ukuqina ratio

Kwihlabathi lezemali, umlinganiselo ubaluleke kakhulu kuhlalutyo lwenkampani

Ihlabathi lezemali libanzi kakhulu, oko akukho mfihlakalo. Zininzi iimveliso zemali esifikelela kuzo, iindlela ezahlukeneyo zotyalo-mali, inani elingapheliyo leengqikelelo ezahlukeneyo kunye nobuninzi bokunokwenzeka. Ukuhamba ngcono kweli hlabathi kwaye ukwazi ukwenza izigqibo ezifanelekileyo ngakumbi, ulungelelwaniso lubalulekile. Kukho iintlobo ezininzi ezahlukeneyo, kodwa kweli nqaku siza kuthetha malunga nomlinganiselo wokuqina.

Uthini lo mlinganiselo? Yenzelwe ntoni? Ibalwa njani? Siza kuphendula yonke le mibuzo kwaye sicacise indlela yokutolika isiphumo sefomula. Ukuba unomdla kumlinganiselo wokuqina, ndincoma ukuba uqhubeke ufunda.

Yintoni umlinganiselo wokuqina?

Umlinganiselo wokuqina utolikwa njengesiqinisekiso okanye ukhuseleko inkampani enikezela ngayo kubabolekisi bayo kwixesha elide.

Kwilizwe lezemali, ulungelelwaniso zizinto ezibaluleke kakhulu. Ikwabizwa ngokuba yimilinganiselo yemali kunye Ngokusisiseko ziyimilinganiselo eyenza kube lula ukuthelekisa imeko yezemali yenkampani enamaxabiso aphakathi okanye afanelekileyo kwicandelo.. Oko kukuthi: Ulungelelwaniso liqhezu apho idinomineyitha kunye nenani eli nani zizinto zokubala ezifunyenwe kwiiakhawunti zonyaka zeenkampani.

Kukho iintlobo ezininzi ezahlukeneyo zomlinganiselo, njenge isiqinisekiso ratio okanye ukufumaneka komlinganiselo. Ngamnye usinika ulwazi malunga nenkalo ethile yenkampani enomdla kuthi. Injongo yokugqibela yomlinganiselo kukusinika ulwazi malunga nemeko yemali yenkampani, nto leyo eya kusinceda ukuba senze izigqibo, njengoosomashishini, oosomashishini okanye njengabatyali-mali. Kodwa eyona nto inomdla kuthi kweli nqaku ngumlinganiselo wokuqina, owaziwa ngokuba yi-consistency ratio.

Injongo yalo mlinganiselo kukulinganisa ubudlelwane phakathi kwamatyala afunekayo kunye nee-asethi ezisisigxina zenkampani kwixesha elide. Yintoni kanye kanye ebonisa oku? Njengokuba, Umlinganiselo wokuqina utolikwa njengesiqinisekiso okanye ukhuseleko oluthe inkampani ibonelela ngabatyalwayo bexesha elide. Kule meko, ukubaluleka kuxhomekeke kwinyani yokuba izinto ezisisigxina zenkampani zixhaswa ngemali kwixesha elide. Ukuqukumbela: Umlinganiselo wokuqina usixelela ukuba ingakanani iqondo okanye ubukhulu bempahla yexabiso esisigxina yenkampani exhaswa ngemali. Kwaye ngenxa yolu lwazi siya kuba nakho ukwazi i-solvency yenkampani kunye nababolekisi bayo.

Ubalwa njani umlinganiselo wokuqina?

Ukubala umlinganiselo wokuqina kufuneka sazi ukuba zeziphi ii-asethi ezisisigxina kunye namatyala exesha elide

Ngoku siyazi ukuba yintoni umlinganiselo wokuqina, makhe sibone ukuba ubalwa njani. Ifomula ilula kakhulu, Ewe, kuya kufuneka sazi kuphela amaqhekeza amabini olwazi ukuze sikwazi ukuwenza: Ii-asethi ezizinzileyo kunye namatyala ahlawulwayo, kwixesha elide, kunjalo.

  1. Ii-asethi ezisisigxina okanye ezingashukumiyo: Zizo zonke ezo zinto ziya kugqiba ukujika zibe yimali emva kwexesha elide. Ngokubanzi, i-asethi engatshintshiyo yiyo eya kuxhasa ngemali ityala elimiselweyo.
  2. Amatyala exesha elide: Oku kwenziwa ngawo onke loo matyala inkampani ekuthethwa ngayo ekuvuthweni kwayo ixesha elide, ngakumbi ngaphezulu kweentsuku ezingama-365.

Ukuqonda ngcono iikhonsepthi eziyimfuneko kulo mlinganiselo kunye nokwazi idatha esiyidingayo ukuyibala, siya kutyhila ifomula:

Umlinganiselo wokuqina = Ii-asethi ezisisigxina ezipheleleyo / amatyala exesha elide

Ukutolikwa kwesiphumo

Emva kokuba sinedatha efunekayo kwaye sisebenzise ifomula, siya kufumana inani elincinci njengesiphumo, kodwa lithetha ukuthini? Makhe sibone ukuba yintoni na iibarometers ezisekiweyo ukutolika umlinganiselo wokuqina:

  • Ilingana no-2: Xa isiphumo silingana no-2, okanye ubuncinane sisondele kakhulu, oku kubonisa ukuba inkampani echaphazelekayo ixhasa ngemali i-50% yezinto zayo ezisisigxina okanye ezisisigxina ngamatyala exesha elide. Ngakolunye uhlangothi, i-50% eseleyo ixhaswa ngemali ngezibonelelo zayo, nje ukuba ezi zinkulu okanye zilingana nobutyala bexesha elide.
  • Enkulu kuno-2: Uninzi, oko kukuthi, ngaphezu kwe-50% yempahla esisigxina okanye engashukumiyo, ixhaswa ngemali yimithombo yenkampani. Kufuneka kuthathelwe ingqalelo ukuba, kule meko, kufuneka babe nkulu kunobutyala bexesha elide kwaye abanako ukuxhaswa ngetyala lexesha elifutshane. Isenokuthi kwakhona ibonise ukuba uninzi lwee-asethi ezimiselweyo okanye ezisisigxina zixhaswa ngemali ngamatyala exeshana elifutshane, nto leyo edla ngokwenzeka xa ubutyebi benkampani bungaphantsi kwamatyala exesha elide. Oku kunokugqibela kubangela ukunqunyanyiswa kwentlawulo.
  • Ngaphantsi kwe-2: Xa umlinganiselo wokuqina ungaphantsi kwe-2, ibonisa isiqinisekiso esingaphantsi okanye ukhuseleko lwenkampani kubabolekisi bexesha elide. Ngoko ke, kungcono ukuba umphumo usondele kwi-2 kangangoko kunokwenzeka.

Yintoni umlinganiselo wokuqina?

Umlinganiselo wokuqina unceda ukulinganisa ukuba inkampani ineengxaki okanye inokuba neengxaki xa isiza ekujonganeni neentlawulo zayo

Ukuqukumbela, umlinganiselo wokuqina, njengezinye iindidi zomlinganiselo we solvency, Izalisekisa injongo yokulinganisa ukuba inkampani ineengxaki okanye inazo na xa ifikelela kwiintlawulo zayo kunye nezibophelelo zayo kunye nabo bayityalayo. Ngokucacileyo, okukhona ilungelelene ngakumbi inkampani ekuthethwa ngayo, kokukhona imilinganiselo yayo iya kuba ngcono. Ngenxa yoko, abatyali-zimali, nokuba bangabathengi bezabelo kwimarike yemasheya okanye iibhondi zabo, baya kuziva bekhuselekile.

Nangona kuyinyani ukuba umlinganiselo wenkampani usinika ulwazi oluninzi malunga nayo, eyona nto ingcono sinokuyenza kukuthelekisa nezinye iinkampani ezikwicandelo elinye ukufumana umbono ongcono. Ngale ndlela sinokufumanisa ukuba yeyiphi inkampani ekwimeko engcono, singathatheli ngqalelo kuphela umlinganiselo wokuqina, kodwa nolunye ulungelelwaniso oluya kusinceda sibone kakuhle ukuba yintoni na imeko yemali yenkampani.

Ukongeza, kukwacetyiswa kakhulu ukuba ubone indlela iireyishini zeenkampani eziguquka ngayo ngekota. Ngale ndlela sinokwazi ukuba ngaba bayilawula kakuhle inkampani okanye hayi. Ukuba niyavana, umlinganiselo ofunyenweyo kufuneka ubengcono kwaye ubengcono xa uthelekisa nenkampani enye kunye nabo bakhuphisana nabo.

Nanini na xa sifuna ukuphanda iinkampani kwicandelo elithile ukuze sityale imali kuzo, kubalulekile ukwenza uhlalutyo olubanzi kunye nokwenza uthelekiso ukuqokelela yonke idatha ebalulekileyo kwaye wenze isigqibo esingcono. Ngoku siyazi ukubala umlinganiselo wokuqina, sinolunye uncedo oluncinci ukwenza lo msebenzi.


Yiba ngowokuqala ukuphawula

Shiya uluvo lwakho

Idilesi yakho ye email aziyi kupapashwa. ezidingekayo ziphawulwe *

*

*

  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.