Mhedziso liquidity reshiyo - chinokosha chokukomborerwa nekambani solvency

Ruzhinji akaitwa mukufamba bhizimisi rayo anotarisana yokuti ivo vakaumba zvimwe zvikwereti chikwereti kuna zvikwereti masangano, bhizimisi, hurumende nevamwe vatambi. Chikamu chikwereti ichi kwenguva refu, kazhinji zvikwereti-refu. Zvisinei, kakawanda chikwereti pfupi aumbwa, iyo kambani anofanira abhadhare munguva yemberi iri pedyo. Zviri pachena kuti sangano anofanira kuva nzira kudaro, uye ivo vanofanira kuva kwakakwana. Kuongorora mamiriro acho ezvinhu, ndiwo kuwanikwa uye adequacy zvimwe zvinhu kusangana okukurumidzira chikwereti vanofungidzira liquidity wekambani. Kakawanda, nokuti Kuongororwa yekuverenga zvinhu zvinoverengeka. Tikanyatsotevera kufunga coefficient kuti mhedziso liquidity, uye kuno rumwe mazwi achamira usanyanye zvizere.

Mhedziso liquidity reshiyo inechirevo papi kukurumidza zvikwereti ane zvebhizimisi kufukidzwa kupfuura mvura zvinhu. Nemamwe mashoko, chakarurama ichi chinoratidza sei kuzvipira zvakasimba kubhadhara pakarepo. Kazhinji, kuti liquidity reshiyo iri pakutsvaga quotient emura zvinhu kuti mamiriro munataisireva. Kana mwero liquidity reshiyo kuti haabatanidzi pfuma chero pachava chete zvachose emura yesangano, ipapo pakupedzisira tinowana nemhedziso liquidity reshiyo.

The maitiro kukosha chakarurama ichi vanogona kunzi ndokunge chaizvo. Chokwadi kuti mabhizimisi uchishanda dzakabudirira upfumi, anofanira kufukidza pamusoro kota chikwereti chayo tichiregeredza of iripo mari uye mvura pfupi izwi upfumi. Zvisinei, zvipfuwo yemakambani mufananidzo uyu hazvirevi kusvika zvinenge kumbobvira ari panguva anenge 0.1.

Zvinofanira kufunga chii pfuma rwuripowo reshiyo kukarukureta. With mari zvose zviri pachena, chero zvazvingava vachava zvachose mvura. Kana upfumi, hazvina pachena kudaro. Nezvikonzero zvinoverengeka, vamwe upfumi arege zvachose emura, zvichireva kuti havagoni kuva dzemaitirwe iri reshiyo, sezvo kambani havazokwanisi kudzokera navo zvokukurumidzira zvikwereti.

chinhu ichi ane zvikuru kwazvo inoshanda kukosha. Chokwadi chokuti rinobatanidza kwenguva pfupi munataisireva uye kuti zvinhu, nokuda iyo sungiro izvi uye akafukidzwa. Nemamwe mashoko, kushaya mari kupfuura zvakananga uchapupu matambudziko solvency of vachida. Uyezve, mabhanga mazhinji kufungawo chinhu pamusoro kwakakwana liquidity kana kusarudza chikwereti, zvingava zvinokosha kuti sangano.

Kana zvebhizimisi pane kushayikwa liquidity, zvingava kuti kurera mari. Saka pasi kuunganidza kwaireva Kuziva vakaumba mumatanda. Chokwadi, ichi ndicho zvikuru kukurusa nechiyero, asi kana tine kushandisa nayo, zvinokurudzirwa kuverenga liquidity reshiyo pakuunganidza kufungidzira mugove chikwereti kuti achapiwa kubhadharwa kuti kupiwa oparesheni.

Cherechedza zvakare chokwadi chokuti liquidity kuongorora dzaona mamwemazwi uye zvenguva unhani unongotaura. Wokutanga rinotsanangura kuchengeteka izwi munataisireva kuitika yesangano, uye wechipiri - zvakafanana yesangano, asi dzakakudzingai reserves.

Hazvina kukwana kungoti kuverenga zvimwe liquidity ratios. Zvakakosha kutsanangura zvose zviratidzo izvi, uye makore zvichida mashoma, uye ipapo kuongorora simba. Kunyange kana uwandu vari zvisingatomboiti pamwero, asi ane kunaka kuitika, zviri mukana kufungisisa Kudzikamiswa zvinhu zvemari.