Inzuzo yezinkampani inqubo sitholakele ngongakwazi ukukhokha izikweletu kwezomnotho

Izinkomba inzuzo lenkampani incike uphethwe esifike ukwehluleka kwezomnotho kwenhlangano. Futhi izinkomba inzuzo kuyizinto yekucala yayo yokutakula zezimali, kabusha noma ekucwileni ngesikhathi esifanele.

indlela zokuxilonga esekelwe ukuqaliswa izinyathelo ngokulandelana elandelayo:

1) Ukuhlolwa izinhlangano ibhizinisi umsebenzi futhi ekuboneni izinhlangano abanelisi ukulingana isakhiwo ;

2) Ukukhomba izilinganiso, kuncike izibopho isimo kulezi zinhlangano:

a) uma uzimisele ukuthi ngongakwazi ukukhokha izikweletu lenhlangano akuyona ngokuqondile kwezibopho isimo, leli qiniso isisekelo isinqumo ukushintsha ukuphathwa, izisingathe wenhlangano noma azimele yayo enkantolo kwezomnotho ngoba emizameni yokuthuthukisa ucabanga kwecala;

b) uma kunqunywa ukuthi ngongakwazi ukukhokha izikweletu lenhlangano ezihlobene nala nezibopho, awusebenzi ukunikeza izizathu ukusebenzisa nobuholi wenhlangano futhi inhlangano ngokwayo ngenhla nokuziphendulela izinyathelo;

3) ukuzimisela inzuzo (ibhizinisi kwezohwebo, ibhizinisi ukunikeza ehlinzekwayo, ekukhiqizeni ngamanani isitshalo).

Njengengxenye yale misebenzi kubaluleke ukuhlolwa Inhloso izinkampani namabhizinisi inzuzo izinkomba, enquma ngokugcwele kungenzeka kokuhlaziywa kwamathenda amabhizinisi sitholakale.

Ukubaluleka esiwusizo kokuhlaziywa ukuhlobana isimo sezimali ziwumthwalo nezimfuneko ezithile ku-linokwethenjelwa kanye umnqopho kanye, ngenxa yalokho, inqubo ukuqaliswa kwayo.

Ukuze ukuhlola inhlangano yakho isebenzisa imiyalelo efanele yamukelwa esinqumweni Ministry of Finance kanye Ministry of Umnotho.

Isisekelo ukuqashelwa lenkampani ezikweletini, iyona khona izimo lapho inzuzo yezinkampani ukubaluleka kulinganisela esingaphansi namagugu abo ejwayelekile. Amanani nobuntu lezi okuza umahluko amagatsha main zokukhiqiza impahla.

Phakathi ukuhlolwa esisebenzayo kwembula ukuthi ukusetshenziswa imiyalelo kunikeza isizathu ukuqaphela isimo esibi sezimali inombolo enkulu kakhulu amabhizinisi ezimbonini. Nokho, ukucwaningisisa eningiliziwe mayelana nesimo sezindaba kulezi zinkampani wembula inani elikhulu izifundo sasivumela kahle ekutholeni inzuzo futhi ukhokhe kahle inkokhelo abasebenzi, izintela - zikahulumeni futhi inzuzo eyanelisayo ibhizinisi. Esimweni esinjalo, kukhona kudingeka sithuthukise nenqubo kokuhlaziywa ecacisiwe kuleli bhukwana.

Njengoba kubalulekile, njengoba kubonakala kula imiyalelo izinkomba, abo kwakungenele umgomo, ukuhlolwa olunembile ngongakwazi ukukhokha izikweletu kwezomnotho. I solvency ibhizinisi emakethe namuhla kungase lungachazwa hhayi kuphela zezimali samanje izimpahla zayo.

Okokuqala, zezimali lwamanje isici Lesisemkhatsini isimo ibhizinisi ezezimali. Ngokusebenzisa ukuqaliswa kwamabhizinisi ukusebenza (iyasilela) osebenzelana zezimali zalo esikhathini esithile kungenziwa walulama futhi (elahlekile) ngaphandle kakhulu umthelela eziphathekayo ku solvency yayo nedumela zezimali iyonke.

Okwesibili, solvency amabhizinisi e yesimanje, ashukumisayo emakethe imvelo akuxhomekile nje kuphela esimweni le zezimali amafa, kodwa izinga nsuku zonke nokuphuma kwemali.

izinhlangano Ukukala nokuvikeleka ngumnikazi izimali kungenzeka ingasetshenziswa i ukuhlolwa Inhloso. Ngokwesibonelo, nge high umsebenzi ibhizinisi wamabhizinisi umthelela izimali zabo abanelisi balance sheet isakhiwo sizoba sifushane ngesikhathi futhi ubuncane on izinzuzo.

isimo lwezezimali, njengoba wazi, kuyisigaba eziyinkimbinkimbi kakhulu kwezomnotho, kwakheka bedle izingxenye ezintathu ezisemqoka: i-solvency, ukuzinza kwezezimali kanye nokunyakazisa umnotho. Uma kucatshangelwa olwamukelwa multifactor mkhuba kophenyo, ngombono wethu, futhi ngendlela edingekayo ukuze kwakheke uhlelo izinkomba, bagwema imikhuba ekhangayo ukunciphisa isibalo sabo. Zihlukahlukene Ukwakheka izilinganiso kuzokwenza lula ukuhlolwa olunembile isimo sezimali zenhlangano kanye ukuhlonza phakathi kwabo ezikweletini.