Solvency ukuhlaziywa - inqubo ebalulekile ukuhlaziywa kwezezimali

solvency ukuhlaziywa kuyadingeka ukuze ibhizinisi, njengoba ngosizo amathuluzi ayo kungenziwa libhekene nesimo sezimali ibhizinisi ibhizinisi. Ngamanye amazwi, ukuhlolwa kwe-kungenzeka sokukhokhwa Ukwenza nezibopho zabo okukhokha etholakalayo imali imithombo.

Ukuhlaziya zezimali ukulinganisela solvency eyenziwa esekelwe izici zezimali amafa zamanje futhi ezimisele isikhawu edingekayo ukuguqula wabayisa imali. Kumele kukhunjulwe ukuthi ukubaluleka isilinganiso zezimali incike isikhathi kokususwa kwempahla, okungukuthi, Ayanda zezimali, isikhathi esingaphansi iyadingeka ukuze iqoqo kwempahla.

solvency ukuhlaziywa libonisa ukuthi kungenzeka evala amafa ku cash futhi abuyisele nezibopho zabo. Lokhu uyakucabangela umnqamulajuqu senkokhelo eside yokulawula ukuguquka amafa ku imali. Lezi zinombolo zincike imiphumela Ukuqhathanisa izindlela zokukhokha ukuthi ayatholakala kusukela inkampani, kanye nenani izikweletu zesikhashana.

Zezimali umqondo ajwayelekile kuqhathaniswa silinganise zezimali. Inkomba sesibili sibonisa ikhono wamabhizinisi ukufuna imali ezivela emithonjeni zasekhaya kuphela. Ngokwesibonelo, kusukela ukudayiswa kwempahla. Nokho, le nkampani kungenzeka balwe futhi yangaphandle ukuboleka at evumayo isithombe zezimali emakethe ibhizinisi futhi ukukhanga high level ngokwanele kwe-aspect utshalomali.

solvency futhi zezimali ukuhlaziywa iyafana nezinqubo ukuze kuqaliswe, kodwa igama yesibili lesifinyetiwe ngaphezulu. Phela, uma ukuqonda xaxa, kusukela solvency zezimali kuncike. Ngakho usebenzisa zezimali uchaza isimo samanje njengoba izibalo kanye esizayo. Inkampani ezikweletini ngosuku oluthile kungenziwa waqaphela, futhi kulindeleke imiphumela ezingezinhle zemisebenzi yayo esikhathini esizayo esiseduze.

Esikhathini izincwadi kukhona umqondo "zezimali izimpahla zamanje" ngosizo okuyinto eyenziwa ukuhlaziywa solvency. Futhi elinye ihlandla - "zezimali amafa Imininingwane" isetshenziswa ukuhlola kungenzeka ukuthengiswa kwabo okusheshayo uma kwenzeka ezikweletini.

Womathathu ethemini olucutshungulwayo zihlobene nomunye. Ngakho, ibhalansi zezimali iyona "lesisekelo 'zezimali kanye solvency lenkampani. Ngamanye amazwi, lo zezimali - eziyisisekelo indlela solvency isiqondiso. Kulokhu, khona isithombe sezingeni eliphezulu ibhizinisi njalo ezingeni lelisetulu solvency, ngenxa okuyinto eziningi kube lula ukuyigcina ezingeni zezimali.

Ukuhlaziywa solvency nokuzinza zezimali iyingxenye wokuhlaziywa imisebenzi yezimali tesifundvo. Ngokwaso welithi "ukuzinza wezimali" libonisa kokusele zonke kwemali imali, ukutholakala izimali ezidingekayo ukuqhubeka nokusimamisa imisebenzi yayo manje phakathi nenkathi ethile yesikhathi ngokuhamba komnotho main, senkokhelo imali zezimali, njll

Ngamanye amazwi, ukuzinza kwezezimali kuyinto isiqinisekiso solvency isikhathi eside.

Solvency kumele ahlukaniswe kusuka ndlela, njengoba creditworthiness. Igama elithi yesibili isetshenziselwa ukuhlaziywa yangaphakathi zezimali amayunithi ethize kwesakhiwo.