2023年5月28日

2023年5月28日12:00点奶农必须审查其田间现金流和提前计划,以减少“农业成本紧缩”的影响,将牛奶价格保持低位,因投入成本居高不下。这是根据马丁卷,高级商业技师学院的农业、食品和农村企业(CAFRE)。卷警告说,奶农在看到他们的利润缩水的风险在未来一年,如果投入成本不“控制”。最近几个月,牛奶价格支付给农民“显著下降”,卷说,虽然投入成本没有降低速度类似。这是一段时间后,饲料成本,增加化肥和燃料能源产出牛奶的价格和牲畜。然而,随着牛奶价格下降了价格和投入成本没有,现在是一个奶农的“适当的时间”审查他们的现金流,根据卷。“这是极其重要的,农民尽其所能管理他们的业务成本。一个有用的工具,奶牛场企业可以使用现金流计划,”卷说。现金流马丁卷现金流预测,卷说,应该为未来12个月进行,以确定是否需要采取行动,以确保足够的资金可以支付高额的投入成本。现金流预算应包括现实的估计水平的生产、价格和时间表。 Advertisement “Cash is essential for farms to operate and meet monthly running costs. Cashflow is simply the movement of money into and out of your business,” Reel said. “Cash is needed throughout the year but is not spread evenly across the months, as there are certain times when large expenses such as conacre or a contractor bill must be paid.” Reel also urges farmers to keep in mind that, if higher profits materialise, this usually means tax bills will also be higher. “Whilst looking at cashflow, it makes sense to review all expenditure, to ensure it is both absolutely necessary and good value for money,” he said. “A good starting point is to review your farm bank statements over the last year and use this to plan ahead. Ask yourself, what, if anything can be done without.” A cashflow budget highlights times in the year when borrowing money may be necessary to keep the business going until sufficient income is generated, Reel said. It can also show when peak borrowing will occur and this allows farmers to identify their maximum requirement for finance. “A bank overdraft is ideal for short term, flexible borrowing, but not for longer term or fixed borrowing,” Reel said. Financing the future Farmers should plan ahead and think of the future when making business decisions, like postponing major expenditures until prices improve. Advertisement “High interest charges and finance costs just add to the strain in difficult times,” Reel said. “Be aware of your overdraft situation and talk to your bank manager early if you are likely to exceed your overdraft limit. “The earlier financial issues are discussed, the more options there are to help resolve them.” Individual farms, Reel said, should identify essential and non-essential spending and prioritise areas where there is a return on investment. These areas include animal health and welfare, feed efficiency and soil management – for example, liming. “Protecting the core business should be paramount in volatile times so having a healthy herd and fertile soils will improve long-term resilience and enable the business to avail of improved market returns in the longer term,” Reel said. “Overall, there remains significant uncertainty around both farmgate prices and input costs and how this will impact farm businesses. “It is vital to look ahead, assess your cashflow and make a financial plan now.”