Solvency wa kampani: makhalidwe ndi solvency chiŵerengero

Solvency wa kampani - ndi luso la nkhani yeniyeni mu nthawi ndi mu zonse ngongoleyo. Ndi chinthu chachikulu wolunga ndi khola malo chuma bungwe lirilonse.

Solvency wa kampani mudzangokhala mfundo zotsatirazi.

Poyamba, kampani ali chuma (ie katundu ndi ndalama), zomwe yokwanira kulipira ngongole yanu kudzipereka onse alipo kampani.

Kachiwiri, mlingo wa liquidity wa chuma zilipo kampani, ayenera kokwanira kugwiritsa iwo ngati n'koyenera, kumasulira mu ndalama ndalama zimene chikukwanira kudzipereka alipire.

Kuti njira makonzedwe analimbikitsa kusanthula ndalama, mmodzi amene ali koyefishienti wa solvency. Tiyeni tione iwo mwatsatanetsatane.

Choyamba solvency chiŵerengero ayenera umalimbana kuphunzira za kupezeka kwa kampani likulu yekha. Ngati ogwira kulibe, ndiye gulu sadzatha kupereka udindo wake. Chotero kampani ndi zosungunulira yekha pa yochepa, modalira mangawa alipo. Koma posapita nthawi, izo mwina akhoza kuyembekezera bankirapuse.

Chachiwiri, molimbira solvency chiŵerengero - muyeso wa kupezeka kwa ndalama awo, mfundo imene wavomerezedwa ndi Office Federal kwa bankirapuse. Iwo masamu malinga ndi chilinganizo wapadera. Wa index chilungamo deducted mtengo wa katundu sanali panopa. Chiwerengero chifukwa lagawidwa ndi kuchuluka kwa chuma panopa. Khalidwe limeneli (oyenera) ayenera kukhala osachepera 0,1.

Koma pamaso pa katundu wa kampani zabwino ukonde si nthawi zonse anati kuti iye anali solvency wabwino. Popeza kuti kusanthula koyenera kwa wachiwiri, pamwamba, Factor - liquidity chuma.

kungakhale mosayembekezereka. Motero, pali zambiri mismatch pakati liquidity zilipo za chuma onse ndi maturities adziwitse udindo ngongole. Mwachitsanzo, kampani, pa dzanja limodzi, ali ndi gawo lalikulu la chuma sanali panopa, amene ali ovuta kukhazikitsa chifukwa iwo ali illiquid. Koma, Mosiyana, ali chiwerengero mkulu wa ngongole yochepa. Pankhaniyi, posapita nthawi akhoza kubwera nthawi pamene mabizinesi mulibe njira kulipira ngongole panopa. Pankhaniyi izo zidzakhala zofunikira kugwiritsa ntchito yapadera solvency chiŵerengero. Tikuyankhula zokhudza magawanidwe liquidity (kudya madzi ndipo, ndithudi, mtheradi).

zinthu zimenezi masamu pa mfundo yomweyo. N'komwe chiŵerengero cha chuma panopa chithunzi osiyanasiyana liquidity kuti udindo zilipo. Koma solvency chiŵerengero ndi a liquidity panopa adzakhala masamu kutenga nkhani zilipo chuma panopa, ndipo mwamsanga chiŵerengero - zochokera madzi chuma panopa. Kuwerengera chithunzi mtheradi potengera dongosolo la chuma kwambiri madzi (ndalama ndi yochepa chuma chuma).

atsogoleri Company muyenera kukumbukira kuti ngati magawanidwe liquidity adzakhala anaika mu ponseponse analandira mwalamulo, ndiye kampani imatengedwa wodalirika komanso wotukuka. Apo ayi kumafuna mawerengedwe kuvomerezedwa mphamvu kulipira kuchira.

Chifukwa, izo ziyenera kukhala wamba solvency chiŵerengero, okhoza amasonyeza kuti n'zotheka kampani kuphimba ngongole zake zonse (yaitali ndi waufupi) katundu alipo.