Recovery yevanhu solvency: payakavakirwa uye mharidzo kukarukureta

Solvency ndechimwe kiyi kuita zviratidzo eungano. Zvinoratidza boka kukwanisa kufukidza ayo mitoro.

Kukoshesa

Sezvo mashoko nokuda ongororo solvency nepakati papepa makabuda. Imwe yacho zvikuru ndechokuratidza vaongorore chekambani yesangano, munataisireva uye shareholders 'nokururama. Kuti uone parameters izvi zvakafanira kuongorora maumbirwo yesangano uye zvikwereti eungano, kuti asimbise padanho nepakati papepa liquidity. Uyezve, tinofanira kuita kuverenga uye nokuongorora pamusoro solvency ratios uye zvoupfumi kuenderera. ezvinhu zvemari Average kambani inozivikanwa nokuva wakanaka azvipire vanokwanisa kubhadhara mitoro. On kusingagutsi nzvimbo akati pasi coefficient dzekuvandudzwa solvency. Optimum riri kuonekwa nezvechisarudzo kana zvakasimba ane iripo kuti kuwana mari nokuda kwokuripirwa zvikwereti. Asi kambani anogona kuramba solvent, kunyange kana zvichiita kuti kuona zvinhu kubhadhara munataisireva. Panyaya iyi, mari angasava zvinowanikwa paImba kambani.

Kukosha Solvency kupora coefficient

Maererano Federal Mutemo "On Bankruptcy", pasi insolvency pamusoro zvebhizimisi vanofanira kunzwisisa pokushandisa nechikwereti kana dare nekusagona kusangana zvakazara zvinodiwa chikwereti, kana kuti kubhadhara zvaidiwa kubhadhara. Asati kuitwa mutemo uyu misi aiita imwe nzira kukudzwa wekambani kusauka. Kuonekwa sezvo kambani vakava sauka, zvakanga zvakafanira kuti kuverenga:

1. Coefficient nokudzorerwa solvency.
2. Chiyero zvachose liquidity.
3. Factor yokuva guta ravo vachishanda.

Liquidity ndiye anozivikanwa nekambani yesangano, zvakatemwa kubudikidza mukana Implementation yavo pfupi mumusika mutengo. Recovery yevanhu solvency wekambani anoita somunhu zvemari, mune zvoupfumi chakarurama inoratidza kambani kukwanisa kupinda padariro Zvakanyanya Kunaka Panguva Yepamuviri liquidity kwemwedzi mitanhatu panguva pachiyero pepa musi.

kupatsanura pakati midziyo

The kuparadzana chakavakirwa mwero liquidity. Midziyo inogona dzakakwirira, diki uye illiquid. Akwira anokudzwa:

1. Konekwa dzaiitwa zvokuvaka, zvivako, zvivako, midziyo, michina.
2. Bhuku chinokosha mumatanda uye nenhumbi mu dzokuchengetera.
3. Own migove kana kuchengetedzeka muridzi neHurumende.
4. Mari mubhangi nyaya.

Recovery yevanhu solvency: kuti nzira

Description of chinoratidza aripo ari methodological nzvimbo iyo anosarudza yera zvinhu ezvinhu uye varombo mamiriro ayo nemwero papepa. Gwaro racho muvigire mukana wokuti vanhu vanga naro kuwana apore nhamba solvency. The yemaitiro iri sezvinotevera: ba = (K1F + 6 / T (K1F - K1N)) / 2.

Mukana wokuti vanhu vanga aishandiswa liquidity reshiyo wekambani yayo Specification:

• chaiwo mufananidzo ndiwo mwero liquidity (pakupedzisira) - K1F;
• kwokutanga coefficient - K1N;
• indekisi maererano ndozvakajairwa - K1norm = 2;
• nguva yokuti nokudzorerwa solvency - 6 (nomwedzi.);
• kushuma nguva (dzaona mumwedzi.) - T.

A neyakarurama mugumisiro kunogona kuwanikwa kwenguva 4 kana kupfuura. Maererano nezvoupfumi, ari solvency coefficient dzekuvandudzwa hakusi oga chakarurama kuteverwa.

Recognition kusingagutsi Chiyero mamiriro

Munguva pachisara zvaionekwa kuti zvebhizimisi sauka, pane zvinotevera ezvinhu chichazadzikiswa:

• liquidity reshiyo pakazopera ari nhau nguva pe2.
• The dhigirii uko mari dzavo pachiyero jira musi idukusa 0.1.

Funga kuti coefficient dzekuvandudzwa kunogona kuva solvency.

muenzaniso

Mumakore okupedzisira gore chinoratidza liquidity pakutanga kwenguva vakasvika 0,97 pakazopera - 1.18. Uchishandisa yemaitiro kumusoro, tinogona kuwana: Ap = 6/12 + 1.18 (1.18 - 0.97) = 0.3528.

Kana Masvomhu vakawana indekisi mukuru 1, ipapo tinogona kutaura kuti akasimba ane mukana kuzadzisa Zvakanyanya Kunaka Panguva Yepamuviri dzemari pamusoro inotevera mwedzi mitanhatu. Kana kudzorerwa solvency nhamba asingasviki mumwe, ukuwo, mune inotevera mwedzi mitanhatu, kambani havazokwanisi kuita zvinodiwa zvoupfumi pakusimba.

kufembera

Rutapudzo chinhu / kurasikirwa solvency ichaongororwa rimwe kiyi nemakambani ari utariri kuongorora. zviratidzi izvi kubvumira kuronga zvemari uye zvoupfumi basa kuti mumwe kumwedzi. Recovery yevanhu solvency runoita kuti agovere kwema uye mari inotevera mwedzi mitanhatu kuti napanobudiwa napo boka kubva dambudziko. Zvisinei, zvinhu zvakadaro zvinogona kudziviswa. Kuti aite izvi, ngaaverenge mukana chirungamutauro kudzikira Current boka kwemwedzi mitatu zvichitevera nhau date: Kup = [K1f + 3 / T (K1f - K1n)] / K1norm.

Nokuti chiero, riri zvichienzaniswa pakupora mwero / kurasikirwa solvency yaiwana chikwata. Kana indekisi mukuru 1 dzemaitirwe kuti ndingangokuvara kudzikira mune mamiriro ezvemari, zvinoreva kuti kambani ose mukana kwete yokurasikirwa liquidity yavo. Saizvozvowo, kana mutengo idukusa 1, kambani ave sauka inotevera mitatu.

Kuziva kusauka venhema

To musi, pane dzakasiyana hurongwa wayo. Kana kuongorora haangasimbiswi pacharo basa, uye akazivisa zviratidzo kwokunyepedzera kusauka. Dzinomirira kuti kambani ane unyanzvi chaizvo kubhadhara mitoro kuti chikwereti zvakakwana musi kuzviisa pasi chikumbiro nokuda kuziva zvayo kusauka. Kuziva maitiro aya rinoitwa kana pave kukwanisa kubhadhara zvikwereti yesangano maererano nokukura kwavo ukama ukuru pfupi-rokuti munataisireva. Kana Masvomhu havachafaniri kuparadzwa mari, asi mari kuuya uye reserves vachibhadhara uye mari. Mushure kutoita zvakafanira Masvomhu chingadzidzwa:

• Kana vati chengetekei akaenzana kana kupfuura 1, ipapo uchapupu kwokunyepedzera kusauka.
• Kana mutengo idukusa kubatana, zvino, maererano, kukundikana chaiko.

Kuongorora mari uye upfumi mashandiro wekambani

nzira iyi kunosanganisira matanho maviri:

• We ngaaverenge zviratidzi impacting chekambani vanokwanisa kubhadhara wazvipira pamhemberero Kuedzwa.
• Kuongorora mararamiro kwema chakaparira kugadzirisa tsika.

Zviratidzi kuti tiratidze padanho chikwereti chikwereti kuna chikwereti, zvinotevera:

• Urongwa kushanda munataisireva guru.
• Bhuku mambure zvinhu.
• Kuwanikwa ose yesangano chikwereti.

Kudzidza zvemari uye zvoupfumi basa kambani hunosanganisira kudzidza simba pamusoro zviratidzo izvi mumuedzo. Kana kwechikuva rokutanga nzira, chinokosha kudzikira dhigirii muzvikwereti kuchengeteka nyanzvi anoenderera kuongorora mamiriro ezvinhu ayo kwema nokuda yamunenge nguva. Vanobviswa avo chibvumirano, izvo zvinogona kukanganisa kuchinja prices nezvarwo.