafemu kulo mkhakha.

Ikakhulukazi, amafemu ezemidlalo nezokungcebeleka abhekene nezindleko eziphakeme zokunakekela izikhungo nemishini, okuhlanganiswe nokuncipha kokubamba iqhaza kwamavolontiya okunezela emthwalweni wezezimali. Amafemu amancane nezinhlangano ezingenzi nzuzo zisengcupheni ikakhulukazi, zidonsa kanzima ngezimali ezigciniwe ezilinganiselwe kanye nokufinyelela okulinganiselwe emalini. Lezi zinto zihlangene zikhulisa ubungozi bokungabi nazikweleti kuwo wonke umkhakha, kubeka lawa mabhizinisi esimweni esibucayi somnotho.

Ezolimo, ezamahlathi nokudoba

Amandla emvelo kanye nezimakethe adala isimo sezezimali esibucayi emkhakheni wezolimo, ezamahlathi kanye nokudoba. Umthelela ophazamisayo wokushintsha kwesimo sezulu, ngenxa yezehlakalo zezulu ezimbi kakhulu njengesomiso, izikhukhula nemililo yehlathi, ukhinyabeze kakhulu isivuno futhi wathinta impilo yemfuyo. Amanani ezinto ezishintshayo emhlabeni jikelele kanye nokungaqiniseki kwezohwebo kuqinise lezi zinselele futhi kwacekela phansi ukuzinza kwezezimali. Amabhizinisi kulo mkhakha nawo abhekene nezindleko zokusebenza ezikhulayo kanye nokushoda kwezisebenzi, konke okudinga amasu aqinile okugcina inzuzo ngaphansi kwezimo eziyinselele eziqhubekayo.

Ukunakekelwa kwezempilo nosizo lwezenhlalakahle

Naphezu kwenani labashodayo elisele liphansi uma kuqhathaniswa, inani lamabhizinisi emkhakheni wezokunakekelwa kwempilo kanye nosizo lwezenhlalakahle aqokwe umlawuli wangaphandle noma isilawuli lenyuke ngo-81.6% phakathi nezinyanga eziyishumi nambili ngo-Okthoba 2024. Lo mkhakha uthwale kanzima ngenxa yengcindezi yokusebenza, ikakhulukazi ukushoda okukhulu kwabasebenzi kanye nezidingo eziqinile zokulawula. Abahlinzeki abancane babhekene nokuncintisana okukhulu okuvela kumafemu amakhulu ahlomula ezomnotho wezinga, okwenza kube nzima ukuvikela uxhaso oludingekayo lokuhambisana nokutshalwa kwezimali kobuchwepheshe. Ngalesi sizathu, ukugcina ukusebenza kahle kwezimali kubangela inselele enkulu kumabhizinisi akulo mkhakha.

Ukwakhiwa

Ngokuphawulekayo, nakuba uphiko lwezoKwakha lungazange lube phakathi kwemikhakha enezinga eliphezulu lokufeyila onyakeni odlule, luhlangabezane nenani elikhulu kakhulu lokungabibikho kwebhizinisi ngo-2024-25 kuze kube manje, okubonisa izinselele zemboni ezihlukile. Ukushintshashintsha kwezinga lenzalo kube nomthelela omkhulu ekwenyukeni kwezinga lokungakhokhi. Amanani aphezulu akhuphula izindleko zokuboleka, akhuphule izindleko zephrojekthi futhi acekele phansi amaphethelo enzuzo, ikakhulukazi ezinkontilekeni zamanani angaguquki. Amazinga anyukile emali ebolekiwe aphinde alinganisela isidingo sabathengi sokwakhiwa kwezindawo zokuhlala ezintsha njengoba okungenzeka abathengi bephuza ukuthenga, kunciphisa inani lamaphrojekthi atholakalayo futhi kube nomthelela emalini engenayo yabakhi nosonkontileka.

Ngenxa yokuxhaswa ngezimali okumba eqolo, izinkampani zivame ukwehlisela emuva ekutshalweni kwezimali zokwakha ezentengiselwano, okuholela kumaphrojekthi ambalwa futhi kwandise ukuncintisana phakathi kwamafemu. Lezi zingcindezi zezimali zidala izinselelo zokuphuma kwemali, zibukela phansi inzuzo yezinkampani zokwakha. Abaningi babhekene nokushoda ngezimali ezigciniwe ezilinganiselwe phakathi kwezindleko eziphakeme, futhi ukuzwela kwesilinganiso senzalo kuhlala kuyisici esibalulekile enkambweni eqhubekayo yokushoda.

Izinsizakalo zobungcweti, ezesayensi nezobuchwepheshe

Ukwehliswa kokusetshenziswa kwemali kwamakhasimende phakathi nokungaqiniseki kwezomnotho kushaye kakhulu umkhakha wezinsizakalo zezobuchwepheshe, zesayensi nezobuchwepheshe, okuholele ekunyukeni kwamaphesenti angama-69.5 abantu abangenazintela phakathi nonyaka kuze kube ngu-Okthoba 2024. Izinkinga zokuphuma kwemali ezibhekene nezinkokhelo ezibambezelekile zihlanganisa umshikashika wokuhambisana nentuthuko esheshayo yezobuchwepheshe njengokuzenzakalela kanye nobuhlakani bokwenziwa. Ngaphezu kwalokho, ukuncintisana okukhulu kanye nezingcindezi zokuhwebelana kwembulunga yonke kuveza lezi zinkampani kubaqhudelani baphesheya kwezilwandle ezihlinzeka ngezinsizakalo ezifanayo ngamanani ancishisiwe, konke okusongela inzuzo kanye nokudinga ukuzivumelanisa nezimo ukuze kuqinisekiswe ukusinda.

Kuyo yonke le mikhakha, inhlanganisela yezingcindezi zomnotho, izinselele zokulawula kanye nokushintshashintsha kwezimakethe kugcizelela isidingo sokuthi amabhizinisi asebenzise amasu okuzivumelanisa nezimo ukuze azulazule ngempumelelo ezinkingeni zezomnotho zanamuhla.

Amabhizinisi angayinciphisa kanjani ingozi yokwehluleka?

• Qinisa ukuphathwa kwezimali: Lokhu kuhlanganisa ukusebenzisa izinqubo ezinemininingwane yebhajethi, ukugcina izimali ezigciniwe ezimeni eziphuthumayo nokuphatha izikweletu ngokuhlakanipha ukuze kugwenywe ukusebenzisa imali ngokweqile. Imithombo yoxhaso ehlukahlukene, njengokuhlola ukutshalwa kwezimali ngokulingana nokunye ukuxhasa ngezimali, kunciphisa ukuthembela kunoma iyiphi indlela eyodwa yoxhaso, kukhulisa ukuqina ngokumelene nokuguquguquka kwezomnotho.
• Bheka ukuhlukanisa imikhiqizo, izinsizakalo nezimakethe: Ngokwandisa ukunikezwa kwemikhiqizo nesevisi kanye nokungena ezimakethe ezintsha ukuze kwehliswe ukuncika emthonjeni owodwa wemali engenayo, amabhizinisi angaheha izisekelo zamakhasimende ezibanzi futhi anciphise ubungozi obuhambisana nokuntengantenga kwezimakethe. Ukuzivumelanisa nezimo zemboni kanye nokushintsha okuthandwayo kwabathengi kusiza izinkampani ukuthi zihlale zincintisana.
• Qinisekisa ubudlelwano obuqinile nababambe iqhaza: Isevisi yamakhasimende evelele kanye nokusebenzisana kwabahlinzeki kunciphisa ubungozi bokusebenza, kuyilapho imifelandawonye yamasu ingavula izimakethe ezintsha. Ukutshala imali ekuzibandakanyeni kwabasebenzi ngokuqeqeshwa kanye nendawo yokusebenza esekelayo kuthuthukisa ukukhiqiza nokugcina.
• Thuthukisa ukulawulwa kobungozi kanye nokuhlelwa kwezimo eziphuthumayo: Izinhlaka eziqinile zokulawula ubungozi zisiza ukukhomba nokunciphisa izinsongo ezingaba khona. Ukuhlola ubungozi okuvamile, imizamo yokunciphisa ebekwe eqhulwini kanye nezinhlelo zezimo eziphuthumayo zezingozi ezibalulekile kulungiselela amabhizinisi izehlakalo ezimbi. Ukufakwa komshwalense okufanelekile nokuhlala unolwazi mayelana nezinguquko zokulawula kuvikela ekulahlekelweni futhi kuqinisekise ukuthotshelwa komthetho.

Imiphumela ye-ripple yokwehluleka kwebhizinisi kanye nezinkokhelo ze-B2B ezizenzakalelayo kumaketango wokuhlinzeka

Imithelela yokwehluleka kwebhizinisi kanye nokuzenzakalelayo kokukhokha kwe-B2B kungadlulela ngalé kwezinhlangothi eziseduze ezihilelekile, kudale uchungechunge lwezinselelo zezimali kulo lonke uchungechunge lokuhlinzeka. Kusemqoka ukuthi ababambiqhaza baqonde lezi zinguquko ezixhumene njengoba bezulazula esimweni sezezimali esintengantengayo futhi befuna amasu okunciphisa le mithelela esabalele.

Amabhange nezikhungo zezezimali

Igagasi lokwehluleka kwebhizinisi kanye nokungakhokhi kahle kwe-B2B kubangela izinselelo ezinkulu emabhange nasezikhungweni zezimali. Njengoba amabhizinisi amaningi entengantenga, ukubolekwa kwemali kuyakhula, nemikhakha efana nezinsizakalo zokudla neziphuzo ezihlangabezana namazinga aphezulu okuhluleka ukukhokhela izikweleti. Lokhu kudala ubungozi bezikweletu obuphakeme, okungase kudingeke ukuthi kuhlolwe kabusha amaphrofayili engcuphe kanye nezinqubo zokuboleka eziqinile. Lokhu kusabela kungenza kube yinselele ngisho nakumabhizinisi azinzile ngokwezimali ukuthi athole uxhaso aludingayo, kubambezeleke umnotho.

Ukuhambisana nezidingo zokwanela kwezimali zezimali kuqhubezela phambili kuphakamisa izindleko zokusebenza, kube nomthelela ekusebenzeni kwamabhange kanye namandla okubolekisa. Ukuphatha i-liquidity kuya kuba nzima njengoba ukuncipha kwemali engenayo evela ekukhokhweni kwemali mboleko kuqinisa ingcindezi yokuthi kugcinwe uzinzo kwezezimali. Amabhange achayeka kakhulu emikhakheni esengozini abhekene nezingozi zokugxilisa ingqondo eziphakeme, ezingase zinqande ukutholakala kwezikweletu kanye nokusongela ukuzinza okubanzi kwezezimali.

Abahlinzeki nabakhiqizi

Ukungaphumeleli kwebhizinisi kubathinta kakhulu abahlinzeki nabakhiqizi, okuncike ezinkokhelweni ezifika ngesikhathi ukuze kugcinwe ukuhamba kwemali nokusebenza. Uma iklayenti lihluleka ukwenza iphutha, abahlinzeki babhekana nobunzima bezezimali ngokushesha obuvela kuma-invoyisi abambezelekile noma angalungiswanga, okuphazamisa ukukhokha kwawo kwezezimali. Lokhu kungazinzi kungakhinyabeza ikhono labo lokukhokha izibopho, njengokukhokha abahlinzeki babo noma ukukhokhela izindleko zokusebenza. Isimo sinzima kakhulu kubahlinzeki abathembele kakhulu ebhizinisini elihlulekayo, njengoba kungase kudingeke bathole izimakethe ezintsha noma banciphise ukukhiqizwa, kokubili okunganyusa izindleko zokusebenza.

Isibonelo, ngoSepthemba 2024, i-Beston Global Food Company Ltd yangenela ukuphatha ngokuzithandela, okuthinta uhla olubanzi lwabahlinzeki. Abalimi bobisi, ababengabahlinzeki bobisi abakhulu bakaBeston, manje sebebhekene nokungaqini kahle kwezimali.

Distributors

Njengoba bephakathi kwabahlinzeki nabathengisi, abasabalalisi babhekana nezingcindezi ezinkulu ngenxa yokungakhokhi kahle. Imikhawulo ye-Cashflow ivela lapho abathengisi behluleka ukukhokha, okuholela ebunzimeni ekugcwaliseni izibopho zabo kubahlinzeki. Lokhu kungadala umphumela we-domino wokulibaziseka kwenkokhelo kulo lonke uchungechunge lokuhlinzeka. Ubunzima bezezimali buphinde bube nzima ukuphathwa kwempahla, njengoba ukugcinwa kwamazinga aphezulu esitokwe kuba nzima kakhulu.

Bebhekene nalezi zinselelo, abasabalalisi bangase badinge ukunciphisa uhlu lwabo lwempahla, okuholela ekushodeni okungaba khona kanye nokulahlekelwa kwamathuba okuthengisa. Ukuze kuncishiswe ubungozi bezikweletu, abasabalalisi bangase baqinise imigomo yesikweletu kubathengisi, okungase kuphazamise ubudlelwano bebhizinisi futhi kunciphise amanani okuthengisa. Ngokusebenza, abasabalalisi kufanele banciphise abasebenzi noma behlisele emuva imisebenzi, bavimbele amandla abo okusebenzela abathengisi abasezingeni eliphansi.

NgoFebhuwari 2023, i-Scott's Refrigerated Logistics yawa, kwaphazamisa ukuthengwa kwezitolo ezinkulu, kwathinta abahlinzeki kanye nokusatshalaliswa kwezimpahla ezibolayo ezweni lonke. Lokhu kwashiya abakhiqizi bobisi kanye nabalimi bezabalaza ukuthola imikhiqizo yabo emakethe kanye nokusimamisa isimo sabo sezezimali.

Abadayisi

Ubunzima abahlinzeki nabasabalalisi ababhekana nabo ngokuvamile budlulela kubathengisi. Lapho izinkokhelo ezizenzakalelayo nokwehluleka kwebhizinisi kubangela ukuntengantenga kwezimali kumafemu akhuphukayo, njengabasabalalisi, abathengisi bavame ukusala bebhekene nokubambezeleka kokulethwa kwemikhiqizo kanye nezidingo zokukhokha kusengaphambili, okubeka ubunzima ezinsizeni zabo zezezimali.

Lokhu kuphazamiseka kubangela ukushoda kwempahla, okushiya abathengisi benamashalofu angenalutho, ukuthengiswa okulahlekile namakhasimende anganelisekile. Ukuze kuncishiswe lokhu kuntuleka, abathengisi bangase badinge ukuphendukela kwabanye abahlinzeki-mpahla, ngokuvamile okuholela ezindlekweni eziphakeme ezicekela phansi umkhawulo wabo wenzuzo. Ngaphezu kwalokho, amaketanga okunikezwayo aphazamisekile angaphoqa abathengisi ukuthi babambe i-inventory eyengeziwe yezinto ezingadumile kangako, baqhubekisele phambili izindleko zokugcina futhi kudingeke ukuthi kubekwe phansi.

Isibonelo, phakathi nalolu bhubhane, ukuphazamiseka kwe-supply chain kuholele ekwandeni kwempahla kubathengisi abanjengoMyer noDavid Jones. Ukuze babhekane nale nsalela nesitoko seshift, basebenzise amasu okwehlisa isaphulelo.

abathengi

Amaketanga okuhlinzeka aphazamisekile angaholela ekushodeleni komkhiqizo kanye nezikhathi zokulinda isikhathi eside ezintweni ezithile, okwenza kube inselele kubathengi ukuthola abakudingayo lapho bekudinga. Njengoba amabhizinisi ezulazula ezingcindezini zezezimali, angase anyuse amanani ezinhlotsheni ezihlukahlukene, aqhubeke ecindezela isabelomali sasekhaya.

Ukuntengantenga komnotho, okuhambisana nokwehluleka kwebhizinisi, kungaqeda ukuzethemba kwabathengi, okuholela emikhubeni yokuqapha yokusebenzisa imali. Ekuphenduleni, abathengi bashintsha izintandokazi zabo zokuthenga baye kubathengisi besaphulelo noma izinkundla ze-inthanethi, befuna amadili angcono nabahlinzeki abathembekile.

Amafemu angayiphatha kanjani imiphumela edabukisayo yokwehluleka kwebhizinisi kanye nokuzenzakalelayo kokukhokha kwe-B2B?

• Thuthukisa ukuhlolwa kwengozi yekhredithi: Amafemu, okuhlanganisa amabhange, abahlinzeki kanye nabasabalalisi, angathuthukisa ikhono lawo lokuphatha okuzenzakalelayo kokukhokha ngokwamukela ukuhlaziya idatha okuthuthukisiwe kanye nokubikezela ubungozi bokumodela. Le ndlela ibavumela ukuthi bacubungule ukufaneleka kwamakhasimende abo ngokufanelekela isikweleti, okuvumela ukungenelela okufika ngesikhathi esimeni esilindelekile sokwehluleka ukukhokha. Ukuhlola njalo impilo yezezimali yamakhasimende kanye nalawo angase abe khona futhi kuqinisekisa ukuthi isikweletu sinwetshwa ngokuqapha, kunciphisa amathuba okuba nokwenzeka kokungakhokhi esikhathini esizayo.
• Hlukanisa isisekelo samakhasimende nabahlinzeki: Ukusebenzelana nohlu olubanzi lwamakhasimende nabahlinzeki bempahla kunciphisa ukuncika kunoma yiliphi ibhizinisi elilodwa. Ngokusabalalisa ubungozi kumafemu ambalwa, izinkampani zingakhawulela imiphumela yezinkinga zezezimali kunoma iyiphi inhlangano eyodwa, zigcine ukugeleza kwemali okuzinzile. Ngokunweba le ndlela, amabhange angakwazi ukuhlukanisa ukunikezwa kwemikhiqizo yawo yezezimali, okubasiza ukuwavikela ekwehleni emikhakheni ethile.
• Xoxisana ngemibandela yenkontileka evikelekile: Ukufaka izivikelo eziqinile zenkontileka ezifana nezinkokhelo zangaphambi kwesikhathi, amabhondi okusebenza nezincwadi zesikweletu kungavikela ukuthengiselana kwezezimali futhi kuvikele amabhizinisi ezintweni ezingase zibe khona ezizenzakalelayo. Ngokuqinisekisa inkokhelo ethile kusengaphambili noma ngokuqinisekisa izimali ngebhange, izinkampani zinganciphisa ubungozi obuhlobene nezinkokhelo ezibambezelekile noma ezigejiwe.
• Gcina i-liquidity: Ukuphathwa kwezimali okusebenzayo kuyisihluthulelo sokusekela ukuqhubeka kwebhizinisi. Ukwenza lula ukufinyelela ezinsizeni zezikweletu eziguquguqukayo ezifana nezinsiza zezikweletu ezijikelezayo noma ukubolekwa kwemali ngokweqile kungasiza amabhizinisi ukuphatha ukuguquguquka ngokushelela. Lokhu kusekelwa kwamasu kusiza ekugcineni uzinzo ekusebenzeni ngesikhathi sokwehla.

Yini okulandelayo?

Uma ubheka phambili, i-Australia ihlelelwe amashifu ezomnotho angaba nomthelela ekukhokheleni okuzenzakalelayo kwe-B2B kanye nokwehluleka kwebhizinisi. Njengoba ingcindezi eqhubekayo yokwehla kwamandla emali iqhubeka nokudamba esikhathini esifushane, iBhange Lombuso lase-Australia kulindeleke ukuthi lehlise izinga lemali ekuqaleni kuka-2025. Izindleko ezincishisiwe zokuboleka zizodambisa imithwalo yezezimali kumabhizinisi anezikweletu ezikhona futhi kukhuthaze ukutshalwa kwezimali ezinhlelweni zokukhula. Ukufinyelela okuthuthukisiwe kwesikweletu esithengekayo kuzothuthukisa i-liquidity, kuvumele amabhizinisi ukuthi aphathe izindleko zokusebenza kanye nezinkokhelo ze-B2B ngempumelelo kakhudlwana. Noma kunjalo, kuzothatha ukwehla kwenani lemali okuningana ukuze amabhizinisi ezwe umphumela ogcwele.

Izilinganiso zenzalo ezincishisiwe kanye nezinkokhelo zezindlu ezincishisiwe eminyakeni embalwa ezayo zilungele ukukhulisa ukuzethemba kwabathengi nokusebenzisa imali emikhiqizweni namasevisi okuzikhethela. Lokhu kuthambekela kuzozuzisa amabhizinisi, kuthuthukise amandla awo okuhlangabezana nezindleko futhi kunciphise ukungakhokhi kahle.

Naphezu kombono omuhle ngokuqhathaniswa, izinselele eziningana zisekhona. Ukungaqiniseki komhlaba wonke okufana nokungezwani kwezepolitiki kanye nokuphazamiseka kwezohwebo kunamandla okulinganisa izimboni ezincike ekuthumeleni kwamanye amazwe, okuholela ekukhokheleni okungahle kwenzeke. Uguquko oluya emnothweni wekhabhoni ephansi luzoqhubeka ludinga ukutshalwa kwezimali, luthinte ukuhamba kwemali futhi ngokunokwenzeka lukhulise ukwehluleka kwezinkokhelo ze-B2B uma lungaqaliswanga ngempumelelo. Ngaphezu kwalokho, imizamo enonya yeHhovisi Lentela lase-Australia yokubuyisela izikweletu zentela ingase ibe nengcindezi emabhizinisini anenkinga yemali. Ukubeka phambili izinkokhelo zentela ngaphezu kwama-invoyisi abahlinzeki kungase kube nomthelela ekwenyukeni kwezinkokhelo ze-B2B ngokuzenzakalelayo.

Imaphi amasu ochwepheshe bezezimali abangawathatha ukuze bathuthukise ukuqina nokuzilungiselela ngamathrendi ezomnotho asafufusa?

• Ukukhuthaza ukuhlelwa kwezimali kwamasu: Ukukhuthaza amabhizinisi ukuthi azibandakanye ezinhlelweni zezezimali kuzosiza ukuzulazula ngempumelelo izimo zezomnotho ezithuthukayo. Lokhu kuhlanganisa ukubuyekeza njalo nokulungisa amasu ezezimali ukuze kubonakale izinguquko emazingeni enzalo, ukwehla kwamandla emali namaphethini okusebenzisa kwabathengi. Ngokugcina ukuguquguquka nokuvumelana nezimo ekuhleleni, amafemu angazuza emathubeni avelayo futhi anciphise ubungozi obuhambisana nokushintsha kwezomnotho.
• Khulisa ukuqanjwa kabusha kwezobuchwepheshe: Amafemu kufanele abeke eqhulwini ukwamukela izinkundla zokukhokha zedijithali kanye ne-leveraging automation kanye nobuchwepheshe be-blockchain. Lawa mathuluzi angenza kube lula ukuthengiselana kwezezimali, athuthukise ukubonakala futhi athuthukise ukusebenza kahle kwezimali. Lokhu kwamukelwa kusiza ukuthengiselana okusheshayo, okuvikeleke kakhulu, kunciphisa izikhathi zokucubungula futhi kunciphisa amaphutha.
• Thuthukisa izinqubo zokulawula ubungozi: Ukubhekana nokungaqiniseki kwezomnotho okungaba khona, ochwepheshe kufanele bathuthukise izinhlaka zabo zokulawula ubungozi. Lokhu kuhlanganisa ukuhlolwa kwengcindezi okuvamile kanye nokuhlaziya isimo ukuze kuqondwe umthelela izimo zomnotho ezihlukahlukene ezingaba nawo ekuzinzeni kwezezimali. Ngokuhlonza ubuthakathaka obungase bube khona nokusebenzisa amasu okunciphisa asebenzayo, amafemu angakwazi ukumelana kangcono nokushaqeka kwangaphandle.
• Qinisa ukuphathwa kwemali engenayo: Ukugeleza kwemali ngendlela efanele kanye nokuphathwa kwemali yokusebenza kubalulekile ekuqinisekiseni ukuzinza kwezezimali. Ochwepheshe bezezimali kufanele bagxile ekuthuthukiseni ama-akhawunti atholwayo nezinqubo ezikhokhwayo ukuze kuthuthukiswe ukutholakala kwezimali. Lokhu kungabandakanya ukuphinda kuxoxisane ngemibandela yokukhokha nabahlinzeki namakhasimende, ukuthuthukisa ukuphathwa kwempahla nokusebenzisa amasu aguquguqukayo okubikezela imali ukuze kuqinisekiswe ukutholakala kwezimali okwanele kwezidingo zokusebenza nezibopho zezimali.

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