Friday, December 29, 2006

如何掌握現金流

大市牛氣衝天,不過,只要細心看看,便知道股價升幅,只集中在幾隻重點股份之上。建設銀行(939)、中國網通(906)及太古A(019)等藍籌股更報跌,國企股指數成份股中,有10隻亦逆市下跌,反映並未全線造好。

有心人對愛股情有獨鍾,小股民更應小心守着寸頭資金,以免一不小心,成為大鱷點心,在人人皆為股市衝破二萬點之際,不如介紹大家看看書,增進一下理財知識。

想發達,當然是愈多錢愈好,愈能顯出其地位,但錢這種物體並不一定是多就代表成功,相反,能夠處理好現金流轉(Cash Flow),讓現金不斷產生金錢才算是卓越,否則將錢埋在地底,以為保護周到,分分鐘變窮人。美國一本財經讀物Never Run Out of CASH: The 10 Cash Flow Rules You Can’t Afford to Ignore (或可譯作「永不用盡現金:10條不容忽視的現金流誡命」),作者Philip Campbell就提出企業如何管理金錢:
1)永不用盡現金:現金耗盡代表生意失敗;
2)現金就是皇(CASH IS KING):無現金等於無生意;
3)即時知道現金水平:如用不正確的現金水平去作出決定,有經驗和智慧的人士也會失敗;
4)今日就要做好即日的工作:可讓你知道最新現金情況;
5)你或其他人定必完成手頭工作:同樣道理,無論是自己動手,抑或指揮其他人處理,工作始終要完成,方知道現金餘額;
6)不要用銀行戶口去處理:銀行戶口和現金結餘有時會有混淆情況;
7)預測未來6個月的現金情況:這種做法有助改善究竟是業務「管理」你,還是你管理業務;
8)現金問題不會「剛巧發生」:業務出現問題,主要是管理層未有及時發現現金流問題,並採取補救行動,問題是不會突然發生的;
9)應制定現金流預測:如第7條所言,該工作有助作出明智商業決定;
10)照顧客戶及賺取更多錢:這規條正好解決現金流疑慮,就是讓客戶給予更多生意,帶來更多收入,不擔心現金流,可集中處理自己的業務。

儘管以上道理看似簡單,執行起來卻非易事。不過,掌握得宜,就能成功提高回報。像分析員衡量一間銀行股表現時,多以資本回報率(ROE,Return of Equity) 去了解如何利用資本去賺取回報,流轉愈密,回報自然可提高。其實這些規條也可應用在個人方面,皆因兩者有相類似之處,如大家在股票市場大有斬獲,但也應注意現金流轉,如留意消費習慣,注意每月薪金運用情況,不要單看銀行戶口剩餘的現金,皆因每天生活消費,總會有用信用卡的機會,故需注意到期日繳付卡數,並自行制定未來需要花費的地方,如預先知道需儲蓄金額、未來保險費用等支出總額,有助避免突然「乾塘」,而手頭「彈藥」充足,亦可為07年建立投資基礎造好準備。

(12月29日刊於《am730》)

(12月29日刊於《am730》)

10 Comments:

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您对现金流的体会真深刻哦

 
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