Nanga amanye amaqhinga aqhelekileyo asetyenziswa “ziindwendwe” xa zifuna ukungawahlawuli amatyala azo.Xa ezi meko zisenzeka, nceda ulumke kwaye uthathe amanyathelo okhuseleko.
01Hlawula inxalenye yemali kuphela ngaphandle kwemvume yomthengisi
Nangona la maqela mabini ayethethene ngexabiso kusengaphambili, umthengi wayehlawula inxalenye yaloo mali kuphela, aze enze ngokungathi leyo yimali epheleleyo awayefanele ayihlawule.Bakholelwa ukuba umthengisi uya kuthi ekugqibeleni ayeke kwaye amkele "intlawulo epheleleyo".Eli licebo eliqhele ukusetyenziswa nguLao Lai.
02Ukubonisa ukuba ulahlekelwe ngumthengi omkhulu okanye ulinde umthengi ukuba ahlawule
Ikwalicebo eliqhelekileyo, elibanga ukuba ulahlekelwe ngumxhasi omkhulu kwaye ngenxa yoko akakwazanga ukuhlawula.Kukho iqhinga elifanayo: Abathengi bathi banokubhatala abathengisi kuphela ukuba abathengi babo bathenga iimpahla.Xa ukuhamba kwemali kuqinile, iLao Lai isoloko isebenzisa izizathu ezinjalo ukulibazisa iintlawulo.Nokuba ngaba balinde abathengi babo ukuba bahlawule, oku kunokuba yimeko eyingozi kubathengisi bangaphandle baseTshayina, kuba ukuba imali yomthengi ayizinzanga ngokwenene, ishishini labo alinakuhlala ixesha elide.Kungenjalo, umthengi unokuba nokuhamba kwemali okwaneleyo kwaye ufuna nje ukusebenzisa eli qhinga ukulibazisa intlawulo.
03 Isoyikiso sokungaphumeleli
Olu hlobo lobuqhetseba luhlala lusenzeka xa ixhegwazana lizibekela amangomso izinto kwaye siyabongoza.Bavame ukugxininisa ukuba umthengisi ugxininisa ekuhlawuleni, abanakukhetha ngaphandle kokungena kwi-bankrupt, ukubeka "akukho mali okanye akukho bomi".Abathengi bahlala besebenzisa eli qhinga lokulibaziseka, becela ababolekisi ukuba babe nomonde kwaye bazame ukweyisela abatyalwayo ukuba "ukunyanzelisa ukuhlawula ngoku kuya kunyanzela umthengi ukuba afake isicelo sokutshona."Ngenxa yoko, umthengisi akayi kufumana kuphela inxalenye encinci yentlawulo efunekayo ngokuhambelana nesisombululo senkqubo ye-bankruptcy, kodwa kuya kufuneka ukuba alinde ixesha elide.Ukuba umthengisi akafuni ukuhlukana nokudubula okukodwa, uya kuhlala ewela kwimeko ye-passive step by step.Ngokufanayo nale yangaphambili, isoyikiso sokutshona sinokubeka abarhwebi basekhaya abaphuma ngaphandle emngciphekweni.
04Thengisa inkampani
Enye yezona zinto zixhaphakileyo abathengi abazisebenzisayo sisithembiso sokuhlawula iintlawulo zabo ezingekahlawulwa ngokukhawuleza nje ukuba bafumane imali eyaneleyo yokuthengisa inkampani.Isicwangciso sitsalela kwinkolelo exhaswe yinkcubeko yaseTshayina yokuba ukuhlawula amatyala adlulileyo luxanduva lomnini wenkampani, kunye nokungaziwa kwabathumeli bangaphandle baseTshayina ngomthetho wenkampani yaphesheya.Ukuba umbolekisi uyasamkela esi sizathu ngaphandle kokufumana isiqinisekiso somntu wentlawulo kunye nesiginitsha yomntu otyalayo, kuya kuba kubi - umntu otyalwayo unokuthengisa inkampani "kwitransekshini ye-asethi kuphela" ngaphandle kokhuseleko, ngokusemthethweni Akukho sinyanzelo sokusebenzisa iphuma ekuthengisweni kwenkampani ukuhlawula amatyala adlulileyo.Phantsi kwegatya lokuthenga “i-asethi-kuphela”, umnini-nkampani omtsha uvele athenge izinto zenkampani yomntu otyalwayo kwaye akathatheli matyala akhe.Ke ngoko, abanyanzelekanga ngokusemthethweni ukuba bahlawule amatyala angaphambili enkampani.Kwiimarike zaphesheya kweelwandle, "i-asethi-kuphela kwentengiselwano" yindlela eqhelekileyo esetyenziswayo yokufumana ishishini.Ngelixa umthetho wokufumana “i-asethi kuphela” ngokungathandabuzekiyo uneenjongo ezintle, unokuphinda usetyenziswe ngabatyalayo ukubaleka ngabom amatyala.Oku kuvumela abatyalwayo ukuba bafumane imali eninzi kwiipokotho zabo kangangoko banako ngelixa besusa inkampani kunye namatyala enkampani.Phantse akunakwenzeka ukuba abatyalwayo bavelise ubungqina obubambekayo ngokwasemthethweni bokuphumelela amatyala anjalo.Olu hlobo lwetyala lomthetho ludla ngokuphela kunye nombolekisi ochitha ixesha elininzi, umzamo kunye nemali ngaphandle kwembuyekezo yemali.
05 Ukuthengwa kweGuerrilla
Yintoni "ukuthengwa kwe-guerrilla"?Kukudubula nje kwindawo eyahlukileyo.Umthengi wakha wafaka ii-odolo ezincinci ezininzi, yonke i-100% ehlawulwa kwangaphambili, ikhredithi ibonakala ilungile, kodwa inokuba ngumgibe!Emva kokuba abathumeli bangaphandle beyeke ukulinda, "abathengi" baya kufuna intlawulo eyongezelelekileyo kwaye baphose iiodolo ezinkulu njengesithiyelo.Ngenxa yabathengi abatsha abaqhubeka bebeka iiodolo, abathumeli bangaphandle baya kubeka lula imiba yokuthintela umngcipheko ecaleni.Umyalelo onjalo wanele ukuba abakwa-scammers benze i-fortune, kwaye ngokuqinisekileyo abayi kuhlawula kwakhona.Ngethuba abathumeli bathumelayo basabela, babesele bemkile.Emva koko, babesiya komnye umthumeli-mpahla ngaphandle owayengafumani marike kwaye baphinda iqhinga elifanayo.
06 Iingxaki zokuxela ubuxoki kunye nokufumana isiphene ngabom
Eli liqhinga lobunjubaqa elidla ngokusetyenziswa ixesha elide emva kokuba iimpahla zamkelwe.Olu hlobo lwento kunzima ukujongana nayo ukuba akuvunyelwanga kwangaphambili kwikhontrakthi.Eyona ndlela yokuthintela oku kukuthatha amanyathelo okhuseleko phambi kokurhweba.Okona kubaluleke kakhulu, iinkampani ezithumela ngaphandle kufuneka ziqinisekise ukuba zinesivumelwano esibhaliweyo esisayinwe ngumthengi kuzo zonke iinkcukacha zemveliso.Isivumelwano kufuneka sibandakanye inkqubo yokubuyisela imveliso ekuvunyelwene ngayo, kunye nenkqubo yomthengi yokuxela iingxaki zomgangatho kunye nentengiso.
07Ukusebenzisa ii-arhente zomntu wesithathu ngobuqhophololo
Iiarhente zeqela lesithathu ziyindlela yentengiselwano eqhelekileyo kurhwebo lwamazwe ngamazwe, nangona kunjalo, ukusetyenziswa kweearhente zeqela lesithathu ukurhwaphiliza kukuyo yonke indawo.Umzekelo, abathengi baphesheya kolwandle baxelele abathengisi bangaphandle ukuba bafuna iarhente yomntu wesithathu e-China ukuphatha lonke urhwebo.I-arhente inoxanduva lokubeka umyalelo, kwaye iimveliso zithunyelwa ngokuthe ngqo ukusuka kumzi-mveliso ukuya kubathengi baphesheya ngokweemfuno ze-arhente.I-arhente idla ngokuhlawula umthumeli ngaphandle kweli xesha.Njengoko inani lezorhwebo landa, imimiselo yokuhlawula inokuthi ikhululeke ngakumbi ngesicelo se-arhente.Ukubona ukuba urhwebo luba lukhulu kwaye lukhulu, i-arhente inganyamalala ngokukhawuleza.Ngeli xesha, iinkampani ezithumela ngaphandle zinokubuza abathengi baphesheya kuphela ngeemali ezingahlawulwanga.Abathengi baphesheya baya kugxininisa ukuba abanakuthwala uxanduva lokuthengwa kweemveliso kunye nokuphepha imali ngenxa yokuba i-arhente ingagunyaziswanga ngabo.Ukuba inkampani yokuthumela ngaphandle idibana nomcebisi oqeqeshiweyo wokuqokelela phesheya, umcebisi uya kucela ukubona amaxwebhu okanye amanye amaxwebhu anobungqina bokuba umthengi waphesheya ugunyazise iarhente ukuba ibeke iodolo kwaye ithumele iimpahla ngokuthe ngqo.Ukuba inkampani ethumela ngaphandle ayize icele elinye iqela ukuba linike olo gunyaziso lusesikweni, ngoko akukho siseko sisemthethweni sokunyanzela elinye iqela ukuba lihlawule.Amaqhinga angentla apha anokuthi agxininiswe nguLao Lai ngendlela "yeeputshi ezidibeneyo".Ezi meko zilandelayo zokusetyenziswa zibonisa:
Ityala lokuqala
Kuphela yibhetshi yokuqala yeempahla efumene intlawulo… Inkampani yethu ithethe nomthengi waseMelika, indlela yokuhlawula yile: akukho dipozithi, ibhetshi yokuqala yeempahla iya kuhlawulwa phambi kokuthunyelwa;ithikithi yesibini iya kuba yiT / T iintsuku ezingama-30 emva kokuhamba kwenqanawa;okwesithathu 60 iintsuku T / T emva kokuba inqanawa imithwalo imkile.Emva kwebhetshi yokuqala yeempahla, ndaziva ngathi umthengi mkhulu kakhulu kwaye akafanelanga ukuba semva, ngoko ke ndithatha intlawulo kwaye ndiyithumele kuqala.Kamva, isimbuku se-170,000 seedola zaseMelika zaqokelelwa kumthengi.Umthengi akazange ahlawule ngenxa yokuhamba kwemali kunye nokuhamba, kwaye wala ukuhlawula ngenxa yeengxaki zomgangatho, esithi intsapho yakhe elandelayo yayibange kuye, kwaye imali yayilingana nexabiso lilonke ekufuneka lihlawulwe kum. .Ixabiso elilinganayo.Nangona kunjalo, ngaphambi kokuba abathengi bokuthumela babe ne-QC phantsi ukuze bahlole iimpahla, bavuma nokuthunyelwa.Intlawulo yethu ibisoloko isenziwa nguT/T ngaphambili, kwaye andenzi nayiphi na ileta yetyala.Ngeli xesha yayiyimpazamo eyajika yaba yintiyo engunaphakade!
Ityala lesi-2
Umthengi osanda kuphuhliswa waseMelika unetyala elingaphezu kwe-80,000 yeedola zase-US kwintlawulo yeempahla, kwaye akazange ahlawule phantse unyaka!Abathengi abasanda kuphuhliswa baseMelika, amaqela amabini axoxa ngendlela yokuhlawula kakhulu.Indlela yokuhlawula ecetywayo ngumthengi kukubonelela ngeekopi zawo onke amaxwebhu emva kokuthunyelwa, i-100% emva kwe-T / T, kwaye ulungiselele intlawulo kwiintsuku ze-2-3 ngenkampani yemali.Sobabini nomphathi wam sasicinga ukuba le ndlela yokuhlawula yayiyingozi, kwaye sasilwa ixesha elide.Umthengi ekugqibeleni wavuma ukuba umyalelo wokuqala unokuhlawulwa kwangaphambili, kwaye imiyalelo elandelayo iya kwamkela indlela yabo.Baphathise inkampani yorhwebo eyaziwa kakhulu ukuba iqhubekisele phambili amaxwebhu kwaye ithumele iimpahla.Kufuneka sithumele onke amaxwebhu okuqala kule nkampani kuqala, kwaye ke baya kuthumela amaxwebhu kubathengi.Kuba le nkampani yorhwebo yangaphandle inefuthe elikhulu, kwaye abathengi bayo banamandla amakhulu, kwaye kukho umntu ophakathi eShenzhen, inzwakazi endala ekwazi ukuthetha isiTshayina.Lonke unxibelelwano lwenziwa ngaye, kwaye uqokelela iikomishini kubathengi phakathi.Emva kokuqwalasela umlinganiselo, ekugqibeleni umphathi wethu wavuma le ndlela yokuhlawula.Ishishini laqala kakuhle kakhulu, kwaye umxhasi ngamanye amaxesha wayesibongoza ukuba sinikeze amaxwebhu ngokukhawuleza, kuba kwakufuneka bathathe amaxwebhu ukuze baqokelele imali kubathengi babo.Intlawulo yeebhilikhwe zokuqala yayikhawuleza, kwaye intlawulo yenziwa ngeentsuku ezimbalwa zokubonelela ngamaxwebhu.Emva koko kwaqalisa ukulinda ixesha elide.Akukho ntlawulo yenziwe emva kokubonelela ngamaxwebhu ixesha elide, kwaye akukho mpendulo xa ndithumela i-imeyile ukuze ndikhumbuze.Ndithe xa ndifowunela umntu ophakathi e-Shenzhen, wathi umthengi womthengi akabahlawulanga, kwaye ngoku banengxaki yokuhamba kwemali, mandilinde, ndiyakholelwa ukuba baya kuhlawula ngokuqinisekileyo.Ukwathe umxhasi ukwamtyala iikomishoni ezingekahlawulwa kwaye unetyala elingaphezu kokuba basityala lona.Bendithumela ii-imeyile ukundikhumbuza, kwaye ndiye ndafowunela iUnited States, kwaye ingxelo iyafana.Kamva, nabo bathumela i-imeyile bechaza, nto leyo eyayifana naleyo yendoda ephakathi eShenzhen.Ndibathumelele i-imeyile ngenye imini ndabacela ukuba basibhalele incwadi yesiqiniseko esichaza ukuba basityala malini kwaye iza kuhlawulwa nini, ndabacela ukuba banike isicwangciso, waphendula umxhasi ukuba ndiza kumnika i20-30 days to sort khupha i accounts emva koko ubuyele kum.Ngenxa yoko, akukho ndaba emva kweentsuku ezingama-60.Zange ndikwazi ukunyamezela ndagqiba ekubeni ndithumele enye i-imeyile enzima.Ndiyazi ukuba banabanye ababoneleli-mpahla ababini abakwimeko efanayo neyam.Bakwatyala amashumi amawaka eedola kwaye abakahlawuli.Ngamanye amaxesha siyadibana sibuzana ngale meko.Ndiye ndathumela i-imeyile ndisithi ukuba andihlawuli, kufuneka ndenze into nabanye abavelisi, nto leyo engalunganga kuthi.Eli qhinga lisasebenza.Umxhasi wandifowunela ngobo busuku wathi umxhasi wabo ubatyala i-1.3 yezigidi zeedola.Babengeyonkampani enkulu, kwaye isixa esikhulu kangako saba nefuthe elikhulu kwingeniso yabo eyinkunzi.Akukho mali yokuhlawula ngoku.Uphinde wathi ndamgrogrisa ngelithi asihambi kwangexesha njalo njalo.Wayenokundimangalela, kodwa wayengacwangcisi ukwenza oko, wayesaceba ukuhlawula, kodwa wayengenayo imali ngoku, kwaye wayengenakuqinisekisa ukuba uya kuyifumana nini na imali… Indoda esisilumko.La mava abuhlungu andikhumbuze ukuba ndilumke ngakumbi kwixesha elizayo, kwaye ndenze umsebenzi wam wasekhaya kuphando lwabathengi.Kwii-odolo ezinobungozi, kungcono ukuthenga i-inshurensi.Xa kwenzeka ingozi, qhagamshelana nochwepheshe ngokukhawuleza ngaphandle kokulibazisa ixesha elide.
Indlela yokuthintela le mingcipheko?
Eyona nto ibaluleke kakhulu kukuba akukho mpukane okanye ukubawa xa uthethathethwano ngendlela yokuhlawula, kwaye kukhuselekile ukwenza oko.Ukuba umthengi akahlawuli ngexesha elibekiweyo, ngoko ixesha lutshaba lwakho.Emva kokuba ixesha lokuhlawula lidlulile, kamva ishishini lithatha inyathelo, asezantsi amathuba okuba ihlawule intlawulo.Emva kokuba iimpahla zithunyelwe, ukuba intlawulo ayizange iqokelelwe, ngoko ubunini bempahla kufuneka buqine ezandleni zakho.Musa ukukholelwa kwicala elinye lesiqinisekiso somthengi.Iminyinyiva ephindiweyo iya kukwenza ukuba ungabuyi umva.Kwelinye icala, abathengi ababuyileyo okanye bathengiswe kwakhona banokuqhagamshelwana nokuxhomekeka kwimeko.Nokuba iimpahla azikhohliswa, umrhumo we-demurrage awuphantsi.Kwaye kulawo mazwe anokukhulula iimpahla ngaphandle kwe-bill of lading (efana ne-Indiya, iBrazil, njl.), kufuneka uqaphele ngakumbi.Okokugqibela, ungazami ukuvavanya ubuntu bamntu.Awumniki thuba lokungawahlawuli amatyala akhe.Usenokusoloko engumthengi olungileyo.
Ixesha lokuposa: Aug-18-2022