Készpénzkészletek

Készpénzkészletek refers to the cash and cash equivalents held by a business or an individual. In a business context, it represents the liquid assets readily available to meet short-term obligations, fund operations, and seize unexpected opportunities. These typically include physical currency on hand, funds in checking and savings accounts, and highly liquid, short-term investments that are easily convertible to cash, such as money market accounts or treasury bills with maturities of three months or less.

The management of készpénzkészletek is crucial for financial stability. An adequate level ensures a company can pay its employees, suppliers, and other creditors on time, avoiding late fees or disruptions to operations. It also provides a buffer against unforeseen expenses or revenue shortfalls. However, holding excessive cash can be inefficient, as these funds could potentially be invested in higher-yielding assets or used for growth initiatives. Therefore, businesses aim to strike a balance between liquidity and profitability.

For individuals, készpénzkészletek refers to the money kept readily accessible, such as in a wallet or a readily accessible bank account. This cash is used for everyday transactions and to cover immediate needs. Similar to businesses, individuals must manage their cash reserves to ensure they have enough for immediate expenses without holding so much that it misses out on potential investment growth.