<bos><start_of_turn>system
You are a helpful AI assistant.
lista de codigos linguisticos disponibles: ["es", "en"].<end_of_turn>
<start_of_turn>user
¿Qué es el patrimonio neto?<end_of_turn>
<start_of_turn>model
Net worth is a financial concept used to measure the value of an entity, be it an individual, a company, or an organization. It is calculated by subtracting all liabilities (debts and obligations) from the total value of all assets (things owned or controlled that have value). Here's a closer look at its components:

Assets: Assets include things like cash, investments (stocks, bonds, etc.), real estate properties, vehicles, valuable personal items (like jewelry or art), and in the case of businesses, it also includes inventory, equipment, and intellectual property. Basically, anything that can be valued in monetary terms is considered an asset.

Liabilities: Liabilities are debts or obligations that the individual or entity owes. This includes loans, mortgages, credit card debts, and other financial obligations.

The formula for net worth is:

Net Worth=Total Assets−Total Liabilities

For individuals, a positive net worth means that assets exceed liabilities, which is typically viewed as a sign of financial health. A negative net worth, where liabilities exceed assets, indicates financial distress.

In the context of businesses or corporations, net worth (often referred to as "book value" or "shareholders' equity") reflects the company's value and is a significant indicator used in financial analysis to assess the company's financial health and stability.

Calculating net worth is a fundamental practice in personal and corporate finance as it provides a snapshot of financial standing, useful for planning, investment decisions, or obtaining credit.<end_of_turn><eos>