Xavf ozod darajasiga ko'ra

Understanding Financial Risks for Businesses

Korxonalar uchun moliyaviy risklarni tushunish

It is expensive to build a business from the ground up. At some point in any company's life the business may need to seek outside capital to grow. This need for funding creates a financial risk to both the business and to any investors or stakeholders invested in the company.
Biznesni boshidan qurish qimmatga tushadi. Har qanday kompaniya hayotining bir nuqtasida biznes o'sishi uchun tashqi kapitalni izlashi kerak bo'lishi mumkin. Moliyalashtirishga bo'lgan ehtiyoj biznes uchun ham, kompaniyaga sarmoya kiritgan har qanday investor yoki manfaatdor tomonlar uchun ham moliyaviy xavf tug'diradi.
Credit risk—also known as default risk—is the danger associated with borrowing money. Should the borrower become unable to repay the loan, they will default. Investors affected by credit risk suffer from decreased income from loan repayments, as well as lost principal and interest. Creditors may also experience a rise in costs for collection of the debt.
Kredit riski (shuningdek, defolt riski deb ham ataladi) - bu qarz olish bilan bog'liq xavf. Agar qarz oluvchi qarzni to'lashga qodir bo'lmasa, u qarzni to'lashga majbur bo'ladi. Kredit tavakkalchiligidan zarar ko'rgan investorlar kredit to'lashdan tushgan daromaddan, shuningdek, asosiy qarz va foizlardan mahrum bo'ladi. Kreditorlar, shuningdek, qarzni undirish xarajatlarining oshishiga duch kelishlari mumkin.
When only one or a handful of companies are struggling it is known as a specific risk. This danger, related to a company or small group of companies, includes issues related to capital structure, financial transactions, and exposure to default. The term is typically used to reflect an investor's uncertainty of collecting returns and the accompanying potential for monetary loss.
Faqat bir yoki bir nechta kompaniyalar kurashayotgan bo'lsa, bu o'ziga xos xavf deb nomlanadi. Kompaniya yoki kichik kompaniyalar guruhi bilan bog'liq bo'lgan ushbu xavf kapital tuzilishi, moliyaviy operatsiyalar va defolt bilan bog'liq muammolarni o'z ichiga oladi. Ushbu atama odatda investorning daromadlarni yig'ishdagi noaniqligini va pul yo'qotish ehtimolini aks ettirish uchun ishlatiladi.
Businesses can experience operational risk when they have poor management or flawed financial reasoning. Based on internal factors, this is the risk of failing to succeed in its undertakings.
Korxonalar noto'g'ri boshqaruv yoki noto'g'ri moliyaviy fikrga ega bo'lsa, operatsion riskni boshdan kechirishi mumkin. Ichki omillarga asoslanib, bu o'z majburiyatlarida muvaffaqiyat qozonmaslik xavfi.