maksuvalmiusriskiä

Maksuvalmiusriskiä, or solvency risk, refers to the risk that a company or financial institution may not be able to meet its long-term financial obligations. This risk arises when the assets of the entity are insufficient to cover its liabilities, leading to potential insolvency. Solvency risk is a critical concern for businesses, particularly those with significant debt or those operating in volatile markets. It can be influenced by various factors, including economic conditions, changes in interest rates, and fluctuations in asset values. To mitigate solvency risk, companies often implement financial planning, maintain adequate reserves, and monitor their financial health regularly. Effective risk management strategies, such as diversifying investments and securing credit facilities, can also help in reducing the likelihood of solvency issues. Understanding and addressing solvency risk is essential for maintaining financial stability and ensuring long-term sustainability.