{"id":7496,"date":"2025-10-29T10:12:36","date_gmt":"2025-10-29T09:12:36","guid":{"rendered":"https:\/\/www.trusteddecisions.com\/uncategorized-lv\/likviditates-risks-uznemuma-iemesli-sekas-un-riska-ierobezosana\/"},"modified":"2025-11-19T11:26:55","modified_gmt":"2025-11-19T10:26:55","slug":"likviditates-risks-uznemuma-iemesli-sekas-un-riska-ierobezosana","status":"publish","type":"post","link":"https:\/\/www.trusteddecisions.com\/lv\/likviditates-risks-uznemuma-iemesli-sekas-un-riska-ierobezosana\/","title":{"rendered":"Likvidit\u0101tes risks uz\u0146\u0113mum\u0101: Iemesli, sekas un riska ierobe\u017eo\u0161ana"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Svar\u012bg\u0101kie fakti \u012bsum\u0101<\/h2>\n\n<p>Likvidit\u0101tes risks raksturo draudus, ka uz\u0146\u0113mums vai kred\u012btiest\u0101de nesp\u0113s izpild\u012bt savas maks\u0101jumu saist\u012bbas laik\u0101 vai tikai ar zaud\u0113jumiem.<br\/>Tas rodas, ja ien\u0101ko\u0161ie un izejo\u0161ie maks\u0101jumi nesakr\u012bt laika vai apjoma zi\u0146\u0101 &#8211; piem\u0113ram, tirgus trauc\u0113jumu, negaid\u012btu naudas aizpl\u016b\u017eu vai nepareizas likvidit\u0101tes pl\u0101no\u0161anas d\u0113\u013c.<br\/>T\u0101p\u0113c efekt\u012bva likvidit\u0101tes riska p\u0101rvald\u012bba kalpo tam, lai nodro\u0161in\u0101tu, ka vienm\u0113r ir pieejams pietiekams naudas daudzums, kas garant\u0113 finan\u0161u stabilit\u0101ti.<br\/>Prec\u012bza likvidit\u0101tes p\u0101rvald\u012bba, nov\u0113rt\u0113\u0161ana un uzraudz\u012bba ir b\u016btiska uz\u0146\u0113mumiem, \u012bpa\u0161i sv\u0101rst\u012bgu tirgu un stingru regulat\u012bvo pras\u012bbu laik\u0101.<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<style>.cta-container {\n            background-color: #455254;\n            padding: 50px 20px;\n            margin: 50px auto;\n            text-align: center;\n            border-radius: 10px;\n            max-width: 800px;\n            box-sizing: border-box;\n        }\n\n        .cta-title {\n            display: block; 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\/* Gradient-\u00dcbergang von der urspr\u00fcnglichen Farbe zu einer dunkleren *\/\n        }\n\n        @media (max-width: 600px) {\n            .cta-container {\n                padding: 30px 10px;\n                margin: 30px 10px;\n            }\n\n            .cta-title {\n                font-size: 20px;\n                line-height: 30px;\n            }\n\n            .cta-button {\n                padding: 10px 20px;\n            }\n        }\n    <\/style><div class=\"cta-container\"><span class=\"cta-title\">Sie ben\u00f6tigen Unterst\u00fctzung?<\/span><p>Vereinbaren Sie mit uns einen kostenfreien Beratungstermin.<\/p><a href=\"https:\/\/kontakt.trusteddecisions.com\/kontakt\/\" class=\"cta-button\">Beratungstermin vereinbaren<\/a><\/div>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Kas ir likvidit\u0101tes risks?<\/h2>\n\n<p>Likvidit\u0101tes risks raksturo risku, ka uz\u0146\u0113mums nesp\u0113s laikus izpild\u012bt savas maks\u0101jumu saist\u012bbas vai sp\u0113s to izdar\u012bt tikai ar finansi\u0101liem zaud\u0113jumiem.<br\/>Tas rodas, ja uz\u0146\u0113muma ien\u0101ko\u0161ie un izejo\u0161ie maks\u0101jumi nav sinhroniz\u0113ti laika vai apjoma zi\u0146\u0101, piem\u0113ram, ja nenok\u0101rtotie debitoru par\u0101di tiek sa\u0146emti p\u0101r\u0101k v\u0113lu vai \u012bstermi\u0146a saist\u012bbas nevar segt.<\/p>\n\n<p>Praks\u0113 tas noz\u012bm\u0113, ka pat ekonomiski stabili uz\u0146\u0113mumi var non\u0101kt nopietn\u0101s gr\u016bt\u012bb\u0101s, ja likvidit\u0101tes pl\u0101no\u0161ana ir nepiln\u012bga vai neparedz\u0113ti notikumi samazina pieejamos l\u012bdzek\u013cus.<br\/>\u0160\u0101da nel\u012bdzsvarot\u012bba \u0101tri noved pie sastr\u0113gumiem, augst\u0101k\u0101m finans\u0113\u0161anas izmaks\u0101m vai, gal\u0113jos gad\u012bjumos, maks\u0101tnesp\u0113jas.<\/p>\n\n<p>Likvidit\u0101tes riska noz\u012bme p\u0113d\u0113jos gados ir b\u016btiski pieaugusi &#8211; ne tikai bank\u0101s, bet ar\u012b uz\u0146\u0113mumu kontrolling\u0101 un finan\u0161u vad\u012bb\u0101.<br\/>Sistem\u0101tiska likvidit\u0101tes riska p\u0101rvald\u012bba ir b\u016btiska, lai nodro\u0161in\u0101tu stabilit\u0101ti un sp\u0113ju r\u012bkoties, \u012bpa\u0161i tirgus sv\u0101rst\u012bbu, pieg\u0101des \u0137\u0113des probl\u0113mu un augo\u0161u procentu likmju apst\u0101k\u013cos.<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<style>\n  .wussten-sie-schon-box {\n    border-left: 4px solid #D29B2D;\n    background-color: #455254;\n    padding: 1em;\n    margin: 2em 0;\n    font-family: Arial, sans-serif;\n    color: #FFFFFF;\n    width: 100%;\n    box-sizing: border-box;\n  }\n  .wussten-sie-schon-box strong {\n    color: #D29B2D;\n    font-size: 1.3em;\n    display: block;\n    margin-bottom: 0.5em;\n  }\n  .wussten-sie-schon-box ul {\n    margin: 0;\n    padding-left: 1.2em;\n  }\n  .wussten-sie-schon-box li {\n    margin: 0.3em 0;\n    font-size: 1em;\n  }\n  @media screen and (max-width: 600px) {\n    .wussten-sie-schon-box {\n      padding: 0.8em;\n    }\n    .wussten-sie-schon-box strong {\n      font-size: 1.1em;\n    }\n    .wussten-sie-schon-box li {\n      font-size: 0.95em;\n    }\n  }\n<\/style>\n\n<div class=\"wussten-sie-schon-box\" role=\"note\" aria-label=\"Zentrale Begriffe des Liquidit\u00e4tsrisikos\">\n  <strong>Galvenie likvidit\u0101tes riska j\u0113dzieni<\/strong>\n  <ul>\n    <li><b>Likvidit\u0101te:<\/b> uz\u0146\u0113muma sp\u0113ja laikus izpild\u012bt maks\u0101jumu saist\u012bbas.<\/li>\n    <li><b>Termi\u0146u transform\u0101cija<\/b>: akt\u012bvu un saist\u012bbu termi\u0146u starp\u012bba.<\/li>\n    <li><b>Refinans\u0113\u0161anas risks:<\/b> risks, ka turpm\u0101kais finans\u0113jums ir d\u0101rg\u0101ks vai nav pieejams.<\/li>\n    <li><b>Likvidit\u0101tes rezerve:<\/b> \u012bstermi\u0146\u0101 pieejamie l\u012bdzek\u013ci, lai nov\u0113rstu tr\u016bkumus.<\/li>\n    <li><b>Likvidit\u0101tes pl\u0101no\u0161ana:<\/b> sistem\u0101tiska naudas pl\u016bsmu uzskaite un p\u0101rvald\u012bba.<\/li>\n  <\/ul>\n<\/div>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Galvenie likvidit\u0101tes risku c\u0113lo\u0146i<\/h2>\n\n<p>Likvidit\u0101tes risks nerodas nejau\u0161i &#8211; tas ir bilances struktur\u0101l\u0101s nel\u012bdzsvarot\u012bbas, nepareizas pl\u0101no\u0161anas vai neparedz\u0113tu tirgus p\u0101rmai\u0146u rezult\u0101ts.<br\/>Lai jau agr\u012bn\u0101 posm\u0101 izvair\u012btos no likvidit\u0101tes sastr\u0113gumiem, ir b\u016btiski zin\u0101t galvenos c\u0113lo\u0146us un ietekm\u0113jo\u0161os faktorus.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">1. struktur\u0101li c\u0113lo\u0146i bilanc\u0113<\/h3>\n\n<p>Viens no izplat\u012bt\u0101kajiem likvidit\u0101tes riska c\u0113lo\u0146iem ir termi\u0146a transform\u0101cija, t. i., laika starp\u012bba starp maks\u0101jumu saist\u012bbu termi\u0146u saist\u012bbu pus\u0113 un l\u012bdzek\u013cu pieejam\u012bbu akt\u012bvu pus\u0113.<\/p>\n\n<p>Ja ilgtermi\u0146a akt\u012bvi (piem\u0113ram, iek\u0101rtas vai nekustamais \u012bpa\u0161ums) tiek finans\u0113ti ar \u012bstermi\u0146a saist\u012bb\u0101m, rodas risks: maks\u0101jumi j\u0101veic, pirms kapit\u0101ls atkal ir pieejams.<br\/>Tas rada nel\u012bdzsvarot\u012bbu starp kapit\u0101la saist\u012bbu periodiem un refinans\u0113\u0161anas pras\u012bb\u0101m.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">2. operat\u012bvie c\u0113lo\u0146i ikdienas darb\u012bb\u0101<\/h3>\n\n<p>Likvidit\u0101tes riskus var izrais\u012bt ar\u012b operacion\u0101li faktori.<br\/>Tie ir, piem\u0113ram.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>nepietiekama likvidit\u0101tes pl\u0101no\u0161ana vai novecoju\u0161as prognozes,<\/li>\n\n\n\n<li>Naudas pl\u016bsmu un maks\u0101jumu termi\u0146u nepareizi apr\u0113\u0137ini,<\/li>\n\n\n\n<li>Aizkav\u0113ti noguld\u012bjumi vai p\u0113k\u0161\u0146i iz\u0146emumi,<\/li>\n\n\n\n<li>neparedz\u0113ts izmaksu pieaugums vai cenu izmai\u0146as,<\/li>\n\n\n\n<li>Aizdevumu saist\u012bbas, kas tiek izmantotas bez l\u012bdzek\u013cu nodro\u0161in\u0101juma.<\/li>\n<\/ul>\n\n<p>\u012apa\u0161i b\u012bstamas ir situ\u0101cijas, kur\u0101s mijiedarbojas vair\u0101ki faktori, piem\u0113ram, kr\u012bzes laik\u0101, kad vienlaikus netiek veikti maks\u0101jumi un tiek pastiprin\u0101ti refinans\u0113\u0161anas nosac\u012bjumi.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">3. \u0101r\u0113j\u0101 ietekme un tirgus riski<\/h3>\n\n<p>Likvidit\u0101tes riski bie\u017ei rodas tirgus vides izmai\u0146u d\u0113\u013c, piem\u0113ram, \u0161\u0101du iemeslu d\u0113\u013c:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Procentu likmes izmai\u0146as, kas sad\u0101rdzina refinans\u0113\u0161anu,<\/li>\n\n\n\n<li>tirgus trauc\u0113jumi vai svar\u012bgu finans\u0113juma avotu zaud\u0113\u0161ana,<\/li>\n\n\n\n<li>uztic\u012bbas zudums finan\u0161u sektoram (piem\u0113ram, finan\u0161u kr\u012bzes laik\u0101),<\/li>\n\n\n\n<li>vai stingr\u0101kas likvidit\u0101tes pras\u012bbas saist\u012bb\u0101 ar jauniem normat\u012bvajiem regul\u0113jumiem.<\/li>\n<\/ul>\n\n<p>\u0160\u0101di \u0101r\u0113jie satricin\u0101jumi \u012bstermi\u0146\u0101 var rad\u012bt spiedienu pat labi organiz\u0113tiem uz\u0146\u0113mumiem, jo \u012bpa\u0161i, ja tr\u016bkst likvidit\u0101tes rezervju vai nav pietiekami \u0146emti v\u0113r\u0101 riska p\u0101rvald\u012bbas scen\u0101riji.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">4. likvidit\u0101tes riska p\u0101rvald\u012bbas integr\u0101cijas tr\u016bkums<\/h3>\n\n<p>V\u0113l viena probl\u0113ma ir t\u0101, ka likvidit\u0101tes riska p\u0101rvald\u012bba bie\u017ei vien nav sistem\u0101tiski iestr\u0101d\u0101ta visp\u0101r\u0113j\u0101 risku p\u0101rvald\u012bb\u0101.<br\/>. Ja \u0161\u012b saikne nav izveidota, likvidit\u0101te bie\u017ei tiek apl\u016bkota izol\u0113ti &#8211; t\u0101 viet\u0101, lai to uzskat\u012btu par neat\u0146emamu uz\u0146\u0113muma strat\u0113\u0123ijas un finan\u0161u stabilit\u0101tes sast\u0101vda\u013cu.<\/p>\n\n<p>Tikai nep\u0101rtrauktas uzraudz\u012bbas, scen\u0101riju anal\u012bzes un skaidri defin\u0113tu procesu kombin\u0101cija nodro\u0161ina nepiecie\u0161amo dro\u0161\u012bbu, lai atpaz\u012btu riskus un saglab\u0101tu sp\u0113ju r\u012bkoties.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Likvidit\u0101tes risku veidi &#8211; p\u0101rskats<\/h2>\n\n<p>Likvidit\u0101tes risks nav viendab\u012bga par\u0101d\u012bba, bet ietver vair\u0101kus riska veidus, kas b\u016btiski at\u0161\u0137iras gan p\u0113c ietekmes, gan c\u0113lo\u0146a.<br\/>Attiec\u012bb\u0101 uz struktur\u0113tu likvidit\u0101tes riska p\u0101rvald\u012bbu ir b\u016btiski no\u0161\u0137irt \u0161os riska veidus, lai izstr\u0101d\u0101tu m\u0113r\u0137tiec\u012bgus pretpas\u0101kumus un nodro\u0161in\u0101tu finan\u0161u stabilit\u0101ti.<\/p>\n\n<p>B\u016bt\u012bb\u0101 ir tr\u012bs galvenie <strong>riska<\/strong> veidi:<br\/><strong>maks\u0101tnesp\u0113jas risks<\/strong>, <strong>refinans\u0113\u0161anas risks<\/strong> un <strong>tirgus likvidit\u0101tes risks<\/strong>.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">P\u0101rskats: Likvidit\u0101tes risku veidi<\/h3>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<style>\n.responsive-table {\n        width: 100%;\n        max-width: 100%;\n        border-collapse: collapse;\n        margin: 20px 0;\n        overflow-x: auto;\n        display: block;\n        white-space: nowrap;\n    }\n    .responsive-table thead {\n        background-color: #9A6700;\n    }\n    .responsive-table th, .responsive-table td {\n        border: 1px solid #ddd;\n        padding: 10px;\n        text-align: left;\n        vertical-align: top;\n    }\n    .responsive-table th {\n        padding-top: 10px;\n        padding-bottom: 10px;\n        background-color:#9A6700;\n        color: white;\n    }\n    @media screen and (max-width: 600px) {\n        .responsive-table {\n            overflow-x: scroll;\n        }\n    }\n<\/style>\n\n<div class=\"responsive-table\">\n<table>\n  <thead>\n    <tr>\n      <th>Likvidit\u0101tes riska veids<\/th>\n      <th>Defin\u012bcija<\/th>\n      <th>Praktisks piem\u0113rs<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td><b>Maks\u0101tnesp\u0113jas risks<\/b><\/td>\n      <td>Risks, ka uz\u0146\u0113mums vairs nesp\u0113s izpild\u012bt savas maks\u0101jumu saist\u012bbas, kad iest\u0101sies to izpildes termi\u0146\u0161.<\/td>\n      <td>Klients maks\u0101 ar nokav\u0113\u0161anos, bet vair\u0101ku pieg\u0101d\u0101t\u0101ju r\u0113\u0137inu samaksas termi\u0146\u0161 iest\u0101jas vienlaic\u012bgi.<\/td>\n    <\/tr>\n    <tr>\n      <td><b>Refinans\u0113\u0161anas risks<\/b><\/td>\n      <td>Risks, ka eso\u0161ais finans\u0113jums var tikt pagarin\u0101ts tikai ar maz\u0101k izdev\u012bgiem nosac\u012bjumiem vai visp\u0101r netikt pagarin\u0101ts.<\/td>\n      <td>Banka samazina kred\u012btl\u012bnijas, kas sad\u0101rdzina vai padara neiesp\u0113jamu turpm\u0101ko finans\u0113jumu.<\/td>\n    <\/tr>\n    <tr>\n      <td><b>Tirgus likvidit\u0101tes risks<\/b><\/td>\n      <td>Risks, ka akt\u012bvus nevar p\u0101rdot vai var p\u0101rdot tikai ar zaud\u0113jumiem, lai rad\u012btu likvidit\u0101ti.<\/td>\n      <td>Lai veiktu \u012bstermi\u0146a maks\u0101jumus, uz\u0146\u0113mumam tirgus spriedzes period\u0101 ir j\u0101p\u0101rdod v\u0113rtspap\u012bri zem uzskaites v\u0113rt\u012bbas.<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u0160ie tr\u012bs veidi bie\u017ei mijiedarbojas:<br\/>Likvidit\u0101tes tr\u016bkums (maks\u0101tnesp\u0113jas risks) var izrais\u012bt refinans\u0113\u0161anas probl\u0113mas,<br\/>savuk\u0101rt tirgus trauc\u0113jumi apgr\u016btina akt\u012bvu nov\u0113rt\u0113\u0161anu un t\u0101d\u0113j\u0101di v\u0113l vair\u0101k samazina likvidit\u0101tes rezervi.<\/p>\n\n<p>T\u0101p\u0113c katram uz\u0146\u0113mumam regul\u0101ri j\u0101uzrauga savi likvidit\u0101tes parametri, piem\u0113ram, izmantojot likvidit\u0101tes r\u0101d\u012bt\u0101jus, naudas pl\u016bsmas anal\u012bzi un naudas pl\u016bsmas att\u012bst\u012bbas p\u0101rskatus.<br\/>Tikai t\u0101 var laikus konstat\u0113t novirzes un uzs\u0101kt nepiecie\u0161amos pretpas\u0101kumus.<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Likvidit\u0101tes p\u0101rvald\u012bba un uzraudz\u012bba<\/h2>\n\n<p>Efekt\u012bvai likvidit\u0101tes p\u0101rvald\u012bbai ir viens galvenais m\u0113r\u0137is &#8211; nodro\u0161in\u0101t, lai uz\u0146\u0113mums vienm\u0113r var\u0113tu izpild\u012bt savas maks\u0101jumu saist\u012bbas neatkar\u012bgi no tirgus situ\u0101cijas vai kapit\u0101la pieejam\u012bbas.<br\/>Tas prasa ne tikai prec\u012bzu pl\u0101no\u0161anu, bet galvenok\u0101rt past\u0101v\u012bgu maks\u0101jumu pl\u016bsmu un refinans\u0113\u0161anas nosac\u012bjumu uzraudz\u012bbu.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">1. pamats: struktur\u0113ta likvidit\u0101tes pl\u0101no\u0161ana<\/h3>\n\n<p>Viss s\u0101kas ar sistem\u0101tisku ien\u0101ko\u0161o un izejo\u0161o maks\u0101jumu re\u0123istr\u0113\u0161anu.<br\/>Tas ir pamats, lai noteiktu likvidit\u0101tes pras\u012bbas un izlemtu, kad un k\u0101d\u0101 apjom\u0101 l\u012bdzek\u013ci ir j\u0101nodro\u0161ina.<br\/>Ide\u0101l\u0101 gad\u012bjum\u0101 \u0161\u012b pl\u0101no\u0161ana tiek \u012bstenota k\u0101 main\u012bgs process &#8211; citiem v\u0101rdiem sakot, t\u0101 tiek nep\u0101rtraukti kori\u0123\u0113ta, lai nekav\u0113joties \u0146emtu v\u0113r\u0101 izmai\u0146as pas\u016bt\u012bjumos, pieg\u0101d\u0101t\u0101ju nosac\u012bjumos vai refinans\u0113\u0161anas riskos.<\/p>\n\n<p>Uz\u0146\u0113mumi, kas regul\u0101ri nov\u0113rt\u0113 savu likvidit\u0101tes st\u0101vokli \u0161\u0101d\u0101 veid\u0101, var elast\u012bgi rea\u0123\u0113t, ja main\u0101s visp\u0101r\u0113jie apst\u0101k\u013ci vai kapit\u0101la saist\u012bbas.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">2. galvenie r\u0101d\u012bt\u0101ji un agr\u012bn\u0101s br\u012bdin\u0101\u0161anas sist\u0113mas<\/h3>\n\n<p>Past\u0101v\u012bgai likvidit\u0101tes uzraudz\u012bbai izmanto da\u017e\u0101dus likvidit\u0101tes r\u0101d\u012bt\u0101jus.<br\/>Tie \u013cauj \u0101tri nov\u0113rt\u0113t finan\u0161u stabilit\u0101ti:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Likvidit\u0101tes koeficients I (naudas likvidit\u0101te):<\/strong> Naudas un naudas ekvivalentu attiec\u012bba pret \u012bstermi\u0146a saist\u012bb\u0101m<\/li>\n\n\n\n<li><strong>II likvidit\u0101tes pak\u0101pe (ar l\u012bdzek\u013cu iekas\u0113\u0161anu saist\u012bt\u0101 likvidit\u0101te):<\/strong> \u012astermi\u0146a debitoru par\u0101du iek\u013cau\u0161ana<\/li>\n\n\n\n<li><strong>Likvidit\u0101tes koeficients III (ar p\u0101rdo\u0161anu saist\u012bt\u0101 likvidit\u0101te):<\/strong> Apgroz\u0101mo akt\u012bvu kopsummas attiec\u012bba pret \u012bstermi\u0146a saist\u012bb\u0101m<\/li>\n<\/ul>\n\n<p>\u0160ie galvenie r\u0101d\u012bt\u0101ji sniedz agr\u012bnus br\u012bdin\u0101juma sign\u0101lus, ja maks\u0101tsp\u0113ja pasliktin\u0101s, piem\u0113ram, pagarin\u0101tu maks\u0101jumu termi\u0146u, maks\u0101jumu kav\u0113jumu vai negaid\u012btu kapit\u0101la aizpl\u016b\u017eu d\u0113\u013c.<\/p>\n\n<p>Tiek izmantota ar\u012b scen\u0101riju anal\u012bze: t\u0101 simul\u0113 da\u017e\u0101das tirgus vai kr\u012bzes situ\u0101cijas un par\u0101da, k\u0101 t\u0101di parametri k\u0101 procentu likmes, izmaksas vai noguld\u012bjumi ietekm\u0113tu likvidit\u0101ti.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">3. integr\u0101cija likvidit\u0101tes riska p\u0101rvald\u012bb\u0101<\/h3>\n\n<p>Efekt\u012bva likvidit\u0101tes p\u0101rvald\u012bba noz\u012bm\u0113 ne tikai kontroli, bet ar\u012b prevent\u012bvu p\u0101rvald\u012bbu.<br\/>Tas noz\u012bm\u0113, ka likvidit\u0101tes riski ir iestr\u0101d\u0101ti uz\u0146\u0113muma visp\u0101r\u0113j\u0101 riska strat\u0113\u0123ij\u0101 &#8211; cie\u0161\u0101 saist\u012bb\u0101 ar finan\u0161u pl\u0101no\u0161anu, kasi un kontroli.<\/p>\n\n<p>Ir defin\u0113ta labi p\u0101rdom\u0101ta sist\u0113ma (politika):<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Atbild\u012bbas (piem\u0113ram, starp kasi, kontroli, vad\u012bbu),<\/li>\n\n\n\n<li>Zi\u0146o\u0161anas kan\u0101li un eskal\u0101cijas procesi,<\/li>\n\n\n\n<li>V\u0113rt\u0113\u0161anas krit\u0113riji un l\u0113mumu pie\u0146em\u0161anas ierobe\u017eojumi.<\/li>\n<\/ul>\n\n<p>T\u0101d\u0113j\u0101di tiek izveidota sl\u0113gta sist\u0113ma, kas sedz gan \u012bstermi\u0146a sastr\u0113gumus, gan ilgtermi\u0146a refinans\u0113\u0161anas riskus un nodro\u0161ina uz\u0146\u0113muma finansi\u0101lo stabilit\u0101ti un pa\u0161u kapit\u0101la b\u0101zi ilgtermi\u0146\u0101.<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Riska samazin\u0101\u0161anas pas\u0101kumi<\/h2>\n\n<p>Efekt\u012bva likvidit\u0101tes riska p\u0101rvald\u012bba nebeidzas ar anal\u012bzi, bet s\u0101kas ar t\u0101s \u012bsteno\u0161anu.<br\/>M\u0113r\u0137is ir nodro\u0161in\u0101t likvidit\u0101tes pras\u012bbas visos scen\u0101rijos &#8211; nesaistot p\u0101rm\u0113r\u012bgu kapit\u0101lu un pietiekami elast\u012bgi, lai var\u0113tu rea\u0123\u0113t uz tirgus izmai\u0146\u0101m.<br\/>Uz\u0146\u0113mumu r\u012bc\u012bb\u0101 ir da\u017e\u0101das sviras, kas sevi ir pier\u0101d\u012bju\u0161as praks\u0113.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">1. strat\u0113\u0123isk\u0101s likvidit\u0101tes rezerves izveide<\/h3>\n\n<p>Svar\u012bg\u0101kais aizsargmeh\u0101nisms ir stabila likvidit\u0101tes rezerve.<br\/>T\u0101 kalpo k\u0101 buferis neparedz\u0113tiem gad\u012bjumiem &#8211; piem\u0113ram, ien\u0101ko\u0161o maks\u0101jumu kav\u0113jumiem vai \u012bstermi\u0146a refinans\u0113\u0161anas sastr\u0113gumiem.<br\/>Rezerves apm\u0113ru parasti nosaka, pamatojoties uz scen\u0101riju anal\u012bzi, lai nodro\u0161in\u0101tu, ka pietiekams l\u012bdzek\u013cu apjoms ir pieejams ar\u012b tirgus sv\u0101rst\u012bbu gad\u012bjum\u0101.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">2. finans\u0113juma avotu da\u017e\u0101do\u0161ana<\/h3>\n\n<p>Pla\u0161a finans\u0113juma b\u0101ze samazina atkar\u012bbu no atsevi\u0161\u0137\u0101m kred\u012btiest\u0101d\u0113m vai kapit\u0101la tirgiem.<br\/>Uz\u0146\u0113mumiem b\u016btu j\u0101apvieno da\u017e\u0101di avoti &#8211; piem\u0113ram, overdrafta iesp\u0113jas, aizdevumi ar vekse\u013ciem, oblig\u0101cijas vai alternat\u012bvi finans\u0113\u0161anas instrumenti -, lai nodro\u0161in\u0101tu stabilu likvidit\u0101tes strukt\u016bru.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">3. kapit\u0101la saist\u012bbu optimiz\u0101cija<\/h3>\n\n<p>Galvenais likvidit\u0101tes riska samazin\u0101\u0161anas faktors ir apgroz\u0101m\u0101 kapit\u0101la p\u0101rvald\u012bba.<br\/>M\u0113r\u0137tiec\u012bga debitoru par\u0101du, saist\u012bbu un kr\u0101jumu p\u0101rvald\u012bba var atbr\u012bvot likvidit\u0101ti,<br\/>neierobe\u017eojot darb\u012bbas rezult\u0101tus.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">4. digit\u0101lo r\u012bku un agr\u012bn\u0101s br\u012bdin\u0101\u0161anas sist\u0113mu izmanto\u0161ana.<\/h3>\n\n<p>M\u016bsdien\u012bga likvidit\u0101tes p\u0101rvald\u012bbas programmat\u016bra \u013cauj uzraudz\u012bt ien\u0101ko\u0161os un izejo\u0161os maks\u0101jumus re\u0101llaik\u0101 un savlaic\u012bgi atpaz\u012bt novirzes.<br\/>Digit\u0101ls risin\u0101jums ir b\u016btisks uz\u0146\u0113mumiem ar vair\u0101k\u0101m uz\u0146\u0113m\u0113jdarb\u012bbas strukt\u016brvien\u012bb\u0101m vai starptautisk\u0101m maks\u0101jumu pl\u016bsm\u0101m, lai saglab\u0101tu p\u0101rskatu.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">5. uz scen\u0101rijiem balst\u012bta pl\u0101no\u0161ana un regul\u0101ras p\u0101rbaudes<\/h3>\n\n<p>Profesion\u0101las p\u0101rvald\u012bbas galven\u0101 sast\u0101vda\u013ca ir alternat\u012bvu scen\u0101riju simul\u0101cija.<br\/>Regul\u0101ri stresa testi, piem\u0113ram, procentu likmju izmai\u0146u, p\u0101rdo\u0161anas apjoma samazin\u0101\u0161an\u0101s vai pieg\u0101des \u0137\u0113des trauc\u0113jumu gad\u012bjum\u0101,<br\/>atkl\u0101j, cik stabila paties\u012bb\u0101 ir pa\u0161reiz\u0113j\u0101 likvidit\u0101tes situ\u0101cija.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<style>\n  .wussten-sie-schon-box {\n    border-left: 4px solid #D29B2D;\n    background-color: #455254;\n    padding: 1em 1.2em;\n    margin: 2em 0;\n    font-family: Arial, sans-serif;\n    color: #FFFFFF;\n    width: 100%;\n    box-sizing: border-box;\n    line-height: 1.5;\n  }\n  .wussten-sie-schon-box strong {\n    color: #D29B2D;\n    font-size: 1.3em;\n    display: block;\n    margin-bottom: 0.6em;\n  }\n  .wussten-sie-schon-box p {\n    margin: 0.6em 0;\n    font-size: 1em;\n  }\n  @media screen and (max-width: 600px) {\n    .wussten-sie-schon-box {\n      padding: 0.8em 1em;\n    }\n    .wussten-sie-schon-box strong {\n      font-size: 1.1em;\n    }\n    .wussten-sie-schon-box p {\n      font-size: 0.95em;\n    }\n  }\n<\/style>\n\n<div class=\"wussten-sie-schon-box\" role=\"note\" aria-label=\"5 bew\u00e4hrte Ma\u00dfnahmen zur Sicherung der Zahlungsf\u00e4higkeit\">\n  <strong>5 p\u0101rbaud\u012bti pas\u0101kumi maks\u0101tsp\u0113jas nodro\u0161in\u0101\u0161anai<\/strong>\n  <p><b>1. veidot likvidit\u0101tes rezervi:<\/b> Tur\u0113t \u012bstermi\u0146\u0101 pieejamus l\u012bdzek\u013cus k\u0101 dro\u0161\u012bbas rezervi.<\/p>\n  <p><b>2. da\u017e\u0101dot finans\u0113juma avotus:<\/b> Palielin\u0101t neatkar\u012bbu no atsevi\u0161\u0137iem aizdev\u0113jiem.<\/p>\n  <p><b>3. kontrol\u0113t kapit\u0101la saist\u012bbas:<\/b> m\u0113r\u0137tiec\u012bga debitoru par\u0101du un kr\u0101jumu p\u0101rvald\u012bbas optimiz\u0101cija.<\/p>\n  <p><b>4. izmantot digit\u0101los r\u012bkus:<\/b> \u012astenot maks\u0101jumu pl\u016bsmu uzraudz\u012bbu re\u0101llaik\u0101.<\/p>\n  <p><b>5. veikt stresa testus:<\/b> Simul\u0113t ekstr\u0113mus scen\u0101rijus, lai p\u0101rbaud\u012btu notur\u012bbu.<\/p>\n<\/div>\n\n<div style=\"height:80px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Bie\u017e\u0101k uzdotie jaut\u0101jumi:<\/h2>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">1 Ko noz\u012bm\u0113 likvidit\u0101tes risks?<\/h3>\n\n<p>Likvidit\u0101tes risks ir risks, ka uz\u0146\u0113mums nesp\u0113s laikus izpild\u012bt savas maks\u0101jumu saist\u012bbas.<br\/>To parasti izraisa ien\u0101ko\u0161o un izejo\u0161o maks\u0101jumu laika at\u0161\u0137ir\u012bbas, neparedz\u0113ta kapit\u0101la aizpl\u016b\u0161ana vai nepareizi pl\u0101no\u0161anas pie\u0146\u0113mumi.<br\/>\u0160is risks var rasties pat ekonomiski stabilos uz\u0146\u0113mumos, un \u0101rk\u0101rt\u0113jos gad\u012bjumos tas apdraud to past\u0101v\u0113\u0161anu un kred\u012btsp\u0113ju.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">2. K\u0101di galvenie r\u0101d\u012bt\u0101ji pal\u012bdz p\u0101rvald\u012bt likvidit\u0101tes risku?<\/h3>\n\n<p>Likvidit\u0101tes r\u0101d\u012bt\u0101ji I-III, naudas pl\u016bsmas anal\u012bze un likvidit\u0101tes att\u012bst\u012bbas p\u0101rskati galvenok\u0101rt tiek izmantoti, lai uzraudz\u012btu likvidit\u0101tes un refinans\u0113\u0161anas riskus.<br\/>\u0160ie r\u0101d\u012bt\u0101ji par\u0101da, cik liel\u0101 m\u0113r\u0101 tiek segtas \u012bstermi\u0146a saist\u012bbas un cik efekt\u012bvi tiek p\u0101rvald\u012btas naudas pl\u016bsmas.<br\/>Kop\u0101 ar scen\u0101riju anal\u012bzi tie sniedz re\u0101lu priek\u0161statu par pa\u0161reiz\u0113jo un n\u0101kotnes finan\u0161u st\u0101vokli.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">3. K\u0101 samazin\u0101t likvidit\u0101tes risku uz\u0146\u0113mum\u0101?<\/h3>\n\n<p>Galvenie pas\u0101kumi ietver likvidit\u0101tes rezerves veido\u0161anu, finans\u0113juma avotu da\u017e\u0101do\u0161anu un nep\u0101rtrauktu likvidit\u0101tes pl\u0101no\u0161anu.<br\/>M\u016bsdienu uz\u0146\u0113mumi izmanto ar\u012b digit\u0101l\u0101s likvidit\u0101tes p\u0101rvald\u012bbas sist\u0113mas, kas re\u0101llaik\u0101 uzrauga naudas pl\u016bsmas un sniedz br\u012bdin\u0101juma sign\u0101lus novir\u017eu gad\u012bjum\u0101.<br\/>Tas \u013cauj tiem savlaic\u012bgi rea\u0123\u0113t un saglab\u0101t sp\u0113ju r\u012bkoties.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">4. K\u0101da noz\u012bme likvidit\u0101tes riska p\u0101rvald\u012bbai ir uz\u0146\u0113muma stabilit\u0101tei?<\/h3>\n\n<p>Profesion\u0101la likvidit\u0101tes riska p\u0101rvald\u012bba ne tikai pasarg\u0101 no sastr\u0113gumiem, bet ar\u012b ilgtermi\u0146\u0101 stiprina pa\u0161u kapit\u0101la b\u0101zi un investoru, banku un dar\u012bjumu partneru uztic\u012bbu.<br\/>Tas \u013cauj uz\u0146\u0113mumam darboties stabili pat sv\u0101rst\u012bgos tirgus posmos, samazin\u0101t finans\u0113\u0161anas izmaksas un pie\u0146emt strat\u0113\u0123iskus l\u0113mumus uz uzticama pamata.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Svar\u012bg\u0101kie fakti \u012bsum\u0101 Likvidit\u0101tes risks raksturo draudus, ka uz\u0146\u0113mums vai kred\u012btiest\u0101de nesp\u0113s izpild\u012bt savas maks\u0101jumu saist\u012bbas laik\u0101 vai tikai ar<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":2,"featured_media":7489,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-7496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.trusteddecisions.com\/lv\/wp-json\/wp\/v2\/posts\/7496","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.trusteddecisions.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.trusteddecisions.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.trusteddecisions.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.trusteddecisions.com\/lv\/wp-json\/wp\/v2\/comments?post=7496"}],"version-history":[{"count":1,"href":"https:\/\/www.trusteddecisions.com\/lv\/wp-json\/wp\/v2\/posts\/7496\/revisions"}],"predecessor-version":[{"id":7497,"href":"https:\/\/www.trusteddecisions.com\/lv\/wp-json\/wp\/v2\/posts\/7496\/revisions\/7497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.trusteddecisions.com\/lv\/wp-json\/wp\/v2\/media\/7489"}],"wp:attachment":[{"href":"https:\/\/www.trusteddecisions.com\/lv\/wp-json\/wp\/v2\/media?parent=7496"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.trusteddecisions.com\/lv\/wp-json\/wp\/v2\/categories?post=7496"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.trusteddecisions.com\/lv\/wp-json\/wp\/v2\/tags?post=7496"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}