Kudin haɗari shine ɗayan mahimman sigogi don ƙaddara canjin kasuwannin hannayen jari. Ba abin mamaki bane, masu saka jari suna duban shi kowace rana don yanke shawarar da zasu yanke don samun riba ta su riba. Koyaya, da farko zai zama dole a san menene ainihin ma'anar ma'anar tattalin arzikin a zahiri. Da kyau, ƙimar haɗari shine farkon duk wannan bambanci tsakanin sha'awa ana buƙatar hakan zuwa bashin da wata ƙasa ke bayarwa wanda kadarorinta ke da haɗari sosai idan aka kwatanta da wani mai haɗari.
A kowane hali, kuma don fahimtar ainihin ma'anar sa, dole ne ku sani cewa wannan nau'in kyauta shine sananne tsakanin ɓangare mai kyau na masu saka jari kamar hadarin daga wata ƙasa. Saboda a zahiri, babu wani abu karami kuma ba wani abu wanda yake auna kasadar da al'umma zata iya shiga ciki, ko yaya zata kasance. Kuma ya kasance sananne sosai ga abubuwan da suka faru cewa ya ci gaba yayin rikicin tattalin arziki na kwanan nan, inda a kowace rana abu na farko da duk masu shiga tsakani na kudi suka yi shine don tabbatar da menene ƙimar haɗari a Spain. Saboda da yawa, kuma ya dogara da jujjuyawar sa, kasuwar hannayen jari ta faɗi ko tashi da ƙarfi ko ƙari.
Ofaya daga cikin maɓallan haɗarin haɗari shine yadda ake aiwatar da lissafinsa, tunda wani lokacin yana haifar da matsala mara kyau don isa zuwa ƙimar wannan mahimman bayanan tattalin arziƙin. Da kyau, darajar haɗarin Mutanen Espanya, kamar ta kowace ƙasa a cikin yanayin mu, lasafta ta cire ragin da aka biya akan sharuɗɗa na shekaru goma Mutanen Espanya da aka biya akan bashin Jamusanci bisa tushen asali. Domin a zahiri, wannan haɗin Jamusanci shine batun ishara don ƙayyade matakin matakinsa a kowane lokaci. Tare da tasiri daban daban, gwargwadon canjin sa.
Haɗa zuwa bashin Jamusanci
Don tantance ƙimar haɗarin, yana da matukar muhimmanci a tuna cewa ba kawai raunin ƙididdigar bashin Mutanen Espanya ya ƙidaya ba, har ma da ƙarfin bashin na Jamus. A cikin wannan aikin, akwai kuɗi da yawa waɗanda ke wucewa daga hannu kuma nasara da yawa. Yana daga cikin lamuran da zasu kawo a wannan labarin. Domin zai iya taimaka muku ɗaukar matsayi a ɗaya ko wata kadarar kuɗi. Har zuwa cewa zaka iya samun kuɗi mai yawa, amma saboda dalilai ɗaya, ya bar maka kuɗin euro fiye da kima akan hanya. Haraji ne wanda dole ne a biya shi ga darajar haɗarin ƙasa, a wannan yanayin Spain.
A cikin wannan yanayin gabaɗaya, ƙimar haɗari an jera shi a kasuwannin kuɗi kamar dai yana da dukiyar kuɗi tunda a ƙarshen ranar tana. Tare da bambancin yau da kullun kowace rana kuma wannan a ƙarshen ƙayyade fa'idodin saka hannun jari. A wannan ma'anar, tana wakiltar fa'ida mafi girma ga mai saka jari a musayar don ɗaukar babban haɗari. Kamar yadda zaku gani, kalmar haɗari koyaushe tana cikin dukkan ayyukansu, kamar yadda a gefe guda yana da ma'ana don fahimta. Kuma ta wata hanya, an shigar da ita a cikin ƙamus na kyakkyawan ɓangare na ƙanana da matsakaita masu saka jari. Ta wata hanyar ko wata, kamar yadda yake na dabi'a kuma in ba haka ba za'a iya fahimta.
Kyakkyawan haɗari: matakansa
A wannan lokacin zai zama wajibi ne gaba ɗaya don sanin dalilin da yasa ƙimar haɗarin take a matakin ɗaya ko wata. Da kyau, idan aka ce ƙimar haɗari a cikin Spain ta kasance a matakan maki 100, yana nufin cewa babu haɗari ga tattalin arzikin ƙasa. A takaice dai, yanayi ne mai matukar fa'ida ga ayyukan tattalin arziki. Tare da bayyananniyar tasiri a kan kasuwannin daidaito ta hanyar fifita musayar hannayen jari ci gaba da cigaba sakamakon wannan ganewar asali. Inda aka sanya sayayya tare da cikakken tsabta akan tallace-tallace. Tabbas labara ne wanda duk masu shiga tsakani na tattalin arziki suka karɓa sosai kuma masu saka jari baza su kasance a cikinsu ba.
Akasin haka, lokacin da farashin haɗari ya kasance ba shi da iko, kamar sama da tushen tushen 400, yana da maɓallin ma'ana kwata-kwata. Gaskiya sakamakon gaskiyar cewa haɗarin suna da yawa kuma dole ne a yi ƙoƙari don canza wannan yanayin ko tsarin tattalin arziki. Kamar yadda za a iya fahimta, kasuwannin kuɗi ba sa ɗaukar wannan gaskiyar sosai kuma akwai yawaita saukad a cikin jakunkuna, har ma da tsananin ƙarfi na musamman. Ari ko lessasa abin tunani ne game da abin da Spain ta faru a farkon rikicin tattalin arziki, a wajajen 2012 da 2013, lokacin da farashin haɗarinsa ya kai matuka matuka.
Hanyoyin babban haɗari
Lokaci ya yi da za a binciko tasirinsa game da tattalin arzikin kasa musamman idan wannan matakin gudummawar ya yi yawa. Saboda mahimmancin sa yafi dacewa fiye da yadda zaku iya yarda da shi daga farko. Kai tsaye yana shafar aljihun masu amfani da kansu. Amma lokaci yayi da zaku tantance menene tasirin sa mafi mahimmanci kuma yadda zaku iya lura dasu daga yanzu.
- Haɓakawa mai yawa cikin haɗarin haɗari akan ƙasarmu shima ana nuna shi cikin gaskiyar gaskiyar kamfanoni. Ba abin mamaki bane, yana haifar da a farashin mafi girma na kuɗin ku. Zuwa ga abin da zai iya haifar da rashin aikin yi ya karu ta hanyar rashin iya daukar wani bangare mai yawa na kayan aikinsa.
- Ofaya daga cikin tasirin tasirin wannan yanayin shine abubuwan sha'awa suke girma da yawa kuma sakamakon wannan yanayin jihar zata kasance keɓe kuɗi da yawa don iya biyan su. Wannan a aikace yana nufin cewa za a sami karancin kuɗi don kashe kuɗaɗen zamantakewar jama'a, kayayyakin more rayuwa, fasaha da sauran nau'ikan ayyuka da fa'idodi. Ba shine mafi kyawun yanayin ba, sabili da haka, ga yawancin yan ƙasa tunda jihar zata karkata ga manufofin tattalin arziki wanda ya ta'allaka ne akan tanadi.
- Tabbas, haɓaka cikin ƙimar haɗari ba kyakkyawan labari bane don aiki, nesa dashi. Domin a sakamakon, bisa ga lissafin da bankunan suka yi, ana nuna cewa a cikin kowane maki 100 da darajar haɗari ta tashi, kusan ayyukan 160.000 an ƙirƙira su a Spain. Saboda haka, ta hanyar nuna kyakkyawar alaƙa tsakanin babban haɗari mai haɗari da ƙarni na aiki a cikin ƙasa. Kamar yadda ya faru a Spain a cikin recentan shekarun nan, inda wannan matakan tattalin arziki ya tashi daga 500 zuwa ƙasa da maki 100 a cikin yearsan shekaru, kamar yadda yake faruwa a yanzu.
Credananan ƙididdiga kuma sun fi tsada
Hakanan ba za mu iya mantawa da wata hujja da ke da mahimmancin tunani a cikin al'umma ba kuma ya samo asali ne daga buƙatar kuɗaɗe da kanta a cikin hanyoyin tallan da aka saba, a wannan ma'anar, bankuna za su biya ƙarin kuɗi don samun kuɗi kuma wannan gaskiyar ana ba da ita nan da nan ga mai amfani. Wannan gaskiyar ta nuna cewa bayar da layin bashi yana raguwa kuma yanayin yana da kyau fiye da yanzu. Wato, abokin ciniki ba shi da wani zaɓi sai dai ya biya babbar sha'awa don ya sami damar ciyar da kansa. A wasu kalmomin, dukkanin ɓangarorin aikin za a iya shafar su ta sararin samaniya a cikin haɗarin haɗari.
A gefe guda, gaskiyar cewa amfani yana raguwa da ƙarfi sosai kuma yana da matukar dacewa. Karancin kuɗaɗen motsawa kuma a sakamakon su an cutar da manyan abubuwan tattalin arziƙin ƙasa. Har zuwa matakan da zasu iya zama haɗari ga kowa. Wato, ƙananan ci gaban tattalin arziki da ƙarin rashin aikin yi a matsayin wasu mahimman canje-canje kuma hakan yana iya lura da su ta ɓangaren wakilan jama'a. Karkace ne mara kyau wanda bashi da wani tabbataccen maki, kamar yadda muke nunawa a cikin wannan labarin.
Kuɗi yana neman wasu kasuwanni
Ba kuma za a manta da cewa lokacin da aka samar da waɗannan al'amuran ba, kuɗi suna canza hannaye. Wannan yana nufin cewa saka hannun jari yana ƙoƙarin neman wasu kasuwannin kuɗi waɗanda ke ba su tsaro da kwanciyar hankali. Yawancin lokaci zuwa ga murabba'ai murabba'ai, kamar misali Bajamushe ko Arewacin Amurka. Tunani ne cewa kuɗi a wannan lokacin ba su da ƙasa, amma suna neman ribar kansu, sama da sauran abubuwan fasaha. Kuma tabbas, a cikin waɗannan yanayin ba shine mafi kyawun ribar da zasu iya samu ba.
Wannan wani kwarin gwiwa ne ga manyan masu saka hannun jari don matsawa da kudadensu zuwa wasu kasuwannin daidaito. Tare da matsin lamba akan farashin hannun jari tunda rashin masu siyarwa yana shafar wannan yanayin na musamman don faruwa kuma ana gano hakan ta ƙananan da matsakaitan masu saka jari. Saboda babu wata shakka cewa ana iya yin sayayya tare da farashin da aka daidaita da sabon gaskiyar. Baya ga jerin gwanon da ka iya faruwa a kasuwannin hada-hadar kuɗi na ƙasa, a ƙarƙashin ƙarfi ɗaya ko wani. Ba abin mamaki bane, yana da ƙarin haɗarin da masu saka hannun jari ke dashi.