Koefishienti wa liquidity ndi solvency

Pamaso chitani kuganizira mawu akuti "magawanidwe liquidity" ayenera kumvetsa kuti liwu ndi liquidity. Lingaliro la liquidity amatanthauza terminology zachuma. Izo zikutanthauza mphamvu mwamsanga kutembenuza chuma mu ndalama. Mu mawu ena - liquidity - negotiability ndalama. Koefishienti wa liquidity ndi solvency ndi zofunika makamaka kudziwa bata ndalama bungwe lirilonse, kuphatikizapo banki malonda.

Tikumbukenso kuti mawu akuti "liquidity" ndi akuti "alionse m'dzikoli pali" ngakhale consonance ndi matanthauzo osiyana. Liquidity amatanthauza luso n'kukhala ndalama kapena ndalama zofanana kwa alipire wa ngongole ndalama. zofunika kwambiri zapatsidwa kwa liwiro lidzasintha.

Popeza liquidity Mzimuyo mtendere wa ogwira wonse, chithunzi mu malo oyamba zofuna za ndalama, eni malonda, Ngopambana, etc.

Mawu akuti "otsika liquidity" akhoza kulankhula osati za kalembera nthawi kutembenuka, komanso pa mlingo zomvetsa kuti imakhudzana ndi amenewa kusintha. Mwachitsanzo, chinthu makamaka za chuma atathana ndi phindu mwadzina la 1 miliyoni. Mwezi angapatutse 700,000 okha ndalama weniweni.

Liquidity magawanidwe ndi zizindikiro zimene zimagwiritsidwa ntchito potaya luso bungwe kubwezera ngongole alipo mothandizidwa ndi chuma zilipo za kampaniyo.

Zochokera chakuti chuma ndi yodziwika ndi osiyana a liquidity, ndi ngongole kuti ndi maturities osiyanasiyana kudzipereka tsopano. Choncho, liquidity magawanidwe kulola kuti asa- numerically chiŵerengero chimodzimodzi cha mawu a kukwaniritsidwa udindo kwa kukwaniritsidwa kwa chuma ndi ngongole.

Taganizirani magawanidwe liquidity ntchito kumalo antchito omwe siaboma.

chiŵerengero Current, mwa kulankhula kwina, chivundikiro china. Ndi chiŵerengero ndalama zowonetseredwa ndi chiŵerengero cha chuma panopa ndi ngongole panopa (ngongole yochepa). Amasonyeza mphamvu bungwe la kuthetsa ake udindo ngongole pa nthawi ya mkombero kupanga. Quick chiŵerengero chinthu ndalama wofanana ndi chiŵerengero cha chuma kwambiri madzi panopa ndi ngongole panopa. Amasonyeza mphamvu bungwe la kuthetsa udindo wake ngongole pa nthawi ya mkombero kupanga ndi mavuto chichokera kugulitsa mankhwala yomalizidwa kapena uphungu.

Koyefishienti liquidity mtheradi chinthu ndalama wofanana ndi chiŵerengero cha ndalama yochepa ndalama ndi ndalama kwa ngongole panopa.

Dziwani kuti banki amafuna zifukwa zotsatirazi waukulu wa banki liquidity: liquidity pokha ndi liquidity udindo atathana yaitali ndipo ambiri liquidity chiŵerengero udindo atathana yaitali.

Ambiri lalikulu mabanki chovomerezeka ndi kudzudzula mfundo za banki liquidity zovuta kudziwa, popeza njira, kunyezimiritsa liquidity iwo akusiyanako chitsanzo muyezo. Choncho, magombe amenewa magawanidwe ndinu wamkulu pakuyenerera.

Ambiri, liquidity magawanidwe ndipo solvency wa gulu lirilonse amasonyeza kufunika mwadzina la angathe ogwira ntchito kuphimba ngongole panopa alipo chuma panopa. Kuona koefishienti ngati kugwirizana ndi ndalama nkhani ndiponso ntchito ndalama.