Ukugcinwa kwabaThengi: Izibalo, amaqhinga, kunye nokuBala (CRR vs DRR)

Isikhokelo sokuGcinwa kwabaThengi

Sabelana kancinci malunga nokufunyanwa kodwa akonelanga malunga ukugcinwa kwabathengi. Iindlela zokuthengisa ezinkulu azikho lula njengokuqhuba ngakumbi nangakumbi, kukwakuqhuba ngokukhokelela ekunene. Ukugcina abathengi kuhlala kuyinto encinci yeendleko zokufumana abatsha.

Ngobhubhane, iinkampani zazizingela kwaye zazingenaburhalarhume ekufumaneni iimveliso kunye neenkonzo ezintsha. Ukongeza, iintlanganiso zentengiso yomntu kunye neenkomfa zentengiso zithintele kakhulu iindlela zokufumana kwiinkampani ezininzi. Ngelixa sijike saya kwiintlanganiso nakwiminyhadala, amandla eenkampani ezininzi ukuqhuba ukuthengisa okutsha ayomelele ngumkhenkce. Oku kuthetha ukuba ukomeleza ubudlelwane okanye ukuthengisa abathengi bangoku kubaluleke kakhulu ekugcineni ingeniso kunye nenkampani yabo iqhuba.

Ubunkokeli kwimibutho ekhula kakhulu benyanzelekile ukuba baqwalasele ngakumbi ukugcinwa kwabathengi ukuba amathuba okufumana izinto ancitshisiwe. Ndiyathandabuza ukuthi zazi ziindaba ezimnandi ezo… yaba sisifundo esibuhlungu kwimibutho emininzi ekwakufuneka beyile kwaye bomeleze iindlela zabo zokugcina abathengi.

Izibalo zokuGcina abaThengi

Zininzi iindleko ezingabonakaliyo eziza nokugcinwa kwabathengi abahlwempuzekileyo. Nazi ezinye zeenkcukacha-manani ezimele ukunyusa ukugxila kugcino lwabathengi:

  • 67% abathengi ababuyayo bachitha ngaphezulu kunyaka wabo wesithathu wokuthenga kwishishini kuneenyanga ezintandathu zokuqala.
  • Ngokwandisa izinga lokugcina abathengi ngo-5%, iinkampani zinako yandisa inzuzo ngama-25 ukuya kuma-95%.
  • Iipesenti ezingama-82 zeenkampani ziyavuma oko iindleko zokugcina abathengi zingaphantsi kokufunyanwa kwabathengi.
  • I-68% yabathengi ayisayi kubuyela kwishishini emva kokuba amava amabi nabo.
  • I-62% yabathengi baziva iimpawu abathembekileyo kuzo ukuba azenzi ngokwaneleyo umvuzo wokunyaniseka kwabathengi.
  • I-62% yabathengi baseMelika bafudukele kwi-brand eyahlukileyo kunyaka ophelileyo ngenxa ye- amava omthengi ahluphekileyo.

Ukubala iRhafu yokuGcina (uMthengi kunye neDola)

Ayingabo bonke abathengi abachitha imali elinganayo nenkampani yakho, ke zimbini iindlela zokubala amaxabiso okugcina:

  • Ireyithi yokuGcina abaThengi (i-CRR) -Iipesenti zabathengi ozigcina zinxulumene nenani onalo ekuqaleni kwexesha (ngaphandle kokubala abathengi abatsha).
  • Ireyithi yokugcinwa kweDola (i-DRR) - ipesenti yengeniso oyigcinayo xa kuthelekiswa nengeniso obunayo ekuqaleni kwexesha (kungabalwa ingeniso entsha). Iindlela zokubala oku kukwahlula abathengi bakho kuluhlu lwengeniso, emva koko ubale iCRR kuluhlu ngalunye.

Iinkampani ezininzi ezinenzuzo enkulu zinokuba nazo ukugcinwa kwabathengi okuphantsi kodwa ukugcinwa kwedola ephezulu njengoko zisuka kwiikontraka ezincinci ziye kwizivumelwano ezikhulu. Ngokubanzi, inkampani isempilweni kwaye inenzuzo ngakumbi ngaphandle kokuphulukana nabathengi abaninzi abancinci.

Isikhokelo sokuGcina abaThengi

Le infographic evela M2 Kubanjiwe iinkcukacha zokugcina amanani abathengi, kutheni iinkampani ziphulukana nabathengi, indlela yokubala inqanaba lokugcinwa kwabathengi (CRR), ukubala njani ukugcinwa kwedola (DRR), kunye neenkcukacha zokugcina iindlela zokugcina abathengi bakho:

  • Iimangalelo -Bothusa abathengi ngeminikelo engalindelekanga okanye nenqaku elibhalwe ngesandla.
  • Lindele Abathengi abadanileyo bahlala bebeka ulindelo olungenakwenzeka.
  • Ukwaneliseka -Ukubeka iliso kwizalathi zentsebenzo eziphambili ezibonelela ngengqiqo yokuba baneliseke kangakanani abathengi bakho.
  • ingxelo -Buza ingxelo ngendlela onokuphuculwa ngayo ngamava abathengi kunye nokuphumeza ezo zisombululo zinefuthe elikhulu.
  • Ukuthetha -Nxibelelana ngokuqhubekayo nokuphuculwa kwakho kunye nexabiso ozisa ngalo abathengi bakho ngokuhamba kwexesha.

Ukuxhamla abathengi kuphela akuyi kuba nakho ukufumana ukuthembeka kwabo. Endaweni yoko, kufuneka bafumane iinkonzo ezizodwa ezifanelekileyo ezifanelekileyo zokuphinda ishishini kunye nokudluliselwa. Qonda izinto eziqhuba olu tshintsho kubathengi.

URick Tate, Umbhali we Inkqubo yeNkonzo: Ukudala okungcono, okukhawulezayo, kunye noMthengi ohlukileyo

Ukugcinwa kwabathengi

Ukubhengezwa: Ndisebenzisa ikhonkco lokudibana kwam leAmazon kwincwadi kaRick Tate.

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