Amatyala yangoku nje olubonisa impumelelo yolawulo yokuhlawula amatyala

Ulawulo amatyala kunye yokuhlawula amatyala le yebhanki isondlo ngokusekelwe kwinani ezahlukeneyo ngcamango: le thiyori mboleko, siyashukuma, ingeniso elindelekileyo, kunye nabanye. Bonke babe ngani nezingeloncedo, yaye uhlobo yayo enyulu ayingqinelani izinto ezifunekayo. Nangona kunjalo, ngenxa kuyondelelaniswe kwemiba ethile yeengcingane iibhanki kudala ingqiqo yalo okuhlawula amatyala, ofanele kakhulu neemfuno zomsebenzi wabo, yaye usetyenziswa ngempumelelo.

Ngelo langoku ibakala yokukhetha esetyenziswayo zokubhankisha ingqiqo kulawulo amatyala ichaza iindlela ezimbini: nokuba ibhanki kufuneka sihlale kwi reserve imali eyaneleyo kwempahla lulwelo, okanye babe nokwazi ukutsala amatyala nakweyiphi indawo kwimarike zemali. Yoncwadi lwezoqoqosho, le ezichaseneyo ichazwe esekungcoleni zebhanki amatyala likvidnost- "ukhuseleko" (amatyala esisigxina) kunye 'flow' likvidnost- (amatyala current). Eyokuqala kwezi ichaza amatyala ka inemali kwexesha elinikiweyo, ukukulungela echanekileyo yokuphumeza zonke izibophelelo yangoku ngokusekelwe amatyala ekhoyo. amatyala zangoku ibonisa ithuba lokuguqula izinto illiquid ibe ulwelo ngaphezu koko, kunye ukubonelela i-inventri ubuncinane amatyala kuvumela ulawulo ngakumbi kakuhle iimeko enamavili.

Le ndlela ukuya amatyala ngokutsha imisela umxholo zelo izicwangciso zolawulo mzuzu amatyala, ezona ziphambili ukuba: isicwangciso yolawulo lwe-asethi, impahla kunye namatyala.

Eyokuqala kwezi ukuqokelela amatyala yebhanki ngohlobo imali. Ukusetyenziswa kwale sicwangciso igqitywa phambi kweli lizwe, kuphuhliswa iimarike zemali kunye namaxabiso ezinzileyo kunye namathuba imbuyekezo yotyalo-mali sokuqala encame iphantsi. iqhinga ulawulo liability isekelwe kwi-mboleko iindlela intlawulo, xa amatyala yangoku iphantsi. Uninzi ekwaneziseni iimfuno ze-mihla isicwangciso wesithathu. Ziqikelela ukuba amatyala wangoku igcinwe kangangoko apho kufuneka ukuba ukuhlangabezana neemfuno zangoku kunye nokubandakanyeka kwazo inxaxheba emarikeni xa kuyimfuneko.

amatyala nazo zonke izicwangciso ngasentla kunye neendlela, xa kusenziwa kubonelelwa kwinqanaba elamkelekileyo, ngoxa bona ngokwabo izicwangciso zolawulo azibonakali kakhulu olusebenzayo esisetyenziswa ngokubanzi zeebhanki mihla kwinkqubo yolawulo amatyala. Nangona kunjalo, ubukho eziliqela iimeko neemfanelo kwimpumelelo isicelo sabo engaphenduli ibhanki nentembelo ngokupheleleyo ukhuseleko imisebenzi yabo. Data iindlela zolawulo lwezibonelelo luphawulwa kwinqanaba elisezantsi okuchaneka, nto leyo ekhokelela ukuba ukulahlekelwa yinxalenye ebalulekileyo lobungakanani yenzuzo, yaye imeko apho amatyala yangoku lifinyele. Kulo mzekelo, zinokuthi zisetyenziswe ikakhulu kuphela ukusombulula imeko sele ikhona. Noko ke, indlela esebenzayo ukulondoloza yebhanki yayo amatyala into okubonisa a ingapheli iimeko ezimbi kunokwenzeka ukwenzela ukuthatha amanyathelo othintelo. Ngoko ke kubalulekile ngeli thuba ukuqwalasela kwaziveza amatyala zebhanki njengoko likvidnost- "ngumlomo".

Likvidnost- "ngumlomo" luphawulwa ekuchongweni Kuphononongwe indlela ezahlukileyo zophuhliso kunokwenzeka amatyala neemeko ezikhoyo kunye nokwamkelwa iqela amanyathelo ngexesha elifanelekileyo ukuze sizuze lukhulu kule meko. ulawulo amatyala Ulwazi kule ndlela isekelwe phezu indlela yokubumba izibalo kweenkqubo zendalo kunye ukusebenza nokwenza ethile. Le ndlela yenza kube lula ukuba kwandiswe ukusebenza izigqibo zolawulo kunye nokubonelela kwinqanaba eyimfuneko yokhuseleko.