1, balance ratio;
It is the ratio of customers' balance to income in a certain period (usually one year), which mainly reflects customers' ability to improve their net assets.
Balance ratio = balance/after-tax income
Monthly balance rate = (monthly income-monthly expenditure)/monthly income, reference value: 0. 1.
2. Net assets investment ratio
It is the ratio of investment assets to net assets, reflecting the ability of customers to increase the scale of net assets through investment.
Ratio of investment to net assets = investment assets/net assets
In addition to the balance of payments, investment income is another important way to improve the level of net assets, even the main way.
3. Liquidation ratio
It is the ratio of customers' net assets to total assets, reflecting the level of customers' comprehensive solvency.
Liquidation ratio = net assets/total assets
Generally speaking, it should be higher than 0.5.
4. Debt ratio
It is the ratio of total liabilities to total assets and measures the comprehensive solvency of customers.
Debt ratio = total liabilities/total assets
It should be controlled below 0.5.
5. Pay-as-you-go ratio
Reflect the customer's ability to repay debts with assets that can be realized at any time.
Pay-as-you-go ratio = current assets/total liabilities
This indicator should be kept at around 0.7.
6. Debt-to-income ratio
It is the ratio of the principal and interest of the debt due to be paid to the income of the same period.
Debt-income ratio = debt/after-tax income
0.4 is the critical point of debt-to-income ratio.
7. Current ratio
Reflect the strength of customers' spending power.
Current ratio = current assets/monthly expenditure
The current ratio should be kept at around 3.
8. Consumption ratio
Consumption proportion = monthly expenditure/monthly income * 100%. This indicator mainly reflects whether the family's financial income and expenditure are reasonable, especially for many "moonlight families". From the perspective of saving money and managing finances, of course, the smaller the proportion, the better. However, modern people don't advocate "moonlight" and can't just save money without spending. They can earn and spend, and control this ratio at 40% to 60%, giving consideration to saving money and enjoying life. This is the real scientific financial management.
9. Savings rate
Savings ratio = (monthly income-monthly expenditure)/monthly income * 100%. This index reflects the family's ability to control expenditure and increase net assets. This index is influenced by many factors, and the best value should be determined according to the actual situation of the family. Generally, this ratio is controlled at 40%. For these savings, we can achieve various financial goals of future families through reasonable investment.
10, emergency reserve multiple
Emergency reserve multiple = current assets (cash+financial account+virtual account)/average expenditure amount in the last three months * 100%. Generally speaking, the emergency reserve ratio is not less than 3, which means that the current assets can meet the expenses in the next three months. For families with guaranteed income or stable jobs, the multiple of emergency reserve can be lower, that is, current assets can be invested in markets with higher returns.