Falanqaynta amaahda ee shirkadda: oo keliya ku saabsan dhismaha

Shirkadda kasta waxaa si degdeg ah ama goor dambe soo food leh baahida loo qabo in la qaato xaddi gaar ah oo amaah ah si loo xaqiijiyo in hawlaha hadda, si ay u iibsadaan qalab qaali ah ama ujeeddo kasta oo kale. Waa wax iska cad in aan kasta oo shirkadda waa in la siiyo credit - Shirkadaha kala duwan yihiin tilmaamayaasha qaar ka sifeeyay shirkadda iyo xaddiga khatarta isku halaynta ee bixinta deynta. In this article ayaan ka hadli doonaa oo ku saabsan waxa falanqaynta ah amaahda ee shirkadda iyo sida loo qaatay.

Deynta ah waxaa mar walba la xiriira halista qaar ka mid ah, sababtoo ah waxaa jira had iyo jeer waa jaaniska ah ku fashilmeen in ay lacag ku soo laabto isagoo caydh ah. In si loo yareeyo khatarta this, hay'adaha maaliyadeed weyn, ka hor inta siinaya deyn ah oo shirkad gaar ah, sameeyay falanqaynta waxa loogu yeero credit ganacsi si ay u qiimeeyaan Bulshda ee lacag bixinta ee daynta ah ee shirkadda. go'aan ku saabsan bixinta ama non-bixinta amaahda ku saleysan natiijooyinka baadhitaanka, waxa ay sidoo kale waa go'aan ay suurtagal tahay in la beddelo marka la eego amaahda - beddelo xaddiga dulsaarka, maturity ee amaahda.

Falanqaynta of credit la fulin karo dibadda kaliya ma, laakiin sidoo kale gudaha. amaahda Falanqeeyaan waxaa suurtagal ah oo loo baahan yahay, sida ay kuu ogolaanaysaa inaad in la saadaaliyo ka hor go'aanka ee bangiyada iyo sidaas si ay saadaal wanaagsan in la filayaan in uu soo jiito khayraadka dibadda. Hanaankani wuxu inta badan ku qaadeen hubinta ee shirkadda, sida ay qorayaan in fikradahooda ku saabsan gobolka ee arrimaha shirkadda.

Laga soo bilaabo dhibic ku ool ah ee view of ururka falanqaynta credit waa xisaabinta ah oo xuduudaheedu aasaasiga ah dhowr ku salaysan qiimaha kuwaas oo, iyo sameeyey fikrad ku saabsan suurtagalnimada ee shirkadda si aad u hesho si amaah ah:

1) ratio ee "Volume of iibka / hantida hadda" - ratio this muujinaysaa heerka uu dakhli iyo, sidaas awgeed, ku-oolnimada ee isticmaalka of wareegaya hantida shirkadda. The tirada sare - ku ool ah oo dheeraad ah hawlaha shirkada ku salaysan yahay, iyo sidaas, ayaa in ka badan la isku halayn karo, waa sida ku waajib ah.

2) ratio ee "Volume of iibka / sinaanta" - tilmaamay hufnaanta isticmaalka caasimada idman ee shirkada. Mar kale, qiimaha sare ee index this, sare waa amaahda ee shirkadda.
Haddii falanqaynta amaahda shirkad ayaa waxaa lagu fuliyaa "dhaqso", mararka qaarkood ku koobnayn labada tirooyinka kor ku xusan. Si kastaba ha ahaatee, habkan - Jid hubi inaad failure, maxaa yeelay, falanqaynta dhamaystiran ka mid ah tixgelinta saddex indices kale:

3) ratio ee "deynta muddo gaaban / Equity" - tilmaamay heerka caymiska ee shirkada in deynta caasimada ay. The yar saamiga, fudud waxa ay noqon doontaa shirkadda in ay bixiso daymaha ay.

4) ratio ee "receivables / dakhliga" - kuu ogolaanayaa inaad si ay u qiyaasaan heerka of bixinta qaamaysan deymaha shirkada. Waxaa macquul ah in wax amaahiya a iman kara xiiseynaya in xaqiiqda ah in tiradaasi ahayd yar intii suurto gal, maxaa yeelay, si degdeg daynta shirkadda diinta lacag, ayaa in ka badan la isku halayn karo nafteeda sida ku waajib ah.

5) ratio ee "hantida dareere / deynta muddada gaaban" - tilmaamay heerka caymiska ee shirkadda ee hantida ugu dareere daymaha ay ugu wayn. The tirada sare - si fiican u dareensan adag marka la eego amaahda.

Kaliya ka dib markii xisaabiyaa (doorbidayaa in dhowrkii sano ee la soo dhaafay) tirooyinkan, falanqaynta credit ganacsi la soo gabagabeeyo. Waxaad kartaa hadda ha ka baqin in ay qaataan go'aanka ah in deeq shirkadda amaah ah, maxaa yeelay, wax amaahiya ogyahay oo dhan tago iyo mooraal waxaa ka mid ah dhaqaale.