I-Solvency isetshenziswa njengesibonisi ngaphakathi kwezitatimende zezimali zebhizinisi. Kungaba kusuka enkampanini, umuntu osemthethweni noma umuntu wemvelo. Izama ukuchaza amandla ezomnotho umuntu okufanele abhekane nawo nezibopho zezomnotho. Ukuze wazi ukuthi unamuphi umthamo, ubheka ubudlelwano obunquma ukuthi unempahla engakanani maqondana nezikweletu. Lobu budlelwano buhilela ukwahlukanisa izimpahla eziphelele eziphathelene nempahla.
Akufanele kudidaniswe nesilinganiso sokuzimela kwezezimali noma ukuba nesikweletu. Solvency uphishekela ikhono lokubhekana nekusasa izinkokhelo ngenkathi isilinganiso sokuzimela kwezezimali silandela ikhono lenkampani noma lomuntu lokuboleka. Ngakolunye uhlangothi, ukukhokhelwa kwemali akusona isilinganiso esivela ndawana thile, kepha okudumile, ukuba nemali kuvame ukudideka nokuba yi-solvent. Ngakho-ke, i-solvency iyinkomba enhle yokuhlaziya inkampani ngokwezezimali noma ngezezimali. Ukusiqonda kahle, le ndatshana izogxila ekuxazululeni izinkinga futhi ichaze ukuthi singayibala kanjani nokuthi singayihumusha kanjani le nkomba.
Ibalwa kanjani i-solvency
Isibalo okufanele senziwe ukunquma izinga le-solvency lenkampani silula. Ngakolunye uhlangothi, kufanele uhlanganise zonke izimpahla, bese uhlukanisa lelo nani ngenani lazo zonke izikweletu. Ake sikubone kangcono ngesibonelo:
- Izimpahla: Ingqikithi yama-euro ayizi-350.000.
- Izikweletu: Ingqikithi yama-euro ayizi-200.000.
- Amafa / Izikweletu: I-1.75 ye izinga le-solvency.
Njengoba ukwazi ukubona, ukuthola le nkomba kuyinto elula, kepha kubalulekile ukunquma ukuthi yiliphi izinga le-solvency elanele. Noma ngabe kungenxa yezimali zakho, uma ungumnikazi wenkampani, noma ungumtshali-zimali onentshisekelo yokubeka ithemba lakho futhi ufuna ukuba nokuhluka okuthembekile nenhloso yokuhlaziywa.
Ungayichaza kanjani i-solvency yotshalo-mali
Siphila ezweni elincintisana kakhulu lapho kungekho muntu ofuna ukusala ngemuva. Kunezinkampani ezilawula ukukhiqiza inzuzo eyanele ukuze zingaboleki noma zenze lokho kancane. Kodwa-ke, icala lezinkampani eziningi licindezela ukwenza utshalomali olusha, imvamisa licela imalimboleko emisha, futhi kulapha lapho isilinganiso se-solvency singakhombisa ukuthi ungaboleka kuliphi izinga. Njengemininingwane, lolu lwazi lungahlala luhambisana nesilinganiso sokuzimela kwezezimali esike saxoxa ngaso phambilini.
Yimaphi amazinga afanelekile
Inkampani enesilinganiso esiphansi kune-1.75 esiyinikeze esibonelweni esedlule, ngokwesibonelo ukuba no-1.2, kungasho ukuthi izinga layo lokuxazulula izinkinga liphansi. Ngamanye amagama, ikhono labo lokuthola amakhredithi amasha, noma ukudala izingqalasizinda ezintsha, ukukhokha amaholo amaningi, njll., Kungancipha kakhulu. Singachaza futhi kwamukelwa kabanzi ukuthi izinga elanele le-solvency lingavela ku-1.5. Noma yini engaphansi kuka-1.5 ingaba isikweletu esibuthakathaka, futhi kungaba ngaphansi.
Kodwa-ke, akuzona zonke izimboni ezihamba ngendlela efanayo, futhi kukhona lapho amazinga esikweletu ejwayele ukuba phansi kanti amanye ephakeme (njengezwe lokwakha, ngokwesibonelo).
Ungawucabanga kanjani umlando weleveli yenkampani (solvency)
Isilinganiso se-solvency esihambisana nezilinganiso zeminyaka edlule singasebenza njengesiqondiso sokutshala imali. Kwanele isetshenziswe ekuhlaziyweni okuyisisekelo, futhi izinga le-solvency elinqunywe futhi lagcinwa ngokuhamba kwesikhathi lingahunyushwa ngezindlela ezahlukahlukene.
Uma kwenzeka ukuthi inkampani iqhubeke nokukhula, okungukuthi, iNet Equity yayo inyuka kancane ngokuhamba kwesikhathi futhi ibuye igcine izinga layo lokuxazulula izinkinga luphawu oluhle. Kungenzeka, phakathi kwezinye izinto, ukuthi iqembu labaphathi lichaze isu elihle futhi ligcine ibhalansi ezitatimendeni zalo zezezimali ezizinzile kakhulu eminyakeni edlule.
Uma, ngokuphambene nalokho, i-solvency yakho igcinwa, noma kunjalo, i-Net Worth yakho iyancipha, kungenzeka ukuthi amasheya akho nawo azokwehla. Uma kungenjalo, futhi amasheya abo abambelele, abatshalizimali kungenzeka ukuthi abakuqaphelanga ukulahleka kwenani noma kunezinye izinhlelo zamasu. Leli phuzu kumele liphenywe lodwa, inkampani ngayinye umhlaba (njengoba ngivame ukusho).
Ngakolunye uhlangothi, akusho lokho ukulahleka okuqhubekayo kwezinga le-solvency enkampanini akusona isibonakaliso esihle, ikakhulukazi uma igcinwa, noma ukuthi ukwanda okungapheli kuyinto enhle. Kufanele uqiniseke ukuthi inkampani iyazisebenzisa lezi zimpahla, okungukuthi, ifuna ukuqhubeka nokukhula. Isimo esikahle (noma okungenani esisodwa sazo) kungaba ukubona inkampani enamazinga akhulayo we-solvency, angagcina ehle lapho kunwetshwa, bese eqhubeka nokuthola amazinga we-solvency, njalonjalo.
Ukuqothula
Le ndawo eyixhaphozi kulapho kungekho muntu ongafuna ukufika khona, okwaziwa nangokuthi ukuqothuka noma ukuqothuka. Ukuhluleka ukukhokha izikweletu kuphambene nokuxazulula imali, ukungakwazi ukuhlangabezana nezinkokhelo zemali ekweletwayo. khona izinhlobo ezimbili zokungakwazi ukukhokhela izikweledu, ukheshi / ukuhamba kwemali kanye nebhalansi sheet.
Ukuphelelwa yimali kokugeleza kwemali noma imali kulapho inkampani noma umuntu engenamali ukuze abhekane nezinkokhelo zesikhathi esizayo, kodwa uma unempahla eyanele. Lesi simo sivame ukuxazululwa ngokuxoxisana nombolekisi ngezindlela zokukhokha. Imvamisa okweletwayo unezinto eziyigugu, njengempahla, imishini, imoto, njll, futhi okweletwayo angalinda ukuthola izinkokhelo. Lokhu kubambezeleka kuvame ukuhlawuliswa ngandlela thile, ngakho-ke kungabandakanya inhlawulo noma okunye, ngaphandle kokukhokha kokugcina kwesikweletu.
Ibhalansi insolvency kwenzeka lapho konke izimpahla zenkampani azanele ukubhekana nokukhokhwa kokugcina kwesikweletu. Ngokuvamile, lesi simo sicatshangelwa ngaphambi kokuba inkokhelo elandelayo yenzeke, lapho sekuvele kucatshangelwe ukuthi ngeke kube khona indlela yokukhokha izinkokhelo ezilandelayo noma ukugcina noma yiluphi uhlobo lomsebenzi. Ngaphambi kokuthi lesi simo senzeke, imvamisa kunqunywa ukugcina umsebenzi (ngezinzuzo oziletha). Ekugcineni, bobabili ababolekisi nabakweletayo bangaxoxisana ngalesi simo futhi bamukele ukulahlekelwa okuncane, noma baxoxisane ngesikweletu esisha noma indlela yokukhokha ebavumela ukuthi baqhubeke nomsebenzi.