Funda malunga ne-Acid Test Ratio yabathengisi

Ngaba impilo yakho iphilile?

Esinye seziganeko zebhanki ziqwalasela xa kuhlolwa isicelo semali-mboleko encinci yemveliso okanye umgca wekhredithi ngumlinganiselo we-acid test. Lo mlinganiso wendlela ibhizinisi lakho lingakwazi ngayo ukuhlangabezana neembopheleleko zexesha elifutshane ngaphandle kokuthengisa nayiphi na impahla. Ngamanye amazwi, indlela enempilo ngayo ibhizinisi lakho lokuthengisa xa kuthengiswa ngokukhawuleza? Oku kungathi ngathi ngumzekelo ogqithiseleyo, kodwa kuthekani ukuba ukulungiswa kwezitalato ezinkulu kunciphisa ukufikelela kumashishini akho kwiinyanga ezimbalwa?

Kuthekani ukuba ivenkile yakho ishaywa ngesiphango esikhulu kwaye kufuneka uvale ukulungiswa kweentsuku ezimbalwa?

Olu vavanyo luyaziwa ngokuba luphawu olukhawulezayo okanye umlinganiselo wamanzi, kodwa ezi ziibhalisi ezahlukeneyo ngokulinganisa okufanayo ngokusetyenziso lweli shishini. Ukubala kubonisa indlela inkampani inokuthi ihlawulwe ngayo lula kwaye inceda amaziko ezezimali anqume indlela i-creditworthy company ngayo ngayo. Kulula ukuhlawula, umngcipheko omncinci ibhanki okanye isikhungo sezimali sithatha xa kukunika imali mboleko. Igama elithi "asidi" livela kwisenzo sokusebenzisa i-asidi ukuvavanya izitye ezixabisekileyo. Abavukuzi basebenzisa i-asidi kwigolide ukuze babone ukuba kuyinyani. Ukuba bekuyigolide echanileyo, yayiza kumela i-asidi; ukuba kwakungenjalo, bekuya kuba luhlaza.

Ukubalwa okulula

Bala ukulinganisa kwakho kunye nale fomyula: iiAfa eziTywala ÷ Iimali ezikhoyo zangoku

Ngoko ke, ukuba unayo imali engama-20,000 ebhankini kunye ne-$ 10,000 kwiimali ezifunyenweyo, i-asethi yakho yexabiso i-$ 30,000.

(Impahla okanye izinto eziphathekayo ezifana neetafile kunye nezihlalo azifakiwe kulo mlinganiso.) Ukuba amatyala akho akhoyo (ama-debt) angama-20,000 ayi-20,000, ngoko u-1.5: 1.

Umlinganiselo ophezulu kune-1: 1 ulungile kwaye ubonisa ukuba ishishini linokuhlawula izibophelelo zalo zangoku ngaphandle kokuxhomekeka kwintengiso.

Amaziko emali kunye nabatyalomali bafuna ukuba lo mgangatho uphakamileyo njengokuba unokunciphisa ingozi yokutshala imali kuwe kunye nesitolo sakho sokuthengisa. Unokuba nelungu losapho otyalombileyo kwishishini ofuna ukwazi ukuba utyalo-mali lwakhe lwenze njani. Kwimeko ezininzi, uya kucela inzuzo yakho kunye nelahleko kwinkcazo (P & L) kunye nephepha lokulinganisela . Nangona kunjalo, ezo ngxelo ziyi-snapshot ngexesha kwaye azibonisi kakuhle indlela onokuphila ngayo ixesha elibi.

Sebenzisa ulwazi

Amanye amashishini athengisa ukuqhuba olu vavanyo ukuze amise amanqaku. Ishishini kwisimo esihluphekileyo okanye esingasimpilo kunye nomlinganiselo wokuhlolwa kwe-asidi kunokudala umcimbi omkhulu wokuthengisa ukuvelisa ukuhamba kwemali kunye namanqanaba okubala asezantsi.

Ukuhamba kwemali kubalulekile ekusebenzeni ishishini lakho imihla ngemihla, kodwa umlinganiselo wokuhlolwa kwe-acid uza kunceda ukuhlalutya impilo yexesha elide okanye ukuzinza. Abathengisi abaninzi basebenzisana nomlinganiselo ongaphantsi kwe-1: 1 kunye nomzabalazo wokufumana imali xa beyidinga. Ngaphambi kokuya kwibhankini yakho, philela lo vavanyo. Ukuba ubelana nabo ngolwazi xa usebenzisa isicelo, unciphisa uxhalabo lwabo malunga nomngcipheko ngenkqu kubonisa nokuba unobungcali bezoshishino. Kwaye yiyo yonke ibhanki okanye umnini-zimali ofuna i-business ye-business.