Manufofin kudi na Amurka suna da matukar tasiri a kasuwannin hada-hadar kudi, amma tare da karamin tasiri da kaikaice ga tattalin arzikin Turai, kuma sakamakon haka, a aljihun 'yan ƙasa na yankin Euro. Tun daga ƙarshen shekarar da ta gabata, dabarun ta suka canza, biyo bayan shawarar Babban Asusun Tarayya na ɗaga darajar riba da kashi huɗu na aya, har zuwa 0,50%. Ba zai zama shi kadai ba, tunda babban bankin Arewacin Amurka ya nuna a cikin bayanansa na baya-bayan nan cewa za a sami ƙarin ƙaruwa a farashin kuɗi a cikin watanni masu zuwa, kodayake za a yi shi a hankali kuma a cikin tsarin sarrafawa.
Wannan canjin matsayi a cikin manufofin kuɗin yana faruwa shekaru goma bayan tashin ƙimar ƙarshe ya faru. Ba abin mamaki bane, wannan shine na farko tun shekarar 2006, kafin rikicin kudi ya barke. Wannan matakin ya taimaka wajan habaka bunkasar tattalin arzikin Amurka, ta hanyar yalwataccen tsari a cikin ayyukanta masu amfani wanda ya kai shi ga kaiwa matakan da suka fi kashi 4% a cikin Babban Samfurin Gidan Sa a lokacin wasu kwata na 'yan shekarun nan. Tare da kara karfin tattalin arziki ya janye, idan aka ba da alamun ci gaba a bayyane, girman wadannan karin yanzu ya rage a tabbatar. Daga 6,25% wanda farashin kuɗi ya motsa a farkon wannan karnin, kuma ya sauka zuwa 0,25% a ƙarshen 2008, kada a yi watsi da waɗannan matakan har tsawon shekaru bakwai. Kuma wannan ya bambanta da ƙananan ƙimar Switzerland (0,75%) ko Japan (0,10%) waɗanda sune ƙasashen da farashin kuɗi ke da arha.
Yana yin la'akari da bambancin manufofin kuɗin Arewacin Amurka wanda ake aiwatar da shi tare da Tarayyar Turai, wanda yasha bamban. A zahiri, a wannan gefen na Atlantic, Babban Bankin Turai (ECB) kwanan nan ya yanke shawarar ci gaba da dabarun saukaka harkar kuɗi ta rage farashin kuɗi zuwa 0%, a matsayin kayan aiki don bunkasa ayyukan tattalin arziki a wannan yanki, idan aka gano wasu alamun raguwa a cikin tattalin arzikinta.
Nau'ikan: damar saka jari
Juya baya a cikin manufofin kuɗin Amurka yana yin tunaninshi kai tsaye akan kasuwanni na jari. Kodayake zuwa wani babban ragi an yi rangwame a cikin shekarar da ta gabata. Ba abin mamaki bane, halayen kasuwar game da wannan canjin yanayin ya kasance zuwa wasu kadarorin kuɗi, ko kuma a wata ma'anar, zuwa sababbin kayayyakin saka hannun jari waɗanda ke la'akari da waɗannan ƙungiyoyi. Lokacin da farashin ya faɗi, masu saka jari suna ganin kasuwar hannun jari a matsayin mafi kyawun kayan aiki don sa ajiyar ku ta zama mai fa'ida, kuma ana ba da gudummawar jari ga wannan saka hannun jari Idan aka ba da wannan sabon yanayin tattalin arziƙin, ƙimar da aka samu a kasuwannin su watakila ba za a gani ba kamar shekarun da suka kasance suna rayuwa da ƙarancin ƙima.
Don wannan dole ne a ƙara cewa, saboda rashin gasa na kamfanonin Arewacin Amurka a sakamakon dala dala, ana iya jagorantar tanadi zuwa samfuran samfuran shiga. Kuma musamman ga haɗin Arewacin Amurka, ɗayan manyan masu cin gajiyar wannan halin. Rage farashinsa, tare da karuwar ribarta, zai ba masu saka jari damar ɗaukar matsayi a cikin wannan kadarar ta kuɗi daga yanzu tare da kyakkyawan fata don aikin ta.
Kodayake ana iya yin kwangilar kai tsaye, abu mafi sauƙi kuma mafi sauƙi shine a yi shi daga tsayayyen asusun samun kuɗin shiga, wanda ya haɗa da shi a cikin jarin sa hannun jari. Ko ma matsawa zuwa daidaiton Turai, kuma wannan sakamakon ƙananan ƙimar da take gabatarwa a halin yanzu, na iya ɗaukar sandar da kasuwar hannun jari ta Arewacin Amurka ta bari bayan hawan sama a cikin 'yan shekarun nan. Ba abin mamaki bane, mafi yawan alamomin wakilinta, Dow Jones, sun yaba da wannan ƙarancin lokacin a kusa da 90%, bayan kai matakin sa na kowane lokaci yayin shekarar 2015, a yayin ziyartar matakin maki 18.312.
Yawo mafi tsada don Turawa
'Yan ƙasa na yankin Euro waɗanda za su ƙaura zuwa wancan gefen na Atlantic, suma za su lura da tasirin wannan matakin, tunda za su cutar da su ta hanyar ƙimar euro mara ƙima a musayar su da kuɗin Arewacin Amurka. Kuma sakamakon haka, kunshin hutunku, ajiyar masauki, ko samun dama ga sauran ayyukan yawon buɗe ido zai zama mai faɗi sosai daga yanzu.
A wasu bangarorin ayyukan tattalin arziki, sakamakon zai zama karami sosai, kuma da wuya ya isa aljihunka. Ba tare da ci gaba da tafiya ba, hakan ba zai yi tasiri ba a kan farashin ayyukan banki da samfuran sa, wadanda suka dogara ne kacokan kan manufofin kudin Al'umma. Ba tare da niyyar canza dabarun ta ba, bayan bayani na karshe daga banki mai bayarwa. Ta wannan hanyar, alaƙar da rance da lamuni zai ci gaba da kasancewa kamar dā, tare da ƙananan kuɗin ruwa. Ya kamata a tuna cewa babban jigogin nuni don tsara jingina, Euribor, a halin yanzu yana - 0,012%, bayan ya kasance a cikin shekaru goman da suka gabata tsakanin 0,059% da 5,384%.
Dangane da samfuran yau da kullun don ajiyar kuɗi (ajiyar kuɗi, bayanan wasikun banki, da sauransu), za su ci gaba da matsawa ƙarƙashin matakan da ba su da ƙarfi sosai a aikinsu, kusan ba zai yiwu ba. Ina da kyar zasu wuce shingen 0,50%, Sai dai idan an yi amfani da wasu dabaru don haɓaka ribarta (haɗi zuwa wasu kadarorin kuɗi, tayi don sababbin abokan ciniki ko yin kwangila da wasu kayayyaki).
Ididdigar kuɗi
Wata kadarar kuɗi da ke da ma'ana ga canji a cikin tsarin kuɗi a Amurka shine wanda ke da kuɗaɗe a matsayin wurin ishara. Ba abin mamaki bane, Dalar Amurka ta kara daraja dangane da sauran kudaden duniya, tunda wannan sabon juyi ga 'yan sanda tattalin arziki ya fara. Kuma duk da cewa farashin sa kan euro ya ragu da kadan da 2,80%, a cikin watannin farkon wannan shekarar.
Babbar matsalar za ta shafi tattalin arziƙin da ke tasowa, saboda za su fuskanci dala mafi tsada, wanda hakan ma zai iya yin canjin canjin kamfanonin Spain tare da buƙatu a wasu yankuna (Brazil, Mexico, Argentina, da sauransu). Kodayake, a gefe guda, zai inganta takaddun ma'aunin kamfanonin Turai (Sifeniyanci) ta hanyar fitar dasu. Nunawarsa a cikin daidaito ya faɗi tare da daidaitawa a cikin farashinsa, daidai da sabon gaskiyar tattalin arziki.
Tasirinta akan saka hannun jari
Tabbas, yanayin ƙimar riba zai sami tasiri fiye da mahimmancin tasiri akan matsayin da kuka buɗe cikin daidaito. Har sai taimaka maka samun kuɗi ko asara a kasuwannin kuɗi. Ba abin mamaki bane, yana ɗaya daga cikin mafi ƙayyadaddun canjin tattalin arziƙi don haɓakar kasuwar hannun jari a kowane lokaci kuma a kowane yanayi. Bai kamata ku manta da su ba idan kuna son sanya riba ta riba tare da tabbacin samun nasara a duk ayyukan ku.
Tabbas, mafi kyawun yanayin zai faru yayin ƙimar riba ta kasance ƙasa, kamar yadda yanayin yanzu yake, tunda zai fitar da farashin hannayen jari da aka jera a kan equities. Dole ne a sami dalilin kasancewarsa farashin kuɗi mai arha, kamfanonin ba da kuɗi suna ganin ya fi fa'ida sosai ga bukatunsu. Duk wannan an canza shi zuwa matsayi mafi kyau a layin kasuwancin su. Yawancin lokaci suna dacewa da yanayin sama a kasuwannin kuɗi.
Kishiyar motsi, ma'ana, yawan kudaden ruwa, yana haifar da akasi. Da yake farashin kuɗi sun fi tsada, matsalolin kamfanonin sun fi yawa. Tare da raguwa a yankin kasuwancinta kuma ta hanyar haɓaka farashinsa a kasuwanni. Yana da gaske m cewa sun ci gaba lokutan bearish a cikin farashin. Inda bangarorin kasuwar hannayen jari suka fi shafa su ne wadanda suka shafi bankuna, kungiyoyin kudi da kamfanonin inshora.
Daga wannan yanayin da kuɗin ruwa ke kawowa, zai zama mai kyau ƙwarai da gaske cewa ka ɗauki matsayi yayin da ƙimar riba tayi ƙasa. Duk da yake ya bambanta, akasin haka tare da lokuta masu yawa a cikin samar da kuɗi. Inda abin da yafi dacewa shine kuna da yawa mafi hankali a cikin dukkan motsi da kuke ci gaba. Kodayake yana cikin Amurka inda waɗannan yanayi suke tasiri, ba za ku iya rashin sanin cikakken farashi game da yanayin ƙimar amfani a tsohuwar nahiyar ba.
Cinikin kaya a wannan yanayin
Idan kuna son yin amfani da juyin halitta cikin ƙimar riba, duka a gefe ɗaya da kuma ɗaya daga cikin Tekun Atlantika, ba za ku sami zaɓi ba face ku yi amfani da jerin jagororin ɗabi'a don inganta ayyukanku cikin daidaito. Zasu taimake ku wajen inganta matsayinku, hakan ma yana iya zama sanadin haɓaka ayyukan kuɗaɗen ajiyar ku daga yanzu: Shin kuna son bin su?
- Ka bambanta dabarun saka jari ya danganta da tsarin da kudin ruwa ke rayuwa a kowane lokaci.
- Idan ya cancanta zai taimake ka ka tafi sabuntawaKaɗan kaɗan, jarin ku na saka jari don ɗaukar shi zuwa mafi kyawun hanyoyin saka hannun jari a kowane lokaci.
- Tarurrukan hukumomin kuɗi Zai zama kyakkyawan ma'auni a gare ku don yanke shawara, ta wata hanyar ko wata.
- da m da fadada lokaci na tattalin arziƙin ƙasa da ƙasa zai fi ƙayyade manufofin kuɗi na manyan yankunan ƙasashen da suka ci gaba.
- Kuna iya gano adadi mai yawa na samfuran kuɗi waɗanda aka haɓaka musamman don jimre wa al'amuran babban ko ƙimar ƙimar riba.
- Don gyara kayan jarin ku, dole ne ku tuna cewa akwai da dama dabi'un da suka fi dacewa da waɗannan manufofin kuɗin. Yi amfani da su a kowane lokaci. Suna iya zama fa'idodi masu fa'ida sosai don bukatunku.