Ukulinganisa ngokwezezimali kuyisihluthulelo sokuhlaziywa ngempumelelo kwe-solvency yenkampani

Ukuze kube nokusebenza okuzinzile nokusebenza kahle kwebhizinisi, kubalulekile ukuhlaziya isimo sokusebenza kwalo. Ama-coefficients ezemali atholakale ngenxa yocwaningo lokuthola usizo lokuthola izixhumanisi ezibuthakathaka emisebenzini yenhlangano futhi avumela ukunquma izinzuzo zezenzo zalo. Yilezi idatha ezinikeza isithombe esicacisiwe sezinto zezinto ezinkampanini.

Isimo sezezimali (isikhundla) sebhizinisi sincike ekutheni isilinganiso senani lemali elibolekile libe ngumnikazi. Mayelana nalokhu, thola:

• I-coefficient (izinga) lokuzimela kwezimali - ngenkathi kubalwa isabelo sokulingana emalini yenani lenhlangano;
• I-coefficient (izinga) lokuxhomekeka kwezezimali - lapha sikhuluma ukuthi yiliphi inani lemali yenkampani ebolekiwe (ebolekiwe). Isibonisi singabalwa ngokwezinsuku ezimele. Okungukuthi, kungenzeka futhi kunokwenzeka ukunquma le nkomba ngokusekelwe ezimalini zesikhathi eside noma ezikweleta isikhathi esincane;
• I-level (coefficient) yeengozi zezezimali, eyaziwa nangokuthi isisindo se-lever yezimali - lapha isilinganiso sezimali ezibolekwe ku-equity kucatshangelwa. Kulolu cala, kunenye igama lale nkomba - i-coefficient yomsebenzi wezezimali.

Ngakho-ke, inani eliphakeme lezinga lokuqala, lingcono futhi lizinze kakhulu isikhundla sezezimali (isikhundla) senkampani, uma kubhekwe ngombono wezikweletu zemali kanye nezikweletu. Ezikhathini ezihle, isisindo salesi sakhi kufanele sithinte ubunye.

Ukunquma inzuzo yokukhulisa izimali kanye nezimali ezisuka ohlangothini, kusetshenziswa esinye isibonakaliso: lokhu kuyimpembelelo yesiphakamiso semali. Le nkomba ibonisa ukuthi inzuzo yenzomali yenkampani izokhula kanjani uma kuphakanyiswa izimali.

Izilinganiso zezezimali, ezibonisa ngokunembile isimo sezindaba ebhizinisini, yizilinganiso ze-solvency. Uma ukusho ngamazwi alula, ke le datha ibonisa ukuthi kungenzeka ukuthi inkampani ibuyisela kanjani izikweletu zayo zesikhashana.

Ukuhlolwa kweSolvency kusekelwe kudatha ekuthengisweni kwezimpahla zayo zamanje - ikhono lokubuyisela izibopho ezibolekwe ngemali mboleko kanye nezikweleti ngempahla yenkampani.

Ama-ratios alandelayo wezezimali asetshenziselwa ukuhlaziywa:

• Ukwehla kwamanje - kuthiwa yi-indicator yokuhlanganisa. Ihlukanisa ikhono lenhlangano ukukhokha izibopho zesikweletu sesikhashana esifushane ngezimpahla zayo ezikhona ezijikelezayo;
• Ukwehla okusheshayo (okusheshayo) - kubonisa indlela okungenzeka ngayo ukubuyiselwa izibopho ngezimpahla zesikhathi (imali egcinwe kuma-akhawunti asebenzayo enhlangano, amasheya ezinqolobaneni, izikweleti zesikhathi esifushane zabathengi);
• Ukuthengwa okungekho emthethweni - inani lokugcina lale nkhomba lichaza ukuthi kungenzeka kangakanani ukukhokha imali yokubolekisa isikweletu esikhashana esifushane ngenxa yezimali ezibekiwe kuma-akhawuntini okukhokha imali kanye nezinye izimali ezibekwe okwesikhashana.

Lezi zilinganiso zezezimali zibaluleke kakhulu ekubaleni isimo solvency kanye nesimo sezimali (isimo) sebhizinisi.