Living in society, the provision of livelihoods of which is built on the proposal and demand, we are confronted daily with many products that it is customary to buy for money, which are a universal measure of the value of any product. Between the characteristics, the price of supply, the price of demand and the time of the sale of goods there is a relationship expressed by the term «liquidity".
Term "liquidity" Inherent in each existing product, sometimes it is used in the following combinations «market liquidity "," Liquidity of assets "," enterprise liquidity ", etc. However, its value for everyone is different, i.e. Each product has its own level of liquidity. Over time, the liquidity of goods may vary both in large and in a smaller side, it depends on the set of various factors, for example, the shelf life of goods, seasonality, the richness of the market with similar goods, etc.
- the solvency of the borrower, i.e. his ability to fulfill his obligations to return debt;
- the ability of goods and services to be exchanged for other goods or money without additional discounts;
- the ability of an asset at minimum costs and in the minimum time to be drawn into money;
- the characteristic of the market, reflecting the speed and efficiency of the sale and sale transactions in the minimum price difference and supply price difference;
- the ability of banks to repay obligations on deposits, taking into account loans issued, based on internal bank reserves;
- multification;
- legalizability.
Widespread use of the term «liquidity "makes it possible to deeper to understand the processes of purchase and sale of a variety of products and evaluate their characteristics. Liquidity is a qualitative characteristic, in connection with this, liquidity coefficients provide a qualitative comparison of such categories of goods and others.
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