Kamar yadda bambancin ya fi girma, zai shafi ragi na ƙayyadadden kudin shiga tunda kasuwannin hada-hadar hannayen jari sun fi fuskantar saurin faduwa. A wannan ma'anar, bambancin alaƙar Spain game da haɗin Jamus a halin yanzu maki 76 ne, wani al'amari da ke fifita saka hannun jari a kasuwar hannun jari ta ƙasa. Kuma wani abu ne wanda ya zama mafi dacewa saboda rashin zaman lafiyar da ya faru a ƙasashe masu nauyin gaske a cikin Tarayyar Turai, kamar yadda yake a takamaiman lamarin Italiya da Spain kanta.
Kudin haɗarin shine ɗayan waɗannan canjin tattalin arziƙin da kowa ke magana akai kuma fewan fahimta. A kowane hali, masu saka hannun jari suna biye da shi sosai saboda yana ba su mara kyau game da niyyar kasuwannin kuɗi. Ba abin mamaki bane, game da ƙarin ribar da saka hannun jari ke bayarwa bisa ƙimar haɗarin da zasu ɗauka. A halin yanzu, ƙimar haɗarin Mutanen Espanya yana cikin matakan maki 76. Amma menene ainihin ma'anar wannan ƙididdigar? Da kyau, yana nuna ƙimar fa'ida tsakanin bashin Spain da Jamusanci. Daidai batun magana shine na Jamusanci saboda shine wanda ke ba da ƙarin tsaro ga masu saka jari don haka ya zama abin koyi ga sauran ƙasashen na Turai.
Ta wannan hanyar, yayin haɗin Jamusanci (bund) zuwa shekaru 10 a halin yanzu yana biya sha'awa kusa da 0,520%, Mutanen Espanya suna yin ta da 1,281%, kuma bambancin sakamakon wannan aikin zai ba da mahimman bayanai na 76 wanda a halin yanzu kusan darajar Spain take. Kudin haɗarin yafi mahimmanci fiye da yadda zaku iya tunani da farko. Ba ma'aunin zafi da sanyio ba ne kawai don haɓaka dabarun saka hannun jari a cikin tsayayyen kudin shiga, amma kuma don buɗewa ko rufe matsayi a cikin kasuwannin hannayen jari. A kowane hali, zai dogara ne da matakin da waɗannan wuraren suka yi alama.
Tasiri kan kasuwar hannun jari
Tasirin farko da zai yi a kan saka hannun jari zai fara ne a cikin matsayin a kasuwar hannun jari. Kodayake farashin haɗarin ba shi da alaƙa da wannan kasuwar, amma abin da ya faru ya fi ban mamaki. Don dalili mai sauqi qananan da matsakaita masu saka jari su fahimta. Yaushe mafi tsananin bambanci (kamar yadda yake a halin yanzu a Sifen) wata alama ce bayyananniya cewa akwai yarda da tattalin arzikin ƙasa. Kuma wannan ra'ayin na kasuwa ana canza shi nan da nan zuwa kasuwar hannun jari, tare da ƙaruwa da yawa a ciki. Kamar dai idan yaɗuwar ta tashi, hakan yana haifar da akasin hakan kuma koyaushe yana da mummunan tasiri ga wannan kasuwa.
Gabaɗaya duk ƙasashe waɗanda ke da bambanci sama da maki 250 da 300 suna da matsaloli masu mahimmanci a cikin ma'aunin hannun jari. Tare da matsin lamba mai karfi sakamakon rashin yarda da kasuwannin hada-hadar kudi saboda raunin tattalin arzikinsu. Bayan ƙarancin ragowa na lokaci-lokaci waɗanda zasu taimaka don gyara matsayi a cikin mawuyacin yanayi don daidaito. Amma a kowane hali, akwai ƙididdigar da ta bayyana sarai kuma wannan shine cewa tunda wannan bambancin ya fi girma to zai yi mummunan tasiri a kasuwannin daidaito.
Tasiri kan tsayayyen kudin shiga
A gefe guda, tasirin sa akan tsayayyen kudin shiga ya ma fi bayyana. Wannan dalili shine saboda cewa idan aka sassauta farashin haɗarin, hakan yana haifar da kwarin gwiwa daga ɓangaren masu saka jari game da ƙimar bashin jama'a. Duk da yake a cikin akasin haka, ƙimar ta hauhawa, farashin bond ya fadi a farashin. Wato, an biya ƙarin riba. Wannan yanayin yana shafar kyakkyawan ɓangare na tsayayyen kuɗin saka hannun jari har ma a cikin samfuran haɗi waɗanda suka dogara da waɗannan kadarorin kuɗi. Zuwa ga cewa a cikin 'yan kwanaki kaɗan sun rasa wani muhimmin ɓangare na ƙimarsu. Lokaci ne daidai lokacin da zai zama dole a sake jujjuya jakar kudaden don hana asarar da aka sanya a cikin bayanin kudin shiga na mahalarta a cikin wadannan kayayyakin kudaden.
Wani yanayin da dole ne a kimanta shi a cikin haɗarin shine gaskiyar cewa bankuna sun yanke shawarar haɓaka yawan kudin jinginar gida da kowane layi na bashi. Duk da yake manyan kayan da aka ƙaddara zuwa adanawa (ajiyar lokaci, bayanan bayar da haraji na banki ko kuma babban asusu) ana iya nutsar dasu cikin ƙarancin riba mai riba fiye da hakan. Kamar dai yadda yake tilastawa gwamnatoci haɓaka harajin su saboda manyan matsalolin da dole jihohi su yiwa kansu kuɗi. Ofaya daga cikin tasirin waɗannan ayyukan shine cewa masu amfani zasu sami lessarfin ƙarfi don adanawa don fuskantar jarin su.
Yadda za a kare saka hannun jari?
A cikin wannan yanayin tattalin arziki, haɓaka abubuwa a cikin kasuwar hannayen jari yana ba da damar rage asara a cikin mafi munin yanayin don kasuwannin kuɗi. Ba tare da wata shakka ba, ɗayan manyan manufofin kowane mai saka jari shine, ƙari ga yi amfani da dukiyar ku ta sirri, kare matsayinsu game da yiwuwar afkuwa a kasuwannin hada-hadar kudi.
Yana da mahimmanci don samar da riba a cikin kasuwar hannun jari kamar yadda yake don kiyaye jarin da aka saka lafiya. A cikin saka hannun jari a cikin daidaito babu wani aikin da za a yi tabbatacce, ba ma iyakance sosai ba. Amma akasin haka, zai dogara ne da abin da kasuwanni ke faɗa. A kowane hali, ta hanyar jerin dabarun saka jari, ana iya cimma burin.
Diversaruwa da yawa a cikin saka hannun jari
Tabbas, ɗayan girke-girke masu mahimmanci don samar da tsaro mafi girma ga saka hannun jari a kasuwar hannun jari yana dogara da mafi girma yaduwa a cikin jakar tsaro. Wato, maimakon zaɓar kamfanin da aka lissafa, yanke shawara mafi kyau shine ƙirƙirar daidaitaccen kwandon hannun jari. Wannan yana nufin wani abu mai sauki kamar kar a maimaita sassa, layuka na kasuwanci ko ma idan zaku iya tara fihirisa. Zai zama dabara mai matukar tasiri kafin bayyanar mafi munin yanayin don daidaito. Zuwa ga cewa za a kauce wa manyan asara cikin daidaito kuma ajiyar masu amfani za ta kasance cikin haɗari a kowane lokaci.
Wani tsarin yana zuwa daga ainihin kayan aikin da kasuwanni ke bayarwa. A wannan yanayin, wakiltar umarnin da aka ambata dakatar da hasara o iyakancewar asara. Kamar yadda sunan ya nuna, zasu hana faduwa daga tashin hankali da gaske. Domin zai kasance mai saka hannun jari ne da kansa zai dakatar da asara dangane da martabar da ya gabatar a matsayin karami da matsakaitan mai saka jari. Wannan dabarar ce mai matukar amfani don kiyaye matsayin ku na hannun jari a ƙarƙashin sarrafawa. Ba a banza ba, zai fi kyau koyaushe barin 3% fiye da 15% a cikin farashin tsaro.
Yi amfani da sauƙi
Tsari na uku wanda zai ba da daidaito ga saka hannun jari shine yin amfani da kayan aikin da aka bayar ta hanyar binciken fasaha don kare kanku daga jujjuyawar kasuwannin kuɗi. A wannan ma'anar, mafi kyawun matakin da masu saka hannun jari zasu iya ɗauka zai fito ne daga buɗe matsayi daga uptrends. Haɗarin yin kuskure zai kasance ƙasa da ƙasa kuma zai zama makami mai ƙarfi sosai don kariya daga yanayin da ba a so wanda ya shafi kasuwar hannun jari. Saboda rashin daidaiton kasuwanni shine ci gaba da hawa.
A gefe guda, tsarin da ba zai taɓa faduwa ba a kasuwar hannayen jari shine buɗe matsayi a cikin amintattun hanyoyin da suka katse juriya na wani girman. Daga cikin wasu dalilai, saboda zai share hanyar zuwa matakan farashi mai girma fiye da da. Ana nuna hakan sha'awar kasuwa game da sayayya ya fi na tallace-tallace. A kowane bangare, ba zai zama da matukar wahala a sa ayyukan su zama masu riba ba, aƙalla idan ana nufin su ga mafi ƙanƙancin lokaci sakamakon yanayin tsaron da ke cikin wannan halin. Inda ba tare da wata shakka ba, adadi mafi fa'ida shi ne wanda ya tashi domin babu sauran wasu matsaloli a kan hanya. Samun gagarumar tafiya zuwa sama tunda babu iyaka saita farashin sa. Yana daga cikin lokutan da yunƙurin sanya dukiyar ta zama mai fa'ida ba za a rasa ta ba tunda haɗarin basu da yawa.
Gano samfuran sassauƙa
Babu ƙarancin mahimmanci shine bincika samfuran sassauƙa wanda zai iya dacewa da sabon yanayin kasuwancin daidaito. Babu matsala cewa wannan dabarun na musamman ba za a iya amfani da shi daga siye da siyar hannun jari akan kasuwar hannun jari ba. Wannan shine kudaden gudanarwar aiki kuma hakan yana ba da damar daidaitawa da kowane irin yanayi, mai ma'ana da ƙarfi. Saboda manajoji suna neman mafi kyawun dukiyar kuɗi, koda kuwa sun fito daga tsayayyen kudin shiga ko kuma daga wasu samfuran. Yana ɗayan zaɓuɓɓuka masu tasiri don fuskantar yanayin yanayin rashin kwanciyar hankali a kasuwannin kuɗi.
Aikace-aikacensa akan kasuwar hannayen jari, a kowane hali, yana da rikitarwa sosai kuma ya haɗa da zaɓar hanyoyin ruwa masu matuqar ba ku damar shiga da fita daga kasuwannin farashin da kuke so. Ba tare da tsoron yin kamu da su ba. Wannan shine, tare da ƙimar farashi a cikin farashin nesa da siyan ku.