Solvency reshiyo. fomura yekubudirira

Solvency wekambani - chikuru hunhu iri anokonzera pamwe makambani, rwezvemabhengi masangano, Lenders. Nokuti mufananidzo uyu kunotipa kutaura nezvomukana kubhadhara zvikwereti zvayo.

Solvency coefficient (the nzira iyo ine dzakasiyana siyana), zvichienderana yezvakaita sangano, akaverenga nenzira dzakawanda. Saka, nokuti kukarukureta pamusoro reshiyo ichi pane imwe nzira, asi mune zvebhizimisi kugadzirwa chivako pa - mumwe.

solvency reshiyo (the nzira yokuti pagadzirwe kambani)

kukarukureta Izvi zvinogona kuitwa, une mashoko chekambani zvemari (nepakati papepa). The yemaitiro iri nyore uye rinowanikwa sezvo nhamba zvakarurama kune munataisireva pakuenzanisa pepa.

Nokutendeka ngaadudzire - yakachena mari yavo, izvo zvinobatanidzwa mumabhizimisi, mambure nenhoroondo bhadharika, pfupi uye zvikwereti-refu.

The coefficient pakati solvency pamusoro zvebhizimisi, kuti nzira iyo iri pamusoro apa, uyewo kunoda kuti kuverenga pamusoro kuitika uye ano zvinhu. Chikuru muupenyu riri kuitika yesangano, nokuti kuburikidza navo kana zvakakodzera, unogona kubhadhara chikwereti kana kutenga chinhu.

Muenzaniso kukarukureta of coefficient

Kuva pakuenzanisa zvebhizimisi, tinogona pakarepo ngaaverenge solvency reshiyo. The yemaitiro inoshandiswa kuti kuratidzwa munyaya. Ava vane zvinotevera:

The ndeizvi zvinotevera inofananidza: mari muhofisi kambani - 1000 rubles pamusoro magetsi nekuda pachiyero - 10 000, zvinhu aripo nokuda Verengai 10 000 rubles, kuti maindasitiri midziyo - 100 000 rubles. chitoro kwakavakirwa - 100 000 rubles. Somugumisiro, tine pfuma aikosha 221.000 rubles.

Pachiyero munataisireva: mvumo guta - 100 000 rubles, izwi munataisireva (akadai kukarukureta pamusoro bhajeti kuti mari) - 40 000 rubles, pfupi munataisireva (zvikwereti kusvikira gore rimwe) - 60 000 rubles, refu munataisireva - 21 000 rubles. Tsauranisa jira zvachose - 221 000 rubles.

Endai Masvomhu: kubva nepakati jira munataisireva chinoratidza kuti mambure kukosha 100 000 rubles, vose - ndiwo zvinosungirwa vachida. Panyaya iyi, dzemaitirwe yaizova: 100 000/40 000 + 60 000 + 21 000 = 0,82. Izvi zvinoratidza kuti mari yake, tinogona chete kufukidza 82 muzana edu wazvipira.

In tsika, nzira iyi chakakura chinhu. Vakaongorora aisimbirira twa mamiriro, nekuti kushanda guta iri nyore zvikuru kuti pave pane vasiri hachichinjiki..

Panewo kurasikirwa solvency coefficient ane nzira rinowanikwa nokushandisa simba kuchinja solvency anoverengeka nguva. Izvi zvinoita kuti tikwanise kutaura kukura chinoratidza iri boka nokuda nhau nguva.

Normative tsika coefficients

Muchidimbu maitiro tsika kuti ape coefficient kuti solvency. The yemaitiro anoti mutemo ukoshi ave chikamu. Mwero nokuti kugadzira zvebhizimisi ndiyo 0.5-0.8. Kana zviri kudzika, nokukweretesa akadaro asingashumbi hake kune ngozi, pane mukana vasiri muripo chikwereti.

Nokuti kutengesa makambani dzakakwirira liquidity makambani (kufamba masangano, makambani kuti dzinoita mabasa, kuvakwa makambani) maererano peculiarities Bhizimisi chinhu ichi chingava ndozvakajairwa mukati 0.1-0.5.