Isolvency isetyenziswa njengesalathiso ngaphakathi kweengxelo zemali zequmrhu. Inokuba ivela kwinkampani, umntu osemthethweni okanye umntu wendalo. Izama ukuchaza amandla oqoqosho umntu ekufuneka ajongane noxanduva lwezoqoqosho. Ukufumanisa ukuba unamandla mani, ujonge ubudlelwane obumisela ukuba zingaphi iiasethi onazo ngokunxulumene namatyala. Obu budlelwane buquka ukwahlula iiasethi zizonke ezizezabanini ngokumalunga ne-asethi.
Musa ukudideka nomyinge wokuzimela kwemali okanye ukuba nemali. Isisombululo ilandela ukukwazi ukujongana nekamva iintlawulo ngelixa umda wokuzimela kwemali ulandela amandla enkampani okanye umntu ukuba aboleke. Kwelinye icala, ukungabinamali ayingomlinganiso ovela kwenye indawo, kodwa ngokuthandwayo, ukuba nemali kuhlala kudidekile kukusombulula. Ke, i-solvency sisalathiso esihle sokuhlalutya inkampani ngokwezezimali okanye ngokwezezimali. Ukuliqonda ngokusondeleyo, eli nqaku liza kujikeleza kwisisombululo kwaye sichaze indlela yokuyibala kunye nendlela esinokusitolika ngayo esi salathisi.
Ibalwa njani i-solvency
Ubalo ekufuneka lwenziwe ukumisela inqanaba lenkampani kwisolvency ilula. Kwelinye icala, kuya kufuneka udibanise zonke iiasethi, kwaye emva koko wahlule elo xabiso ngokwamaxabiso onke amatyala. Masibone ngcono ngomzekelo:
- Iimpahla: Iyonke ngama-350.000 euros.
- Amatyala: Iyonke ngama-200.000 eeuros.
- Iimpahla / amatyala: 1.75 inqanaba lesolvency.
Njengoko ubona, ukufumana esi salathisi yinto elula, nangona kunjalo kubalulekile ukumisela ukuba leliphi inqanaba lesolvency elaneleyo. Nokuba kungenxa yemali yakho yobuqu, ukuba ungumnini wenkampani, okanye ungumtyali-mali onomdla wokubeka ukuthembela kwakho kwaye ufuna ukuba nokwahluka okuthembekileyo kunye nenjongo yohlalutyo.
Ukutolika njani ukufaneleka kwamatyala kutyalo-mali
Siphila kwihlabathi elinokhuphiswano apho kungekho mntu ufuna ukushiyeka ngasemva. Kukho iinkampani eziza ukuvelisa inzuzo eyoneleyo ukuze kungabikho mfuneko yokuboleka okanye ukwenza oko kancinci. Nangona kunjalo, imeko yeenkampani ezininzi zityhala ukwenza utyalomali olutsha, zihlala zicela iimali mboleko ezintsha, kwaye kulapha apho umlinganiso wesolvency ungabonisa ukuba leliphi inqanaba onokuboleka kulo. Njengedatha, olu lwazi lunokuhlala lukhatshwa ngumlinganiso wokuzimela kwemali esike saxoxa ngaphambili.
Ngawaphi amanqanaba afanelekileyo
Inkampani ene-ratio ephantsi kune-1.75 esiyinike umzekelo wangaphambili, umzekelo ukuba ne-1.2, kuya kuthetha ukuba inqanaba lesolvency liphantsi. Ngamanye amagama, ukubanakho kwabo ukufumana iikhredithi ezintsha, okanye ukwenza ulwakhiwo olutsha, ukuhlawula imivuzo engaphezulu, njl. Singachaza kwaye yamkelwe ngokubanzi loo nto inqanaba elaneleyo lesolvency liya kuvela kwi-1.5. Nantoni na engaphantsi kwe-1.5 iya kuba solvency ebuthathaka, kwaye isezantsi iya kuba njalo.
Nangona kunjalo, ayingawo onke amashishini ahamba ngendlela efanayo, kwaye kukho apho amanqanaba etyala ahlala esezantsi kwaye amanye ephezulu (njengehlabathi lolwakhiwo, umzekelo).
Uyithathela ingqalelo njani imbali yenqanaba lenkampani kwisolvency
Umlinganiso wesolvency ohamba kunye nemilinganiselo yeminyaka edlulileyo unokusebenza njengesikhokelo kutyalo-mali. Kwanele isetyenziswe kuhlalutyo olusisiseko, kwaye inqanaba lesolvency elimiselweyo kwaye ligcinwa ngokuhamba kwexesha linokutolikwa ngeendlela ezahlukeneyo.
Kwimeko apho inkampani iyaqhubeka nokukhula, Oko kukuthi, iNet Worth yayo inyuka ngokuzinzileyo ekuhambeni kwexesha kwaye igcina inqanaba lesolvency luphawu olulungileyo. Kungenzeka, phakathi kwezinye izinto, ukuba iqela lolawulo lichaze isicwangciso esiliqili kwaye ligcina ulungelelwaniso kwiingxelo zalo zezemali ezizinzileyo kule minyaka idlulileyo.
Ukuba, ngokuchaseneyo, i-solvency yakho igcinwa, nangona kunjalo, iNet Worth yakho iyancipha, kunokwenzeka ukuba izabelo zakho ziya kuncipha. Ukuba akunjalo, kwaye izabelo zakho ziyaphakama, abatyali mali basenokungayiboni ilahleko ngexabiso okanye kukho ezinye izicwangciso zobuchule. Le ngongoma kufuneka iphandwe yodwa, inkampani nganye kwihlabathi (njengoko ndihlala nditsho).
Kwelinye icala, ayithethi loo nto ilahleko eqhubekayo yenqanaba lesolvency kwinkampani ayisiyonto ilungileyo, ngakumbi ukuba iyagcinwa, okanye ukonyuka okungapheliyo yinto elungileyo. Kuya kufuneka uqiniseke ukuba inkampani iyazisebenzisa ezi asethi, oko kukuthi, ifuna ukuqhubeka nokukhula. Isimo esifanelekileyo (okanye ubuncinci esinye sazo) iya kuba kukubona inkampani inyusa amanqanaba esolvency, enokuthi ekugqibeleni yehle xa isanda, kwaye iqhubeke nokufumana kwakhona amanqanaba esolvency, njalo njalo.
Ukungabinamali
Lo mhlaba umgxobhozo kulapho kungekho mntu uya kufuna ukuya khona, okwabizwa ngokuba kukungabinamali okanye njengongenamali. Ukungakwazi ukuhlawula amatyala kukuchasene nesolvency, ukungakwazi ukuhlangabezana neentlawulo zemali oyityalwayo. zikhona Iindidi ezimbini zokungakwazi ukuhlawula amatyala, imali / ukuhamba kwemali kunye nebhalansi.
Ukungabinamali yokuhamba kwemali okanye imali kuxa inkampani okanye umntu engenamali yokujongana neentlawulo ezizayo, kodwa ukuba unempahla eyaneleyo. Le meko ihlala isonjululwa ngokuthethana nombolekisi ngeendlela zokuhlawula. Ngokwesiqhelo umntu onetyala unezinto zexabiso, ezinjengepropathi, oomatshini, imoto, njalo njalo, kwaye umntu obolekayo angalinda afumane intlawulo. Oku kulibaziseka kuhlala kohlwaywa ngandlela thile, kungabandakanya isohlwayo okanye into enjalo, ngaphandle kwentlawulo yokugqibela yetyala.
Iphepha lokulinganisa ukungabinamali yenzeka xa zonke iiasethi zenkampani azonelanga ukujongana nentlawulo yokugqibela yetyala. Ngokwesiqhelo, le meko icingelwa ngaphambi kokuba kuvele intlawulo elandelayo, apho sele kucingelwa ukuba akusayi kubakho ndlela yokuhlawula iintlawulo zilandelayo okanye ukugcina naluphi na uhlobo lomsebenzi. Phambi kokuba le meko yenzeke, kuhlala kugqitywe ukuba kugcinwe umsebenzi (ngezibonelelo ezizisayo). Okokugqibela, bobabini obolekayo kunye notyalayo banokuthetha-thethana ngale meko kwaye bamkele ilahleko encinci, okanye bathethathethane ngetyala elitsha okanye uhlobo lwentlawulo olubavumela ukuba baqhubeke nomsebenzi.