{"id":6831,"date":"2024-03-28T19:15:12","date_gmt":"2024-03-28T19:15:12","guid":{"rendered":"https:\/\/phc24.yourcode-staging.com\/pt\/artigo\/5-regras-para-otimizar-a-gestao-de-tesouraria-da-sua-empresa\/"},"modified":"2024-07-19T11:15:10","modified_gmt":"2024-07-19T11:15:10","slug":"5-regras-para-otimizar-gestao-de-tesouraria-da-empresa","status":"publish","type":"artigo","link":"https:\/\/phcsoftware.com\/pt\/artigo\/5-regras-para-otimizar-gestao-de-tesouraria-da-empresa","title":{"rendered":"5 regras para otimizar a gest\u00e3o de tesouraria da sua empresa"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_image=&#8221;https:\/\/phcsoftware.com\/pt\/wp-content\/uploads\/sites\/3\/2024\/03\/contabilidade_financas.jpg&#8221; bg_position=&#8221;left top&#8221; background_image_loading=&#8221;default&#8221; bg_repeat=&#8221;no-repeat&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;7%&#8221; constrain_group_1=&#8221;yes&#8221; bottom_padding=&#8221;7%&#8221; left_padding_desktop=&#8221;5%&#8221; constrain_group_2=&#8221;yes&#8221; right_padding_desktop=&#8221;5%&#8221; right_margin=&#8221;0&#8243; top_margin_phone=&#8221;20%&#8221; text_color=&#8221;light&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;10px&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; color_overlay=&#8221;#383838&#8243; overlay_strength=&#8221;0.8&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;center&#8221; phone_text_alignment=&#8221;center&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;2\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][vc_column_text]Artigo[\/vc_column_text][vc_column_text]\n<h2>5 regras para otimizar a gest\u00e3o de tesouraria da sua empresa<\/h2>\n[\/vc_column_text][\/vc_column][vc_column column_padding=&#8221;padding-10-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;left&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;3%&#8221; left_padding_desktop=&#8221;5%&#8221; constrain_group_2=&#8221;yes&#8221; right_padding_desktop=&#8221;5%&#8221; left_padding_tablet=&#8221;0%&#8221; constrain_group_4=&#8221;yes&#8221; right_padding_tablet=&#8221;0%&#8221; left_padding_phone=&#8221;0%&#8221; constrain_group_6=&#8221;yes&#8221; right_padding_phone=&#8221;0%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;2\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221; class=&#8221;linhaTempoLeitura&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;horizontal&#8221; column_element_alignment=&#8221;center&#8221; column_element_spacing=&#8221;50px&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][vc_column_text]27 de Outubro 2023[\/vc_column_text][vc_column_text]Tempo de leitura: 5min[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][divider line_type=&#8221;No Line&#8221; custom_height=&#8221;25px&#8221;][vc_column_text]Dada a incerteza ainda vivida no mercado e as proje\u00e7\u00f5es econ\u00f4micas inst\u00e1veis ap\u00f3s um ano de pandemia, a medida mais adequada a tomar para garantir a sobreviv\u00eancia empresarial \u00e9 realizar um controlo cuidadoso do fluxo de caixa. Facto que confirma que a sa\u00fade financeira de qualquer empresa est\u00e1 baseada na gest\u00e3o transparente da sua tesouraria.<\/p>\n<p>O que \u00e9 conhecido como fluxo de caixa\/saldo final (indicador que se refere \u00e0s sa\u00eddas e entradas l\u00edquidas de dinheiro que uma empresa ou projeto tem num determinado per\u00edodo) \u00e9 atualmente a chave para a sobreviv\u00eancia de muitas empresas no mundo.<\/p>\n<p>\u00c9 por esta raz\u00e3o que o objetivo hoje \u00e9 garantir a liquidez das empresas, atrav\u00e9s de uma gest\u00e3o de tesouraria adequada que lhes permita cumprir os compromissos que t\u00eam com terceiros.<\/p>\n<p>\u00c9 esta liquidez que nos permitir\u00e1 cumprir com as nossas obriga\u00e7\u00f5es e nos impedir\u00e1 de entrar numa espiral de informa\u00e7\u00f5es negativas, por perda de imagem reputacional, incumprimento de compromissos e at\u00e9 mesmo deteriora\u00e7\u00e3o das classifica\u00e7\u00f5es de cr\u00e9dito das institui\u00e7\u00f5es financeiras.<\/p>\n<h2><strong>4 passos para garantir a liquidez da sua empresa<\/strong><\/h2>\n<ul>\n<li>Rever o circuito financeiro de gest\u00e3o de caixa;<\/li>\n<li>Avaliar os impactos gerados pela crise em cada um dos processos de gest\u00e3o de caixa;<\/li>\n<li>Avaliar as medidas tomadas at\u00e9 ao momento;<\/li>\n<li>Avaliar poss\u00edveis medidas de controlo para garantir o fluxo de caixa e estabilidade em situa\u00e7\u00f5es futuras.<\/li>\n<\/ul>\n<p>E tudo isto \u00e9 poss\u00edvel atrav\u00e9s da implementa\u00e7\u00e3o de ferramentas digitais, como o ERP, que garantem o m\u00e1ximo controlo e registo rigoroso da informa\u00e7\u00e3o gerada pela tesouraria\/administra\u00e7\u00e3o de uma empresa, reduzindo custos, recursos e tempo.<\/p>\n<p>No entanto, nem sempre \u00e9 f\u00e1cil manter a tesouraria de uma empresa atualizada, especialmente quando as pr\u00e1ticas antigas est\u00e3o a arrastar-se e a tecnologia n\u00e3o est\u00e1 a ser usada ou est\u00e1 no 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(max-device-width:1200px){#sf3z5ab850a72c7bda342f8382b919f919a1e564c089524fdd92803983e169148482 #signupMainDiv{width:600px !important;min-width:600px !important;margin: 0px auto !important;}}\/* iPads*\/@media only screen and (min-width : 768px) and (max-width : 1024px){#sf3z5ab850a72c7bda342f8382b919f919a1e564c089524fdd92803983e169148482 #signupMainDiv{width:500px !important;min-width:240px !important;margin: 0px auto !important;}#sf3z5ab850a72c7bda342f8382b919f919a1e564c089524fdd92803983e169148482 #captchaDiv{width:86.8% !important;}#sf3z5ab850a72c7bda342f8382b919f919a1e564c089524fdd92803983e169148482 #relCaptcha{margin-right:12px !important;}#sf3z5ab850a72c7bda342f8382b919f919a1e564c089524fdd92803983e169148482 .recaptcha{transform:scale(0.90);-webkit-transform:scale(0.90);transform-origin:50% 50%;-webkit-transform-origin:0 0;}}\/*** RESPONSIVE END *\/#sf3z5ab850a72c7bda342f8382b919f919a1e564c089524fdd92803983e169148482 .bdr_btm_hover{background-color:#f9f9f9; padding:10px;}#sf3z5ab850a72c7bda342f8382b919f919a1e564c089524fdd92803983e169148482 .bdr_btm{padding:10px }#sf3z5ab850a72c7bda342f8382b919f919a1e564c089524fdd92803983e169148482 .f14{font-size:14px}<\/style>\n<p><a tabindex=\"-1\" href=\"https:\/\/phccs.net\/cursos\/domine-a-tesouraria-com-phccs\/\">\u00a0<\/a><\/p>\n<h3><a href=\"https:\/\/phccs.net\/cursos\/domine-a-tesouraria-com-phccs\/\"><br \/>\n<b>Quer dominar a Gest\u00e3o da Tesouraria?<br \/>\nNova forma\u00e7\u00e3o PHC CS <\/b> <\/a><\/h3>\n<h2>Por onde come\u00e7ar a organizar a gest\u00e3o de tesouraria<\/h2>\n<p>O efeito e a imprevisibilidade da dura\u00e7\u00e3o da pandemia na sa\u00fade financeira das empresas portuguesas resultaram num agravamento expect\u00e1vel do volume de neg\u00f3cios, liquidez e rentabilidade das PME. De acordo com a not\u00edcia do jornal digital\u00a0<a href=\"https:\/\/www.dinheirovivo.pt\/economia\/endividamento-das-pme-dispara-com-a-pandemia-13615632.html\" target=\"_blank\" rel=\"noopener\">Dinheiro Vivo<\/a>, avan\u00e7ada primeiramente pelo Jornal de Neg\u00f3cios, o valor em d\u00edvida destas empresas \u00e0 banca em fevereiro, subiu 11,8%, em termos anuais, o ritmo mais acelerado desde 2008, ano do in\u00edcio da s\u00e9rie estat\u00edstica do Banco de Portugal. Efeitos inevit\u00e1veis que aceleraram o endividamento e que comprometeram, simultaneamente, a boa gest\u00e3o e organiza\u00e7\u00e3o de tesouraria.<\/p>\n<p>Com o aumento das PME a recorrerem a empr\u00e9stimos, ou a medidas de apoio do Governo para assegurar a sua atividade, \u00e9 crucial que os gestores, de forma a fortalecerem a e contribu\u00edrem para a autonomia financeira das empresas, implementem provid\u00eancias de controlo focadas em boas pr\u00e1ticas e na eficiente gest\u00e3o dos processos operacionais de tesouraria. A quest\u00e3o ent\u00e3o \u00e9: o que devo fazer para garantir a boa gest\u00e3o da tesouraria da minha empresa?<\/p>\n<p>Como explica o professor universit\u00e1rio Fc. Xavier Olsina, no livro \u00abGest\u00e3o de Tesouraria, otimizando os fluxos monet\u00e1rios\u00bb, diariamente s\u00e3o tomadas decis\u00f5es de tesouraria que afetam diretamente a demonstra\u00e7\u00e3o de resultados e, por sua vez, a sua evolu\u00e7\u00e3o positiva depende de uma boa gest\u00e3o e da respetiva tomada de decis\u00e3o. No entanto, existem regras gerais que s\u00e3o essenciais para uma gest\u00e3o e devem ser colocadas em pr\u00e1tica. S\u00e3o elas:<\/p>\n<h3>1# Fa\u00e7a um or\u00e7amento preciso<\/h3>\n<p>\u00c9 a \u00fanica forma existente de garantir que temos o necess\u00e1rio para o \u00f3timo desenvolvimento do neg\u00f3cio. Este documento, que deve ser realizado mensalmente, deve contemplar as vendas realizadas, as faturas, os pagamentos a clientes e fornecedores e o pagamento de d\u00edvidas financeiras e empr\u00e9stimos comerciais.<\/p>\n<h3>2# Tenha uma boa carteira de clientes<\/h3>\n<p>\u00c9 fundamental trabalhar com clientes que realizam seus pagamentos em prazos curtos, ou seja, n\u00e3o ultrapassam 30 dias. Podemos, da mesma forma, trabalhar com clientes que solicitam prazos mais longos para liquida\u00e7\u00e3o de faturas, mas estes n\u00e3o devem ser a maioria. Com isto, garantimos que m\u00eas a m\u00eas os compromissos da empresa s\u00e3o cumpridos.<\/p>\n<h3>3# Incentive o pagamento imediato<\/h3>\n<p>Esta estrat\u00e9gia n\u00e3o pode ser usada em todos os casos, mas quando for poss\u00edvel, fazer uso deste recurso ajuda a melhorar consideravelmente o fluxo de caixa. Para isso, podem ser oferecidos descontos e ofertas a quem l\u00edquida a sua fatura dentro de um determinado prazo m\u00ednimo, o que ajudar\u00e1 a manter os clientes motivados e com a liquidez necess\u00e1ria.<\/p>\n<h3>4# Use tecnologia<\/h3>\n<p>A tecnologia foi criada para tornar os processos mais simples, o que tamb\u00e9m se aplica na gest\u00e3o de tesouraria, uma vez que a automatiza\u00e7\u00e3o desta \u00e1rea permite ter uma vis\u00e3o detalhada de cada elemento que a engloba. Al\u00e9m disso, podemos otimizar tarefas e procedimentos rotineiros, programar pagamentos, controlar os movimentos das diferentes contas e obter informa\u00e7\u00f5es financeiras relevantes que nos auxiliem na tomada de decis\u00f5es.<\/p>\n<h3>5# Refinanciar d\u00edvidas apenas se necess\u00e1rio<\/h3>\n<p>Se os compromissos financeiros est\u00e3o a causar graves desequil\u00edbrios, a recomenda\u00e7\u00e3o \u00e9 consolidar os empr\u00e9stimos e as d\u00edvidas por meio de um novo cr\u00e9dito banc\u00e1rio. Isto permite aumentar os prazos de pagamento e reduzir os juros. No entanto, especialistas alertam que neste momento deve haver suporte financeiro profissional para n\u00e3o comprometer a vida da empresa ou entrar num ciclo de refinanciamentos sem fim.<\/p>\n<p>&nbsp;<\/p>\n<form action=\"https:\/\/phcs.maillist-manage.eu\/weboptin.zc\" method=\"POST\" target=\"_zcSignup\">\n<h1 style=\"margin-bottom: 0px; padding: 20px; font-family: Arial; font-size: 20px; color: #ffffff; background-color: #eb0029; border: 1px none #e06666;\">Garanta que a sua empresa cumpre com as Obriga\u00e7\u00f5es Fiscais em 2022<\/h1>\n<p>Descarregue j\u00e1 o Calend\u00e1rio das Obriga\u00e7\u00f5es Fiscais de 2022Nome\u00a0*<input style=\"font-family: Arial; font-size: 12px; background-color: #ffffff; color: #000000; border-color: #dedede; padding: 2px; width: 543.193px; text-indent: 5px; height: 28px;\" maxlength=\"100\" required=\"true\" type=\"text\" value=\"\" \/>\u00a0Cargo\u00a0<label><input style=\"margin-top: 5px; vertical-align: bottom; padding-right: 10px; padding-left: 10px; width: auto; display: inline !important;\" type=\"radio\" value=\"\" \/>CEO<\/label><label style=\"margin-left: 10px;\"><input style=\"margin-top: 5px; vertical-align: bottom; padding-right: 10px; padding-left: 10px; width: auto; display: inline !important;\" type=\"radio\" value=\"\" \/>T\u00e9cnico(a)<\/label><label style=\"margin-left: 10px;\"><input style=\"margin-top: 5px; vertical-align: bottom; padding-right: 10px; padding-left: 10px; width: auto; display: inline !important;\" type=\"radio\" value=\"\" \/>Diretor(a)<\/label><label style=\"margin-left: 10px;\"><input style=\"margin-top: 5px; vertical-align: bottom; padding-right: 10px; padding-left: 10px; width: auto; display: inline !important;\" type=\"radio\" value=\"\" \/>Manager<\/label><label style=\"margin-left: 10px;\"><input style=\"margin-top: 5px; vertical-align: bottom; padding-right: 10px; padding-left: 10px; width: auto; display: inline !important;\" type=\"radio\" value=\"\" \/>Trainee<\/label>\u00a0\u00a0Departamento\u00a0<label><input style=\"margin-top: 5px; vertical-align: bottom; padding-right: 10px; padding-left: 10px; width: auto; display: inline !important;\" type=\"radio\" value=\"\" \/>Marketing e Vendas<\/label><label style=\"margin-left: 10px;\"><input style=\"margin-top: 5px; vertical-align: bottom; padding-right: 10px; padding-left: 10px; width: auto; display: inline !important;\" type=\"radio\" value=\"\" \/>Financeiro<\/label><label style=\"margin-left: 10px;\"><input style=\"margin-top: 5px; vertical-align: bottom; padding-right: 10px; padding-left: 10px; width: auto; display: inline !important;\" type=\"radio\" value=\"\" \/>Recursos Humanos<\/label><label style=\"margin-left: 10px;\"><input style=\"margin-top: 5px; vertical-align: bottom; padding-right: 10px; padding-left: 10px; width: auto; display: inline !important;\" type=\"radio\" value=\"\" \/>IT<\/label><label style=\"margin-left: 10px;\"><input style=\"margin-top: 5px; vertical-align: bottom; padding-right: 10px; padding-left: 10px; width: auto; display: inline !important;\" type=\"radio\" value=\"\" \/>Suporte<\/label><label style=\"margin-left: 10px;\"><input style=\"margin-top: 5px; vertical-align: bottom; padding-right: 10px; padding-left: 10px; width: auto; display: inline !important;\" type=\"radio\" value=\"\" \/>Outro<\/label>\u00a0\u00a0Email\u00a0*<input style=\"font-family: Arial; font-size: 12px; background-color: #ffffff; color: #000000; border-color: #dedede; padding: 2px; width: 543.193px; text-indent: 5px; height: 28px;\" maxlength=\"100\" required=\"true\" type=\"email\" value=\"\" \/><\/p>\n<p>*Campos de preenchimento obrigat\u00f3rio<input style=\"vertical-align: middle;\" type=\"checkbox\" value=\"PRIVACY_AGREED\" \/>Li e aceito, a\u00a0<a href=\"https:\/\/phcsoftware.com\/politica-de-privacidade\/\" target=\"_blank\" rel=\"noopener\">Politica de Privacidade<\/a>\u00a0e os\u00a0<a href=\"https:\/\/phcsoftware.com\/politica-de-privacidade\/\" target=\"_blank\" rel=\"noopener\">Termos e Condi\u00e7\u00f5es de uso<\/a>\u00a0<input style=\"font-family: Arial; font-size: 14px; border-width: 5px; border-color: #eb0029; background-position: center bottom; background-repeat: repeat-x; appearance: none; padding: 5px 15px; width: auto; white-space: normal; outline: none medium; border-radius: 3px; display: inline !important;\" type=\"button\" value=\"Descarregar Calend\u00e1rio\" \/><\/p>\n<\/form>\n<h2>Software para otimizar ainda mais a gest\u00e3o de tesouraria<\/h2>\n<p>O software \u00e9 um dos v\u00e9rtices a ser levado em conta em qualquer \u00e1rea de neg\u00f3cio, e a tesouraria n\u00e3o foge dessa realidade. A implementa\u00e7\u00e3o de ferramentas digitais facilita muito a realiza\u00e7\u00e3o de processos nos quais devemos ter um controlo meticuloso, gra\u00e7as \u00e0 integra\u00e7\u00e3o com todas as \u00e1reas da empresa, economizando tempo e recursos valiosos simultaneamente. Mas, quais s\u00e3o os procedimentos que ele realmente cobre?<\/p>\n<p>+ Gest\u00e3o di\u00e1ria de tesouraria, incluindo caixa e bancos:\u00a0d\u00edvidas, cobran\u00e7as, pagamentos, contas correntes, dinheiro e bancos num s\u00f3 lugar. Podemos controlar todas as opera\u00e7\u00f5es di\u00e1rias e cada um dos movimentos monet\u00e1rios que se registam dia a dia na empresa, \u00e0 dist\u00e2ncia de um clique.<\/p>\n<p>+ Gest\u00e3o banc\u00e1ria e concilia\u00e7\u00e3o dos extratos:\u00a0\u00e9 poss\u00edvel controlar os respetivos saldos das contas banc\u00e1rias, individualmente e no seu conjunto, tendo sempre a veracidade dos saldos garantida gra\u00e7as \u00e0 simplicidade e rigor na concilia\u00e7\u00e3o dos extratos.<\/p>\n<p>+ Gest\u00e3o de previs\u00f5es e or\u00e7amentos de tesouraria:\u00a0a implementa\u00e7\u00e3o do software permite tamb\u00e9m ter uma vis\u00e3o geral da tesouraria, por per\u00edodo e por cada conceito pr\u00e9-determinado de acordo com as necessidades do neg\u00f3cio. Obtendo, desta forma, previs\u00f5es mensais, por exemplo, de vendas, sal\u00e1rios e custos fixos e ainda fazer compara\u00e7\u00f5es deste tipo com anos anteriores, entre outras, que permitem ganhar rigor e controlo.<\/p>\n<p>Al\u00e9m disso, os benef\u00edcios s\u00e3o incalcul\u00e1veis. Ao n\u00edvel do gestor, contar com um software de gest\u00e3o de tesouraria permite:<\/p>\n<ul>\n<li>Controlar rigorosamente o seu dinheiro;<\/li>\n<li>Gerenciar a tesouraria de forma profissional e integrada;<\/li>\n<li>Fazer uma gest\u00e3o banc\u00e1ria mais simples e precisa;<\/li>\n<li>Simular futuras situa\u00e7\u00f5es financeiras;<\/li>\n<li>Acompanhar de perto a evolu\u00e7\u00e3o do seu neg\u00f3cio atrav\u00e9s da an\u00e1lise gr\u00e1fica do controlo de receitas e despesas;<\/li>\n<li>Monitorizar d\u00edvidas e cobran\u00e7as;<\/li>\n<li>Realizar concilia\u00e7\u00f5es banc\u00e1rias mais simples e r\u00e1pidas, mesmo em moeda estrangeira, por meio do resumo de cada extrato banc\u00e1rio;<\/li>\n<li>Efetuar cobran\u00e7as por banco, com possibilidade de escolha de movimentos a partir de contas correntes dos clientes;<\/li>\n<li>Gerenciar contas de dep\u00f3sito; etc.<\/li>\n<\/ul>\n<p>Face ao atual cen\u00e1rio, em que a incerteza faz parte do mercado, \u00e9 necess\u00e1rio ter um controlo rigoroso do seu dinheiro. Uma realidade poss\u00edvel atrav\u00e9s de o PHC CS, software de gest\u00e3o financeira empresarial que centraliza todas as informa\u00e7\u00f5es realmente importantes de forma a concretizar uma vis\u00e3o global da situa\u00e7\u00e3o financeira do seu neg\u00f3cio.[\/vc_column_text][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; 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