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Cash shedding is the lifeblood that any companies grow continuously, what company cash is on the move is smooth was opposite of the enterprise live to having major effect with development, of any link not free or block sluggish, can bring serious economic consequence to the enterprise, light cause an enterprise to produce hot water of person of management activity defect, cause crisis of company finance affairs again, cause enterprise defect person to go bankrupt liquidation, menace reachs an industry live.
Here the cash that we see an enterprise may exist from the complete delivery process of enterprise of a type of production flows breach period. Cash breach model sees figure below:
From on can see in the graph, the cash of enterprise of type of production flows breach period to arrive after paying raw material the money from the enterprise maturity of receivable Zhang fund stops, this period of time divides composition by 3:
(1) deals with Zhang money cycle,
(2) produces treatment and inventory cycle,
(Money of 3) receivable Zhang is periodic.
Of the enterprise daily moving is need cost, breach period flows in cash in, the enterprise is facing the problem with inadequate circulating fund, at that time the enterprise needs to obtain circulating fund complement through all sorts of financing ways, for this enterprise need pays additional price, for instance accrual.
Can see from inside model of cash shedding breach, reduce cash breach period can produce treatment and inventory cycle through cut product, lengthen an enterprise to deal with Zhang to teach cycle and shorten cycle of receivable Zhang money will come true. Regretful is compare with large company posture, is medium and small businesses in shorten does cash flow breach period respect to be in inferior position: apparently? Cough of the sliding weight of a steelyard of Fei of grave of archives of Bei ψ ㄒ goes straight towards apricot of of the sunken ソ that write down fan to? of Fei of protruding of level ground of Piao of sprain of Biao of travel У Mu is lacked and supply the actual strength that business negotiates.
Because external economy environment reachs limitation of oneself credence ability, cannot obtain needs productivity resource with low cost in that way like large company, also cannot obtain very advantageous to oneself sale and; of settle accounts means discussing a sale with client face passive position often also is in when teaching.
Additionally medium and small businesses is in growing phase generally, the amplitude of capital requirement accumulates fruit speed toward what exceed own reserves, because this cash flows breach phenomenon,often compare large company more serious. However, medium and small businesses is having congenital inadequacy again in outside financing respect.
Medium and small businesses cannot go to capital market in that way like large company financing, north opens city way is gain the support of the bank and obtain a day to get loan of short-term circulating fund. But to medium and small businesses, get a bank to award a letter to be put in very great difficulty.
Because medium and small businesses often lacks credit record, what at the same time the bank carries out is to pay attention to gage one-sidedly to be short of only, and the enough gage that medium and small businesses asks without contented bank commonly, lack management of the risk after borrowing, when the predicament of breach of cash of the person that the enterprise is faced with, lack what effective tradition acquires a bank very hard so to borrow huge to company generation attraction again.
Maintain one of dominant positions of manage business, when all financing method, protect manage to be able to be offerred to manage dovish client need not the financing of gage serves, reach to the client in all of buyer giving a letter basically is bank tradition the pure credence on the meaning sends a letter.
Use the business that maintain put in order, medium and small businesses is OK transfer forms as a result of tick receivable Zhang money conditionally to the business that maintain put in order, borrow this to reclaim first partial Zhang money (normally not the 80% ) of invoice amount of prep above qualification, will make up for cash effectively to shed breach. Same, raw material phase is ordered in the enterprise, medium and small businesses can be the buyer that its become to maintain put in order through keeping manage business, gain more favourable term of sale, lengthen its to deal with Zhang money cycle, shorten then its cash flows breach period.
So, will simply look, commerce protects manage business to be able to handle Zhang money from what lengthen buyer company Zhang period or shorten the Zhang of receivable Zhang money of bargainor enterprise period this two respects begin.
It is of course in reality, it is enterprise of type of production not only, all trades and professions of consist in of receivable Zhang money and in each company operation. Promulgate according to Chinese people bank " impawn of receivable Zhang money registers way " explanation, receivable Zhang money is the right that the requirement debtor that points to obligee to be obtained because of offerring certain goods, service or establishment pays, include to show some and the monetary creditor's rights that did not come and the profit that its generate. Specific include the following right:
(1) sells the creditor's rights; of generation
(The creditor's rights; of 2) rental generation
(3) offers the creditor's rights; that serves generation
(4) highway, bridge, channel, crossing praedial collect fees authority;
(5) offers loan or the creditor's rights that other credence produces.
But, kind of banking service that the cession that because commerce protects manage business to regard as,from feature of financing of countervail sex trade the remarkable, commerce setting that is based on true stability issues creditor's rights of firm receivable Zhang money provides, when be like form of conditions or feelings of the lower levels, in principle does not grant bear do or careful do the relevant business that maintain put in order:
(1) contract or order have prohibit creditor's rights makes over those who limit a condition (buyer is written the except that agrees to make over) ;
(Each other of 2) buyers and sellers has trade, and the; that creditor's rights has cancel
(The case of invite public bidding of 3) project property, have the; of acceptance of batch
(4) one-time buying and selling trades or order odd; without sequel
(5) commodity trades the; that belongs to consignment property
(Buyers and sellers all is 6) middleman and all the; that without the hand real thing sheds
(7) buying and selling just belongs to parent subsidiary or affiliated enterprise.
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