isilinganiso sokuqina

Ezweni lezezimali, izilinganiso zibaluleke kakhulu ekuhlaziyeni inkampani

Izwe lezezimali libanzi kakhulu, lokho akuyona imfihlakalo. Kunemikhiqizo eminingi yezezimali esingakwazi ukuyifinyelela, amasu ahlukahlukene okutshala imali, inani elingapheli lemiqondo ehlukahlukene kanye nenqwaba yamathuba. Ukuhamba kangcono kulo mhlaba futhi ukwazi ukwenza izinqumo ezifanele kakhulu, izilinganiso zibalulekile. Kunezinhlobo eziningi ezahlukene, kodwa kulesi sihloko sizokhuluma ngesilinganiso sokuqina.

Siyini lesi silinganiso? Kwenzelweni? Ibalwa kanjani? Sizophendula yonke le mibuzo futhi sichaze indlela yokuhumusha umphumela wefomula. Uma unentshisekelo kusilinganiso sokuqina, ngincoma ukuthi uqhubeke ufunda.

Siyini isilinganiso sokuqina?

Isilinganiso sokuqina sihunyushwa njengesiqinisekiso noma isibambiso inkampani enikeza ababolekisi bayo ngokuhamba kwesikhathi.

Ezweni lezezimali, izilinganiso ziyingxenye ebaluleke kakhulu. Kwaziwa nangokuthi izilinganiso zezezimali kanye Ngokuyisisekelo ziyizilinganiso ezenza kube nokwenzeka ukuqhathanisa isimo sezimali senkampani ngamavelu amaphakathi noma alungile emkhakheni.. Okusho ukuthi: Izilinganiso ziyingxenyana lapho idinomineyitha nenombolo kuyizinto zokubala ezitholakala kuma-akhawunti onyaka ezinkampani.

Kunezinhlobo eziningi ezahlukene zezilinganiso, njenge isilinganiso sesiqinisekiso noma i isilinganiso sokutholakala. Ngayinye isinika ulwazi mayelana nesici esithile senkampani esisithakaselayo. Inhloso yokugcina yezilinganiso ukusinikeza ulwazi mayelana nesimo sezimali senkampani, okuzosisiza ukuthi senze izinqumo, njengosomabhizinisi, osomabhizinisi noma njengabatshalizimali. Kodwa esithakaselayo kulesi sihloko isilinganiso sokuqina, esibuye saziwe ngokuthi isilinganiso sokuvumelana.

Umgomo walesi silinganiso uwukulinganisa ubudlelwano phakathi kwezikweletu ezidingekayo kanye nezimpahla ezingashintshi zenkampani esikhathini eside. Lokhu kubonisani ngempela? Kanjalo, isilinganiso sokuqina sihunyushwa njengesiqinisekiso noma ukuphepha okuthe inkampani inikeza ababolekisi bayo besikhathi eside. Kulokhu, ukubaluleka kulele ikakhulukazi eqinisweni lokuthi izimpahla ezingashintshi zenkampani zixhaswa ngezimali esikhathini eside. Sengiphetha: Isilinganiso sokuqina sisitshela ukuthi izimpahla ezingashintshiwe zenkampani zixhaswa ngezinga elingakanani. Futhi ngenxa yalolu lwazi sizokwazi ukwazi i-solvency yenkampani nababolekisi bayo.

Sibalwa kanjani isilinganiso sokuqina?

Ukuze sibale isilinganiso sokuqina kufanele sazi ukuthi yiziphi izimpahla ezingashintshi kanye nezikweletu zesikhathi eside

Manje njengoba sesiyazi ukuthi iyini isilinganiso sokuqina, ake sibone ukuthi sibalwa kanjani. Ifomula ilula kakhulu, Nokho, sizodinga kuphela ukwazi izingxenye ezimbili zolwazi ukuze sikwazi ukukufeza: Izimpahla ezingashintshi kanye nezikweletu ezikhokhwayo, esikhathini eside, kunjalo.

  1. Izimpahla ezingashintshi noma ezinganyakazi: Yizo zonke lezo zici ezizogcina ziphenduka imali ngemuva kwesikhathi eside. Ngokuvamile, impahla engashintshi iyona ezokhokhela isikweletu esingashintshi.
  2. Izikweletu zesikhathi eside: Lokhu kwakhiwa yizo zonke lezo zikweletu inkampani okukhulunywa ngayo enazo ukuvuthwa kwazo okwesikhathi eside, esikhulu kakhulu kunezinsuku ezingama-365.

Ngokuqonda kangcono imiqondo edingekayo kulesi silinganiso nokwazi idatha esiyidingayo ukuze siyibale, sizokwethula ifomula:

Isilinganiso sokuqina = Isamba sempahla engashintshi / Izikweletu zesikhathi eside

Ukuhunyushwa komphumela

Uma sesinedatha edingekayo futhi sesisebenzise ifomula, sizothola inombolo encane njengomphumela, kodwa kusho ukuthini? Ake sibone ukuthi yiziphi ama-barometer asungulwe ukuchazwa kwesilinganiso sokuqina:

  • Ilingana no-2: Uma umphumela ulingana no-2, noma okungenani useduze kakhulu, lokhu kubonisa ukuthi inkampani okukhulunywa ngayo ixhasa ngezimali u-50% wezimpahla zayo ezingashintshi noma ezingashintshi ngezikweletu zesikhathi eside. Ngakolunye uhlangothi, ama-50% asele axhaswe ngezinsiza zawo, inqobo nje uma lezi zikhulu noma okungenani zilingana nesikweletu sesikhathi eside.
  • Okukhulu kunoku-2: Iningi, okungukuthi, ngaphezu kuka-50% wempahla engashintshi noma enganyakazi, ixhaswa ngezimali yizinsiza zenkampani uqobo. Kumele kucatshangelwe ukuthi, kulokhu, kufanele kube mkhulu kunesikweletu sesikhathi eside futhi ngeke bakwazi ukuxhaswa ngesikweletu sesikhathi esifushane. Kungase futhi kubonise ukuthi eziningi zezimpahla ezingashintshi noma ezingashintshi zixhaswa ngezikweletu zesikhathi esifushane, ngokuvamile ezenzeka lapho izinsiza zenkampani zingaphansi kwezikweletu zesikhathi eside. Lokhu kungase kugcine kudala ukumiswa kokukhokha.
  • Ngaphansi kuka-2: Uma isilinganiso sokuqina singaphansi kuka-2, sibonisa isiqinisekiso esincane noma ukuphepha kwenkampani kubabolekisi besikhathi eside. Ngakho-ke, kungcono kakhulu uma umphumela useduze no-2 ngangokunokwenzeka.

Iyini isilinganiso sokuqina?

Isilinganiso sokuqina siyasiza ukukala ukuthi inkampani inezinkinga noma ingase ibe nezinkinga uma kuziwa ekubhekaneni nezinkokhelo zayo

Sengiphetha, isilinganiso sokuqina, njengezinye izinhlobo zezilinganiso ze solvency, Ihlangabezana nomgomo wokulinganisa ukuthi inkampani inezinkinga noma ingase ibe nezinkinga uma kuziwa ekuhlangabezaneni nezinkokhelo zayo nezibopho nababolekisi bayo. Ngokusobala, uma inkampani okukhulunywa ngayo ilinganisela kakhulu, izilinganiso zayo zizoba ngcono. Ngenxa yalokho, abatshalizimali, kungakhathaliseki ukuthi bangabathengi bamasheya emakethe yamasheya noma amabhondi abo, bazozizwa belondeke kakhudlwana.

Nakuba kuyiqiniso ukuthi izilinganiso zenkampani zisinika ulwazi oluningi ngayo, okungcono kakhulu esingakwenza wukuqhathanisa nezinye izinkampani ezisemkhakheni ofanayo ukuze uthole umqondo ongcono. Ngale ndlela singathola ukuthi iyiphi inkampani esesimweni esingcono, singabheki nje kuphela isilinganiso sokuqina, kodwa nezinye izilinganiso ezizosisiza sibone kangcono ukuthi siyini isimo sezimali senkampani.

Ngaphezu kwalokho, kubuye kunconywe kakhulu ukubona ukuthi izilinganiso zezinkampani zithuthuka kanjani njalo ngekota. Ngale ndlela singakwazi ukwazi ukuthi bayiphethe kahle yini inkampani noma cha. Uma nizwana, izilinganiso ezitholiwe kufanele zibe ngcono futhi zibe ngcono uma ziqhathaniswa nenkampani efanayo kanye nezimbangi zayo.

Noma nini lapho sifuna ukuphenya izinkampani emkhakheni othize ukuze sitshale kuzo, kubalulekile ukwenza ukuhlaziya okuphelele nokwenza iziqhathaniso ukuqoqa yonke imininingwane ebalulekile futhi wenze isinqumo esingcono. Manje njengoba sesikwazi ukubala isilinganiso sokuqina, sinosizo olulodwa oluncane lokwenza lo msebenzi.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe.

*

*

  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.