{"id":956,"date":"2015-06-05T06:44:38","date_gmt":"2015-06-05T06:44:38","guid":{"rendered":"http:\/\/ambitassessor.com\/blog\/?p=956"},"modified":"2015-06-05T10:58:32","modified_gmt":"2015-06-05T10:58:32","slug":"cash-flow-un-concepto-imprescindible","status":"publish","type":"post","link":"https:\/\/mgiambit.com\/blog\/cash-flow-un-concepto-imprescindible\/","title":{"rendered":"Cash Flow, un concepto imprescindible"},"content":{"rendered":"<p><b><i>Entender el cash flow para corregir los posibles problemas de caja<\/i><\/b><\/p>\n<p>Mi hija tiene una asignatura de iniciaci\u00f3n a la gesti\u00f3n de empresa. Desde luego considero imprescindible que los estudios superiores incorporen este conocimiento, pero mi mayor satisfacci\u00f3n es que adem\u00e1s le guste su contenido, porque la acerca un poco m\u00e1s a m\u00ed. La semana pasada me sorprendi\u00f3 con una pregunta: \u00bfQu\u00e9 es el cash flow?<\/p>\n<p>El Cash Flow (flujo de caja o flujo de efectivo) es un estado financiero que manifiesta las entradas y salidas de dinero que registra la actividad de una empresa en un periodo de tiempo. Para entenderlo es muy importante recordar que no todo lo que se vende se cobra al momento, ni todo lo que se compra se paga al contado, porque existe el cr\u00e9dito.<\/p>\n<p>Por eso en la actividad empresarial distinguimos dos corrientes, la econ\u00f3mica y la monetaria. La corriente econ\u00f3mica recoge la actividad que realizamos d\u00eda a d\u00eda, muy simplificado las ventas y las compras. La diferencia entre ventas y compras es el Resultado (beneficio o p\u00e9rdida). Si toda esa actividad la cobrara y pagara al contado ese Resultado ser\u00eda el dinero que tendr\u00eda en el banco (si es positivo) o que deber\u00eda al banco (si es negativo).<\/p>\n<p>Pero las empresas usan el cr\u00e9dito y eso cambia las cosas. Las empresas ayudan a sus clientes a pagar, d\u00e1ndoles plazos, por ejemplo, y tambi\u00e9n aplazan el pago a sus proveedores. Entonces si de las ventas resto las que no cobro y de las compras resto las que no pago al final tengo otro \u201cresultado\u201d muy diferente al anterior, es el dinero que he generado o necesitado en ese periodo, el saldo de mi banco.<\/p>\n<p>Creo que la mejor manera de abordar los problemas es crear modelos simples, y una vez comprendidos, darles poco a poco mayor complejidad. El anterior modelo es muy simple, pero creo que ayuda a comprender el concepto, ahora podr\u00edamos hacerlo m\u00e1s complejo, incorporando inversiones, administraciones p\u00fablicas, salarios, pr\u00e9stamos, p\u00f3lizas, leasings, rentings\u2026<\/p>\n<p>El cash flow puede explicar todas las entradas y salidas de dinero (lo llamamos caja por traducci\u00f3n literal del ingl\u00e9s) y nos ayuda a estructurar la mejor financiaci\u00f3n para nuestra empresa. Por eso el <b>Plan de Negocio siempre incluye el c\u00e1lculo del Cash Flow<\/b> del proyecto, determina las necesidades de tesorer\u00eda y propone como financiarlas.<\/p>\n<p>Cuenta con nosotros para desarrollar tu <a href=\"http:\/\/www.ambitassessor.com\/plan_de_negocios\/es\">#plandenegocio<\/a><\/p>\n<p><a href=\"http:\/\/es.linkedin.com\/pub\/pau-riera-rey\/1b\/47\/32\/\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" alt=\"linkedin\" src=\"https:\/\/ambitassessor.com\/blog\/wp-content\/uploads\/linkedin.jpg\" width=\"20\" height=\"20\" align=\"absmiddle\" \/><\/a> <a href=\"https:\/\/twitter.com\/paurierarey\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" alt=\"twittertop\" src=\"https:\/\/ambitassessor.com\/blog\/wp-content\/uploads\/twittertop.jpg\" width=\"20\" height=\"20\" align=\"absmiddle\" \/><\/a> <b>Pau Riera. \u00c1rea financiera<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Entender el cash flow para corregir los posibles problemas de caja Mi hija tiene una asignatura de iniciaci\u00f3n a la gesti\u00f3n de empresa. Desde luego considero imprescindible que los estudios superiores incorporen este conocimiento, pero mi mayor satisfacci\u00f3n es que adem\u00e1s le guste su contenido, porque la acerca un poco m\u00e1s a m\u00ed. La semana [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[1,2],"tags":[],"class_list":["post-956","post","type-post","status-publish","format-standard","hentry","category-sin-categoria","category-destacado"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cash Flow, un concepto imprescindible - Ambit Assessor<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mgiambit.com\/blog\/cash-flow-un-concepto-imprescindible\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cash Flow, un concepto imprescindible - Ambit Assessor\" \/>\n<meta property=\"og:description\" content=\"Entender el cash flow para corregir los posibles problemas de caja Mi hija tiene una asignatura de iniciaci\u00f3n a la gesti\u00f3n de empresa. 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