Njengoko sonke sisazi, ukutyala imali kwiinkampani kunokuba luncedo kakhulu, kodwa kube yingozi kakhulu. Yiyo loo nto kubalulekile ukuba siyazi indlela yokuhlalutya inkampani kwaye sazi indlela yokutolika amanani. Uncedo olulungileyo kulo msebenzi ngumlinganiselo wesiqinisekiso, esiya kuthi ngayo sazi ukuba inkampani isondele kangakanani na kubhanga.
Ukuba awukacaci ngokupheleleyo malunga nokuba yintoni le ngcamango, ungakhathazeki. Kweli nqaku siyacacisa yintoni umlinganiselo wesiqinisekiso, ubalwa njani kwaye yeyiphi indlela echanekileyo yokuyitolika.
Yintoni umlinganiselo wesiqinisekiso?
Ngaphambi kokuba uchaze ngokuthe ngqo ukuba yintoni umlinganiselo wesiqinisekiso, owaziwa ngokuba yi-coefficient yesiqinisekiso, makhe siqale sicacise ukuba kuthetha ukuthini "umlinganiselo" kwezoqoqosho. Ubudlelwane bobungakanani obukhoyo phakathi kwezinto ezimbini ezahlukeneyo kwaye zibonisa imeko ethile malunga nenqanaba labatyalo-mali, inzuzo, njl. Ulungelelwaniso lusetyenziswa kakhulu kwihlabathi lezemali kwaye luyimfuneko ukucacisa iingcamango nokwenza izigqibo.
Ngokumalunga nesiqinisekiso somlinganiso, Le yimetric esetyenziselwa ukufumanisa ukuba yintoni umngcipheko wokutshona kwinkampani ethile. Kamva siza kuxoxa ngqo ngendlela yokubala ngayo, kodwa okwangoku singakwazi ukunamathela kwingcamango yokuba kusetyenziswe ifomula enxulumanisa ityala lenkampani nezinto zayo. Siza kuphawula apha ngezantsi kwizitshixo zomlinganiselo wesiqinisekiso kunye nesicelo esinaso kwimeko yenkampani.
Njengoko besele sitshilo ngaphambili, isiqinisekiso somlinganiso ubonisa ukuba ikude kangakanani okanye isondele kangakanani inkampani ekubhaqweni ngokobuchwepheshe. Ngoko ke, Hlalutya i-solvency yenkampani. Ukuze ukwazi ukuhlalutya imeko yayo yezemali, lo mlinganiselo uthelekisa amatyala afunekayo kunye nee-asethi zokwenyani zenkampani. Kodwa zithini ezi ngcamango? Ewe, ii-asethi zokwenyani zenkampani zezo zinokuba nexabiso lokwenyani xa kunokuthiwa kupheliswe. Malunga namatyala, lityala elixhaswa yinkampani.
Kwimeko yokungabikho kwemali, umlinganiselo wesiqinisekiso unokusixelela ukuba inkampani ingakwazi na ukuhlawula ityala enalo. Kakade ke, ukuze enze oku, kwakuza kufuneka athengise izinto zakhe. Lo nto, esi salathisi sisalathiso sangaphakathi nangaphandle. Ngaphakathi, kuba ibonisa imeko yenkampani emehlweni abalawuli bayo. Ngaphandle, kuba ibonisa ingozi ecingelwa ngabatyalo-mali abaqikelelwayo.
Ubalwa njani umlinganiselo wesiqinisekiso?
Ngoku siyazi ukuba yintoni umlinganiselo wesiqinisekiso, siza kuchaza indlela yokubala ngayo. Ifomula echanekileyo yalo msebenzi kukwahlulwa kwempahla yokwenyani yenkampani phakathi kwamatyala afunekayo. Eli tyala likwabandakanya naloo matyala inkampani enokuba nawo kubaboneleli, kwiSebe lezeMali, kwiibhanki okanye nalo naluphi na uhlobo lombolekisi. Ke, ifomula iya kuba ngolu hlobo lulandelayo:
Umlinganiselo wesiqinisekiso = Ii-asethi eziyinyani zenkampani / amatyala afunekayo (amatyala)
Ukwenza kucace ngakumbi, siza kusebenzisa inkampani yezothutho njengomzekelo. Ii-asethi zokwenyani, oko kukuthi, ezo asethi zinokuthengiswa xa kuthe kwabhangiswa, zenziwe ngeeveni zokuhambisa ezine kunye nendawo yokugcina izinto. Zizonke zinexabiso le-2,4 yezigidi ze-euro. Ngokuphathelele amatyala, le nkampani inetyala le-850 lamawaka eeuro kubabolekisi abahlukeneyo kunye ne-140 lamawaka eeuro kuNondyebo. Ityala elihlawulwayo lilonke liya kuba yi-990 lamawaka eeuro. Ngala manani siya kusebenzisa ifomula:
Umlinganiselo wesiqinisekiso = 2.400.000 / 990.000 = 2,42
Ngaloo ndlela, umlinganiselo wesiqinisekiso sale nkampani yezothutho yi-2,42. Yaye eli nani lisixelela ntoni? Ngokwemetrics zemveli zeshishini, ukuba imeko ithathwe njengesiqhelo, umlinganiselo wesiqinisekiso kufuneka ube phakathi kwe-1,5 kunye ne-2,5. Le yimeko yenkampani esiyibeke njengomzekelo. Kodwa kwenzeka ntoni ukuba umlinganiselo ungaphantsi okanye ungaphezulu kwala manqanaba? Siza kuphawula ngayo ngezantsi.
Ingcaciso
Sele siyayazi indlela yokubala umlinganiselo wesiqinisekiso kwaye ngawaphi amaxabiso athathwa njengesiqhelo kwinkampani. Nangona kunjalo, sinokufumana iimeko apho i-coefficient yesiqinisekiso ingaphantsi okanye ngaphezulu kwamanqanaba aqhelekileyo. Itolikwa njani kwezo meko?
Ukuba emva kokwenza ukubala ngokuchanekileyo, umlinganiselo wesiqinisekiso senkampani ungaphantsi kwe-1,5, luphawu olubi. Oku kuthetha ukuba inkampani ekuthethwa ngayo sele iza kubhanga. Ke okukhona usezantsi umlinganiselo wesiqinisekiso, kokukhona umngcipheko wokuba inkampani inawo. Kwenzeka ntoni kwezi meko kukuba ukuthengiswa kwempahla yenkampani akuyi kukwanela ukuhlawula onke amatyala ahlawulwayo, oko kukuthi, onke amatyala inkampani enayo.
Makhe sinike umzekelo wesiqinisekiso somlinganiselo ongaphantsi kwesiqhelo. Masithi inkampani ine-asethi enexabiso le-56 yezigidi ze-euro. Nangona kunjalo, inamatyala anyanzeliswayo angama-67 ezigidi zee-euro. Ukuba sisebenzisa i-formula (i-guarantee ratio = 56 yezigidi / 67 yezigidi), siya kufumanisa ukuba umlinganiselo wesiqinisekiso ngu-0,84. Njengoko kubonakala nje ngokujonga ixabiso le-asethi kunye netyala elifunyenwe yinkampani, kuphela ngokuthengisa ezo mpahla ayizange ikwazi ukusombulula amatyala ayo.
Imeko echaseneyo nayo inokwenzeka: Inkampani enesiqinisekiso somlinganiselo omkhulu kune-2,5. Xa i-coefficient iphezulu kakhulu, oko akuthethi ukuba imeko yenkampani iphilile. Ingaphezulu: Xa umlinganiselo wesiqinisekiso uphezulu kakhulu, oku kuthetha ukuba inkampani ekuthethwa ngayo ayisebenzisi ngokwaneleyo imali yangaphandle. Le nyaniso inokuthintela inkampani ekwenzeni utyalo-mali oluthile, ukutsala inzala kwityala okanye ukusasaza izabelo, ekubeni incama inxalenye ebalulekileyo yengeniso kutyalo-mali.
Ngoku siyazi ukuba yintoni umlinganiselo wesiqinisekiso, yintoni ifomula yayo kunye nendlela yokuyitolika, iya kuba luncedo olukhulu xa kuphanda iinkampani malunga notyalo-mali kwixesha elizayo. Khumbula ukuba Kubaluleke kakhulu ukwenza uhlalutyo olulungileyo ngaphambi kokuba wenze isigqibo.