Kasuwar hannun jari ta kasance mummunan kayan aiki ga hannun jarin sassan banki bayan fadada na coronavirus kuma da yawa daga cikinsu sun riga suna ciniki a ƙananan ƙananan shekarun nan. Musamman, hukumomin banki suna da ra'ayoyi iri daban-daban, suna nan a yankuna daban-daban na yanki wanda zai iya haifar da mu da tunanin cewa matsalar a Spain, duk da munin ta, ana iya yin amfani da ita tare da faɗakarwar da aka ambata. Har zuwa cewa waɗannan suna sarrafa ainihin yiwuwar ƙungiyoyin kamfanoni da ke faruwa a tsakanin wasu bankunan da aka haɗa su a cikin jerin zaɓuɓɓukan hannayen jari a ƙasarmu, Ibex 35.
Wannan gaskiyar na iya yiwuwa saboda daga Tarayyar Turai (EU) da kuma daga Babban Bankin Turai (BCE) ya kasance yana ba da shawarwari har ma yana neman haɗakarwa tsakanin ƙungiyoyi na ɗan lokaci don haɓaka ƙwarewar su. A wannan ma'anar, ya kamata a tuna cewa waɗannan makonnin suna tunawa da cewa haɗuwa tsakanin Deutsche Bank da Commerzbank ya zama abin takaici a hukumance shekara guda da ta gabata. Ofaya daga cikin manyan bama-bamai da zasu shafi yanki mai ƙarfi a cikin EU. Amma yanzu an fi mai da hankali kan cibiyoyin bayar da bashi na ƙasa tun da halin da suke ciki ba shine mafi kyau ba bayan abubuwan da suka faru tun farkon makon Maris.
Lokacin da ƙungiyoyin kuɗi na Mutanen Espanya suka rage ƙima a cikin kasuwannin hada-hadar Sifen. A gefen da ke jujjuya tsakanin 30% da 50%, wanda ke faɗin abubuwa da yawa ga ɓangaren da ke da babban takamaiman nauyi a cikin Ibex 35 kuma hakan ya rinjayi an miƙa shi zuwa ga Matakan maki 6000s Kodayake daga baya ya sake dawowa da kashi 15% sakamakon sake dawowa da kasuwannin hannayen jari a duk duniya. A kowane hali, ɗayan ɗayan sassa ne masu aiki a cikin wannan jerin jeri na shekara. Tare da farashi na fifiko waɗanda zasu iya zama da ban sha'awa sosai don fara ɗaukar matsayi a cikin waɗannan kadarorin kuɗi. Tare da ragi masu dacewa dangane da farashin su na farkon shekara.
Bankuna: mai yiwuwa OPAS
Ofaya daga cikin yanayin da ake la'akari da su awannan zamanin shine haɗuwa akan sayan wasu bankuna waɗanda ke cikin ci gaban kasuwar ƙasarmu. Daga wannan tsarin a cikin dabarun bankunan, ɗayan motsi wanda ya fi sauti a cikin rukunin wakilan wakilan kuɗi shine haɗin kai tsakanin Banco Santander da BBVA. Saboda a zahiri, zai zama juyin juya halin gaske a cikin wannan mahimmin yanki a cikin tattalin arzikin Sifen. Da yake aiki ne babba wanda zai iya tarwatsa yanayin kasuwar hannayen jari na dukkan sassan daga yanzu. Tare da tantancewa daban-daban a cikin kowane shari'ar.
Yayin da a gefe guda, ba za a iya mantawa da cewa wata dabara daga ƙungiyoyin al'umma ita ce ta rage adadin cibiyoyin bada bashi zuwa mafi karanci. Wani abu da aka riga aka tattauna tun rikicin tattalin arziƙi na ƙarshe, a cikin 2009 kuma wannan yanzu yana da alama ana la'akari dashi sakamakon halin tattalin arziki na yanzu a duniya. Kuma wannan yana faruwa ne ta hanyar halaye na musamman na banki a cikin ƙasarmu kuma hakan tabbas yana daɗewa ba da daɗewa ba zuwa tarin kungiyoyin kuɗi. Inda a cikin Ibex 35 layuka daban-daban na kasuwanci aka haɗu a cikin wannan ɓangaren kasuwancin: ƙarami, matsakaici da manyan bankuna. Tare da gudanarwar da ta banbanta a kowane ɗayansu kuma kamar yadda a ɗaya hannun yake da ma'ana don fahimta daga wakilan kudi.
Halin mafi munin a cikin 2020
A kowane hali, akwai gaskiyar da ke haskakawa sosai kuma wannan shine cewa bankin banki shine wanda yake da mafi munin aiki tun kwanakin farko na Janairu. Tare da raguwar matsakaita a bangaren da ya kai yan kwanakin nan matakan kusa da 36%. Tare da mummunan yanayin da ya rigaya ya kasance tun kafin matsalar lafiya ta samo asali sakamakon faɗaɗa cutar coronavirus. Tare da yanayin ƙasa wanda ya kasance tsawon watanni ya bayyana sarai game da duk sharuɗɗan dawwamamme: gajere, matsakaici da kuma lokaci. Tare da gagarumar jinkiri dangane da sauran bangarorin da suka dace sosai na tsarin zabar kudin shigar kasar mu, tare da banbancin da zai iya kaiwa ga matakan da ake fadi na farashin su wanda ya wuce 5% ko ma 10%.
A cikin wannan yanayin gabaɗaya, ɓangaren banki a Spain ba shine mafi dacewa don samun riba mai riba daga yanzu ba. Idan ba haka ba, akasin haka, shine a bar shi a kan radar ta fuskar abin da ka iya faruwa a makonni masu zuwa. Amma ba abu mai ban sha'awa bane don aiwatarwa kowane irin sayayya saboda akwai abin da za a rasa fiye da riba. Tare da haɗari a cikin ayyukan kwata-kwata ba lallai ba ne don abubuwanmu na sirri a cikin ragowar shekara. Tunda abu mai ma'ana shine cewa farashin su zai ga ƙarin farashin ƙasa a yankuna masu zuwa kuma wannan gaskiyar yakamata ta nisanta mu daga waɗannan matsayin a kasuwar hannun jari saboda babu wata tantama cewa zamu iya samun abubuwan mamaki da yawa marasa kyau daga yanzu.
Haɗa kan iya faruwa
Wasu daga cikin abubuwan haɗuwa waɗanda zasu iya faruwa daga yanzu zuwa wannan muhimmin sashin kasuwar hannayen jari a ƙasarmu an tattauna akan ƙungiyoyin masu saka hannun jari. A wannan ma'anar, ɗayan mafi kusantar yuwuwar shine wanda jarumi yake Bankia tare da Caixabank da kuma cewa zai iya aiwatar da haɗin gwiwa wanda zai iya biyan bukatun masu hannun jarin ɓangarorin biyu na aikin. A kowane yanayi, sun kasance a ƙasa da shekaru da yawa da suka gabata kuma tare da yanayin ƙasa ƙwarai a bayyane ga duk sharuɗan dindindin. Kuma a game da tsohon bankin ajiya na Madrid, yana iya ɗaukar shi zuwa matakan da ke ƙasa da rukunin euro a karon farko. Lokacin da shekara guda da ta gabata ya kasance a cikin wani hali don yakar juriya da yake da ita a kan euro uku a kowane rabo.
Wani haɗin da ake sarrafawa a cikin yanayin kasuwar hannun jari shine wanda ke da ƙananan bankuna masu haɓaka matsayin masu haɓaka. Daga cikin wadanda suka yi fice Unicaja da Liberbank, daga cikin mafi dacewa. Tare da raunin da yake da matukar kwarjini kuma saboda haka yana iya ɗauke su zuwa maɗaukakiyar martaba a cikin watannin ƙarshe na shekarar da ta gabata. A gefe guda, wannan haɗakarwar zata kasance ɗaya daga cikin buƙatun hukumomin gudanarwa, duka a matakin ƙasa da wajen kan iyakokinmu, saboda suna yiwa ƙungiyoyin kuɗi da babbar tsoka amsa ga abokan ciniki. Wani abu wanda a halin yanzu ba zasu iya bayarwa ba ko kuma aƙalla ta hanyar da ba ta gamsarwa ga wakilan kuɗi.
Bangaren da zai sha wahala sosai
A kowane hali, bankuna kalilan ne ke cikin tsarin saka hannun jari na manyan kudaden gudanarwa. Saboda suna ƙara samun ragi kaɗan a cikin ribar su kuma ƙimar riba a halin yanzu tana cikin yanki mara kyau azaman yanke shawara na Babban Bankin Turai (ECB) don aiwatar da manufofin rage farashin kuɗi. Gaskiyar gaskiyar cewa tabbas tana cutar da sha'awar kasuwancin waɗannan rukunin kuɗin kuma yana bayyana a cikin darajar su a cikin kasuwannin daidaito. Inda farashin hannun jari na Banco Santander ke ƙasa da euro biyu da na BBVA euro uku. Farashin da bai dace da takamaiman nauyin da waɗannan manyan biyun na Ibex 35 ke da shi ba.
Duk da yake a ɗaya hannun, ya zama dole a jaddada gaskiyar cewa ɓangaren banki suna nitsewa cikin zurfin ƙasa da kuma ƙarfi mai ƙarfi wanda zai sa dawo da matsayinsa ya kasance mai sarkakiya. Bayan gaskiyar cewa mahimmin koma baya na iya faruwa daga wannan lokacin kuma wannan zai yi aiki fiye da siyan hannun jarin ku don daidaita matsayi a ƙarƙashin ƙarin farashin gasa fiye da mafi ƙarancin matakan su. A cikin yanayin da abu mafi wayo shine ya kasance cikin cikakkiyar ruwa ta fuskar abin da ka iya faruwa a watanni masu zuwa. Aƙalla dangane da gajeriyar wa'adi da kuma inda babu ƙimar da ke tattare da jerin zaɓuɓɓukan daidaitattun lamura a cikin ƙasarmu wanda ke nuna yanayin fasaha mai ɗan faɗi.
Wannan shine kusan X-ray wanda ɓangaren banki ke gabatarwa a cikin mawuyacin lokaci don saka hannun jari a kasuwar hannun jari. Duk da komai, saka hannun jari a kasuwar hada-hadar hannun jari shine mafi kyawun zaɓi don samun ribar tanadi mai fa'ida, musamman idan ana nufin ta matsakaici kuma musamman na dogon lokaci. Saboda haɗarin da ke cikin sauran kadarorin kuɗi ya fi girma, amma inda bankuna ba su ne mafi kyawun zaɓi don fara alaƙarmu da kasuwannin waɗannan halaye ba. Domin har yanzu zaka iya zama ƙasa da ƙima a cikin binciken ka.