Solvency wekambani: unhu uye solvency reshiyo

Solvency wekambani - ndiwo mano chairo nyaya iri nguva uye zvakakwana kubhadhara chikwereti. Zviri chinokosha zvisingatomboiti uye akatsiga ezvoupfumi chinzvimbo chipi sangano.

Solvency wekambani panofanira zvinotevera zvinokonzera.

Chekutanga, kambani ine zvinhu (kureva pfuma uye mari), izvo zvakakwana abhadhare wako zvose zviripo zvikwereti kambani.

Chechipiri, ukuru liquidity pakati zvinhu riwanikwe kambani, inofanira kuva kwakakwana dzika navo kana zvakakodzera, kushandurira mari chitsama chinonyatsoenderana kwakakwanira nokuripira wazvipira.

To Kutarisirwa nzira varumbidzwa zvemari pachisara mumwe unova coefficient kuti solvency. Ngatikurukurei navo zvizere.

First solvency reshiyo zvinofanira zvainanga adzidze Kuwanikwa pachavo guta chekambani. Kana zvebhizimisi hakuwaniki, ipapo sangano havazokwanisi kubhadhara ayo mitoro. boka akadaro solvent chete pfupi, kuvimba aivapo zvikwereti. Asi pakupedzisira, zvichava zvingangoita kutarisirwa kusauka.

Chechipiri, tighter solvency reshiyo - chiyero Kuwanikwa pachavo mari, ari Specification iyo akatendeka neDare Federal Office kuti kusauka. It rinowanikwa maererano chinokosha inonyatsoita. Pakati indekisi nokururama deducted kukosha vasiri kuitika zvinhu. The zvichiguma nhamba yakakamurwa uwandu ano zvinhu. ukoshi ichi (yakakodzera) anofanira kuva asina asingasviki 0.1.

Asi kuvapo nekambani yakanaka mambure zvinhu regai nguva dzose akati kuti iye aiva solvency yakanaka. Chokwadi chokuti zvakakodzera kuongorora rechipiri, kumusoro, Factor - liquidity zvinhu.

Mamiriro acho ezvinhu angave chisingatarisirwi. Saka, pane kazhinji mismatch pakati iripo liquidity zvose zvinhu uye kuuya maturities ose chikwereti mitoro. Somuenzaniso, kambani, rumwe rutivi, ane guru mugove vasiri ano yesangano, izvo zvakaoma dzika nokuti illiquid. Asi, Ukuwo, ine mukuru inorwara pfupi-rokuti munataisireva. Muchiitiko chino, pakupedzisira inogona kusvika nguva apo mabhizimisi havana nzira abhadhare iyezvino munataisireva. Muchiitiko ichi uchava zvakafanira kushandisa rinokosha solvency reshiyo. Tiri kutaura liquidity ratios (makasimba inoyerera uye, chokwadi, mhedziso).

Zvinhu izvi zvichakurukurwa dzaona pamusoro ichocho. Kufungwa nhamba ano zvinhu nechipi kusiyanisa liquidity kuti huripo mitoro. Asi solvency reshiyo uye kuitika liquidity achapiwa dzaona kufungisisa zvinowanikwa kuitika yesangano, uye nokukurumidza reshiyo - yakavakirwa emura iyezvino zvinhu. Counting Mhedziso mufananidzo kwakavakirwa kwegadziriro zvikuru emura zvinhu (mari uye pfupi mari yesangano).

Vatungamiriri Company vanofanira kuyeuka kuti kana liquidity ratios vachange iiswe ari pamutemo akagamuchira ndozvakajairwa, ipapo boka anoonekwa akavimbika uye yakabudirira. Zvikasadaro kunoda fanira kukarukureta kuti vanokwanisa kubhadhara apore.

Somugumisiro, inofanira kuva nevakawanda solvency reshiyo, rinogona kuratidza mukana boka kufukidza munataisireva ayo zvose (refu uye pfupi) huripo zvinhu.