Solvency futhi zezimali

Noma yimuphi usomabhizinisi bangavuma ukuthi ukudala inkampani akuyona njengoba kunzima njengoba ukuhlela ukukhiqizwa, enikeza imali njalo futhi eside. Ukuze aqiniseke ukuthi ibhizinisi likhula futhi inzuzo, ngezikhathi ukuhlola nesimo esingokwezimali inkampani. Lo mqondo kuhlanganisa lonke uhlelo izakhi uxhumana, okuyinto ukulawula zonke izimali ibhizinisi.

Ukuhlolwa izinto ezifana inzuzo, ukuzinza kwezezimali kanye zezimali kanye nezinye amabhange ezidingekayo lapho ukuchaza solvency lenkampani ukukhomba indlela elungele kunazo zonke wesikweletu kanye nezinga lenzalo.

On isimo sezimali ibhizinisi ezithinta zonke izindawo zalo womsebenzi. Isihluthulelo ukuthola imali enhle futhi esiqinile kunoma iyiphi inhlangano kukhiqizwe njalo ikhwalithi wokuncintisana imikhiqizo efunwa ngabakwa emakethe namuhla. Kunezindlela ezimbili ukuhlola isimo sezimali: ukuhlaziya zangaphakathi nezangaphandle. Ngokwesibonelo, ukuhlolisiswa kwezinye izinto zangaphandle ezingadingwa yokubika ukuze ejensi zokulawula, kanye namanye amalungu, kuhlanganisa lezi zinhlobo ezilandelayo ukuhlaziywa:
- inzuzo ukuhlaziywa,
- kunqunywa ukuzinza kwezezimali kanye zezimali, solvency nokuzinza,
- izindleko-inzuzo ukuhlaziywa,
- ukuhlaziywa ukusebenza izimali ephakanyiswe, nabanye.

Omunye izinhlobo ezinkulu ukuhlaziywa zangaphandle abhekwa kwencazelo impahla ibe yimali, solvency nemikhakha ehlobene nayo. Zezimali inkampani kunqunywa ijubane lapho ungakwazi izodayisa izinto enazo kanye ukuzuza imali. Okunqumayo ukubaluleka amafa uketshezi kakhulu maqondana izikweletu zesikhashana. Lapho ukuhlaziya zezimali, hlola kokubili izinguquko amanje nawesikhathi esizayo isilinganiso ngenhla.

Zezimali ubhekwa ongaphakeme uma inkampani sintula imali abayithole. IMITHETHO imisebenzi yebhizinisi, kanye nenani ezezimali elisele ngemva kokuba inkokhelo ezibophweni kanye izinzuzo, futhi izici ebalulekile ekunqumeni namandla ezezimali ibhizinisi. Yingakho zezimali kanye solvency ka ezihlobene: owokuqala ichaza ukuthi kungenzeka kokukhokha ngokushesha ezikweletini ngemigomo yakho yokukhokha. Ngokusobala, ngenxa yanoma yisiphi yasebhange, izinhlangano kanye abalingani zokubhekana nayo manje kuhle ukuba ukwazi emisebenzi solvency hhayi kuphela okwamanje kodwa nezalo esikhathini esizayo esiseduze.

Uma izimpahla zamanje yilezi of kunani ukuzibophezela short-term - ke likhombisa zezimali inkampani. Solvency lenkampani kuhlanganisa Ngokuqhathanisa amafa nekutinikela yesikhathi esifushane neyesikhathi eside.

Nquma zezimali kusho ukuhlaziya ibhalansi likvidnoi, okungukuthi, degree of the ngokweqile of amafa phezu ubhale izinkinga ezihilelekile. Kulokhu, cabangela futhi ngokuqondene nezimpahla kanye nezikweletu, futhi wabelane imiqondo washeshe namafa kancane igcwaliseke.

zezimali kusho ukuthi ibhizinisi abakwazi kuphela sikhokhele ukuzinikela kunesidingo, kodwa futhi isheshe ukuze ngikhokhe izikweleti besithathu.

Ngaphezu zezimali kubaluleke kakhulu ukuthola, kanye nokusimama kwezimali zebhizinisi, okuyinto obangela solvency ngethemba lekusasa. Kuhlola ukuzinza wezimali wenziwa ukucacisa ukuzinza nokuzimela ngokwezimali ibhizinisi, kanye ekutholeni nekusebenta dolobha ngokuhambisana ibhizinisi ekuqaleni kushiwo.

Ngokusobala, alikho inkampani abafisa nokwandisa umsebenzi wabo ngeke give up the assays ngenhla. Phela, nabo basuke ingasetshenziswa ukuqhuba ukubuyekeza yomsebenzi wezomnotho ukuze alondoloze ukubaluleka amafa akhona futhi kuvimbele ukuba bangawi.