Ukuhlaziya creditworthiness of inkampani: nje mayelana eziyinkimbinkimbi

Njalo inkampani ebhekene ngokushesha noma kamuva isidingo ukuthatha ethile loan ukuqinisekisa ukuthi imisebenzi zamanje, ukuthenga izimpahla ezibizayo noma iyiphi enye injongo. Kusobala ukuthi akuwona wonke inkampani kufanele sidumise - izinkampani kuhluke kwezinye izinkomba esibonisa inkampani kanye nenani ingozi nokwethenjelwa ekuhlinzekweni credit. Kulesi sihloko sizoxoxa ngalokho ukuhlaziywa creditworthiness of inkampani nokuthi zisetshenziswa kanjani.

Loan njalo namanye ingozi, ngoba siyohlale Amathuba ukwehluleka ukuba abuyisele emuva imali okweletayo. Ukuze unciphise ingozi, i-izikhungo ezinkulu zezimali, ngaphambi kokunikeza boleko ifemu ethize, olwenziwa okubizwa ngokuthi ibhizinisi credit ukuhlaziywa ukuhlola abheke ukuthi kungenzeka ukuhlinzeka imali esikweletini lenkampani. isinqumo ukunikeza noma non-ilungiselelo imalimboleko esekelwe imiphumela ukuhlaziywa, kungenzeka isinqumo ukushintsha imigomo loan - ushintshe inani inani lenzalo, ukuvuthwa loan.

Ukuhlaziywa wesikweletu kungaba kwenziwe hhayi ngaphandle kuphela kodwa futhi ngaphakathi. Hlaziya creditworthiness kungenzeka futhi kudingekile, njengoba ikuvumela ukuba ukubikezela kusengaphambili isinqumo emabhange kanye ngaleyo ndlela kusengaphambili noma cha lindela ukuheha imithombo yangaphandle. Le nqubo ivame bafeza ehloliwe inkampani, njengoba ukubhala imibono yabo mayelana nesimo sezindaba lenkampani.

Kusukela iphuzu eliwusizo umbono wenhlangano wesikweletu ukuhlaziywa iyona ekubalweni a nemingcele eziyisisekelo ezimbalwa esekelwe amanani awo, futhi kwakhiwa i umbono mayelana nokwenzeka inkampani ukuthola loan:

1) ratio "Ivolumu yokuthengisa / izimpahla zamanje" - lokhu isilinganiso ikhombisa izinga inzuzo, futhi ngenxa yalokho, nekusebenta ukusetshenziswa of afundwa amafa lenkampani. Ayanda sibalo - the kahle kakhulu imisebenzi inkampani kusekelwe, futhi ngaleyo ndlela, i-kunokwethenjelwa kunjengesipho nakwabangenangqondo.

2) I-ratio "Ivolumu yokuthengisa / ukulingana" - ephawula nekusebenta ukusetshenziswa yenhloko-dolobha ogunyaziwe we ibhizinisi. Nalapha futhi, ayanda Inani lale Inkomba, ayanda kuyinto creditworthiness of inkampani.
Uma ukuhlaziywa creditworthiness inkampani kwenziwa "washesha", ngezinye izikhathi nomkhawulo izibalo ezimbili ngenhla. Nokho, le ndlela - indlela uqinisekile aphumelele ngoba ukuhlaziya ephelele kuhlanganisa ukucabangela ezinye indices ezintathu:

3) ratio "izikweletu zesikhathi esifishane / Equity" - ephawula degree of Ukusabalala ibhizinisi ukuba inhloko-dolobha yayo izikweletu. I umncane isilinganiso, kubalula kuyoba inkampani ukukhokha izikweletu zalo.

4) ratio "Receivables / imali engenayo" - ikuvumela ukulinganisa izinga yokukhokha abanamacala izikweletu lenkampani. Kunengqondo ukuthi engaba umbolekisi unesithakazelo iqiniso lokuthi lokhu babengamaphesenti njengoba low ngangokunokwenzeka, ngoba ngokushesha isikweletu inkampani ibe imali, kunokwethenjelwa wayezibheka njengembali evamile, nakwabangenangqondo.

5) ratio "ketshezi amafa / izikweletu zesikhathi esifishane" - ephawula degree of Ukusabalala lenkampani emafeni ketshezi iningi izikweletu zalo kunazo ukuphokophela. Ayanda sibalo - ngcono uzizwa eqinile ngokuya creditworthiness.

Kuphela emva ibalwa (okungcono kule minyaka embalwa edlule) lezi zibalo, ukuhlaziya ibhizinisi credit usuphothuliwe. Ungakwazi manje akesabi ukuthatha isiqunto sokunikela inkampani loan, ngoba umbolekisi uyazi zonke ins kanye nasemigwaqweni ngakho ngokwezimali.