IiRatios ezine zezeMali ezilingana noKhuseleko lweShishini lokuQinisekisa
Ukuba uqoqosho luyehla, abantu abambalwa bathenga iimoto ezintsha kunye nemali engenayo yabenzi bezithuthi zeemoto kunye nokunye. Abenzi bemoto abanomngcipheko woshishino olungaphezulu kuneenkampani ezisetyenziswayo.
Enye indlela yokucinga ngomngcipheko wezoshishino ngumfuno wemveliso yenkampani. Ukusebenzisa umzekelo womvelisi weemoto kwakhona, ekuhlahleni kwezoqoqosho, abathengi abanayo imfuneko enkulu yeemveliso zenkampani. Xa imfuno yemveliso iphantsi, leyo ibangela ukuba ingeniso iyancipha, kwaye ingozi yoshishino yanda.
Umngcipheko wezoshishino unamathele kwiindleko ezichanekileyo zenkampani. Iindleko ezihleliweyo kufuneka zihlawulwe rhoqo, kungakhathaliseki ukuba ingeniso yenkampani. Okuphakamileyo kwinqanaba leendleko ezichanekileyo zenkampani, phezulu kwengozi yoshishino.
Kukho ukulinganiswa kwemali emine ukuba umnini-shishini okanye umphathi wezemali angasebenzisa ukubala ubungozi boshishino obujongene nenkampani:
Bala Umngcipheko Wezoshishino Usebenzisa Ezi Ratios ezine zeMali
Umrhumo womda wegalelo ngumda wegalelo njengepesenti yentengiso epheleleyo. Umrhumo wamanqaku ubalwa njengemali yokuthengisa iindleko eziguquguqukayo. Umrhumo womda wegalelo ubalwa njenge: Igalelo leMargin / Intengiso = 1 - iindleko eziguquguqukayo / ukuthengisa . Ukuba igalelo lempembelelo lenkampani lilinganiselwa kuma-20%, ukunyuswa kwamaxabiso angama-$ 50,000 kuya kubangela ukunyuka kwe-$ 10,000 kwenzeniso.
Unokubona uvelwano lwenzuzo okanye inzuzo engenayo kwiindleko ezizinzileyo kulo mzekelo.
2. Ukuphumelela kokuSebenzayo kweMveliso (OLE) Ukulinganiswa
Usebenzisa umlinganiselo wempembelelo yokusebenza yokulinganisela ukulinganisela ukuba ingeniso engenayo iya kutshintshwa inike iinguqu yepesenti kwimali yokuthengisa. Iimpahla ezingagqityiweyo iqumrhu elinayo, ingakumbi utshintsho luya kubakho. Umlinganiselo wendlela yokusebenza komyinge wempembelelo yile: Igalelo leMargin Ukulinganisa / iMargin yokuSebenza> Ukuba i-OLE ilingana no-1, oko kuthetha ukuba iqumrhu alikho iindleko ezizinzileyo . Zonke iindleko ziyahluka kwaye uguqulelo lwe-20% kwixabiso lokuthengisa lithetha ukutshintsha kwe-20% kwingeniso. Xa uzisa iindleko ezinqamlekileyo kumfanekiso kwaye i-OLE iphakama ngaphezu kwe-1, ngoko iqumrhu liqhuba umgangatho.
Ngomfutshane, umlinganiselo wokulinganiswa kwemali ulinganisa inani lemali egcinwe yinkampani yezoshishino abayisebenzisayo ukuxhasa ngemisebenzi yabo. Amatyala adala umngcipheko wezoshishino olongezelelweyo kwi-firm if iholo liyahluka ngenxa yokuba inkokhelo iya kuhanjiswa. Ngamanye amagama, ukuba iqumrhu lisebenzisa imali yokuxhaswa kwetyala , kufuneka lihlawule inzala kwityala kungakhathaliseki ukuba ingeniso yabo. Isilinganiselo semilinganiselo yezemali esilinganisweni esenza umbane kwiqumrhu loshishino. Singaxela kwakhona ukuba lilinganisa umngcipheko wemali yenkampani yeshishini.
Imfomula ngu: Ukunyuka kwemali = Ingeniso yokusebenza / Imali engenayo. Ukuba umlinganiselo ngowama-1.00, ke iqela lingenayo ityala.
4. Ulungelelwaniso lokuHlanganisa
Nangona iifemu zoshishino zidla ngokubala ukulinganisa nokusebenza kwemali ngokwahlukileyo, zinako kwaye zifanele zibale iziphumo zombini kwi-firm. Bangasebenzisa umlinganiselo wokulinganisa ukukwenza oku. Ubeka nje umlinganiselo wendlela yokusebenza, obeka umngcipheko wezoshishino, kunye nomlinganiselo wokulinganiswa kwemali, obeka umngcipheko wezezimali, ukufumana umlinganiselo wokudibanisa, owenza amanyathelo engozi. Imfomula yile: Ukulinganisa Umyinge Wokulinganisela = Ukulinganiswa kokuSebenziselwa kweMilinganiselo ye-X. Ephakamileyo i-CLR, i-riskier iqumrhu leshishini ukususela kwimbini yezoshishino kunye nombono weengozi zemali. Uyabona ngokujonga iiratio zomntu onjani uhlobo lomngcipheko omkhulu kwenkampani.