Kuongororwa creditworthiness wekambani: chete pamusoro zvakaoma

boka ose akatarisana tichikufunga yatinoona kutora imwe mari pamusoro chikwereti kuitira kuti mamiriro mabasa, kutenga michina zvinodhura kana kuti mamwe chinangwa chipi. Zviri pachena kuti kwete ose kambani vanofanira kupa chikwereti - makambani akasiyana mune dzimwe zviratidzo zvinoratidza boka uye uwandu pangozi rakavimbika iri urongwa zvikwereti. Munyaya ino tichataura pamusoro chii Kuongorora creditworthiness wekambani uye sei inopedzwa.

Chikwereti anogara chokuita nedzimwe ngozi, nokuti pane nguva dzose kungangoitika yokukundikana kudzokera mari nechikwereti. Kuti kuderedza ngozi iyi, huru mari masangano, vasati kupa chikwereti imwe kambani, aiitisa anonzi zvebhizimisi chikwereti kuongorora rokuongorora feasibility wokupa mari chikwereti wekambani. sarudzo iri kupa kana asiri urongwa chikwereti inobva nenyaya zvabuda, zvingadarowo kusarudza kuchinja chikwereti mazwi - kushandura chitsama chimbadzo, nesimba pamusoro chikwereti.

Analysis kuti chikwereti kunogona kuitwa kwete externally chete asiwo nechomukati. Ongorora creditworthiness zvinokwanisika uye zvakakodzera, sezvo unokubvumira kufanotaura pachine chisarudzo nemabhengi saka kufanoona kana kutarisira kukwezva kwokunze kupfuma. nzira iyi kazhinji akaita odhita wekambani, sezvo vanonyora mu pfungwa dzavo pamusoro mamiriro ezvinhu ose kambani.

Kubva inoshanda pfungwa nemaonero sangano mbiri kuongorora ndiyo kukarukureta ane zvishomanana parameters kwakavakirwa tsika izvo, uye akaumba munhu pfungwa nezvomukana kambani kuwana chikwereti:

1) The nhamba "Volume wokutengesa / kuitika zvinhu" - reshiyo ichi chinoratidza ukuru turnover uye, naizvozvo, kuti kushanda mashandisiro kuti achiparadzira yesangano iri kambani. The kumusoro nhamba - zvikuru zvinobudirira mabasa kambani hunobva, uye nokudaro, zvikuru rakavimbika zvinoita se chikwereti.

2) The nhamba "Volume wokutengesa / Nokutendeka" - chinoratidzwa kunyatsoshanda mashandisiro guru mvumo yacho vachida. Zvakare, kuti wakakwidzwa kukosha indekisi ichi, dzakanga ndiye creditworthiness wekambani.
Kana chekambani creditworthiness ongororo iri kuitwa "nokukurumidza", dzimwe nguva aihuitira maviri kumusoro-dzataurwa nenhamba. Zvisinei, nzira iyi - yakasimba nzira kukundikana, nekuti ongororo yakakwana inosanganisira kufunga dzimwe indices matatu:

3) The nhamba "kwenguva pfupi chikwereti / Equity" - kuratidza mwero mishumo zvavakanga vachida kuita kwayo chikwereti guru. The duku nhamba, nyore uchava kambani abhadhare ayo chikwereti.

4) The nhamba "receivables / kwemari" - unokubvumira kufungidzira mwero kuripwa chikwereti zvikwereti eungano. Zvinonzwisisika kuti zvinogona akakweretesa anofarira chokwadi nhamba iyi yakanga yakaderera zvichibvira, nokuti nokukurumidza chikwereti kune kambani dzikwanise mari, zvikuru rakavimbika chake chikwereti.

5) The nhamba "emura yesangano / pfupi-rokuti chikwereti" - kuratidza mwero mishumo boka iri kupfuura mvura yesangano vakawanda zvenzara ayo zvikwereti. The kumusoro nhamba - nani unonzwa yakasimba tichitarisa creditworthiness.

Chete mushure dzaona (kunyanya mumazuva okupedzisira mashoma apfuura) nhamba idzi, zvavakanga vachida kuita chikwereti kuongorora kwapera. Unogona ikozvino havana kutya kutora chisarudzo chokupa kambani chikwereti, nokuti akakweretesa anoziva zvose dzi uye outs nayo mari.