💲 Definición de Recursos Financieros 💲

Para comenzar, podemos definir los recursos financieros, como todo activo de la empresa que contenga alto nivel de fluidez, entre los que podemos mencionar:

  • El dinero en efectivo
  • Las divisas
  • Las tenencias de acciones y bonos
  • Los créditos
  • Los depósitos en entidades financieras

Una de las formas más sencillas que tiene la empresa para poder generar este tipo de recursos, es por medio de:

  • La emisión de acciones
  • La venta de productos y servicio
  • Los préstamos solicitados
  • Los subsidios son algunas de las fuentes de recursos financieros

¿Cuáles son los tipos de recursos financieros?

Los recursos financieros se pueden dividir en dos, recursos propios y recursos ajenos, siendo de la siguiente manera:

1️⃣ Recursos Propios

Estos también son conocidos como patrimonio de la empresa, y se pueden definir como todos los que pertenecen de forma completa a la empresa.

Entre los recursos propios de una empresa podemos mencionar:

🔵 Dinero en efectivo

La ganancia que pueda ser utilizada para nuevas inversiones se conoce como dinero en efectivo. Este dinero siempre debe mantenerse en movimiento.

🔵 Inversores

Por lo general, las empresas cuentan con socios o accionistas, los cuales ayudan de forma directa a las inversiones de la empresa, lo que a su vez estará impulsando de forma directa al crecimiento de la misma.

Esta inversión, se puede ver en futuras acciones para los inversores.

🔵 Utilidades y reservas

El dinero que surge de la comercialización de bienes y servicios.

2️⃣ Recursos Ajenos

Estos están sujetos a la obligación de pago que posee la empresa, entre los que podemos mencionar:

🔵 Prestamos de acreedores y proveedores

Estos son Recursos Financieros que debe la empresa, bien sea a un proveedor o acreedor.

🔵 Créditos bancarios o privados

Una de las cosas más utilizadas por las empresas, son los créditos bancarios, ya que los mismos sirven para nuevas inversiones y mucho más, sin embargo, estas no dejan de ser deudas al banco, por ello entra en los recursos ajenos.

Estas deudas siempre vendrán acompañadas de una tasa de intereses por parte del banco.

recursos financieros

¿Cómo maneja de forma correcta los recursos financieros el departamento de RRHH?

1️⃣ Controla el fondo de maniobra

Una empresa en crecimiento debe tener en cuenta el capital que presenta, puesto que el mismo será el medio para realizar inversiones a corto, mediano y largo plazo, con los que podrás hacer crecer la empresa.

Este se convierte en uno de los Recursos Financieros más importantes, ya que en ocasiones no solo es usado como forma de inversión, sino que en cualquier tipo de emergencia las empresas pueden hacer uso de ésta.

 Estas bases financieras deben ser realmente sólidas para que el futuro de la empresa sea garantizado , y cuando hablamos de sólidas, no solamente poder contar con una capital alto, sino que esto involucra las decisiones que se puedan tomar en el departamento de Recursos Humanos.

2️⃣ Sé realista

El optimismo no siempre es el mejor amigo de las finanzas, ya que como de ellos depende el presente y futuro de la empresa, no podemos dejar las cosas al azar, el departamento de Recursos Humanos debe conocer las circunstancias en las que se encuentra la empresa.

El buen conocimiento de este departamento en cuanto a las finanzas de la empresa, permitirá realizar inversiones positivas, en donde no se arriesgue todo el capital de la empresa.

3️⃣ Gestiona a largo plazo

Recursos Humanos, debe trabajar gestiones a largo plazo, puesto que los planes a corto plazo no permiten el crecimiento real de la empresa. Los planes a largo plazo, son importantes para toda empresa, porque representan el crecimiento de la misma.

4️⃣ Diversifica las inversiones

Los Recursos Financieros no pueden quedarse sectorizados en uno solo, ya que eso sería crear un obstáculo para uno mismo, por lo tanto, se debe siempre de buscar diversificar los recursos, crear nuevas estrategias, buscar ingresos alternos y todo esto puede controlarlo el departamento de Recursos Humanos.

¿Cuáles son las claves para mejorar los recursos financieros de la empresa?

✔️ Reduce el ciclo de caja

El dinero no puede mantenerse improductivo, siempre debe estar en constante movimiento para la mejoría de la empresa.

Una de las formas más efectivas, es por medio de la disminución de los ciclos de caja ¿Qué son los ciclos de caja? Se conoce como ciclo de caja, al proceso en el que se le realiza el pago a los proveedores y se cobra a los clientes, por tanto, reducir el ciclo hará que se movilice más el dinero.

✔️ Crear una tesorería

Dentro de los departamentos de Recursos Humanos, existen personas encargadas de la tesorería de la empresa, esto siempre será de gran ayuda puesto que estarán generando un seguimiento dificultoso en cuanto a la recaudación y los pagos que se deben realizar internamente.

✔️ Analiza con frecuencia tu flujo de efectivo

El efectivo de una empresa es importante, ya que te puede ayudar a cubrir cualquier déficit de forma rápida, sin embargo, debes estar pendiente de ese flujo de efectivo, ya que no puedes quedarte sin efectivo jamás.

✔️ Haz uso de la tecnología

Empresas con departamentos de Recursos Humanos que lleven todo en un cuaderno gigante, son empresas que se han quedado estancadas en el pasado (al menos que sean normativas del estado), ya que  las nuevas tecnologías en la actualidad te permiten poder almacenar gran cantidad de información de forma rápida y sencilla .

El uso de la tecnología te ayudará a:

  • Aumentar la productividad de tu área de tesorería
  • Eliminar errores
  • Reducir costos
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