Kuwonekera kwa mabanki aku US ku ngongole zachinsinsi kumafika $300B (2025)

Kusintha Kwachete: Momwe Mabanki Akusinthiranso Ngongole Yachinsinsi

Mawonekedwe amakampani akubwereketsa akusintha modabwitsa. Mabizinesi apadera azachuma komanso osabwereketsa omwe si mabanki, msika wangongole wapagulu tsopano ukuwona zotuluka zambiri kuchokera kugwero lodabwitsa: mabanki azikhalidwe zaku US. Kuwunika kwaposachedwa kwa ntchito zomwe mabanki aku US amapeza ngongole zachinsinsi zidzakwera mpaka $300 biliyoni pofika chaka cha 2025. Izi sizinthu zazing'ono; ndikusintha kofunikira kwa momwe chiwopsezo chimayendetsedwa komanso ndalama zoyendetsera ntchito. Mabanki salinso otsogolera kapena ogwirizana nawo muzochita izi; akukhala osewera akuluakulu, kukopeka ndi zokolola zambiri pamsika womwe uli ndi mpikisano. Kusunthaku, komabe, kumabweretsa zovuta zatsopano zogwirira ntchito, zomwe zimafuna kuchuluka kwachangu komwe machitidwe ambiri amabanki amavutikira kupereka.

Chifukwa Chake Mabanki Akulowa mu Phukusi Lachinsinsi la Ngongole

Dalaivala kumbuyo kwa pivot ya $ 300 biliyoni iyi ndi kuphatikiza kwa zinthu zokankha ndi kukoka. Kwa zaka zambiri, mabanki akhala akukumana ndi malire pa ngongole zachikhalidwe, zofinyidwa ndi chiwongola dzanja chochepa komanso mpikisano waukulu. Ngongole yachinsinsi imapereka njira ina yokakamiza ndi kuthekera kwake kubweza ndalama zambiri. Kuphatikiza apo, mabizinesi akuluakulu akuchulukirachulukira pamsika wama bond, mabanki akuyang'ana ngongole zachinsinsi ngati njira yosungitsira maubale ndi makampani apakati omwe amafunafuna njira zosinthira, zongopeza ndalama zomwe zingaperekedwe. Kusunthaku kumalola mabanki kuti agwiritse ntchito ndalama zambiri mopindulitsa pomwe akutumikira gawo lofunikira lazachuma. Komabe, kuyang'anira katundu wosiyanasiyana komanso wovuta wa katundu wosakhazikika, wosakhazikika kumafuna njira yosiyana kwambiri yogwirira ntchito kusiyana ndi kulemba buku la ngongole zanyumba kapena bizinesi.

Zovuta Zogwirira Ntchito za Mtundu Wobwereketsa Wophatikiza

Kuphatikizira ngongole zachinsinsi muzachikhalidwe chamabanki sikophweka monga kulemba cheke. Katunduyu amabwera ndi zovuta zapadera zomwe zimayesa malire a zomangamanga wamba. Mkhalidwe womwewo wa ngongole zachinsinsi - kusowa kwake kokhazikika, njira zotsogola, ndi zofunikira zowunikira - kumabweretsa kusagwirizana kwakukulu. Mabanki tsopano akuyenera kuyang'anira ndi kuyang'anira kuchuluka kwa data, kuyambira pakutsata mapangano ndi ndandanda yakuyimbira ndalama mpaka mathithi ovuta komanso oponya ndalama. Kudalira machitidwe a siled, ma spreadsheets apamanja, ndi njira zoyankhulirana zosalumikizidwa ndi njira yopezera zolakwika, kuchedwa, ndi mwayi wophonya. Zovuta zazikulu ndi izi:

• Data Silos: Zambiri zokhudzana ndi malonda nthawi zambiri zimatsatiridwa ndi maimelo, masipuredishiti, ndi machitidwe a mbiri yakale, kulepheretsa gwero limodzi lachowonadi.
• Njira Pamanja: Kuyang'anira mafoni a m'manja, kugawa, ndikuwunika pawokha kuti malamulo akutsatira ndi kuwononga nthawi komanso kumakonda zolakwika zamunthu.
• Mawonekedwe a Portfolio: Kuwona zenizeni zenizeni, zachiwopsezo komanso momwe ntchito zikuyendera m'buku lonse lachinsinsi lachinsinsi ndizovuta kwambiri.
• Kuvuta Malipoti: Kupanga malipoti olondola kwa owongolera, osunga ndalama, ndi okhudzidwa mkati kumakhala ntchito yayikulu.

Kuyenda pa New Terrain ndi Modular Business OS

Kuti achite bwino m'malo atsopanowa, mabanki amafunikira maziko ogwirira ntchito omwe ali osunthika ngati chuma chomwe akupeza. Apa ndipamene njira yamakono, yosinthika pamachitidwe abizinesi imakhala yofunika. Modular bizinesi OS ngati Mewayz imagwira ntchito ngati njira yayikulu yoyendetsera zovuta zachuma. M'malo mokakamiza makalasi azinthu zatsopano kukhala machitidwe akale, okhwima, Mewayz amapereka nsanja yogwirizana yomwe ingagwirizane ndi kayendetsedwe kake ka kayendetsedwe ka ngongole zachinsinsi. Imaphwanya ma silos a data, imapanga ntchito zobwerezabwereza, ndipo imapereka kuwonekera kofunikira kuti mupange zisankho zodziwitsidwa mwachangu. M'malo mwake, zimapatsa mabungwe azachuma mphamvu yopikisana ndi makampani ongongoleredwa abizinesi pomwe akukhalabe ndi ulamuliro wamphamvu womwe umayembekezeredwa ndi banki yoyendetsedwa.

"Kugwirizana kwa mabanki achikhalidwe ndi ngongole zachinsinsi sikungochitika chabe; ndizochitika zatsopano. Kupambana kudzakhala kwa mabungwe omwe angathe kuthana ndi zovutazo, osati likulu lokha. "

Tsogolo Lili Lophatikizidwa

Kuyerekeza kwa $300 biliyoni pakuwonetseredwa kwa banki ku ngongole zachinsinsi pofika chaka cha 2025 ndikoposa ziwerengero; ndi chizindikiro cha kusintha kosatha m'dongosolo lazachuma. Mabanki omwe amayesa kuyendetsa izi ndi zida zachikale adzapeza kuti akulephera kugwira ntchito bwino komanso zoopsa zobisika. Njira yopita patsogolo imafuna njira yophatikizira yogwirira ntchito. Pogwiritsa ntchito nsanja yosinthika ngati Mewayz, mabanki amatha kuphatikizira mphamvu zawo zachikhalidwe ndi luso lazachuma lamakono. Izi zimawalola kuti asamangoyang'anira bwino mabizinesi awo omwe akukula bwino komanso kuti atsegule mwayi watsopano wakukula, kupanga bizinesi yokhazikika komanso yopindulitsa m'tsogolomu.

💡 DID YOU KNOW?

Mewayz replaces 8+ business tools in one platform

CRM · Invoicing · HR · Projects · Booking · eCommerce · POS · Analytics. Free forever plan available.

Start Free →

Mafunso Ofunsidwa Kawirikawiri

The Quiet Revolution: Momwe Mabanki Akusinthiranso Ngongole Yachinsinsi

Mawonekedwe amakampani akubwereketsa akusintha modabwitsa. Mabizinesi apadera azachuma komanso osabwereketsa omwe si mabanki, msika wangongole wapagulu tsopano ukuwona zotuluka zambiri kuchokera kugwero lodabwitsa: mabanki azikhalidwe zaku US. Kuwunika kwaposachedwa kwa ntchito zomwe mabanki aku US amapeza ngongole zachinsinsi zidzakwera mpaka $300 biliyoni pofika chaka cha 2025. Izi sizinthu zazing'ono; ndikusintha kofunikira kwa momwe chiwopsezo chimayendetsedwa komanso ndalama zoyendetsera ntchito. Mabanki salinso otsogolera kapena ogwirizana nawo muzochita izi; akukhala osewera akuluakulu, kukopeka ndi zokolola zambiri pamsika womwe uli ndi mpikisano. Kusunthaku, komabe, kumabweretsa zovuta zatsopano zogwirira ntchito, zomwe zimafuna kuchuluka kwachangu komwe machitidwe ambiri amabanki amavutikira kupereka.

Chifukwa Chake Mabanki Akulowa mu Phukusi Lachinsinsi la Ngongole

Dalaivala kumbuyo kwa pivot ya $ 300 biliyoni iyi ndi kuphatikiza kwa zinthu zokankha ndi kukoka. Kwa zaka zambiri, mabanki akhala akukumana ndi malire pa ngongole zachikhalidwe, zofinyidwa ndi chiwongola dzanja chochepa komanso mpikisano waukulu. Ngongole yachinsinsi imapereka njira ina yokakamiza ndi kuthekera kwake kubweza ndalama zambiri. Kuphatikiza apo, mabizinesi akuluakulu akuchulukirachulukira pamsika wama bond, mabanki akuyang'ana ngongole zachinsinsi ngati njira yosungitsira maubale ndi makampani apakati omwe amafunafuna njira zosinthira, zongopeza ndalama zomwe zingaperekedwe. Kusunthaku kumalola mabanki kuti agwiritse ntchito ndalama zambiri mopindulitsa pomwe akutumikira gawo lofunikira lazachuma. Komabe, kuyang'anira katundu wosiyanasiyana komanso wovuta wa katundu wosakhazikika, wosakhazikika kumafuna njira yosiyana kwambiri yogwirira ntchito kusiyana ndi kulemba buku la ngongole zanyumba kapena bizinesi.

Zovuta Zogwirira Ntchito za Mtundu Wobwereketsa Wophatikiza

Kuphatikizira ngongole zachinsinsi muzachikhalidwe chamabanki sikophweka monga kulemba cheke. Katunduyu amabwera ndi zovuta zapadera zomwe zimayesa malire a zomangamanga wamba. Mkhalidwe womwewo wa ngongole zachinsinsi - kusowa kwake kokhazikika, njira zotsogola, ndi zofunikira zowunikira - kumabweretsa kusagwirizana kwakukulu. Mabanki tsopano akuyenera kuyang'anira ndi kuyang'anira kuchuluka kwa data, kuyambira pakutsata mapangano ndi ndandanda yakuyimbira ndalama mpaka mathithi ovuta komanso oponya ndalama. Kudalira machitidwe a siled, ma spreadsheets apamanja, ndi njira zoyankhulirana zosalumikizidwa ndi njira yopezera zolakwika, kuchedwa, ndi mwayi wophonya. Zovuta zazikulu ndi izi:

Kuyenda pa New Terrain ndi Modular Business OS

Kuti achite bwino m'malo atsopanowa, mabanki amafunikira maziko ogwirira ntchito omwe ali osunthika ngati chuma chomwe akupeza. Apa ndipamene njira yamakono, yosinthika pamachitidwe abizinesi imakhala yofunika. Modular bizinesi OS ngati Mewayz imagwira ntchito ngati njira yayikulu yoyendetsera zovuta zachuma. M'malo mokakamiza makalasi azinthu zatsopano kukhala machitidwe akale, okhwima, Mewayz amapereka nsanja yogwirizana yomwe ingagwirizane ndi kayendetsedwe kake ka kayendetsedwe ka ngongole zachinsinsi. Imaphwanya ma silos a data, imapanga ntchito zobwerezabwereza, ndipo imapereka kuwonekera kofunikira kuti mupange zisankho zodziwitsidwa mwachangu. M'malo mwake, zimapatsa mabungwe azachuma mphamvu yopikisana ndi makampani ongongoleredwa abizinesi pomwe akukhalabe ndi ulamuliro wamphamvu womwe umayembekezeredwa ndi banki yoyendetsedwa.

Tsogolo Lili Lophatikizidwa

Kuyerekeza kwa $300 biliyoni pakuwonetseredwa kwa banki ku ngongole zachinsinsi pofika chaka cha 2025 ndikoposa ziwerengero; ndi chizindikiro cha kusintha kosatha m'dongosolo lazachuma. Mabanki omwe amayesa kuyendetsa izi ndi zida zachikale adzapeza kuti akulephera kugwira ntchito bwino komanso zoopsa zobisika. Njira yopita patsogolo imafuna njira yophatikizira yogwirira ntchito. Pogwiritsa ntchito nsanja yosinthika ngati Mewayz, mabanki amatha kuphatikizira mphamvu zawo zachikhalidwe ndi luso lazachuma lamakono. Izi zimawalola kuti asamangoyang'anira bwino mabizinesi awo omwe akukula bwino komanso kuti atsegule mwayi watsopano wakukula, kupanga bizinesi yokhazikika komanso yopindulitsa m'tsogolomu.

Pangani Bizinesi Yanu OS Lero

Kuchokera kwa odziyimira pawokha mpaka mabungwe, Mewayz imapatsa mphamvu mabizinesi 138,000+ okhala ndi ma module 208 ophatikizika. Yambani mwaulere, sinthani mukakula.

Pangani Akaunti Yaulere →