3-ILOVA. "BANKROTLIKNI BASHORAT QILISH MODELLARI"
1. Altman koeffitsienti (2 faktorial):
Z \u003d -0.3877-1.0736 * (290/690) + 0.0579 * (300/490)
Agar Z \u003d 0 bo'lsa, u holda bankrotlik ehtimoli \u003d 50%
Agar Z\u003e 0 bo'lsa, u holda bankrotlik ehtimoli\u003e 50%
Agar Z<0, то вероятность банкротства < 50%
2. Altman koeffitsienti (5 omil):
Z \u003d 1.2 * ((290-690) / 300) + 1.4 * (f. 2 190) / 300 + 3.3 * ((f. 2 050) / 300) + 0.6 * (narx aktsiyalar / (590 + 690)) + 2 010/300 shakli
Agar Z<1,81 – организация банкрот.
Agar Z\u003e 2.99 bo'lsa - moliyaviy barqaror kompaniya.
Agar Z<=2,99 и Z>\u003d 1.81 - noaniqlik.
3. Taffler modeli
Z \u003d 0,53 * (2 050/690 shakl) + 0,13 * (290 / (690 + 590)) + 0,18 * (690/300) + 0,16 * (2 010/300 shakl) )
Agar Z\u003e 0,3 bo'lsa - moliyaviy barqaror kompaniya
Agar Z<0,2 – организация банкрот.
4. IHEA modeli
R \u003d 8.38 * (290/300) + (2-shakl 190/490) + 0.054 * (2 010/300 shakl) + 0.63 * (2 190-shakl / (2 020 + 030 + shakl) 040 + 070 + 100 + 130))
Agar R< 0 – максимальная (90 – 100%)
Agar R\u003e 0 va R bo'lsa< 0,18 – Высокая (60 - 80%)
Agar R\u003e 0,18 va R bo'lsa< 0,32 – Средняя (35% - 50%)
Agar R\u003e 0,32 va R bo'lsa< 0,42 – Низкая (15% - 20%)
Agar R\u003e 0,42 bo'lsa - Minimal (10% gacha)
4-ILOVA. "KREDIT REYTINGI MODELLARI"
1. "Rossiya Sberbank va uning filiallari 285-R tomonidan yuridik shaxslarga kredit berish qoidalari" asosida korxonaning moliyaviy ahvolini qarz oluvchi sifatida baholash ko'rsatkichlari.
K1 \u003d (260 + 253) / (690-640-650)
K2 \u003d (260 + 250 + 240) / (690-640-650)
K3 \u003d 290 / (690-640-650)
K4 \u003d 490 / (590 + 690-640-650)
K5 \u003d 50 f.2 / 10 f.2
Keyin uning haqiqiy qiymatiga qarab har bir ko'rsatkich uchun toifani belgilashingiz kerak:
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