I-coefficient yokuhlanganisa

I-coefficient of coverage yindlela yokulinganisa i-solvency yenkampani ukubuyisela inzalo eyenele kwimali mboleko. Kubalwa ngalendlela elandelayo: inzuzo yenkampani ihlukaniswe inani lemali ekhokhwayo (inzalo emalimboleko kanye nezintela).

Inani eliphansi ngokweqile lisho ukuthi inkampani ayikwazi ukukhokhela izinkokhelo zenzalo esikhathini esifushane, isenayo imali enkulu ekugcineni imisebenzi yansuku zonke noma izindleko ezingalindelekile.

Ukulingana kwe-coefficient kuyindlela enhle kakhulu kubatshalizimali ukucacisa ukuzinza kwezimali kwamabhizinisi. Ukukhokha inzalo kumalimboleko iningi labo kuyinkomba ebaluleke kakhulu yentuthuko ephumelelayo. Ukuhluleka ukukhokha inzalo kunoma yikuphi ukuboleka imali kuyisibonakaliso sobuthakathaka, umthwalo wesikweletu, futhi kungase kube yi-harbinger yokuqedwa kwebhizinisi.

Ngezinye izikhathi isici sokuhlanganisa Ukutshalwa kwezimali , ngokusekelwe kwesilinganiso senzuzo esitholiwe, yenzelwe ukukhombisa isikhathi esingakanani inkampani okuzodinga ukukhokha inzalo. Lokhu kungaba yisibonakaliso esihle kakhulu sokuzinza kwezezimali okwesikhashana.

Lapho kubalwa inzalo eyitholwa yinkampani ethile, inzuzo ngaphambi kwentela nentela kumele ifingqwe. Inombolo elandelwayo ke ihlukaniswe yi-total, ekhokhwayo, inzalo (kuzo zonke izikweletu). Zombili izinombolo zithathwa ngokunemba ngokuhambisana nesikhathi esinqunyiwe sokubala. Isibonelo, ibhizinisi lihlanganisa inzuzo esikhathini esithile sama-ruble angu-50,000. Lona inani elithola ngaphambi kwentela futhi inzalo emalimboleko ikhokhwe. Ngesikhathi esifanayo sesikhathi, inzalo edingekayo yi-ruble angu-20 000. Kudingekile ukwahlukanisa ama-50 000 (ruble) ama-20 000 (ruble). I-coefficient yokuhlanganisa Kuzoba yi-2.5, okusho ukuthi okulandelayo: ibhizinisi liyakwazi ukukhokha izibopho ezithwele inzalo izikhathi ezimbili ngaphambi kokuba inhloko iphele.

Inani eliphansi, sengathi ngabe lihlehliselwe ezingeni eliphansi le-1.0, lingase libe inkinga, kodwa isikhathi sibe yinzuzo yenkampani (ngaphambi kokuba inzalo nentela ikhokhwe) yanele ukukhokha izindleko zenzalo. Ngaphansi kwe-1.0 ibonisa ukuthi ibhizinisi libhekene nobunzima, okwenza imali edingekayo ukukhokha inzalo kumalimboleko. Ngenkathi kunemihlahlandlela ethile, ayikho inombolo ephelele noma yereferensi ezosebenza njengomhlahlandlela we-KP eyamukelekayo.

Emabhizinisini anezimboni ezingenakulinganiswa, isilinganiso esiphezulu ngokuvamile sidingeka ukuba sikwazi ukukhulisa ukulawula okungaphezulu kwamandla, kanti kuyizimboni eziqhubekayo kungase kungabi phezulu. Akusihle uma inkampani inezinye izikhathi inesithakazelo esikhulu kakhulu esitholiwe. Lokhu kusho ukuthi uchithe imali enkulu kakhulu, ukhokha imali yezikweleti esikhundleni sokutshala imali ekuthuthukiseni nasekukhuleni kwebhizinisi.

Ukuze unqume ukuthi inkampani inezidingo zamanzi okwanele (ngaphandle kokusungula okuhamba kancane) ekukhokheleni izikweletu zesikhashana (izindleko zamanje), i-coefficient eyinkimbinkimbi (noma ephakathi) isetshenzisiwe Ukugqoka . Amafa we-liquid afaka phakathi okusungulwa kwezinto ezisetshenziselwa ukuguqulwa ngokushesha zibe yikheshi, eduze nenani lezincwadi. Amabhizinisi ane -liquidity ratio engaphansi kwe-1.0 ayesimweni sokukhokha izikweletu zamanje.

Kubanikazi bezibopho, isilinganiso sokubheka cishe sisebenza njengethuluzi lokuphepha. Unikeza ukuqonda ukuthi inzuzo yenkampani ingawa ngaphi ngaphambi kokuba ingahlangabezane nezibopho zayo zokukhokha. Kubanikazi bamasheya, kubalulekile, ngoba kubonisa isithombe esicacile sempilo yezimali yesikhathi esifushane yebhizinisi.