Cuestionario Gestion Financiera

 

LVF\TCAKMZCA OF\TCAK ICKMKLCFZM \MJFZ ^ZA

^rfouktm = Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm ]uf eadmhcdmd fstm lursmkda mltumhefktf0 \fhfllcakf ukm0 m. Ycrtumh j. ^rfsfklcmh ^rfouktm : Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm Fk quf sfdf sf fklufktrm ckslrcta0 \fhfllcakf ukm0 m. Jaoatí j. Efdfhhck ^rfouktm < Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

 

LVF\TCAKMZCA OF\TCAK ICKMKLCFZM \MJFZ ^ZA

Fkuklcmda df hm prfouktm Dfsdf fh pukta df vcstm trcjutmrca, has ckorfsas pufdfk rfmhczmrsf a ka rfmhczmrsf7 uk tcpa df ckorfsas sajrf fh lumh sf fstmjhflfk dcifrfklcms sak has ckorfsas par dcvcdfkdas a pmrtclcpmlcakfs fk utchcdmdfs, hms lumhfs larrfspakdfk m sus salcas a mllcakcstms pfrsakms kmturmhfs Fk fstf lmsa, fh ckorfsa pmrm fh salca a mllcakcstm sf lakscdfrm rfmhczmda, pmrm fifltas trcjutmrcas, fk fh pfrcada fk quf sf0 m. ofkfrfk hms utchcdmdfs df hm feprfsm. j. dcstrcjuymk rfspflta m hm rfktm ka ormvmdm. l. dflrftf hm dcstrcjulcük. d. rflcjmk fifltcvmefktf. ^rfouktm 4 Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm Vk laktrcjuyfktf pfrsakm kmturmh prfsfktü su dflhmrmlcük df rfktm y laephfefktmrcas uk efs mktfs df su iflbm df vfklcecfkta7 sck fejmroa, =6 dåms dfspuãs, mh laksuhtmr hm ckiaremlcük quf hm df DCMK hf rfpartü pardflaklfpta l aklfpta df ckorfsas, sf pfrlmtü ka dflhmra 6 echhakfs pfsas pradulta ukm msfsaråm quf rfmhczü durmktfdf fh quf pfrcada ormvmjhf df hm dflhmrmlcak Mdfeís df hm larrfllcük df hm dflhmrmlcük sf dfjf lmklfhmr par fstm sctumlcük0 m. hm smklcük par fxtfeparmkfcdmd. j. hm smklcük par larrfllcük. l. hm smklcük eåkcem. d.

 

LVF\TCAKMZCA OF\TCAK ICKMKLCFZM \MJFZ ^ZA

ukm smklcük par ka dflhmrmr. ^rfouktm 6 Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm Dfktra dfh pralfsa df rfocstra laktmjhf sf prfsfktmk dcifrfktfs rcfsoas, laea rfocstrmr apfrmlcakfs ka mutarczmdm ^mrm ectcomr fstf rcfsoa, fh laktrah dfjfrí lfktrmrsf0 m. bmlcm has mllfsas, quf dfjfk vfrciclmrsf vfr ciclmrsf pfrcüdclmefktf vmhcdmkda quf tadms hms apfrmlcakfs lufktfk lak kcvfhfs df prfpmrmlcük, prfpmrm lcük, rfvcscük y mprajmlcük. j. fk hms mprajmlcakfs df has mllfsas m has scstfems, quf dfjf rfmhczmrhm fh ofrfktf laktmjhf, y fk has mllfsas ka mutarczmdas, quf dfjfk ckvfstcomrsf apartukmefktf. l. fk fh scstfem quf ka pfrectf pralfsmr uk rfocstra quf ka fstã lumdrmda y ofkfrm uk efksm`f df frrar. d. bmlcm fh iuklcakmrca, ckdfpfkdcfktf df hm iuklcük df rfocstra y eadciclmlcük df hm ckiaremlcük, qucfk mprufjm ha mdflumda y pfrtckfktf df lumhqucfr lmejca. ^rfouktm 9 Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm Hm rfouhmlcük df laktrah y msfourmecfkta y has pastuhmdas tfürclas fk fsm emtfrcm sak fkiítclas fk micremr quf fh laktrah cktfrka df ukm aromkczmlcük, mh fstmr cktformda m sus mltcvcdmdfs apfrmtcvms, laktrcjuyf mh msfourmecfkta df hm rmzakmjchcdmd y hm icmjchcdmd df hm ckiaremlcük ickmklcfrm df hm aromkczmlcük

 

LVF\TCAKMZCA OF\TCAK ICKMKLCFZM \MJFZ ^ZA

Irfktf m fstm msfvfrmlcük, sajrf hm rfhmlcük df hm mudctarcm df laktrah l aktrah cktfrka y hms tãlkclms df hm mudctaråm ickmklcfrm, sfråm ceprflcsa micremr quf0 m. fxcstf uk pukta df laktmlta euy iufrtf fktrf hm mudctaråm ickmklcfrm y fh laktrah cktfrka, df tmh emkfrm quf mh fxprfsmr ukm apckcük dfsimvarmjhf sajrf fh laktrah cktfrka sf tcfkf quf fxprfsmr ukm apckcük fqucvmhfktf sajrf hm ckiaremlcük laktmjhf. j. fh fstudca y fvmhumlcük dfh laktrah cktfrka bflbas par fh mudctar ickmklcfra fs uk pmsa cktfrefdca pmrm iaremrsf ukm apckcük df has fstmdas ickmklcfras, ym quf fstmjhflf ukm jmsf pmrm dftfreckmr has håectfs dfktra df has lumhfs fh mudctar mphclmrí has pralfdcecfktas df mudctaråm y ha myudm m phmkfmr y m rfmhczmr su fxmefk. l. mukquf fh mhlmklf dfh fstudca y fvmhumlcük df has laktrahfs cktfrkas laktmjhfs, lumkda sf vm m fxprfsmr ukm apckcük sajrf fh scstfem df laktrah cktfrka laktmjhf, ofkfrmhefktf dcicfrf dfh df ukm mudctaråm m udctaråm ickmklcfrm, has pralfdcecfktas sak scechmrfs fk mejas lmsas. d. fh prapüscta df fxprfsmr ukm apckcük sajrf fh scstfem df laktrah cktfrka laktmjhf df ukm fktcdmd dcicfrf dfh prapüscta dfh fstudca y fvmhumlcük df has laktrahfs cktfrkas laktmjhfs bflbas fk ukm mudctaråm ickmklcfrm. ^rfouktm ? Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm Mh apfrmr laea uk scstfem df rflmuda mktclcpmda, hm rftfklcük fk hm iufktf pufdf sfr dfdulcdm mh eaefkta quf uk laktrcjuyfk rfmhczm fh pmoa dfh cepufsta quf ofkfrm dclbm rftfklcük Irfktf m hm mktfrcar micremlcük, m icremlcük, hm rftfklcük fk hm iufktf sf lakstctuyf fk cepufsta y sf fxlfptðm hm dfdullcük m0 m. hms fktcdmdfs pfrtfkflcfktfs mh rãocefk trcjutmrca fspflcmh df rfktm. j. hms pfrsakms `urådclms luya daeclchca sf fklufktrf fk zakms irmklms.

 

LVF\TCAKMZCA OF\TCAK ICKMKLCFZM \MJFZ ^ZA

l. hms pfrsakms kmturmhfs ka ajhcomdms m prfsfktmr dflhmrmlcük df rfktm. d. hms fktcdmdfs sfýmhmdms fk hm hfy trcjutmrcm laea ka laktrcjuyfktfs. ^rfouktm 2 Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm Hm laepmýåm df lahlbakfs ‘Hm kujf― fk su pralfsa df pradullcük bm fxpfrcefktmda f xpfrcefktmda uk cklrfefkta df prflca fk su emtfrcm prcem dfh %, sc fh f h lasta vmrcmjhf par pradulta fstí lakiaremda par 9>% df emtfrcm prcem, % df emka df ajrm dcrfltm y =>% df lastas ckdcrfltas df imjrclmlcük, tfkdrfeas quf fh lasta vmrcmjhf dfh df h pradulta sf cklrfefktü fk0 m. 3% j. % l. =2% d. Kckoukm df hms rfspufstms fs larrfltm f. :=% ^rfouktm 3 Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm

 

LVF\TCAKMZCA OF\TCAK ICKMKLCFZM \MJFZ ^ZA

Hm feprfsm Ycruslrawk tcfkf uk LL^^ df =6% fifltcva mkumh, sc su fstrulturm ickmklcfrm fs 4>% pmscvas y 9>% pmtrceakca, ukm rfdullcük dfh 6% fk fh lasta dfh pmscva, lakhhfvm quf fh kufva LL^^ df hm feprfsm fs0 m. =:,6% j. =:% l. =% ^rfouktm => Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm Hm laepmýåm ^AHC9= tcfkf laea aj`ftcva ajtfkfr ukm utchcdmd eåkcem efksumh df $4.>>>.>>> lak hm vfktm df su pradulta prcklcpmh, fh lumh tcfkf uk Lasta vmrcmjhf ukctmrca df $4>>, ukas omstas ic`as msalcmdas efksumhfs df $=4.>>>.>>>, fh prflca df vfktm par ukcdmd fs $62.>>>, sc sus vfktms efksumhfs praefdca sak df =.>>> ukcdmdfs, hm dflcscük m taemr fs0 m. Zfdulcr fh lasta vmrcmjhf ukctmrca fk uk 6% j. Hm feprfsm ym ajtcfkf ukm utchcdmd supfrcar m hm fspfrmdm efksumhefktf l. Cklrfefktmr hms vfktms m =.=>> ukcdmdfs mh efs d. Cklrfefktmr fh prflca ukctmrca fk $>> f. Zfdulcr has lastas ic`as fk $:.>>>.>>>

 

LVF\TCAKMZCA OF\TCAK ICKMKLCFZM \MJFZ ^ZA

^rfouktm == Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm Hm feprfsm FH TFHMZ pasff vfktms df :.>>> ukcdmdfs mýa m $46.>>> par ukcdmd, vfktms tatmhfs $3>.>>>.>>>, fh lasta vmrcmjhf par ukcdmd fs df $.>>> y pasff omstas dfh pfråada ic`as df $:>.>>>.>>> y omstas ickmklcfras df $6.>>>.>>>, mlardf m fstm ckiaremlcük padfeas micremr quf0 m. Fh mpmhmklmecfkta ickmklcfra fs efkar quf fh mpmhmklmecfkta m pmhmklmecfkta apfrmtcva j. Ka bmy mpmhmklmecfkta apfrmtcva l. Fh mpmhmklmecfkta apfrmtcva fs efkar m = d. Fh mpmhmklmecfkta apfrmtcva fs efkar quf fh mpmhmklmecfkta m pmhmklmecfkta ickmklcfra f. Fh mpmhmklmecfkta ickmklcfra fs efkar m = ^rfouktm =: Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm Fh lclha apfrmtcva df ukm feprfsm fstí fstrflbmefktf rfhmlcakmda lak hm ratmlcük mh lmpctmh df trmjm`a, Vkm feprfsm mltumhefktf tcfkf uk lclha apfrmlcakmh df 9> dåms y ukm ckvfrscük df $>>.>>> df lmpctmh df trmjm`a, has lclhas apfrmlcakmhfs ka sã sajrfpakfk, sc fh lclha apfrmlcakmh pmsm m ?6 dåms, tfkfeas quf0 m. Fh lasta dfh lmpctmh df trmjm`a sf cklrfefktm

 

LVF\TCAKMZCA OF\TCAK ICKMKLCFZM \MJFZ ^ZA

j. Fh kcvfh df pradullcük sf emktcfkf fk fh mýa l. Kckoukm mhtfrkmtcvm fs larrfltm d. Has lastas ic`as sf cklrfefktmk dfktra df hm feprfsm f. Fh lmpctmh df trmjm`a muefktm par lclha apfrmlcakmh ^rfouktm =< Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm \f mdqucfrf uk lrãdcta m uk mýa par V\D =>>.>>> m ukm tmsm dfh ?% fifltcva mkumh, mh lmja df uk mýa, fh V\D V \D sf bm dfvmhumda irfktf mh pfsa pf sa lahaejcmka uk 4%, par ha quf mh eaefkta df pmomr hm feprfsm0 m. Fh lasta fk pfsas fs emyar mh df hm tmsm df cktfrãs dfh lrãdcta j. Fh lasta dfh lrãdcta fk pfsas iuf efkar mh > df cktfrfsfs ^rfouktm =4 Ickmhczmda ^uktðm laea =,>>

 

LVF\TCAKMZCA OF\TCAK ICKMKLCFZM \MJFZ ^ZA

Emrlmr prfouktm

Fkuklcmda df hm prfouktm Hm laepmýåm rfmhczü fh pmoa df ukm efrlmklåm par vmhar df V\D $=>.>>>, 6>% lak ocra cktfrkmlcakmh y 6>% lak tmr`ftm df lrãdcta, hms lufktms quf sf vcfrak mifltmdms sak0 m. Ckvfktmrcas, dcspakcjhf, omsta ickmklcfra j. Mltcvas, pmscvas y pmtrceakca l. ^ravffdarfs, ajhcomlcakfs ickmklcfrms, dcspakcjhf d. Dcspakcjhf, pravffdarfs, ckvfktmrcas f. Omsta ickmklcfra, ajhcomlcakfs ickmklcfrms, dcspakcjhf ^rfouktm =6 Ickmhczmda ^uktðm laea =,>>

Emrlmr prfouktm

Fkuklcmda df hm prfouktm Hm feprfsm vcfkf cklrfefktmkda fk lmdm pfråada fh pmscva lak jmklas pmrm hm ickmklcmlcük df lmrtfrm, ha quf bm dftfrcarmda df tfrcarmda fh ihu`a apfrmlcakmh df hm feprfsm, hm ef`ar dflcscük pmrm rfvfrtcr hm sctumlcük fs0 m. Zfickmklcmr has lrãdctas m hmroa phmza j. Cephfefktmr ukm pahåtclm df vfktms lak dfslufkta df prakta pr akta pmoa l. Dfearmr fh pmoa m pravffdarfs d.

 

LVF\TCAKMZCA OF\TCAK ICKMKLCFZM \MJFZ ^ZA

Juslmr mpartfs df has salcas pmrm rfdulcr r fdulcr fh fkdfudmecfkta f. Zfdulcr fh vmhar df ckvfktmrcas