Zezimali ekuhlola solvency yenkampani.

Uhlaziyo solvency futhi zezimali inkampani ingenye izici ezibalulekile isimo sayo sezimali. Lokhu kuhlaziya Kwenziwa usebenzisa izindlela ezithile eside zaziwa ezivumela kuqhathaniswa okusheshayo ukwenza izibalo bese wenze eziphethweni eziqinisekile.

Ngokuvamile, esigabeni sokuqala kokuhlaziywa zezimali kanye solvency iNkampani Kwenziwa kubalwa okuza. Zonke lezi zici kubalwa ngendlela efanayo njengoba isilinganiso engxenyeni ethile impahla inkampani ukubaluleka yayo izibopho yesikhashana. Zezimali izinkomba kanye solvency zihlanganisa jikelele kanye Lesisemkhatsini enamathela okungu kanye inkomba eliphelele zezimali. Ekubaleni imethrikhi lokuqala isetshenziswa numerator we eliningi ingqikithi kokusebenza. Kufanele sibe ngaphezu isamba izikweletu ngesikhathi esifushane, kodwa hhayi ngaphezulu kuka kabili. Ekunqumeni enamathela Lesisemkhatsini ayifakiwe ukubaluleka ekubalweni izinqolobane. kunqunywa Kanjalo nokwanela kwempahla uketshezi at ukuqoqwa ukubaluleka kwengosi kuba Receivables. Kuthathwa ngokuthi lokhu isilinganiso ngokuvamile kumelwe futhi idlule ubunye. I numerator ekutholweni zezimali eliphelele kuhlanganisa, njengoba ungakwazi ukutshela kusuka isihloko, kuphela ngokuphelele amafa ketshezi. It njengento eyamukelekayo uma inkampani kungaba masinyane ibuyela cishe ikota yebahlali izikweletu zabo esiphuthumayo kakhulu. Zezimali kanye solvency nokuhlolwa inkampani Kufanele kwenziwe imali ukukhuliswa, okwenziwa ngokusebenzisa okufanayo negama pokzatelya. Lesi isilinganiso kunqunywa ratio isamba kwakhiwa amasheya eside ubhale izinkinga ezihilelekile. Kusobala ukuthi ngaphansi imali ukukhuliswa kulokhu kusho ukuthi ukugcwaliseka ezikhona. Nokho, kufanele sikhumbule ukuthi ngokusho izibalo kusukela ukudayiswa amasheya ngokuvamile engenzeka ukuze athole mayelana 40% kuphela value abo.

Ukuhlola kwe-zezimali kanye solvency lenkampani zingenziwa ngekuhlola nokutadisha zezimali yenkampani-balance sheet. Ezisetshenziswa kakhulu le njongo indlela yekwakha ukutadisha ibhalansi zezimali. Lokhu esele - endaweni ethile ngendlela sgruppirovannnye ngokuqondene nezimpahla kanye nezikweletu lenkampani. Ngokwesiko, ngamunye izinhlangothi Kumiswa ibhalansi amaqembu 4 ukuthi zibekwa yi-degree of impahla ibe yimali noma wokuphuthuma. Izimpahla nhlangano zenziwe amaqembu ezilandelayo: zezimali ngokuphelele, fast-, slow- namafa illiquid. Kepha nezikweletu, kuzoba umphumela behlukanisa okulandelayo: eziphuthuma kakhulu, yesikhathi esifushane neyesikhathi eside izikweletu kanye nezikweletu, ukubizwa ngokuthi unomphela. Ngaphezu kwalokho okudingeke ukuba uqhathanise phakathi kwamaqembu etholwe ngokukhipha iqembu amafa elihambisana nezikweletu iqembu. Uma umehluko omuhle, kukhona babutha izinkokhelo, futhi uma kungenjalo - inkokhelo icala. Kukholakala ukuthi isimo zezimali ngokuphelele kuyinto khona insalela eningi ngababili yokuqala emithathu ngokuqondene nezimpahla kanye nezikweletu kanye nokuntuleka yesine. Ukungalingani eqenjini mbuzo wesibili zokulawula kanye linendima ebalulekile kakhulu. It libhekene khona inhlokodolobha inhlangano sosbstvennyh ukusebenza. Indlela ngenhla ekahle amarhwebo zomnotho kanye cwaningo ibhalansi amabhange nezinye izikhungo zezimali idinga kabanzi.

Izindlela ezichazwe ngenhla athandwa kakhulu, kuba ngabo owawuvame ukwenziwa ukulinganisa zezimali kanye ibhizinisi pay. Nokho, lokhu ukuhlaziywa alanele ukuze sikhokhele lolu uphethwe, kubalulekile ukuhlola ezinye izici le nkampani.