Chiwerengero cha Chuma

magawanidwe achuma

Chuma chomwe chimadziwika kuti ndi gawo lalikulu lazinthu zabizinesi. Izi zikutanthauzanso dera la kampani iliyonse momwe ntchito yayikulu ndikukonzekera ndikuwongolera chilichonse chomwe chikukhudzana ndi kayendetsedwe ka ndalama kapena itha kukhalanso ndalama.

Kuchulukitsa kwachuma kumadziwika kuti ndi mgwirizano womwe ulipo pakati pamiyeso iwiri ndipo umatilola kuti tiwone kuchuluka kwawo. Mu zachuma, chiwerengerocho chimadziwika ngati ubale wochulukirapo pakati pazinthu ziwirizi zomwe mukufuna ndipo zomwe zimapangitsa kuti tiwone chochitika china chazachuma, phindu, ndi zina zambiri.

Kwa lingaliro la kuchuluka kwa ndalama Zapatsidwa kale matanthauzidwe angapo, koma kuti mumvetsetse kuti ndi chiyani komanso momwe zimagwirira ntchito, lingaliro loyambira ndilofunika kuyamba nalo, kuchuluka kwa chuma ndi ubale womwe umatipangitsa kuti tithe kuyerekezera kuti kampani itha kulipira kapena kulipira kangapo Kutha kwake nthawi zambiri kumakhala kwakanthawi kochepa. Kuwerengera kotereku kumatiwonetsa kuthekera komwe bizinesi yathu imayenera kulipira ngongole zonse zomwe zimakhazikitsidwa ndikukhwima kosakwana chaka chimodzi chowerengera ndalama, izi ndi ngongole ndi ndalama zomwe kampaniyo imalandira.

Chiwerengero cha Chuma

Chiŵerengero cha ndalama ndi chimodzi mwa ziwerengero zogulitsa zomwe zimagwiritsidwa ntchito kwambiri podziwa momwe zinthu zimayendetsera bizinesi, izi zikutanthauza kuti ndizo; mwayi womwe kampani ikuyenera kulipira kwakanthawi kochepa, monga tanena kale, kuchuluka kwake ndi zinthu zitatu zomwe tizinena pansipa:

Kuchuluka kwa ndalama mwachangu kapena "kuchuluka kwakupezeka".

Amatanthauziridwa ndi maloya osiyanasiyana amalingaliro azachuma ndi malingaliro azowerengera ngati gawo logawika ndalama zonse ziwirizi: "kupezeka" ndi "ngongole zomwe zilipo".

Ngongole zomwe zilipo pakali pano = kuchuluka kwakupezeka.

Chiwerengerochi chikuwonetsa kuti kampaniyo itha kukhala ndi mwayi wopeza ngongole zakanthawi kochepa, izi zimangopezeka kapena chuma.

Luso solvency ratio kapena "liquidity ratio".

Amatanthauzidwanso ndi maloya osiyanasiyana pankhani yazachuma komanso zowerengera ndalama ngati gawo lomwe lachokera pakugawika kwa zonsezo:

"Zomwe zilipo" ndi "ngongole zomwe zilipo".

Katundu wapano li ngongole zapano = kuchuluka kwamadzi. Chiwerengerochi chikuyimira kuthekera komwe kampani imayenera kukwaniritsa zolipira zomwe zimachitika chifukwa chakuwongolera kwa ngongole zomwe zilipo, chifukwa cha zopereka zomwe zapangidwa ndi chuma chamakono. Kampaniyo imawerengedwa kuti ilibe mavuto azachuma pomwe mtengo wamagawidwe ake ndiwokwera kuposa 1,5 ((mpaka 1,5), kapena ochepera kapena ofanana ndi 2 (? Kwa 2).

Zikakhala kuti kuchuluka kwa zakumwa kumawonetsa kuti ndi ochepera 1,5 (? Kufikira 1,5), kampaniyo imatha kuyimitsa zolipira, zomwe zikuwonetsa kuti ndizochepa kwambiri kubweza zolipirira zosakwana chaka chowerengera ndalama.

Zimakhala zachilendo kugwera pakulakwitsa kukhulupirira kapena kuyerekezera kuti ndi kuchuluka kwa 1, ngongole zazifupi zitha kulipidwa ndikulipidwa popanda zovuta, izi ndi zolakwika, popeza kuvuta kugulitsa masheya onse afupikitsa, Kuphatikiza pa kupulupudza kwa makasitomala, akuwonetsa kuti likulu logwirira ntchito limakhala labwino ndikuti pachifukwa chomwechi katundu wapano ndiwokwera kuposa ngongole zomwe zilipo, izi kuchokera pamawonekedwe osamala zitha kukhala zokwanira.

Ngati zinthu zikuchitika momwe kuchuluka kwazinthu zazikulu kuposa 2, zitha kuwonetsa kuti alipo "Zinthu zopanda pake" zomwe zingakhudze mwachindunji phindu ndikupanga zotayika.

Chiwerengero cha ndalama zachuma

Chiwerengero cha Chuma. Amatanthauzidwanso ndi akatswiri azachuma komanso malingaliro owerengera ndalama monga kuchuluka kwa zomwe zilipo kuphatikiza zomwe zingatheke, zomwe zidagawika ndi zovuta zomwe zilipo pano.

("Zopezeka" + "zotheka") ÷ (zovuta zomwe zilipo).

Ichi ndi chisonyezero cha kuthekera kwa bizinesi kubweza ngongole zazifupi kapena zosakwana chaka chimodzi chowerengera ndalama, chifukwa cha izi, kuwerengera chuma chamakono, ziyeneranso kukumbukiridwa kuti masheya azinthu sanaphatikizidwe. Tiyenera kukumbukiranso kuti kuti kampani ilibe mavuto azachuma, mtengo wamalo azandalama uyenera kukhala 1, izi ndizomwe zikuyimira momwe kampani ikuyendera.

Ngati kuchuluka kwa ndalama kuli kochepera 1 (? Kwa 1), kampaniyo imakhala ndi mavuto azachuma, monga kuimitsa zolipiritsa chifukwa chokhala ndi chuma chokwanira kubweza ngongoleyo komanso / kapena zolipira. Ngati zotsutsana ndizomwe zidachitika m'mbuyomu, momwe kuchuluka kwa ndalama kumakhala kwakukulu kapena kupitilira 1, ndichizindikiro kuti pali kuthekera kwakuti pali chuma chochulukirapo, chomwe chingayambitse phindu la chuma chomwecho.

The solvency ratio ndi ndalama ratio

Magawo awiriwa ndi omwe akutsogolera kutiwonetsera momwe solvency ikulipilira yomwe kampani imayenera kulipira ngongole zake, kuzinena mwachidule; nkosavuta bwanji kuti kampaniyo izilipira zomwe idalipira panthawi yake ndikupanga chiwongola dzanja, zonsezo munthawi yochepa. Pali kusiyana kwakukulu kumvetsetsa kuti zonsezi zimakwaniritsa ntchito yofananira, koma mosiyana. Ponena za tanthauzo la "chuma chandalama", ngongole zanthawi yochepa (zosakwana chaka chimodzi) ndizomwe zimawerengedwa, izi zikufaniziridwa ndi zomwe kampani ili nazo, zopezera madzi, kapena zomwe zitha kukhala munthawi yochepa. Ndi izi titha kuwona kuti kuchuluka kwa chuma ndikoyang'anira kuyerekezera komwe kampaniyo imayenera kulipira ngongole zake munthawi yapafupi.

Kusiyana kwakukulu pakati pa ziwirizi kukuwonetsedwa mu solvency ratio, ndikuyerekeza kwake chuma chonse cha kampaniyo ndi ngongole, ndikupanga chiwonetsero cha gawo lomwe limakhudza chuma chonse ndi ufulu wa kampaniyo mosiyana ndi ngongole ndi maudindo za ichi. Solvency ratio ndiyomwe ili chizindikiro chomwe sichitanthauza kusiyanitsa ngongole zomwe zili ndi kanthawi kochepa kapena kanthawi kochepa, komanso sizimasiyanitsa pakati pa zinthu zomwe zili zamadzimadzi ndi zomwe sizili, ndizowerengera zambiri komanso zosafunikira kwenikweni kuposa kuchuluka kwa chuma, ntchito yake ndiyofanana koma magwiridwe ake ndi osiyana.

Kodi mungawerengere bwanji ndalama moyenera?

Chiwerengero cha Chuma

Zachidziwikire, kuti tichite ntchito ngati iyi ndi nkhani yodziwa masamu chabe, komabe, sitiyenera kusiya kuganizira zomwe tili nazo mu economics and accounting theory, zambiri zimafunikira kuti tipeze izi ntchito.

Njira yomwe tingagwiritse ntchito powerengera ndalama ndi yomwe ili pansipa:

Zopezeka + Zotheka ÷ Ngongole zapano = Kuchuluka kwa ndalama.

Simukumvetsetsa malingaliro awa kapena mawu awa?

Monga tanena kale, ngakhale mutakhala kuti mumadziwa za zachuma komanso zowerengera ndalama, malingaliro ake amaiwalika, chifukwa tikukusiyirani tanthauzo losavuta la malingaliro aliwonse omwe ali pakampani:

  • Ndi ndalama, zomwe timadziwa ndikuzitcha kampaniyo "madzi".
  • Ndizo chuma ndi ufulu zomwe zimasinthidwa mwachangu kukhala ndalama, zimamveka bwino kuti timalankhula za omwe ali ndi ngongole, ndalama ndi makasitomala, zonse munthawi yochepa.
  • Ngongole zapano. Ndiudindo ndi ngongole zomwe zimakhala ndi nthawi yochepa.

Limodzi mwamavuto akulu omwe bizinesi ingakhale nawo ndikusowa solvency kubweza ngongole, kampani yomwe siyingathe kukhazikika pazachuma ndi yomweyi yomwe imayenera kubweza ndikusiya kulipira motero ili ndi chiwongola dzanja chochulukirapo, izi kampaniyo sichingatuluke mumkhalidwewu ngati mapulani ake azachuma komanso owerengera ndalama sanali okwanira, chifukwa chake, timazindikira kufunikira kwa magawanidwe monga kuchuluka kwa ndalama. Kampani yomwe imatha kuthana, mwina mwachangu, koma mwachangu komanso mphamvu, ndi kampani yomwe imalankhula bwino munjira yowerengera ndalama, imakhala kampani yomwe imakopa anzawo ndi obwereketsa, chifukwa chodalirika komanso kudalirika, ikuwonetsa kudzipereka ndikukonzekera zomwe zikuyimira chuma champhamvu kwambiri kwaogulitsa kapena / kapena wobwereketsa aliyense. Ndikofunikira kudziwa kuchuluka kwa chuma chathu ngati chida chothandizira kudziwa momwe kampani yathu ikuyimira komanso zomwe tingachite posachedwa.

Zikuwerengedwa kuti kuchuluka kwa chuma kumatsimikizira kuti kampani imakhala yolimba kwambiri ikakhala pafupi 1. Izi zikachitika, kampani imakhala munthawi yomwe ubale womwe ulipo pakati pa zomwe zimachitika ndi zomwe zimatheka, komanso kukula kwa ngongole zazifupi kumayandikira kapena kufanana 1 .

 


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