Nzira dzakasiyana-siyana dzekugadzirisa zvinokonzerwa nehuwandu zvinokonzera zvakasiyana
Zvitatu Zvisingaenzaniswi
Cash ratio = (Cash + Marketable Securities) / Current Liabilities
Kukurumidza kuenzanisa = (Cash + Mutengo Wakatengeswa + Wakawanikwa) / Iye zvino zvikwereti
Current ratio = (Cash + Zvigumisikiti Zvinotengeswa + Zvokuwana + Inventory) / Mazvikwereti Azvino
Vose vatatu vane rimwechete, "zvikwereti zvino" uye zvose zvitatu zvinosanganisira "mari + yekutengesa zvigadzirwa" mubare. Kusiyana pakati pavo ndeyekuti chikamu chemari, chinonyanya kushandiswa uye chekuchengetedza chetatu, chinobvumira chete mvura yakawanda yezvinhu - mari uye mari dzekutengeserana - sekuregererwa kwemari kusingabhadharwi nematambudziko, asi zvose zviyero zvezvino uye nhamba inokurumidza inobvumira zvimwe zvinhu zvinotarisana nematambudziko pamwe chete.
The Cash Ratio vs. The Quick Ratio
Kuwedzera kune zvinhu izvo zvatove zvemari kana kuti zvinogona kuchinjwa kuva chemazuva rimwe kana maviri, nhamba inokurumidza inobvumirawo zvikwereti zvekuverenga pakati pezvigadzirwa zvenguva pfupi. Kukosha kwekuwedzera zvipo zvekugadzirisa zvigadziri zvemazuva mashomanana ndezvimwe zvishoma zvichienderana nezvimwe zviitiko zvebhizimisi rinobatanidzwa.
Bhizinesi rakanyatsogadziridzwa rinogona kugara richiunganidza zvarinowana munguva pfupi - mazuva gumi, somuenzaniso- kubva kune vashandi vanogara kwenguva refu mune zvemari. Iyi nhoroondo yekutsvaga kwekuwana mari inowanikwa zvinoreva kuti kune ngozi shoma - imwe njodzi, zvechokwadi, asi kwete zvakawanda -kuwedzera kune nguva shomanana yemafambisi ekuenzanisa zvinhu zvisiri izvo zviri mukati mekambani.
Kufungidzira kunonzwisisika ndechokuti nokukurumidza kuchave.
Kunyange zvakadaro, dambudziko rezvemari-rezvemari rinogona kukanganisa nokukurumidza, sezvavakaita zvikurukuru muna 1929 kukanganisa kwemusika kwakashambadza kwenguva yakareba uye yakawandisa yakaoma. Muchiitiko chakadaro chakajairika chisingawanzoitiki uye chakanyanyisa, panogona kuva nekusiyana kwakakosha pakati penzira yakawanda yekuchengetedza mari uye chikamu chiduku chisinganyanyi kukosha. Zvechokwadi, mutsauko uyu - kuiswa kwezvakagamuchirwa pakati pezvinhu zvenguva pfupi-yakava nharo panguva yekudengenyeka kwemari kwe2008-8. Kukundikana kwemamwe makambani makuru kuita zvivimbiso kune vamwe apo dambudziko racho rave richienderera mberi rakabatanidzwa pakuputsika kwematarenda akare uye akaremekedzwa zvikuru munyika uye kuderera kwemashamba emabhizimisi mazhinji, kunyanya mumabhizimisi emotokari, izvo zvakasara nokuti US hurumende yakavabhadhara kunze apo yaityisidzira kuti ichatadza.
The Cash Ratio vs. Current Ratio
Nharaunda yemazuva ano inowedzera kune zvitatu zvinogamuchirwa zvinogamuchirwa muchikwereti chinokurumidza - mari, mari yekutengeserana, uye zvikwereti - chechina: kuverenga.
Zvakare, zvinorehwa neizvi zvinoenderana nekutungamirirwa kwehuwandu hwehupfumi, hutano huripo hwebhizimisi rekambani uye, zvakakosha, bhizinesi chaiyo iyo kambani iri.
Inventory, zvisina zvazvinofanira kutaura, ine zvinhu izvo zvisati zvatengeswa. Sei vasina? Kana iyo yekuenzanisa inomiririra kutenderera kwezvinhu kubva kune vanotengesa kuburikidza nekambani kune vatengi vayo - funga nezvekudya kwekudya kwekudya kwekudya - ipapo dambudziko rakawedzerwa ringasave rakakosha. Kana kuwanikwa kunosanganisira zvinhu zvisingatariswi mhizimusi - mhizha yemafashoni, somuenzaniso - zvingasave zvisina kuchenjera kuverenga sezvinhu zvezvinhu zvinogona kutengeswa nekukurumidza, kutengeswa zvishoma nezvishoma, kutengesa zvishoma nezvishoma pazvikwereti kana kuti zvimwe hazvina kutengesa zvachose.
Inobatsira Sei Mari Yakashata?
Kana kambani ikange ichitsvaga kuisa insolvency, kushandiswa kwemari yemari, iyo isingatori chinhu pamusoro pekubatana kwekambani yekuwana mari kana yekambani yekambani yekufambisa zvinyorwa, inogona kunge yakanyatsogadzirisa yezvikamu zvitatu zvakaenzaniswa.
Nokuda kwechikonzero ichi, vanokweretesa dzimwe nguva vanoshandisa chiyero chemari kuti vanzwisise kuti chii chinonyanya kuipa.
Muzhinji, zvisinei, vaongorori vakawanda havashandisi chikamu chemari. Haisi kungofungidzira kuti kune ngozi yakawanda isinganzwisisiki, inopawo kukosha kune mari uye nguva shomanana yekuchengetedza iyo inofungidzira kushandiswa kwayo mukambani yakanyatsogadzirisa. Kusvikira iwe uchiita chimwe chinhu nemari, haina zvigone kuita kuti uwane kudzoka kwakakodzera. Mune dzimwe nzvimbo dzoupfumi, kuchengetedzwa kwenguva pfupi kushambadzirwa hakuiti kunyange kukanganiswa kwechokwadi mukukosha kunokonzerwa nehupfumi. Imwe kambani ine mari yakawandisa uye yakawanda-inoremerwa muvhesi dzenguva pfupi haigoni kuva yakabhadhara zvikuru.