Factoring vs Invoice Discounting
Kev txo nqi thiab nqi txo nqi yog cov kev siv los ntawm cov neeg muag khoom thiab cov kev pabcuam kom tau txais cov nyiaj them poob haujlwm ntawm lawv cov ntawv xa nyiaj thiab cov nyiaj tau los ntawm cov tsev txhab nyiaj thiab cov tuam txhab nyiaj txiag uas muab cov kev pabcuam txo nqi thiab cov nqi txo nqi. Factoring thiab invoice luv nqi muab cov lag luam ib txoj hauv kev uas yuav rov qab tau lawv cov peev txheej thiab txhim kho cov nyiaj ntsuab. Kab lus no muaj cov lus piav qhia meej ntawm txhua yam ntawm cov nqi them nyiaj thiab hais txog qhov zoo sib xws thiab qhov sib txawv ntawm kev txiav txim siab thiab nqi txo nqi.
Factoring yog dab tsi?
Factoring yog ib hom kev them nqi nyiaj txiag uas tau txais thiab cov ntawv xa nyiaj tsis tau them rov qab los ntawm kev koom tes ntawm tus thib peb. Hauv Factoring txhais nws hais tias kev lag luam yog kev lag luam nyiaj txiag uas cov tuam txhab muag lawv cov nyiaj tau txais thiab cov ntawv them tsis tau them rau cov neeg thib peb xws li cov tsev txhab nyiaj thiab cov tuam txhab nyiaj txiag hu ua yam ntawm tus nqi luv nqi. Factoring invoices tso cai rau cov lag luam sai thiab ua tau zoo kom rov qab tau lawv cov nyiaj tau los vim lawv tsis tas yuav tos lawv cov neeg siv khoom rau kev them nqi ntawm cov khoom thiab cov kev pabcuam. Thaum cov nyiaj tau txais txiaj ntsig, tus neeg thib peb, feem ntau yog lub tsev txhab nyiaj lossis tuam txhab nyiaj txiag, tswj hwm lub tuam txhab kev sau cov nuj nqis los ntawm kev tuav cov ntawv muag khoom thiab hu rau cov neeg siv khoom ncaj qha kom them lawv cov nuj nqis. Hauv kev tsim cov ntawv xa nyiaj, cov lag luam cov neeg siv khoom tau paub tias kev sau cov nuj nqis tau raug xa mus rau lwm tus neeg sab nrauv raws li tus neeg siv khoom ncaj qha them cov nqi them rau qhov tseem ceeb. Debt factoring yog ib hom kev ua lag luam uas qhov tseem ceeb muab lub tuam txhab qiv nyiaj tiv thaiv cov khoom tau txais thiab cov ntawv them tsis tau them rau qhov khoom.
Tus nqi txo nqi yog dab tsi?
Nyiaj txo nqi hauv lwm hom kev them nqi nyiaj txiag. Invoice txo nqi yog ib hom kev qiv nyiaj luv luv uas lub tuam txhab tuaj yeem tau txais cov nyiaj qiv ntawm nws cov ntawv tsis them nyiaj thiab cov nyiaj tau txais. Lub tuam txhab nyiaj txiag lossis tus neeg thib peb muab cov nqi txo nqi them tus nqi rau cov kev pabcuam, thiab cov nyiaj qiv yog ua raws li feem pua ntawm cov nqi them tag nrho. Thaum cov neeg siv khoom them lawv cov nuj nqis, cov nyiaj ncaj qha mus rau lwm lub tuam txhab nyiaj txiag. Lub tuam txhab nws tus kheej tuav nws daim ntawv muag khoom thiab yog lub luag haujlwm rau kev sau cov nuj nqis. Yog li ntawd, lub tuam txhab cov neeg siv khoom tsis paub txog kev koom tes thib peb hauv kev sau cov nuj nqis. Qhov no tso cai rau kev txo nqi tsis pub leej twg paub thiab pab tus neeg muag khoom kom muaj kev sib raug zoo ntawm cov neeg siv khoom. Invoice txo nqi kuj yog ib hom kev qiv nyiaj raws li cov cuab yeej cuab tam uas lub tuam txhab nyiaj txiag muaj kev lag luam qiv nyiaj uas tau txais kev nyab xeeb los ntawm cov ntawv tsis them nyiaj thiab cov nyiaj tau txais.
Dab tsi yog qhov txawv ntawm Factoring thiab Invoice Discounting
Factoring thiab invoice luv nqi yog ob qho tib si cov nyiaj txiag cov txheej txheem uas muab nyiaj txiag luv luv. Txawm hais tias lawv qhov zoo sib xws, muaj ntau qhov sib txawv ntawm factoring thiab invoice luv nqi. Cov tuam txhab me me feem ntau yog siv cov nqi them nqi, uas tsis yog cov nqi txo nqi uas feem ntau yog siv los ntawm cov tuam txhab loj dua. Nyob rau hauv invoice factoring qhov muag ledger, sau nuj nqis thiab credit checks yog ua los ntawm tus thib peb tog tuam txhab nyiaj txiag, thiab cov neeg muas zaub paub hais tias lub tuam txhab siv cov kev pab cuam ntawm ib tug thib peb tog. Raws li nrog cov nqi txo nqi, qhov no yog qhov tsis pub lwm tus paub vim tias cov ntaub ntawv muag khoom tau khaws cia hauv tsev thiab cov neeg siv khoom tsis paub txog kev koom tes thib peb.
Summary:
Factoring vs Invoice Discounting
• Factoring and invoice discounting is two invoice financial mechanisms that offer short-term nyiaj txiag.
• Lub ntsiab lus txhais: kev lag luam nyiaj txiag uas cov tuam txhab muag nws cov nyiaj tau txais thiab cov ntawv them tsis tau them rau cov neeg thib peb xws li cov tsev txhab nyiaj thiab cov tuam txhab nyiaj txiag uas paub tias yog yam ntawm tus nqi luv nqi.
• Invoice discounting definition: Ib daim ntawv ntawm cov nyiaj txiag luv luv uas lub tuam txhab tuaj yeem tau txais cov nyiaj qiv ntawm nws cov ntawv tsis them nyiaj thiab cov nyiaj tau txais.
• Invoice discounting is also a form of asset based loans in which the financial institution has been business loans that are secured by unpaid invoice and accounts receivable.
• Nyob rau hauv daim ntawv qhia txog kev muag khoom, kev sau cov nuj nqis thiab cov tshev credit yog ua los ntawm lub tuam txhab nyiaj txiag thib peb, thiab cov neeg siv khoom paub tias lub tuam txhab tau siv cov kev pabcuam ntawm tus thib peb.
• Raws li cov nqi txo nqi, qhov no yog qhov tsis pub lwm tus paub vim tias cov ntaub ntawv muag khoom tau khaws cia hauv tsev thiab cov neeg siv khoom tsis paub txog kev koom tes thib peb.
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