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🧳 | Nippon Travel Agency reduced capital to 1 million yen


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Travel to Japan, capital reduced to 1 million yen

 
If you write the contents roughly
The equity ratio is 11.5%.
 

Nippon Travel Agency Co., Ltd. announced that it will reduce its capital to 1 million yen.The current capital is 40 billion yen, a decrease of 39 billion yen. August 8 ... → Continue reading

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Capital adequacy ratio

Capital adequacy ratioWhat is (Jikoshihon Hiritsu, equity ratio)?capitalRatio of equity capital (sum of shareholders' equity and valuation / conversion difference, etc.) to

Overview

Balance sheetThe total amount of the "asset section" ofTotal assetsIt represents the current state of property (land, machinery, etc.).On the other hand, the funds that are the source of the property are called capital, and they are called total assets.Total capitalThe total amount matches.

Of the total capitalbankFunds borrowed from others (Debt) Will need to be repaid eventuallyliabilitiesDistinguished as.thisForeign capitalThat is.The remaining capital that does not need to be repaidnet worthThat is.Equity was invested by shareholdersCapital-Surplus-Reserve-Treasury stockEtc.

  • Equity ratio = ((total capital-others' capital) ÷ ​​total assets)× 100
    • * The above formula is simplified as follows.In addition, the capital of others can be interpreted as a liability.
  • Equity ratio = Equity ratio ÷ Total assets x 100
  • Equity ratio = Net assets ÷ Total assets x 100
    • * Strictly speaking, the amount of shareholders' equity differs from net assets.Net assets can be interpreted as equity capital.

Relationship with financial leverage

Financial leverage TheFinancial analysisIt is one of the indicators in the capital adequacy ratioReciprocalIs.It is a numerical value that indicates how many times the total capital including the capital of others is compared with the equity capital, and indicates the size of the capital of others, that is, the amount of debt.About the financial leverage effectLeverageSee section.

Meaning of numbers

As a numerical value,

  • The higher the capital adequacy ratio, the smaller the debt (borrowing)
  • The lower the capital adequacy ratio, the greater the debt (borrowing)

Is often judged.

Therefore, a high capital adequacy ratio is judged to be sound management (strong financial base) because the interest rate on borrowings and the burden of repayment of principal are small and cash flow is easy. ..However, if you cannot make an appropriate investment (business) even though you have excessive capital, you will be in a so-called "capital sleep" state.Ltd.(EspeciallyListingCompany)Investment fundSuch asShareholderからdividendThe pressure to increase may increase.

On the other hand, establishing a company or organization with a small amount of capital and procuring the capital of others with its credit to manage it means that "the capital is being used effectively", and excessive capital is used. Although there is a point that it enables more flexible management than procuring,Declining capital adequacy ratio increases debt (borrowing) ratioIt means (weakened financial base), and legal regulationsexchange rateIf the profits expected in the business plan cannot be obtained due to changes in social and economic conditions such as fluctuations in the financial situation, cash flow will become difficult.Financial institutionIf you can't get help fromBankruptcyOften leads to.

Finance in JapaninsuranceExcluding karmaCapital1,000万円以上の営利法人19,257社の自己資本比率平均は33%である。資本金10億円以上の法人では38.9%、資本金1億円〜10億円で26.2%、資本金1億円以下で27.6%となり、資本金の額が少ないほど自己資本比率も低いという傾向がある[1].

中小企业The average value of is even lower, with capital of 3 million yen or lessManufacturing industry13.1%, with capital of 1 million yen or lessWholesale trade13.2%, capital 5,000 million yen or lessRetail trade7.1%,Service industryIs 16.7%[2].

Regulation of capital adequacy ratio of financial institutions

Financial institutions such as banks that carry out international activitiesTOBased on regulationCapital adequacy ratio regulationHere, it is a condition that the ratio of equity capital calculated by a certain method to the amount of risk calculated by a certain method is maintained at 8%.For more informationBIS regulationPlease refer to the item.

In Japan, the capital adequacy ratio under BIS regulations is applied to banks, etc. that carry out international operations.International standards(Minimum 8%) and applies to banks with domestic business onlyDomestic standardThere are two types (minimum 4%).These two are partly different, such as the handling of valuation gains and losses on securities.[3]It should be noted that the numbers cannot be simply compared.

Related item

footnote

[How to use footnotes]
  1. ^ Ministry of FinanceJune 2006, 6 "Quarterly Report on Corporate Statistics"
  2. ^ Small Business Administration18 "Financial indicators for SMEs"
  3. ^ A consideration on the regulation level in the capital adequacy ratio regulation --Agriculture and Forestry Finance, September 2009 Issue

 

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