Solvency lenkampani: izici solvency isilinganiso

Solvency lenkampani - yikhono a subject ethize ngesikhathi futhi ngokugcwele imali ebolekiwe. Kuyinto isici esiyinhloko sesimweni esivamile oqine kwezomnotho kwanoma iyiphi inhlangano.

Solvency lenkampani izokuba lezi zinto ezilandelayo.

Okokuqala, inkampani amafa (ie impahla kanye cash), okuyinto kwanele ukuba isifundazwe sikhokhele zonke izibopho zakho inkampani ekhona.

Okwesibili, degree of impahla ibe yimali amafa atholakale inkampani, kumele kwanele ukuba isifundazwe eyisebenzisa uma kunesidingo, ukuhumushela olimini lwesi imali isamba ukuthi kwanele buyiselo ukuzibophezela.

Ukuze izindlela ekuphathweni Kunconywa ukuhlaziywa kwezezimali, enye yazo Coefficient ka solvency. Ake sixoxe ngokuningiliziwe.

solvency Okokuqala isilinganiso kufanele okuhloswe ngazo ekutadisheni ukutholakala zokuqhuba umsebenzi wenkampani siqu. Uma ibhizinisi alikho ke inhlangano ngeke bakwazi ukukhokhela izibopho zayo. inkampani njalo is kuphela kuphela esifushane, sithembele izikweletu ekhona. Kodwa ekugcineni, ke kungenzeka kulindeleke ezikweletini.

Okwesibili, baqaphe solvency isilinganiso - ngezinga elithile ukutholakala izimali siqu, incazelo ka okuyinto evunywe Office Federal for ezikweletini. Kulinganiselwa ngokuvumelana ifomula ekhethekile. Kulaba nokulingana Inkomba emalini ukubaluleka kwempahla non-zamanje. Inombolo okuholela lihlukaniswe by inani izimpahla zamanje. Lokhu value (efanelekayo) kumele kungabi ngaphansi kuka 0.1.

Kodwa khona omuhle amafa yenkampani net musa njalo wathi wayengakaze solvency ezinhle. Iqiniso ukuthi ukuhlaziywa kudingekile lesibili, ngenhla, Factor - zezimali amafa.

Lesi simo kungaba ezingalindelekile. Ngakho, kukhona ngokuvamile nokungahambisani phakathi zezimali etholakalayo yazo zonke izimpahla kanye maturities oluzayo wesikweletu izibopho. Ngokwesibonelo, inkampani, ngakolunye uhlangothi, has a share enkulu ze-non-zamanje amafa, okuyinto okunzima ukuba lelisu ngoba kukhona illiquid. Kodwa, ngakolunye uhlangothi, it has a ingxenye eliphezulu izikweletu zesikhashana. Kulokhu, manje noma ngokuhamba kwesikhathi kungase kufike isikhathi lapho amabhizinisi awunawo izindlela ukuze asule nezikweletu zamanje. Kulokhu kuyoba kudingekile ukusebenzisa solvency isilinganiso ekhethekile. Sikhuluma zezimali okungu (okusheshayo fudlana Yiqiniso, ngokuphelele).

Lezi zici izobalwa ku isimiso esifanayo. Kucatshangelwe isilinganiso izimpahla zamanje Figure zezimali obuhlukahlukene ukuze izibopho ezikhona. Kodwa isilinganiso solvency futhi le zezimali zamanje izobalwa ikhumbula amafa ezikhona, futhi esheshayo isilinganiso - based ketshezi izimpahla zamanje. Ukubala sibalo ngokuphelele esekelwe uhlelo kwempahla uketshezi kakhulu (imali futhi short-term imali).

abaholi Inkampani kudingeka khumbula ukuthi uma okungu zezimali izofakwa evamile ikwamukele ngokusemthethweni, bese inkampani kubhekwa enokwethenjelwa futhi lichume. Kungenjalo kudinga ukucabanga esiyisibopho umthamo ukukhokha yokutakula.

Ngenxa yalokho, kumelwe abe ezivamile solvency isilinganiso, elikwaziyo kubonisa ukuthi kungenzeka inkampani ukumboza zonke izikweletu zawo (eside futhi esifushane) izimpahla ezikhona.