Solvency chiŵerengero. chilinganizo bwino

Solvency wa kampani - khalidwe waukulu umene uli udindo mogwirizana ndi ndalama, mabungwe banki, obwereketsa. Pakuti chithunzi ichi amatilola kulankhula zokhuza kuthekera ngongole yake.

Solvency koyefishienti (chilinganizo chimene ali mitundu angapo), malinga ndi chikhalidwe cha bungwe, masamu mu njira zingapo. Choncho, mawerengedwe a chiŵerengero ichi pali njira ina, koma kupanga malo malonda pa - wina.

solvency chiŵerengero (tikutsata ndondomeko za kampani yopanga)

mawerengedwe Izi zikhoza kupangidwa, ndi kampani mawu chuma (muyezo pepala). Ndondomeko ndi wosavuta ndi kuchita masamu kuti chiŵerengero cha chilungamo ndi ngongole pa pepala bwino.

Lopita nayenso - oyera awo ndalama, omwe mukugwira nawo bizinesi, ukonde wa nkhani sonyezani, yochepa ndi ngongole nthawi yaitali.

The koyefishienti wa solvency la kumalo a ntchito, chilinganizo cha chomwe chili pamwamba, nayenso amakhala ku mawerengedwe a chuma panopa ndi panopa. Chamene lagona pa chuma panopa, chifukwa mwa iwo ngati n'koyenera, mukhoza kulipira ngongole kapena kulipira chilichonse.

Chitsanzo cha mawerengedwe a koyefishienti wa

Kukhala bwino kumalo a ntchito, ife athanso kuwerengera solvency chiŵerengero. Chilinganizo ntchito kuti tikuonera m'nkhani. Izi ndi izi:

chuma ndi ziwerengero zotsatirazi: kampani ndalama ofesi - 1000 rubles pa panopa bwino nkhani - 10 000, katundu zilipo kwa Uwerenge 10 000 rubles, zida mafakitale - 100 000 rubles. shopu malo - 100 000 rubles. Motero, tili ndi chuma ofunika 221.000 rubles.

The ngongole bwino: ovomerezeka likulu - 100 000 rubles, ngongole akuti (monga mawerengedwe a bajeti malipilo) - 40 000 rubles, ngongole yochepa (ngongole kwa chaka chimodzi) - 60 000 rubles, ngongole nthawi yaitali - 21 000 rubles. Kusamala pepala okwana - 221 000 rubles.

Chitani kuwerengetsera: kuchokera ngongole bwino pepala limasonyeza kuti mtengo ukonde wa 100 000 rubles, onse - ichi ndi udindo wa kumalo a ntchito. Pankhaniyi, mawerengedwe idzakhala: 100 000/40 000 + 60 000 + 21 000 = 0,82. Izi zikusonyeza kuti ndalama zake, tikhoza kuphimba 82 peresenti ya kudzipereka kwathu.

Zochita njira imeneyi kuti chinthu lalikulu. Akatswiri lolunjika makamaka kakatundu dongosolo, chifukwa ntchito likulu ndi zosavuta kuzitsatira kuposa sanali kudzasintha.

Palinso imfa ya solvency koyefishienti amene chilinganizo kuchita masamu ntchito kusintha zazikulu solvency kwa nthawi zingapo. Izi zimathandiza kulankhula za chitukuko cha chizindikiro ichi mu kampani kwa nyengo malipoti.

Normative mfundo za koefishienti

Mwachidule mfundo khalidwe limene kupereka koyefishienti wa solvency. Ndondomeko linaŵerengera mtengo muyezo monga anthu a. Mlingo kwa kupanga ogwira ntchito ndi 0.5-0.8. Ngati n'chozama, kukongoza yotereyi ndi woopsa, pali chiopsezo cha ngongole sanali malipiro.

Makampani malonda ndi makampani mkulu liquidity (mabungwe kuyenda, makampani opereka chithandizo, makampani yomanga) mogwirizana ndi peculiarities wa malonda chinthu ichi chingakhale ponseponse mu 0.1-0.5.