Ingaba lakho ishishini lingakwazi ukudibana neenkokhelo zenyanga ezilungisiweyo
Intlawulo echanekileyo yindleko ehlala ihleliweyo, njenge-inshurensi, umvuzo, iimali-mboleko zemali kunye neentlawulo zempahla. Ukuba awukwazi ukuhlangabezana nale ndleko, akunakuhlala useshishini ixesha elide. Indlela yokulinganisa ikhono lenkampani yakho ukuhlangabezana nale mirhumo echanekileyo yinkcitho ehlawulweyo yokukhawuleza (FCCR), i-expanded but more conservative version yexesha elifunyenwe ngumdla.
Umlinganiselo wokukhawuleza wokuhlawula umrhumo, okanye umlinganiselo we-solvency, konke malunga nokukwazi kwenkampani yakho ukuhlawula zonke iimbopheleleko zokuhlawula imali okanye iindleko ngenzuzo engenayo ngaphambi kwentlalo kunye nentlawulo yengeniso. Umlinganiselo wokukhawuleza wokuhlawula umrhumo ulungelelaniswa ukusetyenziswa kunye nokuba kukho naziphi iindleko ezizinzileyo njengoko iindleko ezinjengeenkokhelo zokuqeshisa, iintlawulo ze-inshorensi kunye neentlawulo zentengiso ezikhethiweyo zingakhiwa ekubaleni.
Umlinganiselo wokukhawuleza wokuhlawula ixabiso elibalulekileyo kubaluleke kakhulu kwiifemu eziqashisa kakhulu izixhobo , umzekelo.
Ababolekisi bajonge umlinganiselo wokukhawuleza wokuhlawula ixabiso lokuhlawula imali ekuphumeni kwenkampani inkampani yokuhlawula ityala. Ukuba inani liphantsi, ababolekisi bayibona njengeendaba ezimbi kwinkampani ekhangele ukuthatha ityala elongezelelweyo ngenxa yokuba nayiphi na inkunkuma ekufumaneni iyakunzima. Ukuba umlinganiselo ophakamileyo ubonisa ukuba inkampani isebenza kakuhle kwaye inenzuzo kwaye ingafuna ukuboleka ukukhula kunokuba ihlawule ixesha elibi.
Ukubalwa
FCCR = Imali phambi kweNzala kunye neNtlawulo (i-EBIT) + Ukuqeshiswa kwemali Iintlawulo / iindleko zenzalo + Iintlawulo zokuqeshisa
I-EBIT, Imirhumo, kunye neNzala yeMali ithathwa kwintetho yengeniso yenkampani . Iintlawulo zengqesho zithathwa kwi- balance sheet kwaye zivame ukuboniswa njengombhalo wamagama kwi-balance sheet.
Isiphumo somyinge wokukhawuleza wenkokhelo yenkcitho yimizuzu yezihlandlo inkampani inokukufaka iintlawulo zayo zonyaka. Ephakamileyo kwinani, bhetele imeko yetyala yenkampani, efana nezihlandlo ezifunyenwe ngumvuzo.
Njengazo zonke izivumelwano, unokwenza kuphela isigqibo ukuba umphumo wale mali ulungile okanye ungalunganga ukuba usebenzisa idatha yembali evela kwinkampani okanye ukuba usebenzisa idatha efana neyo shishino. I-Anaysis iya kunceda ibhishini ukuba yenze uhlahlo lwabiwo-mali oluqikelelweyo kwaye uqikelele ukuhamba kwemali ngokuchanekileyo.
Umzekelo
Masithi inkampani ye-ABC ibonisa i-EIT ye-150,000. Isamba sentlawulo yaso phambi kwentlawulo, ngokuyininzi kwiintlawulo zokuqeshisa, i-$ 100,000. Kulo ke songeza iindleko zenzalo zama-25,000 zamaRandi. Umyinge ojongene nomyinge we-coverage ubalwa njenge-$ 150,000 kunye ne $ 100,000, okanye i-$ 250,000, ihlukaniswe ngama-25,000 kwi-$ 25,000 kunye ne-$ 100,000 okanye i-$ 125,000. Umphumo obangelwayo ngowesi-2: 1, oko kuthetha ukuba inzuzo yenkampani iphindwe kabini nje ngeendleko zayo.
Iirati eziphezulu ezinokuthi zihlawulwe zibonisa ukuba ishishini liphilile kwaye utyalo-mali olongezelelweyo okanye iimali-mboleko zingekho mngcipheko. Amanani amaninzi abonisa ubuthakathaka kwaye ingeniso engenako ukuhlangabezana neendleko zenyanga zoshishino. Kucacile ukuba, umlinganiselo ophezulu, ungcono.