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如何填补企业的资金缺口
5 Steps To Shorten Your Cash Flow Conversion Period
在你的现金转换期缩小现金流量差的5步
A cash flow gap occurs when your cash inflows and cash outflows don't keep pace with each other, leaving your business short of cash.
在你的资金流入和资金流出有差额的时候就出现了资金缺口，这会让你的公司缺少资金。
This is an especially common problem for small businesses, where copious cash outflows may repeatedly preceded cash inflows; all kinds of expenses, from purchasing materials necessary to do the work through licensing or permit fees, may have to be paid out before your small business gets paid for the work completed.
这对所有的小企业来说是一个通病，资金的流出量总是大于资金流入量。各种各样的费用，从购买必备材料的费用，执照许可证费用都需要公司提前预付。
How do you close this cash flow gap and keep your business solvent?
怎样缩减这些现金流量额的差距来为公司找到出路呢？
Keep a close eye on your cash flow, so you can forecast potential cash flow problems and take steps to remedy them. One of the easiest ways to monitor your business' cash flow is to compare the total unpaid purchases to the total sales due at the end of each month. If the total unpaid purchases are greater than the total sales due, you'll need to spend more cash than you receive in the next month, indicating a potential cash flow problem.
密切关注你的现金流动，这样你才能提前预知现金流动的潜在问题，找到补救的方法。监视现金流动的一个最简单的方法就是每个月将总的未付货款和总的销售额做出对比。如果总的未付货款多于总的销售额的话，你在下个月支出的现金就会比的收到的多，这就会导致一个潜在的现金流动问题。
Take steps to shorten your cash flow conversion period, so your business can bring in money faster. These steps may include:
采取措施缩短你的现金流动期，这样你的企业才能更快的盈利，这些步骤包括：
1) Preparing customer invoices immediately upon delivery of your goods or services to the customer. If you wait to prepare your invoices at the end of the month, for example, you may be adding as many as 30 extra days to your cash flow conversion period!
在你将商品或服务提供给客户后马上开具发票。比如说，如果你想等到月底开发票的话，就会为你的现金流动期多加了30天。
2) Monitoring your customers' use of credit and adjusting their credit limits accordingly.
关注你的客户的信贷使用情况，并根据相关情况调整他们的信贷限额。
3) Offering customers a discount for paying their invoices early. For instance, if your usual policy is to have payments due in 30 days, offer a small discount such as 2 percent to customers who pay within 14 days.
为提早付款的客户提供折扣。比如说，如果你们公司的一般政策是在30天内付清应付款项，那么就为在14天内付清款项的客户提供2%的小优惠。
4) Establishing a deposit policy for works in progress. For example, if you deliver a service, such as software development, home repair, or landscaping, you can adopt a policy that customers pay a certain percentage of the total invoice up front before the job begins.
为在进度中的工程建立存款制度。比如，如果你提供的是软件开发，家庭维修，景观美化等服务，你可以建立一个这样的制度，让客户提前预付一部分定金。
5) Tracking your past-due accounts and actively pursuing collections. Most accounting software programs let you easily track past-due accounts, but you also need to have a clear process for pursuing collections. Such a process might involve sending out a series of letters letting your customer know that his or her account is past due and what steps will follow if he or she does not pay, such as turning the account over to a collection agency.
追踪你的逾期未付的款项，积极的追回这些货款。很多会计软件程序可以让你简单的追逐这些过期的款项，但是你也需要有一个明确的追踪计划。这计划包括给你的客户发邮件让他们知道自己有哪些过期的款项未付清，以及如果他们还未付款的话你们公司会采取什么样的措施，比如让讨债公司帮你追回这笔款项。
You have to have money coming in regularly to maintain an adequate cash flow for your business, not just endlessly streaming out. Monitoring your cash flow and taking steps to shorten your cash flow conversion period will go a long ways towards eliminating those dangerous cash flow gaps.
你必须要有定期的资金流入来维持你企业定期的现金流动，而不是无止尽的现金流出。监管你的资金流动，采取措施来缩短你的现金流动时期，这将大大有助于消除资金缺口。
(责编：baikinei)
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