Shawarwarin Babban Bankin Turai (ECB) na jinkirta tashi cikin kudin ruwa a cikin yankin Euro yana da tasiri daban-daban dangane da fannin da ake magana akai. Amma a dunkule ba labari ne mai dadi ba ga kanana da matsakaitan masu saka jari saboda tsananin takamaiman nauyin bankin da ke cikin jerin hannayen jari na kasa, Ibex 35. Ba abin mamaki bane, bankuna sun yi asara mai yawa tun lokacin da aka yanke wannan shawarar daga al'umma. kungiyoyi.
Wannan shi ne matakin da za ku tantance daga yanzu don aiwatar da kowane irin dabarun saka jari. Domin yanayi ne wanda a karshe zai dauki wasu watanni. Aƙalla har zuwa farkon shekara mai zuwa lokacin da za a sami canji a cikin yanayin manufofin kuɗi na Turai gama gari. Ba abin mamaki bane, wannan lamarin zai sanya matsin mai siyarwa akan wasu jarin kasuwancin da aka lissafa a kasuwannin daidaito. Sabili da haka, ba za ku sami zaɓi ba sai dai ku yi hankali da aiwatar da ayyuka don samun ribar ku ta riba.
A cikin wannan babban yanayin, kada ku manta cewa waɗannan matakan suna haifar da fa'ida ga kasuwannin daidaito zuwa zasu iya daukar hanya daya ko wancan daga yanzu. Kodayake suna jin farko cewa ƙarancin riba yana taimakawa kasuwannin hannayen jari don haɓaka darajar su. Fiye da wasu lamuran yanayi na fasaha ko kuma daga mahangar tushenta. A kowane hali, gaskiya ne cewa dole ne ku kasance da masaniya sosai don yanke shawara a cikin mawuyacin duniyar saka hannun jari.
Draghi ba zai ɗaga farashin a cikin 2019 ba
Shawarwarin da shugaban Babban Bankin Turai (ECB), Mario Draghi, na rashin tayar da kudaden ruwa a yankin na Euro a wannan shekarar ya na da matukar muhimmanci a kasuwannin hada-hadar kudi a tsohuwar nahiyar. A wannan ma'anar, wannan sanarwar ta hukuma ta haifar da mafi munin kwanakin da aka girka a bankunan Spain. Sun rasa tsakanin 7% da 3% na ƙimar kasuwar su, ma'ana, sama da miliyan 5.000, bayan sanarwar mutumin da ke da karfin iko na kudin Turai cewa ba zai kara kudin ruwa ba, akalla wannan shekarar. Shugaban ECB zai shigar da ƙarin kuɗi cikin tattalin arzikin Turai daga Satumba.
A cikin karin sa zuciya fiye da yadda aka saba, babban bankin na Italiyan ya bayyana cewa Majalisar Gudanarwa ta yanke shawara "gaba ɗaya" ta jinkirta "aƙalla har zuwa ƙarshen 2019" tashin farko na ƙimar riba. A matsayin hujja don sabon matakan kara kuzari da aka sanar, Draghi ya yarda cewa sabon hasashen na ECB yana wakiltar raguwa "mai mahimmanci" a cikin tsammanin ci gaban idan aka kwatanta da waɗanda aka buga a watan Disambar da ta gabata, yana mai yarda da cewa raguwar raguwa sosai a yankin Euro A ƙarshen ƙarshen 2018 shi da alama hakan zai kara zuwa 2019.
Rushewa a bankunan Spain
Tasirin farko na waɗannan kalmomin daga Babban Bankin Turai (ECB) ya kasance faduwar dukkan bankuna a cikin fannin, ba tare da wata togiya ba. Tare da ragin darajar kudi har kusan 8% a Banca Sabadell da kuma mahimmancin ƙarfi a cikin duk sauran hanyoyin tsaro na wannan muhimmin ɓangare na daidaiton ƙasa. Rashin hankali ya ƙare a kowane banki kuma zai ɗauki abu mai yawa a gare su don canza yanayin su a duk sauran watanni na wannan rikitacciyar shekarar. A gefe guda, ba za mu iya mantawa da cewa waɗannan kamfanonin da aka lissafa sun dogara da ƙarin ƙimar zuwa ba inganta iyakar ribar ku. Bayan waɗannan sun ragu a cikin 'yan kwanan nan zuwa matakan da ke da matukar damuwa ga ƙanana da matsakaitan masu saka jari.
A cikin wannan yanayin gabaɗaya, ya kamata kuma a sani cewa bankuna sune ɓangarorin kasuwar kasuwancin hannun jari mafi mahimmanci ga irin wannan matakan kuɗin. Bayan kuskuren manajan kudi Cewa 'yan watannin da suka gabata sunyi tunanin cewa zai kasance a cikin watan Disambar 2019 lokacin da wannan canjin ya kasance a cikin ƙimar riba. Kamar yadda yawancin masana tattalin arziƙi 45 da Bloomberg ta bincika suka gano. Saboda wannan dalili, shawarar da Shugaban Babban Bankin Turai (ECB), Mario Draghi, ya ba kowa mamaki.
Yanayi mara kyau na tattalin arzikin Turai
Amma wannan shawarar ta wuce niyyar kuɗi, tun da ya shafi tabarbarewar tattalin arzikin yankin Euro. A cikin wannan ma'anar, suna la'akari daga ECB cewa haɗarin tattalin arziƙin yankin Euro ya samo asali ta hanyar da ba ta dace ba. Ba abin mamaki bane, maganganun kwanan nan da Shugaban Babban Bankin Turai (ECB), Mario Draghi suka yi ta wannan hanyar ta hanyar nuna hakan sababbin bayanai har yanzu suna da rauni fiye da yadda ake tsammani, yana mai tabbatar da cewa kasada ga yanayin yanki na Euro "sun karkata zuwa faɗuwa."
Wannan labarai ba labari bane mai kyau ga bankunan da aka lissafa akan kasuwannin daidaito don haka dole ne a sake gyara duk matsayi a cikin bangaren kuɗi. Ba abin mamaki bane, akwai lokacin da za'a sami sha'awar waɗannan ƙimomin lokacin da aka lissafa su da farashin ƙasa da na yanzu. Da wacce damar za ta kasance mafi girma a matsakaici kuma musamman dogon lokaci. Amma ba a cikin waɗannan lokutan daidai ba saboda akwai abubuwa da yawa da zaku iya rasa sama da riba. Kuma wannan shine yadda smallan ƙanana da matsakaitan masu saka jari ke fahimtar sa, waɗanda ke yin watsi da matsayin su a cikin waɗannan amincin ta fuskar tsoron ƙarin ragin a farashin su a cikin wannan shekara mai rikitarwa.
Santander ya yi tsayayya mafi kyau
Financialungiyar kuɗaɗen ta sami nasarar kammala shirinta na shekaru uku, wanda ya mai da hankali kan aminci ga abokan ciniki, wanda ya ba ta damar ci gaba da kasancewa ɗayan manyan bankuna masu fa'ida da inganci tsakanin masu fafatawa, tare da dawowa kan babban birni (RoTE) na kashi 11,7% da haɓakar aiki daidai da 47%. A gefe guda, Santander ya sake ba da gudummawa ga ci gaban mutane da kamfanoni a cikin shekarar kuma ya haɗa wasu abokan cinikin miliyan 2,6. Daraja da albarkatu sun haɓaka 4% a cikin Euro na yau da kullun.
A wani tsari na abubuwa dangane da sakamakon kasuwancin sa, ya zama dole a jaddada cewa yawan abokan cinikin da yake amfani dasu sabis dijital ya karu da miliyan 6,6, zuwa miliyan 32. Ungiyar ta ci gaba da sauya fasalin dijital tare da ƙaddamar da sabbin ingantattun ayyuka ga abokan ciniki, wanda ya ba bankin damar kasancewa cikin manyan ƙungiyoyi uku don gamsar da abokan ciniki a cikin manyan kasuwanninsa bakwai. Duk da yake a ɗaya hannun, ribar da bankin ke bayarwa na shekara-shekara ya karu a takwas daga cikin manyan kasuwanni goma a cikin euro na yau da kullun (ban da tasirin canjin canji).
Kamfanonin wutar lantarki sune manyan masu cin gajiyarta
Yayin da a gefe guda, kamfanoni a ɓangaren wutar lantarki su ne manyan masu cin gajiyar waɗannan matakan waɗanda Babban Bankin Turai (ECB) ke hasashe. Saboda basussuka masu yawa da kuma cewa sun sami tagomashin ƙananan da matsakaitan masu saka jari tare da gaggarumin sayayya. Lokacin ma'amala da motsa jiki darajar tsari ta fuskar yanayi mai rauni da yanayin rashin daidaito a kasuwannin daidaito.
Valuesimar wannan ma muhimmin sashi ya yaba tsakanin 2% da 4%, a cikin sashen da ya riga ya kasance a cikin ƙasa mai ban tsoro. Ko da tare da wasu wakilan ta a cikin yanayin tashin tashi kyauta, wanda shine mafi kyawun abin da zai iya faruwa ga kadarorin kuɗi. Ba abin mamaki bane, ba su da ƙarancin tsayayya a gaba kuma saboda haka suna iya haɓaka da yawa cikin ƙimar farashin su. Kasancewa ɗaya daga cikin zaɓuɓɓukan da zasu iya kare buƙatun ƙanana da matsakaitan masu saka jari a wannan lokacin daidai. Tare da rarar kuɗi kaɗan waɗanda ke amfanar dabarun kamfanonin wutar lantarki saboda halayensu na musamman.
Ciniki akan kasuwar jari
A cikin wannan babban yanayin, ya kamata a lura cewa kasuwar hannun jari ta Sipaniya ciniki a cikin equities Yuro miliyan 32.319 a cikin watan da ya gabata ya yi nazari, wanda ke nufin kasa da kashi 22 cikin 30,6 a watan Janairu da kashi 2018% ƙasa da adadi na wannan watan na 2,8. Yawan tattaunawar ya kai miliyan 21,8, 37% ƙasa da na baya kuma XNUMX% ƙasa fiye da wanda aka yi rajista a cikin lokacin nazarin a bara.
A gefe guda, a cikin sashi na garanti da takaddun shaida An yi sulhu kan Yuro miliyan 24, kasa da watan da ya gabata da kashi 31,8% kasa da 47,4% kasa da a daidai wannan lokacin na shekarar 2018. Yawan tattaunawar ya tsaya a 5.826, wanda ke wakiltar 7,5% a karkashin watan Janairu da kuma 36,4% kasa da na watan da ya gabata. shekara. Inda, a ƙarshe, yawan batutuwan da aka shigar da su ya kai 1.186, wato, ba ƙasa da 108% fiye da shekarar da ta gabata. Kasancewa ɗaya daga cikin zaɓuɓɓukan da zasu iya kare buƙatun ƙanana da matsakaitan masu saka jari a wannan lokacin daidai. Tare da rarar kuɗi kaɗan waɗanda ke amfanar dabarun kamfanonin wutar lantarki saboda halayensu na musamman.