Chii Chinonzi Solvency Is
Solvency kukwanisa kwebhizimisi kuti ive nezvinhu zvakakwana kuti zvivhare zvikwereti zvayo. Izvo zvebhizimisi zvinhu ndizvo zvinoshandiswa nebhizinesi, uye zvikwereti ndizvo izvo bhizinesi rinobhadhara pane izvo zvinhu. Nei izvi zvichikosha? Bhizinesi rimwe nerimwe rine matambudziko nekushamba kwemari nguva nenguva, kunyanya kana kutanga bhizinesi.
Kana bhizinesi riine zvikwereti zvakawanda zvekubhadhara uye kwete zvinhu zvakakwana (kusanganisira mari, zvechokwadi) kubhadhara zvikwereti, bhizinesi harisi kupona.
Solvency paBusiness Balance Sheet
Solvency inorondedzera zvakananga nezhizha rebhizimisi. Bhiriji rezverati rinoratidza hukama hwebhizimisi mari kune rumwe rutivi kune zvikwereti zvaro uye kuenzanisa (umu) kune rumwe rutivi.
Nzira dzekugadzirisa kuenzanisa ndeyekuti Asset yakaenzana nematambudziko pamwe neVaMari Equity. Kana bhizimisi rine, ichiti, $ 100,000 muzvinhu uye $ 100,000 muzvikwereti, muridzi wacho haana hutano. Bhizinesi, saka kutaura, inenge iri bhizinesi. Asi kana bhizinesi iri ne $ 100,000 muzvinhu uye chete $ 50,000 muzvikwereti, muridzi ane pfuma zhinji yebhizimisi uye anogona kuvashandura kuva mari kana zvichidiwa.
Solvency Measures kana Ratios
Solvency inowanzoyerwa sechiyero chezvinhu kune zvikwereti. Yeuka, solvency inofananidza zvinhu kune zvikwereti - pane mari yakakwana yekubhadhara mabhiriji here?
Muzvinhu izvi, nzira yakanakisisa yekuyera solvency ndeyekubatanidza zvose zvikwereti: kubhadhara mari, kubhadhara mitero, zvikwereti zvinobhadhara, zvikwereti zvinotengwa - zvose izvo bhizinesi rinobhadhara. Pane zviyero zviviri zvinoyera solvency:
Nhamba yehuwandu ihwo huwandu hwezvinhu zviripo zvino zvakapatsanurwa nehuwandu hwemari ikozvino.
Ikozvino mari inoshandisa mari, mabhizimusi anogamuchirwa, kuverenga, uye mari yekubhadhara mari. Zvimwe zvinhu zvenguva refu zvakadai semidziyo hazvifungidzirwi muchiyero ichi nokuti zvinotora nguva yakareba kuti dzivatengese kuti vawane mari yekubhadhara zvikwereti, uye havangatengesi kutengesa zvakakwana.
Kuti ive nekugadzirisa uye kuvhara zvikwereti, bhizinesi rinofanira kuva nehuwandu hwemapato maviri kusvika ku1, zvichireva kuti inowedzera kaviri yezvinhu zviripo iye zvino sezvikwereti zvino. Ichi chiyero chinoziva kuti kutengesa zvinhu kuwana mari kunogona kukonzera kurasikirwa, saka zvimwe zvinhu zvinodiwa.
Nhamba inokurumidza inoshandisa chete mari nemari inogamuchirwa, sezvo zvinhu izvi zviri izvo chete zvinogona kushandiswa kubhadhara chikwereti nokukurumidza, pane zvakaitika kune imwe nguva mari inodiwa. Nhamba inokurumidza iyo inonzi 1 kusvika 1 yero, iyo inoreva mari uye mari inogamuchirwa inofanira kuenzana nemari yechikwereti. Izvi, sezvaunogona kufungidzira, iri chiyero chinorema kuti chibudirire.
Solvency Sezvaonekwa kubva kune Lender's View
Izvi zvinyorwa zvakakosha kune muridzi wemabhizimisi, asiwo kune anokweretesa. Kana bhengi riri kutarisa chikwereti kune bhizinesi, richaona zvakanyatsooneka kune aya maitiro kuti ione kana bhizinesi ratova nemakwereti akawanda uye kwete mari yakakwana yekubhadhara chikwereti ichocho.
Solvency, Liquidity, uye Viability
Solvency inowanzovhiringidzwa ne kusvibiswa , asi hachisi chinhu chimwe chete.
Kudyidzana inzira yfupi pfupi yebhizimisi, asi solvency ndeyekuyera kwenguva. Liquidity inorondedzera zvakawanda kune nguva shomanana yekuyerera kwemari, asi solvency inorondedzera zvakawanda kune nguva yakareba yemari yakagadzikana.
Solvency inosanganiswawo nehupenyu. Mhirizhonga inobatanidza zvakawanda nekukwanisa kwebhizimisi kuti ibatsirwe kwenguva yakareba.