Uhlalutyo creditworthiness yenkampani: nje isakhiwo

Zonke inkampani ijongene kungekudala kunye imfuneko ukuthatha isixa esithile mboleko ukuqinisekisa ukuba imisebenzi ngoku, ukuthenga izixhobo ezixabisa okanye nayiphi na enye injongo. Kucacile ukuba asizizo zonke inkampani kufuneka ukunika ikhredithi - iinkampani ziyahluka kwezinye zalathisi eziphawula nkampani kunye nemali umngcipheko ukuthembeka kubonelelo ngetyala. Kweli nqaku siza kuthetha ntoni na uhlalutyo creditworthiness yenkampani kwaye ichithwe njani.

Loan lisoloko linxulunyaniswa engatsho, ngokuba kukho kusoloko kukho yindlela yokuphumelela ukubuyela imali onetyala. Ukwenzela ukunciphisa lo mngcipheko, amaziko ezinkulu zemali, phambi kokuba amboleke kwinkampani ethile, waqhuba uhlalutyo ekuthiwa lweshishini ngetyala ukuvavanya ukusebenza yokubonelela ngemali kwelona tyala yenkampani. isigqibo sokunikwa okanye non-ilungiselelo mboleko esekelwe kwiziphumo zohlalutyo, oku kwakhona isigqibo Kuyenzeka ukutshintsha i imiqathango mboleko - ukutshintsha isixa umyinge wenzala, bokudlala-mboleko.

Uhlalutyo zetyala kwenziwa nje ngaphandle nje kuphela kodwa ngaphakathi. Hlalutya creditworthiness lunokwenzeka kwaye kuyimfuneko, njengoko likuvumela ukuba ukuqikelela kwangaphambili isigqibo beebhanki ngaloo kusengaphambili ukuba okanye hayi ukulindela ukuba nomtsalane izibonelelo ezivela ngaphandle. Le nkqubo lidla kwenziwe uphicotho le nkampani, njengoko bhala izimvo zabo malunga imeko nkampani.

Ukusuka kwindawo ezenziwayo lombutho analysis credit ukubalwa kwezobom iparameters ezimbalwa esekelwe kwiinqobo apho, uMbumbi uluvo malunga nokwenzeka inkampani ukufumana imali-mboleko:

1) Umlinganiselo "Volume yentengiso / asethi zangoku" - oku ratio ibonisa iqondo ingeniso kwaye, ngenxa yoko, ukwanela ukusetyenziswa kwe esasaza impahla ye nkampani. Uphakamile isafobe - usebenze ngakumbi imisebenzi inkampani usekelwe, yaye ngaloo ndlela, ethembeke ngakumbi kuba unetyala.

2) Umlinganiselo "Volume yentengiso / equity" - ukunyanisa impumelelo yokusetyenziswa kwemali eyinkunzi eligunyazisiweyo lweshishini. Kwakhona, i liphakamile ixabiso lale index, i ephakamileyo creditworthiness yenkampani.
Ukuba analysis creditworthiness lenkampani yenziwa "ngobungxamo", maxa wambi kuphela namanani ezimbini ikhankanywe apha ngentla. Nangona kunjalo, le ndlela - oqinisekileyo indlela aphumelele kuba uhlahlelo olupheleleyo kuquka ingqalelo kwezinye indices ezintathu:

3) Umlinganiselo 'ityala elifutshane elide / Equity "- ubonakalise iqondo coverage lweshishini ukuya ityala layo eyinkunzi. Ezincane ratio, kokukhona kuya kuba inkampani ukuhlawula amatyala ayo.

4) Umlinganiselo "ezifunyanwayo / ingeniso" - ikuvumela ukuba ukuqikelela izinga intlawulo abanamatyala amatyala benkampani. Ngoko kusengqiqweni ukuba umbolekisi enokubakho unomdla kwinto yokuba eli nani laba isezantsi kangangoko, kuba ngokukhawuleza netyala kwinkampani linokuguqulwa libe yimali, ethembeke ngakumbi yena nje unetyala.

5) Umlinganiselo "asethi ulwelo / ityala elifutshane" - ubonakalise iqondo coverage lenkampani kwi-asethi ezininzi ulwelo amatyala ayo embi kakhulu. Uphakamile isafobe - ngcono uziva ngokuqinileyo ngokwemiqathango creditworthiness.

Kuphela emva kokuba ebalwa (ekukhethwa ukuba kwiminyaka embalwa edlulileyo) la manani, uhlalutyo lweshishini yeentengo zemboleko lugqityiwe. Uyakwazi ngoku ukoyika ukuthatha isigqibo sokunikela inkampani-mboleko, kuba umbolekisi uyazi zonke ins kunye outs zawo ngokwezimali.