Solvency inoshandiswa sechiratidzo mukati mezvirevo zvemari zvechimwe chinhu. Inogona kubva kukambani, munhu zviri pamutemo kana munhu chaiye. Inoedza kutsanangura kugona kwehupfumi kune munhu kutarisana nemisungo yezvehupfumi. Kuti uone kuti une chinzvimbo chipi, iwe unotsvaga hukama hunotara kuti mangani mafaiti auinawo maererano nezvikwereti. Hukama uhwu hunosanganisira kukamura zvinhu zvacho zvese zvinechekuita nenhumbi yacho.
Kwete yekusavhiringidzwa neiyo reshiyo yezvemari kuzvimiririra kana kuve nemari. Solvency inoteedzera kugona kutarisana neramangwana kubhadhara apo huwandu hwezvemari hwekuzvimiririra hunoteedzera kugona kwekambani kana munhu kukwereta. Kune rimwe divi, kushomeka haisi chiyero chakabva kune imwe nzvimbo, asi zvakakurumbira, kuve nemari kunowanzo nyonganiswa nekuve solvent. Nekudaro, solvency chiratidzo chakanaka chekuongorora kambani nemari nemari. Kuti uinzwisise zvakanyanya, chinyorwa ichi chinotenderera pakuita solvency uye kutsanangura maitiro ekuchiverenga uye kuti tingadudzira sei chiratidzo ichi.
Solvency inoverengwa sei
Kuverenga kunofanirwa kuitwa kuti uone solvency level yekambani kuri nyore. Kune rimwe divi, iwe unofanirwa kuwedzera upfumi hwese, wobva wagovanisa iwo kukosha nehuwandu hwezvikwereti zvese. Ngationei zvirinani nemuenzaniso:
- Midziyo: Yakazara mazana matatu nemakumi matatu ezviuru zvemadhora.
- Zvikwereti: Yakazara e200.000 euros.
- Assets / Zvikwereti: 1.75 kubva solvency level.
Sezvauri kuona, kuwana ichi chiratidzo ndechimwe chinhu chiri nyore, zvisinei zvakakosha kuti uone kuti ndeipi danho re solvency rakaringana. Kunyangwe iri yemari yako wega, kana iwe uri muridzi wekambani, kana iwe uri muzvinashawo anofarira kuisa kuvimba kwako uye iwe uchida kuve neyakavimbika uye ine chinangwa chinoshanduka pakuongorora.
Maitiro ekududzira solvency yekudyara
Tiri kurarama munyika inokwikwidza zvikuru uko pasina munhu anoda kusiiwa kumashure. Kune makambani anokwanisa kugadzira purofiti yakakwana kuti asazokwereta kana kuita zvishoma. Nekudaro, iyo nyaya yemakambani mazhinji inosundira kuita mari nyowani, kazhinji ichikumbira zvikwereti zvitsva, uye iri pano panogona kuratidza solvency reshiyo kusvika padanho raunogona kukwereta. Se data, ruzivo urwu runogona kugara rwuchiperekedzwa neyakaenzana mari yekuzvimiririra iyo yatakambokurukura nezvayo.
Ndeapi matanho akakodzera
Kambani ine chiyero chakadzikira pane iyo 1.75 yatakapa mumuenzaniso wapfuura, semuenzaniso kuva ne1.2, zvaizoreva kuti solvency yayo yakadzika. Mune mamwe mazwi, kugona kwavo kuwana zvitsva, kana kugadzira zvivakwa zvitsva, kubhadhara yakawanda mihoro, nezvimwewo, kunenge kuri kushoma. Tinogona kutsanangura uye zvinogamuchirwa kwazvo izvo nhanho yakakwana yesolvency yaizobva pa1.5. Chero chinhu chiri pasi pe1.5 chingave chisina kusimba chikwereti, uye chakaderera chingave.
Nekudaro, haazi maindasitiri ese anoshanda nenzira imwechete, uye kune zvimwe uko zvikwereti zvinowanzove zvakaderera uye zvimwe zvakakwirira (senyika yekuvaka, semuenzaniso).
Maitiro ekufunga nezve nhoroondo yeiyo solvency level yekambani
Chiyero chesolvency chakaperekedzwa nezvikamu zvemakore apfuura zvinogona kushanda segwara rekudyara. Zvakwana inoshandiswa pakuongorora kwakakosha, uye danho re solvency rakatemwa nekusimbiswa nekufamba kwenguva rinogona kududzirwa nenzira dzakasiyana siyana.
Muchiitiko chekuti kambani iri kuramba ichikura, ndokuti, iyo Net Kukosha kwayo inowedzera zvakatsiga nekufamba kwenguva uye zvakare inochengetedza iyo solvency nhanho chiratidzo chakanaka. Zvinogona kunge, pakati pezvimwe zvinhu, kuti manejimendi timu yakatsanangura zano rakanaka uye inochengetedza chiyero mumatauriro ayo emari akatsiga pamusoro pemakore.
Kana, pane zvinopesana, yako solvency yako ichichengetwa, zvisinei, yako Net Kukosha inoderera, zvinokwanisika kuti zvikamu zvako zvidzikirewo. Kana zvisiri, uye masheya ako akasimuka, varimi vanogona kunge vasina kucherechedza kurasikirwa mukukosha kana paine zvimwe zvirongwa zvehurongwa. Iyi poindi inofanirwa kuongororwa yega, kambani imwe neimwe nyika (sezvandinowanzo taura).
Kune rimwe divi, zvinopera pasina kutaura izvozvo kurasikirwa kunopfuurira kwesolvency level mukambani haisi chiratidzo chakanaka, kunyanya kana ichitsigirwa, kana kuti kuramba uchiwedzera chinhu chakanaka. Iwe unofanirwa kuve nechokwadi chekuti kambani inoshandisa izvi zvinhu, ndiko kuti, inoda kuramba ichikura. Mamiriro ezvinhu akakodzera (kana imwe yacho) angave ekuona kambani iine huwandu hwesolvency inowedzera, iyo inogona kuzopedzisira yadzikira painenge ichiwedzera, yozoenderera mberi nekuwanazve solvency mazinga, zvichingodaro futi.
Insolvency
Iyi nzvimbo ine madhaka ndipo pasina angade kusvika, inozivikanwawo sekuti kubhuroka kana kubhuroka. Insolvency inopesana ne solvency, kutadza kusangana nekubhadharwa kwemari yaakweretwa. kuvapo mhando mbiri dzekusabhadharisa mari, mari / kuyerera kwemari uye bharanzi sheet.
Insolvency yemari inoyerera kana mari ndipo apo kambani kana munhu asina mari yekutarisana nezvikwereti zvenguva yemberi, asi kana uine zvinhu zvakakwana. Aya mamiriro anowanzo gadziriswa nekutaurirana nemukweretesi nzira dzekubhadhara. Kazhinji mukweretesi ane zvinhu zvakakosha, senge chivakwa, michina, mota, nezvimwe, uye mukweretesi anogona kumirira kuti agamuchire mari. Kunonoka uku kunowanzo kurangwa neimwe nzira, saka zvinogona kusanganisira imwe yakanaka kana yakafanana mukuwedzera pakubhadhara kwekupedzisira kwechikwereti.
Balance pepa insolvency Inoitika kana zvese midziyo yekambani haina kana kukwana kutarisana nemubhadharo wekupedzisira wechikwereti. Kazhinji, mamiriro ezvinhu aya anotariswa musati waitika muripo unotevera, mune izvo zvatofungidzirwa kuti hapazove nenzira yekubhadhara inotevera kubhadhara kana kuchengetedza chero mhando yechiitiko. Iyi mamiriro ezvinhu asati aitika, zvinowanzotarisirwa kuchengetedza chiitiko (chebhenefiti yacho inounza). Chekupedzisira, vese mukweretesi uye mukweretesi vanogona kutaurirana mamiriro ezvinhu aya uye vagamuchire kurasikirwa kudiki, kana kutaurirana chikwereti chitsva kana nzira yekubhadhara inovabvumidza kuchengetedza chiitiko.