Kuongororwa kwemari uye solvency yebhizimisi.

Kuongororwa kwe solvency uye kucheneswa kwesangano ndechimwe chezvinhu zvakakosha zvekudzidza nezvemari yemamiriro avo. Kuongorora uku kunoitwa kuburikidza uchishandisa nzira dzakasimbiswa kwenguva refu, iyo inokubvumira kuti iwe nokukurumidza uite kuverenga uye ugoita mamwe mahedheni.

Sezvo mutemo, pamutambo wekutanga, kubvisa uye solvency yebhizimisi kunoongororwa nokuverenga cheefficients. Zvose izvi zvinokonzerwa nenzira imwecheteyo seyero yeimwe chikamu cheimba yekusimudzira kune kukosha kwezvigaro zvenguva pfupi. Liquidity uye solvency zviratidzo zvebhizimusi zvinosanganisira coefficients yezvinyorwa uye zvepakati pekugoverana, pamwe chete nenheyo yakakwana yemari. Apo kuverenga chiratidzo chekutanga, nhamba yacho inoshandisa kukosha kwese kwezvinhu zvekambani zvino. Vanofanirwa kuvhara pamusoro pemari yezvikwereti zvenguva pfupi, asi kwete kudarika kaviri. Kana uchitarisa kupatsana kwepakati, kuwanda kwematokari hakubvumiri kuverenga. Nokudaro, kukwana kwezvinhu zvinoshandiswa mumvura kunotsanangurwa kana uchiwana mari yose yezvikwereti. Inowanzogamuchirwa kuti iyi yejiyo inowanzofanira kudarika kubatana. Nhamba iyo inogadzirisa kushandiswa kwakakwana kunosanganisira, sezvinogona kunzwisiswa kubva muzita, iyo chete yakakwana yemvura. Inotorwa seyakagamuchirwa kana kambani inogona kukurumidza kudzoka inenge chikamu chezvikwereti zvayo zvinokurumidza. Kuongororwa kwemari uye solvency yebhizimisi inofanirawo kuitwa nekugadzirisa kwemari, iyo inoitwa nekubatsirwa kwezita rimwe chete. Ichi chiyero chinotsanangurwa nechiyero chekuchengetedzwa kwekuchengetedza kusvika kuwandu hwemabasa ekukurumidza. Zviri pachena kuti kuunganidza mari munyaya iyi kunoreva kutengeswa kwematokari. Zvisinei, inofanira kutarirwa mupfungwa kuti maererano nehuwandu, apo pachitengesa mashizha, kazhinji zvinogoneka kuwana 40 chete yezana rekukosha kwavo.

Iko kusvibiswa uye solvency yebhizimisi inogona kuongororwa nekuongorora nekudzidza kushandiswa kwemari yekambani yekambani. Kazhinji kazhinji, nekuda kwezvinangwa izvi, nzira yekuvaka uye yekudzidza kushandiswa kwemari inoshandiswa. Ichi chiyero ndechimwe chikwata chemari uye zvikwereti zvekambani. Nenzira, kune rumwe rutivi rwechikwata chemashizha, mapoka mana akaumbwa, ayo anowanikwa nehuwandu hwehuwandu kana hurumende. Zvinhu zvekambani zvakabatanidzwa mumapoka anotevera: zvachose mvura, inokurumidza, inononoka uye yakaoma-kutengesa pfuma. Kana zviri zvemhosva, chigumisiro chekubatana chichava chinotevera: zvikwereti zvakanyanya kukurumidza, kwenguva pfupi uye kwenguva refu, pamwe nematambudziko, anonzi akasingaperi. Uyezve, zvakakosha kuenzanisa mapoka akawana nekubvisa boka rezvikwereti rinoenderana neboka rezvinhu. Kana misiyano iyi yakanaka, ipapo pane mari yekubhadhara, kana, zvimwe, iko kukanganisa kwekubhadhara. Zvinotendwa kuti mamiriro ekuregererwa zvachose anowanikwa muhupo hwehuwandu huri mumatatu matatu okutanga edzimba uye zvikwereti uye kukanganisa kwechina. Kusabatanidzwa muboka rekupedzisira kunotungamirira uye kunotora basa rinokosha zvikuru. Iyo inoratidzira kushandiswa kwesangano kwekushanda kwemari. Nzira iyo inokurukurwa pamusoro inonyanya kushandiswa kumabhizimisi ehupfumi chaiye, sezvo kuongorora kwemahombekombe emabhangi uye mamwe masangano emari uye chikwereti zvinoda tsanangudzo yakawanda.

Nzira dzinotsanangurwa pamusoro apa dzinonyanya kuzivikanwa, ndezvekubatsira kwavo kuti kusvibiswa uye solvency yebhizimisi inowanzoongororwa. Zvisinei, kutsvakurudza uku hakukwanisi kuongororwa kwemari, zvinokosha kuti udzidze zvimwe zvikamu zvemabasa emhizha.