EN ES FR HE IT NL PL UA BY PT DE Financial uravlenie and management in business es fr it nl pl by ua pt de en
sections
  • monthly bills of profits and losses (estimates)
  • Forecasting of movement of a cash
  • the Forecast of movement of a cash
  • Forecasting of balance reports
  • the Financial information for monitoring and monitoring systems
  • Information systems of management
  • Information requirements for the small-scale business enterprises
  • the Data recording: account books and other initial documents
  • book keeping System on a method of double record: full system
  • Monitoring systems and monitoring procedures
  • Control devices of the balance report
  • financing Sources
  • Types and sources of financial assets
  • Financing of the basic means
  • Granting of the credit by suppliers
  • Grants
  • Criteria of investments into small enterprises
    • Types and sources of financial assets. A bank choice

    you are: Types and sources of financial assets

    Than more difficult structure of the financial market, the choice of suitable bank, especially bank manager which defends interests of your enterprise is especially important. On search of such expert time is required. The first question: what bank to choose. The basic clearing banks (the banks entering into national system of mutual offset of payments under checks) give a wide range of services, and they, probably, most of all approach for small enterprises. Smaller banks give loans at bolshej to risk degree (it is one of the reasons of their competitiveness), but on less favourable conditions. The majority of banks compete, trying to find new clients, and the owner of well organised and well prepared small enterprise has perfect chances of favourable conditions.

    At opening of the new bank account (or carrying over of the existing bill) it is necessary to "look round, study (Available offers as there are borders in which it is possible to agree about bank [the commissions (many banks are ready to give free conducting the bill in the first year) and interest rates (if you can present maintenance or personal guarantees can count on essential privileges). At the reference in bank with well prepared business plan and satisfactory reputation of the enterprise it is possible to convince the bank manager to be satisfied only personal guarantees. If to prove profitableness of the enterprise and stability of communications with bank, it is possible to agree also about the percent rate on overdraftu.

    The Choice of certain bank branch depends on a kind of activity of the enterprise and its site. Branches of the central banks of the country mainly open personal and trading bills while branches of banks around an industrial zone have personal and industrial bills. Thus, the potential client should define, what type of commercial bills serves the given bank. The certain bank branch can have an operational experience only with concrete kinds of the enterprises, therefore the experience saved up by it can quite approach your enterprise.

    Sushchestven also a choice of bank branch. Small branches usually have one or two agents who can not have the means necessary to you for granting of loans. Absolutely small enterprise sometimes it is required to which only small overdraft, can accept local small branch. For larger bank bills the big branches where, undoubtedly, corresponding experience is saved up are recommended.

    And, at last, last criterion - experience and personal features of the concrete banker. Personal contact factors appreciably define relations with bank that influences made decisions. Therefore At conversation with bank managers it is necessary to initiate their interest to your enterprise and to you personally, and also desire to develop mutual relation. Relations with bank are under construction on reciprocity, and it is necessary to be ready to waste time on an establishment of mutual relations with the bank manager. It is not obligatory to invite him to have dinner every week, but regularly to inform bank on development and prospects of your enterprise it is necessary. Regular phone calls in bank (for example, once a quarter) will yield the fruits, when urgent financial support unexpectedly is required to you to take benefits from the given possibilities.