Amatyala kwiRhafu yeAset - Ukubaluleka kwayo kunye nokuBalwa

Umthamo kwi-asset ratio ipesenti yeempahla ezipheleleyo ezihlawulwe ngemali eboleweyo-ababolekisi, amatyala kunye namatyala. Abanye bayibona njengendlela yokubonisa umlinganiselo wemali; ezinye ziyichaza njengomlinganiselo we-solvency, abanye babona kubaluleke kakhulu kwimpilo yezemali okanye uxinzelelo lwezezimali. Umlinganiselo uboniswa njengepesenti.

Ukuba umzekelo, ityala lenkampani yakho yokulinganisela i-asethi lingama-56%, ithetha uhlobo oluthile lwetyala olunikezele malunga no-56% weedola zonke zeefayili zenkampani yakho.

Isilinganisi esikhulu semali kwixabiso (ngaphezulu kwe-1%) kunokuthetha ukuba inkampani yakho inokuba neengxaki zokuboleka imali engaphezulu, okanye inokuboleka imali ngenani lentengo ephezulu kunokuba umlinganiselo ungaphantsi. Iinkampani eziphakamileyo eziphakamileyo zingaba zibeka esichengeni sokungabikho okanye ukuchithwa.

Inkokhelo yomlinganiselo wee- asethi yipesenti yebhanki yokuhlawula imali i-firm use usetyenziswe ngokuthelekiswa nepesenti yexabiso lempahla yenkampani . Kukukunceda ubone ukuba zininzi zeempahla zakho ezixhaswa ngemali usebenzisa ukuxhaswa kwetyala .

3 Amanyathelo okuBalisa amatyala kwiRhafu yeAset

Nazi iindlela ezi-3 zokubala ityala lexabiso lomhlaba. Lonke ulwazi luvela kwiphepha le-balance sheet yenkampani.

1. Ukubala isixa-mali somlinganiselo wee- asset, ubheka kwi -balance sheet ye-firm ; ngokukodwa, icala elijongene naloo mali. Hlanganisa ndawonye amatyala okwangoku kunye netyala lexesha elide .
2. Khangela i- aseset side ye-balance sheet. Hlanganisa ndawonye ii-asethi zangoku kunye nexabiso elimisiweyo.

1. Hlukanisa umphumo ukusuka kwiNyathelo 1 (amatyala amaninzi okanye amatyala) ngenxa yesiphumo sesi-2 (ixabiso lilonke). Uya kufumana ipesenteji. Ngokomzekelo, ukuba ityala lakho lilonke li-$ 100 kwaye ixabiso lakho lilonke liyi-$ 200, ngoko umlinganiselo wakho wexabiso lempahla ngu-50%.

Kuthetha ukuba i-50% yenkampani yakho ixhaswa ngemali yenkxaso- mali kwaye i-50% yempahla yakho yenkampani ixhaswa ngabaxhasi-mali okanye ngokuxhasa ngemali.

Ukuze oku kuthetha ukuba nantoni na kuwe, kufuneka uqhathanise le miphumo kunye neminye yedatha yedatha yakho (ukuhlalutya kwimiba) kunye nomlinganiselo wexabiso kwiimpahla zenye iifemu kwishishini lakho. Ukuba inani lakho leetyala liphezulu kakhulu, ngoko kufuneka ukhangele ingqalelo.

Ukuqwalasela

Ngokuqinisekileyo, iinkampani ezinamatyala aphezulu ekuhlaleni amaxabiso angasengozini, ngokukodwa kwintengiso yemali. Ababolekisi bangabandakanyeka ukuba inkampani ithwala ipesenti enkulu yeetyala. Basenokufuna ukuba inkampani ihlawule enye yayo ngaphambi kokuba ikhredithi enwetshiwe. Isixa-mali sobulungisa sisoloko sisetyenziselwa endaweni yeetyala. Amatyala kumlinganiselo wee-asethi, obalwa njengamatyala amaninzi ahlulwe ngamaxabiso ewonke, anika ingqiqo efanayo.