Okuza amatyala azo kunye yokuhlawula amatyala

Ngaphambi kokuba siqwalasele elithi "Umlinganiselo amatyala" kufuneka kuqondwe ukuba gama yokuhlawula amatyala. Ingcamango amatyala ibhekisela isigama kwezoqoqosho. Oku kuthetha ukukwazi ukuguqula ngokukhawuleza asethi sibe yimali angayifumana kwangoko. Ngamanye amazwi - amatyala - negotiability imali. Okuza of amatyala kunye yokuhlawula amatyala zibaluleke kakhulu ukuqinisekisa uzinzo kwezemali nawuphi na umbutho, kuquka ibhanki yorhwebo.

Kufuneka kuqatshelwe ukuba igama elithi "amatyala" yaye elithi "Ratio" nangona kwamaqabane ineentsingiselo ezahlukileyo. Kwamatyala zibhekiselela kukukwazi ukuba zitshintshwe zibe imali okanye ngokwemali okuhlawula amatyala zemali. ebaluleke ngokukodwa inikwa isantya inguqu.

Ekubeni amatyala imisela uzinzo kwishishini liphela, inani kwindawo yokuqala izinto zabatyali-mali, abanini zoshishino, abaphathi, njl

Igama elithi "amatyala eliphantsi" ukuthetha nje malunga asethi ngexesha lokuguqulwa, kodwa kwinqanaba ilahleko athe anxulunyaniswa ukuguquka okunjalo. Umzekelo, kukho into ethile ezingahambisekiyo kunye ixabiso eliphambili kwesigidi esi-1. Ukuze inyanga ungalucima 700.000 kuphela imali yokwenene.

Umlinganiselo kwamatyala zizalathisi esetyenziswa ekuhloleni ubuchule yombutho ukuhlawula amatyala akhoyo ngoncedo lwe-asethi ezikhoyo kule nkampani.

Ngokusekelwe yokuba ii-asethi luphawulwa ubuchule amatyala, kunye namatyala babe isithutyana ezahlukeneyo izibophelelo ngoku. Ngoko ke, Umlinganiselo amatyala ukuvumela ukuba ukuhlola ngamanani umlinganiselo elinye ixesha lokuzaliseka yezibophelelo ukuze kufezekiswe asethi namatyala.

Cinga Umlinganiselo amatyala ezisetyenziswa kwamashishini.

ratio ngoku, ngamanye amazwi, isiciko factor. It is a ratio mali oluvakaliswe umlinganiselo asethi zangoku kwi liabilities yangoku (liabilities elifutshane-term). Oku kubonisa ubuchule mbutho lokuhlawula ityala layo kwamatyala ngexesha mjikelo wemveliso. ratio Quick yinto mali elingana umlinganiselo-asethi lulwelo kakhulu yangoku liabilities yangoku. Oku kubonisa ubuchule mbutho ukuba ityala layo ityala ngexesha mjikelo wemveliso ukusuka ukuthengiswa kweemveliso ezigqityiweyo okanye yorhwebo kunye kuphakama ubunzima.

Coefficient amatyala ingundoqo ngumba mali elingana lomlinganiselo investment zexesha elifutshane zemali kunye nemali ukuze namatyala yangoku.

Kubalulekile ukuphawula ukuba ibhanki ulindele le miba ilandelayo iphambili amatyala yebhanki: amatyala nangoko, lo amatyala yezibophelelo fixed-term kunye jikelele isambuku ratio yezibophelelo fixed-term.

Kuba inkoliso iibhanki enkulu imiba obuvunyiweyo ebalulekileyo amatyala azo yebhanki kunzima ukumisela, ukususela kwiinkqubo, ebonisa isambuku zahluke kancinane imodeli eqhelekileyo. Ngoko ke, ngokuba iibhanki ezinjalo ngawona zininzi ngereferensi.

Ngokubanzi, kuphantse amatyala kunye yokuhlawula amatyala yayo nayiphi na inkampani ibonisa ixabiso eliyimali lobungakanani lweshishini ukuhlawula ityala yangoku asethi ezikhoyo ngoku. Icacisa ezinjalo okuza ezinxulumene ne-mali akhawunti kunye nokusebenza kwemali.