个人以及家庭财务指标“体检”

Price: Free

1,净资产偿付比率:净资产偿付比率=净资产(总资产-负债)/总资产

该比率反映了综合还债能力的高低,能用来判断自己财务状况的风险程度。

例如,小A的净资产为300,000新币,总资产为520,000新币,那么偿付比率为300,000/520,000≈0.58,这意味着即使在经济不景气时,小A也有能力偿付所有的债务。

理论上,该比率应大于0.5。

如偿付比率太低,意味着现在的生活主要靠借钱来维持,一旦债务到期或者收入大幅下降,资产也会随之出现损失,则很可能发生资不抵债的破产迹象。

偿付比率太高,比如接近1,那意味着你可能没有充分利用自己的信用额度。在这种情况下,有必要通过借款来进一步优化其财务结构。

 

2,资产负债率:资产负债率=负债/总资产

资产负债率是反映综合偿债能力的更为常用的比率指标,同样可以判断自己财务状况的风险程度。

该数值控制在0.5以下较为理想。

如果该比率低于0.5,那么由于资产流动性不足而出现财务危机的可能性较小。

如果该项比率大于1,则意味财务状况已趋恶化,从理论上讲已经破产。

 

 

3,负债收入比率:负债收入比率=负债/收入

负债收入比率又称债务偿还收入比率,是衡量财务状况是否良好的重要指标。该比率是某一时期(1个月,1季度或者1年)到期财务本息和收入的比值。

从财务安全的角度看,个人负责比率数值控制在0.35以下,其财务状况属于良好状态。

 

 

4,流动性比率:流动性比率=流动性资产/每月支出

资产的流动性是指资产在未来可能发生价值损失的条件下迅速变现的能力。能迅速变现而不会带来损失的资产,流动性就强;相反,不能迅速变现或是变现的过程中会遭受损失的资产,流动性就弱。

按照一般的经验标准,流动性比率应该是3-6。也就是通常所说的,一个家庭需要保留每月支出3~6倍的现金存款。这样才能保证在遇到变故时,至少有维持3~6个月的生活开支的现金。

其实,流动性比率过高也不好,应该理财收益的提高,财务状况同样也会进入亚健康状态。因此,只要你有固定的收入保障或工作十分稳定,那么流动资产性比率可以维持得较低一些。

 

5,储蓄比率:储蓄比率=盈余/税后收入

储蓄比率是指盈余和收入的比率,它反映了你控制开支和增加净资产的能力。

比如,小A6月的总收入为30176新币,盈余为22343新币,则储蓄比率为22343/30176≈0.74。也就是说,6月除去开支后,小A可以将74%的收入用于增加储蓄或投资。按标准的话,最低是10%。建议单身人士在还没有任何家庭负担的情况下可以调高储蓄比例。

 

6,投资与净资产比率:投资与净资产比率=投资资产/净资产

投资与净资产比率反映了通过投资增加财富以实现其财务目标的能力。

比如,小A的投资资产为235683元,净资产为291420.3元,投资与净资产比率为235683/291420.3≈0.81,这表示我的净资产有一半以上是由投资组成的。

一般认为,将投资与净资产比率保持在0.5以上,才能保证净资产有较为合适的增长率。

 

我们可以通过对资产负债表和收支的统计了解期望实现的消费支出和实际收入、储蓄及投资理财之间的差距。通过对各项财务比率进行分析,可以衡量拥有的资产在偿付债务、流动性和盈利性等方面的能力,同时反映出自己的风险偏好、生活方式和价值取向,从而找出改善财务状况、实现财务目标的方法。

如果您看到这里,欢迎您关注我的公众号,给我点个赞

CONTACT US

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务?(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格,即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策,并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明,特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照,并许可在新加坡共和国境内依据财务顾问法(第110章)和证券与期货交易法(第289章)进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分,鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息(例如,关于海外司法管辖区以外的资金管理或投资咨询服务等信息)。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标,财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品,或达成交易或参与任何特定的投资策略,也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意,不得将这些文件全文或部分发布,传播,复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时,您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策

Scan for Contact Details

Join our newsletter

Subscribe to our newsletter to receive updates on our latest content!

By providing the info below, I confirm that I am the user and/or subscriber of the telephone number(s) and email address provided by me and I consent to receive from Financial Alliance and/or its financial adviser representatives, any marketing, advertising and promotional information organise by Financial Alliance via voice calls, SMS/MMS (text messages) or faxes to my telephone number(s) provided below. I understand I may withdraw any consent I have given at any time by writing in to Financial Alliance Pte Ltd.

Scan for WeChat QR