Injani solvency yokuhlaziya inkampani

Solvency lenkampani - yikhono layo ukuhlangabezana nezibopho zakhe. Ngenxa yokuthi ebhizinisini ngalinye kuzuzisa ukuba bafeze imisebenzi yabo futhi zibe nethonya elihle, kufanele ngaso sonke isikhathi hlola amakhono abo. Kungenxa yalesi sizathu ukuthi ukuhlaziya solvency ibhizinisi liyisici esiyinhloko sokuhlola ukusebenza kwenhlangano. Ngiphakathi firm Consulting, akukho isilinganiso ejensi, akukho emzimbeni wokuhlola ungakhohlwa ngalokhu sibalo, ngakho-ke, inhlangano ngayinye ukuze ugweme ucabanga kanye nokugcina izikhundla zabo ukuncintisana ezingeni eliphezulu, kufanele ngokuzimela sihlaziye solvency futhi zezimali ibhizinisi.

Ziningi izindlela ukuze afeze umgomo wokuhlaziya we solvency ibhizinisi. Zombili lezi zinhlangano Western lasezindlini ziye zasungula izimiso zabo futhi izindlela zokwenza lokho kuhlola, futhi sezisungule amagugu normative, ngawo ungakwazi ukulawula futhi ukulawula imisebenzi yenhlangano.

Ngoba empeleni isiRashiya, Kungcono kakhulu ukuthi ngisebenzise izinkomba zendawo, ngakho kufanele aye indlela yokuqhuba solvency ukuhlaziywa. Ngenxa yale njongo kukhona ifomula evumela ukucacisa ukulahlekelwa noma ukubuyisela solvency lenkampani esikhathini esilandelayo.

Ukuze abale kule formula kuyadingeka ukuze ukuqhuba izibalo okuza yamanje izikhathi eziningi ukuthi kukhona samanje izimpahla isilinganiso (TA) ukuze izikweletu zamanje (TP). amafa yamanje kukhona izimpahla zamanje, okuyinto kungabonwa izinto balance sheet, ngaphandle imali evela imisebenzi esizayo. Ukuze nezikweletu zamanje zibandakanya yesikhathi esifushane nezikweletu, okungukuthi ukuzibophezela amasevisi intela, kwabasebenzi, nemizana nabaphakeli, njll izikweletu yamanje ehilela nokukhokhwa izibopho phakathi kwesikhathi uyeza, ezifana ngenyanga. Zezimali inkampani ebonisa ukuthi nokuthi uyakwazi inkampani ngokushesha ngangokunokwenzeka ukuze kuvalwe yesikhathi esifushane izikweletu ngenxa izimpahla zayo ngaphandle izisetshenziswa ezingeziwe. Yamanje ejwayelekile ukubaluleka okuza ibhekwa njengezwekazi 2.0.

Kuhlola solvency ibhizinisi inganikelwa by kuhlaziywa isilinganiso solvency kusukela fomula elandelayo:

CPL = (Rm (ekuqaleni) + Y (noma B) / 12 * (Kr (con) -.... Km (Shona)) ..). / 2,

lapho CPL. - solvency isilinganiso;

(. Cela) Rm, Kr (con.) - okuza yamanje ibalwa ngokulandelana ekuqaleni kanye ekupheleni kwesikhathi ..;

Y = 3 - isetshenziswa uma kubalwa, uzolahlekelwa uma solvency yenkampani nezinyanga ezintathu ezilandelayo;

B = 6 - isetshenziswa uma kubalwa, kungakhathaliseki inkampani uyobuyisela solvency e kulezi zinyanga eziyisithupha ezizayo. Kulokhu ekulahlekelweni solvency sisetshenziswa esimweni lapho zezimali lwamanje ephakeme noma ilingane ezimbili. Kungenjalo, kubalwa yokutakula solvency.

Regulatory solvency isilinganiso value ubhekwa 1 futhi konke idlula kwaleli nani. Kulokhu, kuphothulwe ngokuthi inkampani ayizange ulahlekelwe pay, noma ulibuyise esingashintshi kuze kufinyelelwe esikhathini okwalandela. Lapho isilinganiso solvency ngezansi eyodwa, nawu umbuzo lokho inkampani umi endleleni ucabanga nokuhlela kabusha kuyadingeka ukusebenzisa inqubo sokulungisa isimo. Lokhu uqeda ukuhlaziya solvency senkampani.

Ngakho, kusobala ukuthi nokuhlolwa solvency lenkampani - ke umcimbi wemfanelo kakhulu nobalulekile, okumele kwenziwe njalo. I kaningi ukuthi aqaphe isimo kule nhlangano, ngokushesha ungakwazi ukuhlonza izinkinga futhi ukudlala off isimo esibucayi ngendlela engcono.