Tabbas dukkanmu mun yiwa kanmu wannan tambayar, domin ita ce tambayar dala miliyan a zahiri. Amsar ita ce cewa adadin yana canzawa kuma ya dogara da halaye da yawa. Mafi mahimmanci yadda aka bayyana ma'anar ephemeral ra'ayin kudi. Ga wasu masu tunani irin na zamani, kudi shine zinariya da azurfa. Suna kiran komai sauran bashi.
Amma, idan kun taɓa yin mamakin yawan kuɗin da ake da su a duniya, tabbas kuna tunanin cewa amsar wannan yakamata ya zama adadi mai yawa, amma, amsar ba ta da sauƙi ba. A wannan duniyar inda tsabar kudi yana wakiltar kaɗan ne kawai na jimillar, don haka dole ne muyi la’akari da dalilai da yawa da zasu iya bamu amsa.
A halin yanzu da darajar kuɗi An kafa shi ne ta hanyar amincewar mutane da shi, wannan saboda yawancin kudaden da ke zagayawa a cikin al'umma ba gwamnatocin kasa ne suka bayar da su ba ballantana kasashen da ke tallafawa, amma kusan kashi 90% na kudaden da ke zagayawa a cikin duniya kudi ce bankunan kasuwanci masu zaman kansu An ƙirƙira su kuma kashi 10% ne kawai cikin kuɗi a cikin tsabar kudi da takardar kuɗi waɗanda gwamnatoci ke barin su a hukumance.
Cash a duniya
Sanin nawa ne kudi a duniya, ba zai wadatar ba idan akayi la'akari da tsabar kudi da takardun kudi da suke wanzuwa. Jimlar kuɗi sakamakon samfuran daban-daban ne, ɗayansu shine batun tsabar kuɗi. Kudin da ke zagayawa tare da kudin zahiri da aka sanya a cikin ajiyar banki sananne ana kiranta tushen kuɗi. Asusun kuɗi shine adadin kuɗin da ke akwai a duniya.
Kuɗi iri daban-daban
Don sani da sanin jimlar kuɗi a duniyaHakanan yana da kyau muyi la’akari da kudin da muke dasu a cikin ajiyarmu ko duba asusun, cak ko ajiya da aka sanya, ma'ana, kudin da ake samu nan da nan. Wannan nau'in kuɗin da aka sani da Kudi Kudi kuma wannan rukunin ya hada har da tsabar kudi, wani suna wanda aka san shi da shi M1.
Idan ka kara wa M1 kuɗi tare da kasancewa cikin gajeren lokaci ko matsakaici, kamar ajiyar lokaci, sakamakon zai zama da yawa mai yawa, wanda aka sani da M2. Idan a wannan aka kara da canja wurin kuɗi na ɗan lokaci, amintattun ban da hannun jari, sa hannu a cikin kasuwar kasuwancin kuɗaɗen kuɗi, farawa daga wannan ɓangaren, akwai maganganu daban-daban waɗanda suka ƙunshi waɗanda aka ambata a baya kuma ana iya bambance su gwargwadon wadatar su, da kuma ƙimar kuɗin wannan da ake magana akai , a cikin wannan yanayin zamu iya samu a cikin M6 har ma da M7.
Jimlar kayayyakin banki
Bayan an ambata duk wannan, an fahimci sarai yadda rikitarwa yake lissafa duk kudi a duniya, amma ana iya yin kiyasi. An kiyasta cewa akwai sama da dala tiriliyan dubu sittin, wanda kashi 1% kacal ne takardu ko tsabar kudi, saboda wannan dalili zamu iya tunanin mahimmancin samfuran da ƙungiyoyin kuɗi waɗanda ke kula da zaren tattalin arzikin duniya.
A waɗannan lokutan lokacin da buƙata ta bayyana a ko'ina, musamman a cikin tsarin tattalin arzikiWaɗannan dabarun bayar da lamuni galibi ana ɗaukar su don kuɗi kuma a cikin waɗannan yankuna wannan kalmar ana amfani da ita ga sauran abubuwa da yawa da kuma masu shiga cikin jiki. Don haka matsala a cikin bincike ba ta cika yawan siffofin da ake ƙarawa ba yayin da ma'anar ke faɗaɗa kuma ta zama ba ta da yawa, amma abubuwan ciki da sigogin ma'anar.
Dole ne kuma mu shiga kasuwar azurfa tana kirgawa wanda yake kusan biliyan 14. Abu na farko da yakamata ka sani shi ne, ba kamar zinariya ba, azurfa tana da aikace-aikace kusan 10 a fannin likitanci, lantarki, da sauransu. Hakanan, fahimci amfaninta azaman ainihin kuɗi. Game da fahimtar cewa farashin ma'adanai masu daraja, ko zinariya ko azurfa, an shafe shekaru da yawa ta hanyar manyan bankunan, daidai saboda tarihi ya nuna cewa su ne kawai kuɗin da suke da daraja sosai, kuma saboda wannan dalili, su ne sigogi a kan abin da dole ne a ƙididdige abubuwan ƙirƙirar kuɗin ku kamar euro, dala, yen, fam, peso, yuan, da sauransu.
Dangane da ƙimar tsarin kamfani mafi kwadayi fiye da Kasuwancin Kasuwancin New York, Apple. Tare da dala biliyan 616, za mu iya fitar da hankali da gaske wanda yake game da tiriliyan Anglo.
La bashin duniya ya shagaltar da wani muhimmin mataki, saboda wannan saboda bashin bashi ne ta hanyar lamuni na ƙasa, jimillar wannan ita ce $ 199 AT wacce aka samo ta kuma aka ƙirƙire ta ta iska bayan rikicin a shekarar 2008. Wannan yana nufin cewa, a cikin tsawon shekaru 8, duniya ta ci karo da ƙarin bashi kwatankwacin 94 na darajar kasuwar Apple.
Quantididdigar yawa
Anan ne lissafin kudi na duniya yana ɗaukar lamuran yau da kullun, yayin da ya hau zuwa mafi girman ƙari, waɗanda kayan aikin samowa ne. Suna da mahimmanci saboda mahaukacin adadi na quadrillion 1.2. Wanda yayi daidai da kusan Apples 2.
Waɗannan abubuwan ivan asalin an ce an halicce su ne don magance su haɗarin kuɗi, amma bisa ga yawancin manazarta an sami akasi sakamako, wanda shine ƙara haɗari. A zahiri, makamin kuɗi na lalata mutane hujja ne akan wannan kuma, kodayake gaskiya ne cewa sun kirkiro saiti wanda ya haɗu da sifili, masifun da zasu haifar a ƙarshe tsakanin masu caca, ta hanyar fashewa, tsakanin masu asara. ba za a iya misaltawa ba.da kuma wadanda suka ci nasara, wadanda takwararsu ba za ta iya biyansu ba. Daga qarshe, kowa ya zama mai asara.
Hanya mai sauƙi don yin bayanin zai kasance a cikin tsarin banki cewa kowace ƙasa tana da, akwai mutane da kamfanoni waɗanda suke da kuɗi waɗanda suke shirin sanyawa a bankuna, a cikin hanyar duba asusun ajiya, ajiyar lokaci, bankunan ajiya, da dai sauransu. Lokacin da mutum ya sanya kuɗi a banki, ba za a riƙe wannan kuɗin a cikin ajiya ba har abada, yana jiran mutumin ya cire shi wata rana.
Akasin haka, abin da ke faruwa shi ne bankin zai yi amfani da wannan kuɗin don ba da rance ga wasu waɗanda suka zo nemi rance. Koyaya, dole ne ku riƙe ko adana wani kaso na wannan kuɗin a cikin ajiyar kuɗi, idan abokin ciniki ke son cire shi a kowane lokaci. Percentageididdigar na iya bambanta daga ƙasa zuwa ƙasa, kuma babban bankin kowace ƙasa ya kafa shi cewa bankunan masu zaman kansu suna da nauyin da ya ƙunshi riƙe 10% na ajiyar azaman ajiyar kuɗi, haka kuma lokacin da mutum ya sanya dala dubu 10 a cikin banki, wannan bankin dole ne ya riƙe dala dubu a cikin takardar kuɗaɗen cikin baitul malin sa kuma ana iya amfani da sauran don ba da shi ga wasu ta hanyar bashi.
Wannan tsarin yayi aiki ta wannan hanyar saboda damar da duk kwastomomi suke so cire kudinka a lokaci guda yayi kadan, wanda yasa idan akwai kwastomomi 100 a banki wanda aka sanya kowane dala $ 2, za a tara jimillar $ 200, ta yadda bankin zai kasance yana da hakkin ajiyar Kashi 10, wanda yayi daidai da $ 20, yayin da sauran, wanda ya kai $ 180, ana iya amfani da su don wasu dalilai, kamar bada rance ga wasu mutane.
Misali, a ce a abokin ciniki ya ajiye dala miliyan a banki, bankin da aka ambata a baya na iya amfani da har zuwa 90% na ajiyar abokin ciniki don a ba shi rance ga wasu masu amfani, a wannan yanayin zai zama dala dubu 900. Yanzu a ce wani yana buƙatar rancen $ 200 don siyan gida, wani abokin ciniki yana buƙatar $ 300 don buɗe sabon kasuwancin kasuwanci, kuma wani mutum ya karɓi rancen $ 400 don duka siyan gidan. Tunda banki yana da $ 900 kawai daga ajiyar abokin ciniki na farko, yana iya ba da wannan jimlar ga duk mutanen uku.
Amma, bankin ba zai ba da dala dubu 900 a tsabar kudi ga abokan cinikinsa ba, a'a kara zuwa asusunka na bankiWannan yana nufin cewa kawai ana ƙirƙira kuɗi daga karce, adadi ne kawai a cikin bayanan asusun ajiyar banki. A saboda wannan dalili, dala miliyan da aka fara sakawa za ta ci gaba da kasancewa cikin tsabar kudi, kawai tare da tsarin ajiyarta, bankin na da damar kirkirar kudin har zuwa kashi 90 na adadin da aka ajiye a cikin kudi. Ta wannan hanyar, za a kara dala dubu 900 zuwa tsarin kudi.