Solvency

Solvency imatsimikiziridwa ndi kuthekera kokwanira kubweza ngongole zamtsogolo

Solvency imagwiritsidwa ntchito ngati chisonyezo m'mabuku azachuma a bungwe. Zitha kukhala kuchokera ku kampani, munthu wovomerezeka kapena munthu wachilengedwe. Imayesa kufotokozera kuthekera kwachuma komwe munthu ayenera kuthana ndi zovuta zachuma. Kuti mudziwe mphamvu zomwe muli nazo, mumayang'ana ubale womwe umatsimikizira kuti muli ndi chuma chochuluka motani pangongole. Ubalewu umakhudza kugawa chuma chonse chomwe chili nacho mogwirizana ndi katunduyo.

Osati kusokonezedwa ndi kuchuluka kwa kudziyimira pawokha pazachuma kapena kukhala ndi ndalama zambiri. Kutha amayesetsa kuthana ndi tsogolo kulipira pomwe kuchuluka kwachuma kumatsata kuthekera kwa kampani kapena munthu kubwereka. Kumbali inayi, kuchuluka kwa ndalama sikungafanane ndi komwe kumachokera kwina, koma kotchuka, kukhala ndi ndalama nthawi zambiri kumasokonezeka ndi kusungunuka. Chifukwa chake, solvency ndichizindikiro chabwino chofufuzira kampaniyo mwachuma kapena mwandalama. Kuti mumvetse bwino, nkhaniyi ikukhudzana ndi solvency ndikufotokozera momwe tingawerengere ndi momwe titha kutanthauzira chizindikirochi.

Momwe solvency imawerengedwera

Chiwerengero cha solvency chimapezeka pogawa chuma ndi ngongole

Kuwerengera komwe kuyenera kupangidwa kuti mudziwe kuchuluka kwa solvency ya kampani ndikosavuta. Kumbali imodzi, muyenera kuwonjezera chuma chonse, ndikugawa phindu limenelo ndi kuchuluka kwa ngongole zonse. Tiyeni tiwone bwino ndi chitsanzo:

  • Chuma: Chiwerengero cha mayuro 350.000.
  • Ngongole: Onse a 200.000 euros.
  • Chuma / Ngongole: 1.75 wa mulingo wosungunulira.

Monga mukuwonera, kupeza chizindikirochi ndichinthu chosavuta, komabe ndikofunikira kudziwa kuti solvency ndiyotani. Kaya ndi zachuma chanu, ngati muli ndi kampani, kapena ndinu azachuma amene mukufuna kuti mumukhulupirire ndipo mukufuna kukhala ndi mwayi wodalirika wosanthula.

Momwe mungatanthauzire kuyenerera kwa ngongole pazandalama

Tikukhala m'dziko lopikisana kwambiri pomwe palibe amene akufuna kutsalira. Pali makampani omwe amatha kupanga phindu lokwanira kuti asabwereke kapena kutero pang'ono. Komabe, makampani ambiri amafunafuna ndalama zatsopano, nthawi zambiri amapempha ngongole zatsopano, ndipo ndipamene chiwonetsero cha solvency chitha kuwonetsa momwe mungakwereke. Monga deta, izi nthawi zonse zimatha kutsatiridwa ndi kuchuluka kwachuma komwe tidakambirana kale.

Kodi ndi milingo iti yomwe ili yoyenera

Kukhala wosungunulira sikofanana ndi kukhala ndi ndalama zambiri

Kampani yomwe ili ndi chiyerekezo chotsika kuposa 1.75 chomwe tidapereka m'mbuyomu, mwachitsanzo kukhala ndi 1.2, kungatanthauze kuti solvency yake ndiyotsika. Mwanjira ina, kuthekera kwawo kupeza mbiri yatsopano, kapena kupanga zomangamanga zatsopano, kulipira malipiro ambiri, ndi zina zambiri, zitha kukhala zochepa. Titha kutanthauzira ndipo ndizovomerezeka kuti mulingo wokwanira wa solvency ungachokere ku 1.5. Chilichonse chochepera 1.5 chimakhala chofooka, ndipo chimakhala chotsikirako.

Komabe, si mafakitale onse omwe amagwira ntchito mofananamo, ndipo pali ena omwe ngongole zimakhala zochepa ndipo zina zimakhala zapamwamba (monga dziko la zomangamanga, mwachitsanzo).

Momwe mungaganizire mbiri ya solvency ya kampani

Kuwonjezeka kwa solvency kophatikizidwa ndi magawanidwe azaka zapitazo kumatha kukhala chitsogozo chazachuma. Ndikwanira ntchito kusanthula koyambirira, ndipo mulingo wa solvens wotsimikizika ndikulimbikitsidwa pakapita nthawi ukhoza kutanthauziridwa m'njira zosiyanasiyana.

Pomwe kampaniyo ikupitilizabe kukula, ndiye kuti, Net Worth yake imakulirakulira pang'onopang'ono pakapita nthawi komanso kusungabe solvency yake ndi chizindikiro chabwino. Zitha kukhala, mwazinthu zina, kuti gulu lotsogolera lafotokoza njira yabwino ndikusunga ndalama zake mosasunthika pazaka zambiri.

Nkhani yowonjezera:
Kukonzekera Kwachuma

Ngati, m'malo mwake, solvency yanu imasungidwa, komabe, Net Worth yanu imachepa, ndizotheka kuti magawo anu nawonso achepe. Ngati sichoncho, ndipo magawo anu akweza, osunga ndalama mwina sanazindikire kutayika kwamtengo kapena pali malingaliro ena. Mfundoyi iyenera kufufuzidwa payokha, kampani iliyonse padziko lapansi (monga ndimanenera).

Komabe, sizinganene zimenezo Kutaya kosalekeza kwa solvency pakampani sichizindikiro chabwino, makamaka ngati chilimbikitsidwa, kapena kuti kuwonjezeka kosalekeza ndichinthu chabwino. Muyenera kuwonetsetsa kuti kampaniyo imagwiritsa ntchito zinthuzi, ndiye kuti ikufuna kupitiliza kukula. Chochitika choyenera (kapena chimodzi mwazomwezo) ndi kuwona kampani yomwe ikuchulukirachulukira, yomwe itha kuchepa ikakulirakulira, ndikupitilizabe kuchira, ndi zina zambiri.

Kusakhulupirika

Pali mitundu iwiri ya insolvency, kutuluka kwa ndalama ndi pepala lokwanira.

Dambo lankhanali ndipamene palibe amene angafune kupitako, lotchedwanso bankirapuse kapena bankirapuse. Insolvency ndi chosemphana ndi solvency, kulephera kukwaniritsa zolipira ngongole zomwe munalipira. kulipo mitundu iwiri ya kubweza ngongole, ndalama / kutuluka kwa ndalama ndi pepala lokwanira.

Kutuluka kwa ndalama kapena ndalama ndipamene kampani kapena munthu alibe chindapusa choti akayang'anire mtsogolo, koma ngati muli ndi chuma chokwanira. Izi zimathetsedwa pakukambirana ndi wobwereketsa njira zolipira. Nthawi zambiri wobwereketsa amakhala ndi zinthu zamtengo wapatali, monga katundu, makina, galimoto, ndi zina zambiri, ndipo wobwereketsa amatha kudikirira kuti amulipire. Kuchedwako nthawi zambiri kumalandiridwa mwanjira ina, chifukwa chake kumatha kukhala chindapusa kapena zina, kupatula kubweza ngongole yomaliza.

Balance sheet insolvency imachitika pomwe zonse chuma cha kampani sichikwanira kuyang'anizana ndi komaliza kulipira ngongole. Nthawi zambiri, izi zimaganiziridwa asanalandire ndalama yotsatira, momwe zimaganiziridwa kale kuti sipadzakhala njira yolipira ndalama zina kapena kukhalabe ndi ntchito iliyonse. Izi zisanachitike, nthawi zambiri amasankha kuti ntchitoyi isachitike (pazabwino zomwe zimabweretsa). Pomaliza, onse omwe ali ndi ngongole ndi omwe ali ndi ngongole amatha kukambirana izi ndikuvomereza kutaya pang'ono, kapena kukambirana za ngongole yatsopano kapena njira yolipira yomwe imawalola kuti azigwirabe ntchitoyo.


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