Letlotlo la morao tjena e le pontšo ea katleho ea taolo ea solvency

Tsamaiso ea lichelete le likoloto tsa banka li itšetlehile ka likhopolo tse fapa-fapaneng : khopolo ea likoloto, ho fetisoa, chelete e lebeletsoeng le tse ling. Kaofela ha bona ba na le melemo le melemo ea bona 'me ka mokhoa o hloekileng ha ba finyelle litlhoko tsa ho itloaetsa. Leha ho le joalo, ka ho etsa lintho tse fapaneng tsa thuto, libanka li iketsetsa maikutlo a tsona a ho laola lintho tse hlokang hore li sebetsane le tsona, 'me li atlehe ho li sebelisa.

Hona joale, khetho ea likhokahano tsa tsamaiso ea lichelete e sebelisoang baneng e khethoa ka mekhoa e 'meli: banka e tlameha ho lula e e-na le matlotlo a lekaneng a sesebelisoa kapa e khona ho hohela chelete ka nako leha e le efe ka' marakeng oa lichelete. Libukeng tsa moruo, mokhoa ona o hlalositsoe karolong e arohaneng ea lichelete tsa banka hore e be lihlahisoa-"li-stock" (likhetho tse emeng) le "ho phalla" (metsi a teng hona joale). Ea pele e hlalosa ho lekanngoa ha tekanyo ea tekanyo ea banka ka nako e itseng, ka boikemisetso ba ho finyella boikarabelo bohle ba hona joale ka lebaka la chelete e teng ea metsi. Tsela eo hona joale e sebetsang ka eona e bontša monyetla oa ho fetola thepa e nyenyane ea metsi ho metsi a mangata, ao, hammoho le ho tiisa mehloli e fokolang ea lichelete, e lumella hore ho be le tsamaiso e sebetsang hantle ea maemo a hlahang.

Mokhoa ona oa ho hlahlojoa ha lihlahisoa o khetholla lihlahisoa tsa mekhoa ea hona joale ea tsamaiso ea lichelete, tse ka sehloohong tsa tsona: mekhoa ea ho tsamaisa thepa, matlotlo, thepa le likoloto.

Ea pele ke ho bokella chelete ka mokhoa oa chelete ke banka. Tšebeliso ea leano lena e reriloe pele ke ho ba teng naheng ea maraka a lichelete a tsoetseng pele a nang le litefiso tse tsitsitseng le monyetla oa ho tsosolosa matsete a pele a nang le kotsi e fokolang. Leano la tsamaiso ea boikarabello le thehiloe ka mokitlane oa mekhoa ea ho lefa ha chelete ea hona joale e tlaase. Leano la boraro le finyellang litlhoko tsa mekhoa ea kajeno. E nka hore hona joale chelete e ntse e sebelisoa ho fihlela moo e hlokahalang ho koahela litlhoko tsa morao-rao, 'me, ha ho hlokahala, ho e hohela ka marakeng.

Boemo ba morao-rao, ho sa tsotellehe mekhoa le mekhoa e ka holimo, e sebelisoa ka mokhoa o amohelehang hantle, 'me maano a tsamaiso a iponahatsa a sebetsa ka mokhoa o lekaneng' me a sebelisoa haholo ke libanka tsa morao-rao tsamaisong ea tsamaiso ea lichelete. Leha ho le joalo, boteng ba maemo a mangata a tlhaho bakeng sa kopo ea bona e atlehileng ha e fane ka banka ka botlalo ho sireletseha ha mesebetsi ea eona. Mekhoa ena ea tsamaiso ea lisebelisuoa e khetholloa ka boemo bo tlaase ba ho nepahala, e leng ho lebisang ho lahleheloa ke karolo e kholo ea phaello e ka 'nang ea e-ba teng le boemo boo chelete ea hona joale e fokolang e fokotsehile. Tabeng ena, li ka sebelisoa feela ho rarolla boemo bo se bo hlahile. Leha ho le joalo, tsela e atlehang ea ho sireletsa chelete ea banka ke ho bolela hore ho ka etsahala hore maemo a mabe a eketsehe ka sepheo sa ho nka mehato e sebetsang. Ka lebaka leo, ke habohlokoa karolong ena ho nahana ka pontšo e sebetsang ea lichelete tsa banka hape e le sekhetho-"se boleloang".

Liquidity - "forecast" e khetholloa ka tlhaloso ea maemo a ka khonehang bakeng sa nts'etsopele ea boemo bo botle ba banka matleng a hlahelloang le ho amoheloa ha mehato e mengata ea nako e lekaneng e le ho eketsa molemo ho boemo ba hona joale. Mokhoa oa tsamaiso ea lichelete ka mokhoa ona o itšetlehile ka mokhoa oa mokhoa oa lipalo oa mekhoa e matla le ho ntlafatsa lits'ebetso tse itseng. Mekhoa ena e lumella ho eketsa katleho ea liqeto tsa tsamaiso le ho fana ka boemo bo hlokahalang ba tšireletso.