Inkonzo yokugcinwa kweencwadi

Ushwankathelo

Ukugcinwa kweencwadi kukurekhodwa kwentengiselwano yezemali kwaye kuyinxalenye yenkqubo yocalulo-mali kwishishini. Intengiselwano ibandakanya ukuthenga, ukuthengisa, iirisithi, kunye neentlawulo zomntu ngamnye okanye umbutho / umbutho. Kukho iindlela ezininzi eziqhelekileyo zokugcina iincwadi, kubandakanya ukungena kunye nokungena kabini kwiinkqubo zokugcina iincwadi. Ngelixa oku kunokujongwa njengokugcina "okwenene", nayiphi na inkqubo yokurekhoda ukuthengiselana kwemali yinkqubo yokugcina iincwadi.

Ukugcinwa kweencwadi ngumsebenzi womgcini -ncwadi (okanye umgcini weencwadi), orekhoda ukuthengiswa kwemali kwansuku zonke kwishishini. Bahlala bebhala iincwadi zemihla ngemihla (eziqulathe iirekhodi zentengiso, izinto ezithengiweyo, iirisithi, kunye neentlawulo), kwaye babhale intengiselwano nganye yemali, nokuba ikheshi okanye ikhredithi, bayifaka kwincwadi yemihla ngemihla echanekileyo- oko kukuthi, incwadi yemali encinci, incwadi yabathengisi, ileja yomthengi, njl. .- kunye nencwadi yemoto jikelele. Emva koko, umgcini zincwadi-mali unokwenza iingxelo zemali ezivela kulwazi olubhalwe ngumgcini-ncwadi.

Ukugcinwa kweencwadi kubhekisa ikakhulu kwimiba yokugcina irekhodi yobalo-mali kwaye kubandakanya ukulungiselela amaxwebhu emithombo kuyo yonke imicimbi, imisebenzi, kunye neminye imicimbi yeshishini.

Umgcini-zincwadi uzisa iincwadi kwinqanaba lokulinganisela kwetyala: umcwangcisi-zimali unokulungisa ingxelo kunye nemali eseleyo esebenzisa ibhalansi yovavanyo kunye neeleja ezilungiselelwe ngumgcini-ncwadi.

One IBC ibonelela ngezezimali kunye nezezimali, kunye neenkonzo zokugcina iincwadi ngamaxabiso afanelekileyo. Abathengi abaninzi baxhamle kwinkonzo yethu yokugcina iincwadi. One IBC ngelixa isebenza njengefemu yobungcali enikezela ngeeNkonzo zokuGcina iiNcwadi, iqinisekisa ukuba iiakhawunti zakho zigcinwa kakuhle, ezigcina ixesha kwaye ngaloo ndlela zonyusa imveliso yeshishini lakho. Sinikezela ngeenkonzo ezingatshintshiyo nezigcweleyo ukuze ingqondo yakho ikhululeke ukwenza owona msebenzi wenkampani.

Izibonelelo zeenkonzo zokugcina iincwadi

Kukho umxholo apha esingakhange siwuxoxe kwaye kubalulekile ukuba senze njalo. Kungenxa yokuba ngelixa wonke umsebenzi ogqityiweyo wokugcinwa kwencwadi kubalulekile kwimpilo yezemali yeshishini lakho, sisiseko esisetyenzisiweyo esenza umahluko. Uyabona, iinkonzo zokugcina iincwadi zisebenza-kwaye zigcina-inkqubo engaguquguqukiyo yezemali eyomeleza impilo yenkampani yakho kwaye inceda ukuyila kunye nokukhuthaza ukufana ekulandeleleni, ekuhlawuleni nasekunikeni ingxelo. Ixabiso loku alinakulinganiswa nanto njengoko ligqiba ishishini lakho kwiingozi ezininzi ezibizayo neziyingozi.

Inxalenye yesibonelelo senkqubo iya kusebenza xa umgcini-ncwadi ehlawuliswa ngokupheleleyo edibanisa nabaphathi bamanye amasebe ukuze avume ukuthengwa kunye nokuqokelela iingxelo zeendleko. Lo msebenzi awufuni kuphela umbutho ogqithileyo, ulawulo kunye nezakhono zezibalo, kodwa umgcini-ncwadi kufuneka abe nezakhono kunye namava ukuze enze lo msebenzi. Iqela likwasebenza ukunciphisa iindleko zakho zizonke. Ayisiqinisekisi nje kuphela ukuba iincwadi zigcinwa ngokufanelekileyo ukunqanda umrhumo obiza imali eninzi, kunye nezohlwayo, kodwa zinokukwazisa ngokulahla kunye nolawulo gwenxa lwezixhobo kunye ne-inventri. Konke ngelixa ugcina ixesha kuba awusayi kuphinda uzame ukuzama ukwenza le misebenzi ngokwakho.

Alithandabuzeki elokuba inkqubo yogcino lweencwadi igcina ishishini lakho ixesha kunye nemali, kodwa iinkqubo kunye nokungaguquguquki okwenziwe ngumntu kunokunyusa ixesha elide kunye nokusebenza kakuhle kweshishini lakho, likwenze ube nenzuzo ngakumbi kumashumi eminyaka ezayo.

Inkonzo yethu kubandakanya

Iinkonzo	Ubume
Ukulungiswa kwengxelo yenzuzo kunye nelahleko kunye neemakhishithi
Ukugcwaliswa kweAkhawunti ngokubanzi
Ungqinelwano neBhanki
Iingxelo zokuhamba kwemali
Uhlalutyo lwezezimali lwenyanga, lwekota, lwamaxesha onyaka
IMigangatho yoCwangciso-mali (IFRS okanye iSwitzerland GAAP) IiNkonzo
Ukulungiswa kwengxelo yabalawuli

Izibonelelo zethu zokhuphiswano

Iinkonzo	Ubume
Iinkonzo zobungcali ezinezinga eliphantsi
Rekhoda intengiselwano ngokufanelekileyo
Khuphela lonke ulwazi lwezeMali
Lawula intlawulo yakho yomqeshwa
Bala iVAT yakho kunye neRhafu yokuBuyisa

Inkqubo yokugcina iincwadi

Inyathelo 1

Lungisa amaxwebhu emvelaphi kuyo yonke intengiselwano

Lungisa amaxwebhu emvelaphi kuyo yonke imicimbi, imisebenzi, kunye neminye imicimbi yeshishini; Amaxwebhu emithombo sisiqalo kwinkqubo yokugcina iincwadi.

Inyathelo 2

Chonga kwaye ufake amaxwebhu emithombo

Chonga kwaye ufake kumaxwebhu emvelaphi iimpembelelo zemali zentengiselwano kunye neminye imicimbi yeshishini.

Inyathelo 3

Yenza amangenelo oqobo eziphumo zezezimali

Yenza ungeniso lwantlandlolo lweziphumo zezemali kwiijenali nakwiakhawunti, kunye nezalathiso ezifanelekileyo kumaxwebhu emithombo.

Inyathelo 4

Yenza iinkqubo zokuphela kwexesha

Yenza iinkqubo zokuphela kwexesha-amanyathelo abalulekileyo okwenza ukuba iirekhodi zobalo zihlaziywe kwaye zilungele ukulungiswa kweengxelo zolawulo lweengxelo, ukubuyiswa kweerhafu kunye neengxelo zemali.

Inyathelo 5

Qulunqa ulungelelwaniso lolingo oluhlengahlengisiweyo

Qulunqa ibhalansi yovavanyo ehlengahlengisiweyo yomcwangcisi-mali, esisiseko sokulungiselela iingxelo, iingxelo zerhafu kunye neengxelo zemali.

Inyathelo 6

Vala iincwadi

Vala iincwadi-zisa ukugcinwa kweencwadi kunyaka-mali ophelileyo kuphela kwaye ulungiselele izinto ukuqala inkqubo yokugcina iincwadi kunyaka-mali ozayo.