Ziziphi izixazululo zeSolvency and What They Measure?

Ukulinganiswa kweSolvency kukuxelela okuninzi ngengozi yotyalo-mali

Ukulinganiswa kweSolvency kulinganisa ikhono lenkampani ukuhlawula ityala lexesha elide kunye nomdla kuloo matyala. Ukulinganiswa kweSolvency, njengengxenye yohlalutyo lwengxelo yemali , ncedisa umnini-shishini ukuba anqume amathuba okuphila kwenkxaso ende. Iimpawu zesisombululo maxa wambi zidideka ngokulingana . Bobabili bavavanya impilo yemali yenkampani.

Kodwa i-solvency ratios ihlola inkcazo yempilo yexesha elide elivavanya ityala lexesha elide kunye nomdla kuloo matyala; ukulinganiswa kwamanqaku okuhlalutya ubuchule bexesha elifutshane leenkampani ukuhlangabezana neembopheleleko zangoku kwaye ukuguqula ixabiso libe yimali ngokukhawuleza.

Ziyintoni ezifanelekileyo zokulungelelanisa?

Ukulinganiswa kweSolvency kunomdla kubabambisi bexesha elide kunye nabanini-nxaxheba. La maqela anomdla kwixesha elide lempilo kunye nokuqhubeka kweefama zoshishino. Ngamanye amagama, i-solvency ratios kufuneka zibonakalise ukuba iifemu zoshishino zinokuncedisa amatyala abo okanye zihlawule umrhumo kwi-matyala kunye nokuhlawula inqununu xa ityala likhula.

Ukulinganiswa kweSolvency kukunceda umnini-shishini ukuba agcine iliso kwiintlupheko ezinokuthi zenzeke kwi- bankruptcy . Njengoko umlinganiselo weMatyala / i-Asset ukwandisa, amathuba okubhankqalaza ayenyuka njengoko iqumrhu lixhaswa ngemali ngokubanzi ngokuchasene nemithombo yokulingana .

Solvency Ratios

Kukho amanani amaninzi ahlukeneyo ekunqumeni i-Solvency ratios, ezinye zazo ezobugcisa kunye nokusetyenziswa ngokubanzi kubaphicothi-zincwadi okanye abahlalutyi beenkampani, abanye bavavanywa ngokulula kwaye banomdla kubaxhasi bezakhono, abanini-shishini kunye nabanini-nxaxheba. Ezi zimbalwa zezi ziphumo zentlupheko yoluhlu:

1. I- Intlawulo yeTyala / i-Atheji yeeNkcitho zeeNkcitho Iimilinganiselo zokwenza ukuba ubuninzi beziko le-asethi lenkampani lixhaswa ngebhenti. Ukuba inani letyala lenkampani liyi -5, oko kuthetha ukuba nganye idola yetyala kukho iirali ezimbini zeefaji, okanye, ngokubeka enye indlela, ukuba ukulingana kwenkampani kubalwe kabini ityala layo.
2. I- Equity Ratio ichaza ukuba zininzi zeenkampani eziphantsi kootyali-mali. Ubungakanani beZemali kubalwa ngokuhlula ukulingana okwenziwe ngamaxabiso ewonke. Iphendula impendulo ebalulekileyo, kodwa ibaluleke kakhulu: ukuba inkampani iya kuphuma kwishishini emva kokuba ihlawule zonke iimfanelo ukuba ziza kushiywa buninzi kubalimi-mali bayo.

1. Inzala ezuzwayo inyathelo lokukwazi ukuhlangabezana nekhono layo lexesha elide. Kubalwa ngokwahlula imali engenayo ngaphambi kokuba inzala kunye nentlawulo yengeniso (ngokuqhelekileyo i-EBIT).

Iyiphi isilinganiso esilungileyo solvency?

Akukho nto ifanayo-ifanki-ifanele-yonke imilinganiselo emihle yokusombulula. Ukuze uhlalutye isilinganisi sokuncedisa i-solvency, kufuneka uqhathanise kunye nomyinge weshishini. Enye indlela yokukhawuleza ukufumana isingatha kwiintsingiselo zeenkcukacha ze-Solvency ratios ukuziqhathanisa kunye nezilinganiso ezifanayo kubambalwa abadlali ababalaseleyo kwicandelo lakho lezezimali.

Ukuncitshiswa kwamancinci ngokukodwa ukusuka kwiimpawu zabadlali ababalaseleyo (okuya kwahluka kwahluka komnye ukuya kwesinye) akunakwenzeka. Ukuba enye yeeratiyo ibonisa i-solvency ephantsi, yinkinga. Ukuba eziliqela kwezi zilungelelwano zonke zibhekiselele kwi-solvency ephantsi, leyo yinkinga yokumisela.

Ukuba umtyalo-mali, umzekelo, ezi zibonakaliso ezinzulu zeengxaki ezizayo; inkampani enjalo ayinakwenzeka ukuba ihambe kakuhle kwiimeko zoxinzelelo kwezoqoqosho.