Ko'rsatmalar 1-qadam

Moliyaviy barqarorlik - bu bozor iqtisodiyoti sharoitida korxonaning muhim xususiyatlaridan biridir. Moliyaviy barqaror - bu kreditga layoqatli va to'lovga qodir bo'lgan, o'z mablag'lari miqdorini ta'minlaydigan korxona, agar ularning qiymati qarz manbalari hajmidan oshsa.
Ko'rsatmalar
1-qadam
Moliyaviy barqarorlikni oshirish uchun debitorlik qarzlarini qat'iy nazorat qiling va boshqaring, uning sifati va nisbati ustidan nazorat qiling. Kompaniyaning shartnomaviy majburiyatlarini buzish va sotilgan mahsulot uchun o'z vaqtida to'lamaslik kompaniyaning ishbilarmonlik obro'sini yo'qotishiga va natijada uning yaroqsizligi va to'lovga qodir bo'lishiga olib keladi. Debitorlik qarzlarini samarali boshqarish uchun quyidagilar zarur:
- xaridorlarning to'lov intizomini nazorat qilish;
- ulardan biri yoki bir nechtasi tomonidan to'lovni to'lamaslik xavfini kamaytirish uchun ko'proq xaridorlarni maqsad qilib qo'yish;
- debitorlik va kreditorlik qarzlari nisbatini kuzatish.
2-qadam
Debitorlik qarzlarining aylanishini tezlashtirish va hisob-kitoblarni o'z vaqtida bajarilishini ta'minlash uchun qarzdorlarga muddatlarni qisqartirish uchun chegirmalar berish, qarzdorlar bilan hisob-kitoblarda veksellardan foydalanish, faktoring operatsiyalari, mijozlar bilan munosabatlarda tijorat kreditidan foydalanish.
3-qadam
Moliyaviy barqarorlikni oshirish uchun shubhali qarzlar uchun zaxira yarating. U tashkilotning debitorlik qarzlarini aks ettiradi, shartnomada belgilangan muddatlarda qaytarilmaydi va zarur kafolatlar bilan ta'minlanmaydi. Zaxira yaratilishi daromad solig'i miqdorini tejashga imkon beradi, bu qarzlarning salbiy oqibatlarini yumshatadi, ammo ularni yo'q qilmaydi.
4-qadam
Moliyaviy barqarorlikni oshirishning yana bir usuli bu kompaniyaning o'z kapitalini ko'paytirish, masalan, qimmatli qog'ozlar chiqarish va foydani qayta investitsiya qilish. Qarz manbalarini jalb qilish to'g'risida qaror qabul qilishda majburiyatlarning mavjud tarkibini baholash kerak. Ularda qarz manbalarining katta ulushi yangi mablag'larni jalb qilishni korxonaning moliyaviy barqarorligi uchun xavfli qilishi mumkin.


Kirish
Bozor iqtisodiyoti sharoitida har qanday korxona moliya masalasiga e'tibor berishi kerak Maxsus e'tibor. Moliyani samarali boshqarish uchun korxona moliyaviy tahlilni muntazam ravishda olib borishi kerak. Moliyaviy tahlilning maqsadi har tomonlama o'rganishdir moliyaviy holat tashkil etish va kapitalning rentabellik darajasini bashorat qilish va uning faoliyati samaradorligini oshirish imkoniyatlarini aniqlash imkonini beradigan ta'sir etuvchi omillar.
Tashkilotning muvaffaqiyatli faoliyat ko'rsatishi va rivojlanishi, o'zgaruvchan ichki va tashqi biznes muhitida aktivlar va passivlar muvozanatini saqlash, to'lov qobiliyati va moliyaviy barqarorlikni saqlash qobiliyati uning barqaror moliyaviy holatidan dalolat beradi va aksincha.
Moliyaviy tahlil - moliyaviy axborot ko'rsatkichlarining bog'liqligi va dinamikasini o'rganish asosida xo'jalik yurituvchi sub'ektning retrospektiv (o'tmishdagi) va istiqbolli (kelajakdagi) moliyaviy barqarorligini baholash usuli. Shuning uchun faqat moliyaviy tahlil pul oqimining barcha jihatlari va natijalarini, ular bilan bog'liq munosabatlar darajasini har tomonlama o'rganish va baholashga qodir. pul oqimi, shuningdek, tashkilotning mumkin bo'lgan moliyaviy barqarorligi.
Har qanday iqtisodiy faoliyat pul mablag'larini qo'yish bilan boshlanadi, pul harakati orqali o'tadi va pul qiymatiga ega bo'lgan natijalar bilan tugaydi. Shuning uchun faqat moliyaviy tahlil pul oqimining barcha jihatlari va natijalarini, pul oqimlari bilan bog'liq munosabatlar darajasini, shuningdek, tashkilotning mumkin bo'lgan moliyaviy barqarorligini har tomonlama o'rganish va baholashga qodir.
Korxonaning moliyaviy barqarorligi deganda uning faoliyatini moliyalashtirish qobiliyati tushuniladi. Bu xavfsizlik bilan ajralib turadi moliyaviy resurslar korxonaning normal ishlashi uchun zarur bo'lgan, ularni joylashtirishning maqsadga muvofiqligi va foydalanish samaradorligi, boshqa yuridik va jismoniy shaxslar bilan moliyaviy munosabatlar.
Moliyaviy barqarorlik - bu moliyalashtirish manbalarining bir qismi sifatida o'z kapitalining etarli ulushi bilan ta'minlangan korxonaning moliyaviy holatining barqarorligi.
Bu uning ishlab chiqarish, tijorat va moliyaviy faoliyati natijalariga bog'liq. Agar ishlab chiqarish va moliyaviy rejalar muvaffaqiyatli amalga oshirilsa, korxonaning moliyaviy holatiga ijobiy ta'sir ko'rsatadi. Aksincha, mahsulot ishlab chiqarish va sotish rejasining kam bajarilishi natijasida uning tannarxi oshishi, daromad va foyda miqdori kamayishi va natijada mahsulot ishlab chiqarishning yomonlashishiga olib keladi. korxonaning moliyaviy holati va uning to'lov qobiliyati.
Barqaror moliyaviy holat, o'z navbatida, ta'minlaydi ijobiy ta'sir ishlab chiqarish rejalarini bajarish va ishlab chiqarish ehtiyojlarini zarur resurslar bilan ta'minlash.
Shunday qilib moliyaviy faoliyat kabi komponent xo'jalik faoliyati moliyaviy resurslarning rejalashtirilgan tushumini va sarflanishini ta'minlash, hisob-kitob intizomini amalga oshirish, o'z va qarz mablag'larining oqilona nisbatlariga erishish va undan samarali foydalanishga qaratilgan.
Ushbu mavzuning dolzarbligi shundaki, har qanday tijorat korxonasining moliyaviy barqarorligini ta'minlash uni boshqarishning eng muhim vazifasidir.
Ushbu ishning maqsadi “MashstalOptProm” MChJning moliyaviy barqarorligini baholash va uning ish samaradorligini oshirish chora-tadbirlarini ishlab chiqishdan iborat.
Yakuniy malakaviy ishda ushbu maqsadga erishish uchun quyidagi vazifalar hal qilindi:
Korxonaning moliyaviy barqarorligi va uning likvidligi tahlilining mohiyati, vazifalari va ahamiyatini ochib berish;
Korxona balansining likvidligini tahlil qilishda turli yondashuvlarni baholash;
Korxonaning moliyaviy holatini tahlil qilish;
Korxonaning likvidligi va moliyaviy barqarorligini baholash uchun moliyaviy ko'rsatkichlarni hisoblash;
Korxonaning to'lov qobiliyati darajasini va bankrotlik ehtimolini baholash;
Bitiruv malakaviy ishining tadqiqot predmeti “MashstalOptProm” MChJ moliyaviy barqarorligini baholash hisoblanadi.
Ushbu ishning o'rganish ob'ekti "MashstalOptProm" mas'uliyati cheklangan jamiyati hisoblanadi.
"MashstalOptProm" MChJ faoliyatini tahlil qilish uchun asosiy ma'lumot manbalari 2008-2010 yillar uchun moliyaviy hisobot (buxgalteriya balansi, daromadlar to'g'risida hisobot) hisoblanadi.
Yakuniy malaka ishi yordamida yoziladi turli usullar iqtisodiy tadqiqotlar: abstrakt-mantiqiy, iqtisodiy-statistik, analitik, tadqiqot va boshqalar.
Ish kirish, uch bob, xulosa va foydalanilgan adabiyotlar ro‘yxatidan iborat.
Yakuniy malakaviy ishning birinchi bobida xorijiy va mahalliy adabiyotlar mualliflaridan korxonaning moliyaviy barqarorligi va likvidligini tahlil qilishning nazariy asoslari berilgan.
Ikkinchi bobda korxonaning moliyaviy barqarorligi tahlil qilinadi, unda ko'rib chiqilayotgan tashkilotning xususiyatlari tavsiflanadi, likvidlik tahlil qilinadi va uning moliyaviy barqarorligi baholanadi.
Ushbu ishning amaliy ahamiyati korxonaning rentabelligi, likvidligi va to‘lov qobiliyatini oshirish maqsadida “MashstalOptProm” MChJ faoliyatini tahlil qilish natijalaridan foydalanish imkoniyatidan iborat
Kirish
Korxonaning moliyaviy holati uning rivojlanish istiqbollarini, xususiyatlarini belgilaydi va korxonaning raqobatbardoshligini belgilaydi. Bozor iqtisodiyoti sharoitida korxonalar oldida ularning faoliyatini mustaqil rejalashtirish, nazorat qilish, baholash va tahlil qilish vazifasi turibdi. Deyarli barcha korxonalarning asosiy maqsadi bozor sharoitida omon qolish va o'z faoliyatidan maksimal foyda olish edi. Bunga ko'plab omillar ta'sir qiladi, ham tashqi, ham ichki, o'sishdan beri iqtisodiy samaradorlik korxona faoliyati uning uchun asosiy vazifaga aylanadi.

Agar korxona barqaror va etarlicha to'lov qobiliyatiga ega bo'lsa, bu unga bir xil tarmoqdagi boshqa korxonalar oldida (masalan, kreditorlar, investorlar, etkazib beruvchilar va boshqalar oldida) ma'lum afzalliklarni beradi. Korxonaning barqarorlik darajasi uning keskin o'zgarishlardan mustaqilligini ko'rsatadi bozor sharoitlari va bankrotlik yoqasida bo'lmaslik uchun yaxshiroq imkoniyat beradi.

Rossiya olimlari A.A.Belyaev, E.M.Korotkov, V.M.Rodionova, E.S.Stoyanova, M.A.Fedotova, A.D.Sheremetlarning ishlari turli tashkiliy-huquqiy shakldagi korxonalarning moliyaviy barqarorligi muammolarini oʻrganishga bagʻishlangan. va boshqalar.Koʻrib chiqilayotgan muammolarni hal etishda xorijiy olimlar J.Keyns, J.Neyman, J.Xiks, I.Fisherlar katta hissa qoʻshdilar. Xorijiy olimlarning xo‘jalik yurituvchi subyektlarning bankrotligi yoki to‘lovga layoqatsizligini baholashning reyting tizimlaridan foydalanishga bag‘ishlangan ishlari (Beaver V.X., Altman E., Brigham Y., Damary R., Kurts X.) katta qiziqish uyg‘otmoqda.

Ushbu mavzuning dolzarbligi shundaki, hozirgi vaqtda bozor sharoitida korxona barqaror holatining asosiy omili uning moliyaviy barqarorligi hisoblanadi. Amaliyot shuni ko'rsatadiki, barqaror korxonalar o'z faoliyatini qiyin bozor sharoitlariga moslashtirishga ko'proq e'tibor qaratadilar. Bunday korxonalarning moliyaviy siyosati ularning bozordagi raqobatdosh ustunliklarini aniqlash va ulardan optimal foydalanishga qaratilgan. Ko'p qismning past moliyaviy barqarorligi Rossiya korxonalari Bu mablag'larning etishmasligi bilan emas, balki ushbu mablag'larni boshqarishning imkoni yo'qligi bilan bog'liq.

Har qanday korxonaning samarali ishlashini ta'minlash uchun uning faoliyatini malakali boshqarish kerak, bu ko'p jihatdan uni tahlil qilish qobiliyati bilan belgilanadi. Tahlil yordamida korxonaning rivojlanish tendentsiyalari o'rganiladi, uning faoliyati natijalarini o'zgartirish omillari o'rganiladi va baholanadi, rejalar va qarorlar shakllantiriladi va asoslanadi, ularning bajarilishi nazorat qilinadi, korxona faoliyati natijalari. faoliyati baholanadi, korxonani rivojlantirishning iqtisodiy strategiyasi ishlab chiqiladi, faoliyat samaradorligini oshirish yo‘llari va zaxiralari aniqlanadi. — Источник: https://serviceproekt.ru/uz/business/dlya-povysheniya-finansovoi-ustoichivosti-predpriyatiya-neobhodimo-puti/ © serviceproekt.ru

Financial stability and ways to improve it

While growing inflation and rising costs of living are key factors, it’s important to realise that financial commitments evolve as we progress in our lives, and our diverse needs such as higher education, leisure, wedding, child-care, starting one’s own venture or even early retirement require financial stability.
The pandemic is a reminder that the need to focus on financial stability is more pressing now than ever before. The challenging year that went by has made people rethink ways to be better prepared for emergencies. Financial stability should be a key milestone for all individuals. It is crucial that one is able to meet all life goals comfortably without any compromises. A financial shield will not only help meet life goals but will also guard individuals and their families against any unforeseen circumstances. Given the ongoing uncertainties, a robust outlook towards financial stability will be instrumental in navigating challenging times.
Balanced financial planning key to financial stability
Over the years, the consciousness towards financial planning has been on the rise as it is a key driver of financial stability. For a long, a majority of Indians usually kept their savings intact in bank accounts or invested in physical assets such as gold and real estate. Lately, the growing awareness about different investment avenues and the smart ways of digital investments has enabled people to invest in stocks, mutual funds, and other market-related avenues for better returns. A balanced portfolio is one that proportionately distributes assets in growth and savings instruments via investments in equities, and fixed income, shares of stocks and risk management products to optimize returns. Such an asset allocation strategy is key to financial stability as it factors in the benefits of each investment instrument.
Financial stability to meet different life stage goals
While growing inflation and rising costs of living are key factors, it’s important to realise that financial commitments evolve as we progress in our lives, and our diverse needs such as higher education, leisure, wedding, child-care, starting one’s own venture or even early retirement require financial stability.
As a first step, it is essential to have clear and defined financial goals for different life stages. Take time out each year to evaluate all your investments and analyse which are the ones bringing in maximum promise for the long term. Your goals will evolve with time and you will need to alter your planning approach for different stages of your life. Depending upon the financial needs such as your child’s education or starting your own venture, these goals will vary from wealth generation to risk mitigation and short term returns to building a retirement corpus.
Simple steps towards strengthening financial stability

Irrespective of where you are in your financial lifecycle, here are some tips that can help you get a better hold of your finances and achieve better stability:

Start early and develop a habit of saving a part of your income consistently every month
Make a monthly budget by evaluating all your expenses and follow a disciplined approach towards spending. Stick to the budget. It is the best way to ensure bills are paid and savings are on track
Avail credit solutions keeping in mind your repayment capacity. Regularly monitor your credit reports to be aware of your financial health
Use your credit cards wisely and ensure payments are done on time
Buy assets that generate income and focus on investments at attractive prices that are likely to appreciate over time
Ensure that your portfolio is balanced with the best asset allocation approach that suits your financial objectives
Prepare a contingency fund outside of your regular savings for unforeseen circumstances, ensuring that savings are never dented
Maintain a good credit score. It will help avail the best credit options at every life stage
People often find it tough to take the first step towards managing their finances. As the famous saying goes, ‘The secret to getting ahead is getting started.’ Today, with technology interventions, it is possible to automate regular payments and set notifications to avoid any late charges. These simple steps can go a long way in future-proofing individuals and improving their financing standing. The last year has taught many to be adaptable and forward-looking. It is time to approach money management holistically from a financial stability point of view to get healthy and sustained returns from a short to long term horizon.


https://www.financialexpress.com