Texas Ratio

Mari yako yakasimba sei? Iyi Fomu Inobatsira kuti Uwane

Pane zvikonzero zvakawanda zvakanaka zvekudzivirira mabhengi ayo angangokundikana. Kutanga, mari yako inogona kuva pangozi kana iwe uri kunze kwekuvhara kwe FDIC . Asi kukanganisa kwebhangi kunewo kusakanganisika . Saka iwe unogona sei kufanotaura kuti mabhangi ari papi yechando? Iwe hauzombozivi nezvechokwadi, asi iwe unogona kutarisa mirefu mutsvuku uye unonamatira kumabhangi akasimba.

Bhizinesi re Texas Ratio chiratidzo chimwe chete chinokubatsira kuti uone kuti bhanjhini inokuvadza sei, uye inogona kukupa kunyeverwa kwebhangi yakaita zvirongwa zvakashata (pasina kukwanisa kubhadhara kurasikirwa kukuru).

Texas Ratio Formula

Kuti uverenge Texas Ratio, iganise mari yebhangi yezvakaipa nezvinhu zviripo kuvhara kurasikirwa. Kunyanya kunyanya:

• Gurai zvinhu zvisina kuchinja zvigadziriswa nezvinoonekwa zvakajeka kuenzanisa uye chikwereti-kurasikirwa zviwanikwa .

Zvinhu zvisina kukodzera zvinosanganisira zvikwereti zvisingagoneki uye zvivako izvo bhangi razvitora kuburikidza nekufambisa. Izvo zvinhu zviri njodzi dzinogona kuva mari yekubhadheni. Zvisinei, zvimwe zvikwereti zvinogona kuva zvikwereti zvinotsigirwa nehurumende, uye bhangi ichadzorerwa kana zvikwereti izvi zvisingachaiti. Paunenge uchitora zvako, iva nechokwadi chekuparadzanisa zvikwereti zvakabudiswa pasi pehurumende .

Zvadaro, iwe unoda kuziva kuti nyore sei bhangi inogona kutora mari iyo. Paunenge uchiverenga kuoneka kwechokwadi, iva nechokwadi chekubvisa zvinhu zvisingaonekwi sekutenderera - sezvo bhanhire risingagoni kunyora cheki kubva pa "goodwill" account kubhadhara chikwereti.

Bhangi rine Texas Ratio yakanyanya - kunyanya kana chiyero ichi kusvika 1 kana 100% - inotyisa kupfuura bhangi rine pasi reRatio Ratio.

Muenzaniso: funga bhangi ine zvinhu zvisina kufanira zve $ 90 mabhiriyoni, uye kuonekwa kwakafanana kwechikwata pamwe nekukwereta-kurasikirwa kwemari ye $ 100 mabhiriyoni. Gurai $ 90 mabhiriyoni mu $ 100 mabhiriyoni kuitira chikonzero che .9 kana 90%. Izvi zvakanyanyisa, uye bhangi inofanira kushandiswa chete nokungwarira (somuenzaniso, kana chiyero chiri kuderera zvakajeka, uri kugara pasi pemiganhu yekuvhara kwe FDIC, uye iwe unoziva kuti pane chirongwa chakasimba munzvimbo kuti uwedzere kuderedza chiyero) .

Kana iwe usingadi pfungwa yekuverenga chiyero iwe pachako - yeuka kuti iwe uchazochera kuburikidza nekuisa zvikwereti uye kuparadzanisa kunze kwehurumende-yakabhadharwa chikwereti - ona kana mumwe munhu atoita basa racho kwauri. Mawebhusayithi akawanda anotumira kuTexist Ratios (kana kuti mazita emabhangi ane akakwirira uye akaderera kupfuura mamwe ose, anogona kukupa ruzivo rwakakwana kuti uite chisarudzo).

Kushandisa Texas Ratio

ITexas Ratio inobatsira, asi hapana chiratidzo chimwe chete chakakwana. Mabhandi anogona uye anoramba achigadzirisa nepamusoro, uye mabhegi akanaka dzimwe nguva anoipa (naizvozvo zvakakosha kutarisa utungamiri pamwe nehuwandu hwehuwandu hwebhangi rako). Mukuwedzera kuTexas Ratio, dzimwe nzira dzakawanda dzinoverengeka dziripo:

• Bankrate inoratidzira A Safe and Sound Rating
• BauerFinancial inogadzira Nhamba dzeNyeredzi

Iwe unogonawo kuwana ruzivo mumabanki emunzvimbo uye zvikwereti zvekwereti nekuverenga nyaya. Kuchinja kwevashandi uye kuonekwazve mumusoro kunofanira kusimudzira kusafungirwa.

Zvechokwadi, zvinobatsirawo kutarisa mabhizinesi ekugadzirwa kwezvibereko:

• Kana bhizinesi risina kukwana, rinogona kureva kuti haringakwanisi kubhadhara mari yakawanda yezvikwereti pane mari yekuchengetedza (kana kupa zvikwereti zvakaderera kune zvikwereti) - saka sei urege kushandura mabhengi zvakadaro?
• Kana bhizinesi richiona rakanyanya kunaka kuti rive rechokwadi, zvingave zviri kutora mungozi yakawanda mukuedza kwakaoma kukwezva mari nokukurumidza

Nei Texas?

Muma1980, nyika yeTexas yakasangana nehupfumi hwezvemari inowanzoshandiswa nesimba. Sezvakaitika nguva dzose, bato racho rakapera nokukurumidza. Mabhengi akabatsira mari yekubhadhara mari, uye ivo havana kugara vachiripira kana zvinhu zvikaputika. Kunyange zvazvo mabhanga mune dzimwe nyika akatarisana nemigumisiro yakafanana, Texas yaive inoshamisa: maererano neThe Federal Reserve Bank yeDallas, "hurumende yakatungamirira nyika mumabhanki kukundikana gore negore kubva muna 1986 kusvika muna 1992." Gerard Cassidy akabva atanga kuverenga uye akagadzira mutsara wekuti " Texas Ratio. "

Texas yakawana rap yakaipa nekuda kwenguva: iyo chiyero chakaumbwa munguva yemafuta. Dzimwe nzvimbo dzakaona dzidzo dzavo dzekubhadhara mabhengi.