Babban Bankin Turai (ECB) ya sake nuna cewa a shirye yake don taimakawa tattalin arzikin Al'umma a wasu lokuta masu yanke hukunci kamar na yau. Domin a zahiri, hukumar bada lamuni ta amince da sabon shirin rance ga bankuna domin bada tabbacin bada kudin ruwa. Har zuwa ma'anar cewa mafi girman matakin ta shine rage ƙimar riba akan TLTRO III rancen lokaci mai tsawo zuwa -1%. Gaskiyar da za ta iya ƙarfafa kasuwannin daidaito daga yanzu kuma musamman hakan na iya ɗaukar Ibex 35 zuwa matakan maki 8000, wanda shine burin ta na gaba don isa.
A farashin da muke da shi yanzu a kasuwar hada-hadar hannayen jari a kasarmu, babu shakka makasudin gaba na Ibex 35 shi ne ya kai matakin maki 8000. Shin wannan matakin zai yiwu da gaske a cikin zaɓin zaɓi na daidaitattun Mutanen Espanya? Isar da wannan ma'anar na nufin ƙarin darajar darajar kusan 10% don haka yana buƙatar kyakkyawan fata tsakanin ƙanana da matsakaitan masu saka jari. Kodayake a cikin gajeren lokaci yana da matukar rikitarwa don cimma shi, sam ba ma'ana ba ne a cikin matsakaici kuma musamman lokaci mai tsawo. Ba abin mamaki bane, ɗayan ɗayan sanannun goyan bayan bayanan ne yake nunawa a halin yanzu. Saboda haka, matakin ne wanda dole ne a sanya ido sosai daga yanzu zuwa yanzu.
A gefe guda, ba za a iya mantawa ba cewa raunin matan Bature abu ne gama gari don bayanin su. Inda, ya kamata wannan motsi ya kasance tare da ingantattun bayanai waɗanda muka sami masu rikitarwa a cikin halin yanzu. Tabbas, kyakkyawan faɗakarwa don cimma waɗannan burin shine ganowar allurar rigakafi ko magani don maganin coronavirus. A wannan halin, kasuwannin hadahadar hannayen jari na iya samun koma baya mai mahimmanci kuma a game da daidaiton lamura a cikin ƙasarmu na iya haifar da maki 8000 ko ma ƙarin matakan buƙata. Kuma wannan gaskiyar na iya faruwa a kowane lokaci kuma ta hanyar da ba zato ba tsammani ta ƙananan da matsakaitan masu saka jari.
Abubuwan buƙatu don maki 8000
Ofaya daga cikin buƙatun don isa waɗannan matakan farashin a kasuwar hannun jari ta Sipaniya, kamar yadda muka ambata, shine cewa shine zai zama gano maganin alurar riga kafi ko magani don maganin coronavirus. Wannan buƙata ce wacce dole ne a cika ta a yawancin akasarin masu canjin da manazarta ke gudanarwa a kasuwannin daidaito. Kodayake abu ne mai girma wanda yawancin wakilai na kudi ke sanya shi akai-akai. Saboda haka, yana da matukar wahala ƙananan da matsakaitan masu saka jari su hango lokacin haɓaka ayyukansu don samun fa'idodin ajiyar su. Ba tare da samun damar amfani da dabaru da yawa a harkar saka jari ba, aƙalla cikin gajeren lokaci daga matakan da suke yanzu.
Yayin da a gefe guda, ba za a iya mantawa da cewa wani abin da ake buƙata don wannan yanayin ya faru shi ne sake dawo da ayyukan tattalin arziki a ƙasarmu. Yanayin da za a iya aiwatar da shi cikin watan Yuni mai zuwa, kamar yadda gwamnatin ƙasarmu ta yi nazari. A gefe guda, dole ne a ga menene amsar daga mabukaci game da masu amfani kuma hakan na iya yin tasiri sosai a kan canjin yanayin zaɓen ma'auni a ƙasarmu. Musamman, don isa matakan maki 8000, wanda shine farkon lokaci na farfadowa a kasuwar hannun jari ta ƙasa a cikin nazarin fasaha.
Yankunan da zasu ja sama
Da zarar Ibex 35 zai iya kaiwa matakin maki 8000, zai zama dole ayi nazarin wanene sassan kasuwar hannayen jari waɗanda zasu iya amsa wannan yanayin a cikin kasuwannin canji masu canji. Da kyau, a ƙa'ida, mafi yawan hukuntawa har zuwa yanzu su ne waɗanda suka fi iya yin sa a cikin wannan sabon yanayin da tunanin da aka gabatar wanda aka gabatar a cikin Ibex 35. Tsaro, kamar na tsaka-tsakin, banki da kuma musamman na ɓangaren hutu da yawon buɗe ido. Zuwa lokacin da zasu iya gano matsayinsu kadan daga wannan lokacin cikin lokaci. A cikin wannan ma'anar, dole ne a jaddada cewa za su iya yin hawan hawa a cikin kasuwannin kasuwanci na fiye da 10% kuma saboda haka yana da sauƙi don samun fa'ida a waɗannan lokutan nazarin.
A gefe guda, dole ne a kuma jaddada cewa wani ƙimar da za ta iya yin kyau a cikin makonni masu zuwa shi ne wanda kamfanonin gine-gine ke wakilta. Inda akwai ƙimomi kamar ACS waɗanda suka ɓace daga ƙimar ƙasa da euro 40 zuwa yuro 12 a cikin 'yan kwanaki. Kodayake a cikin wannan yanayin, an riga an dawo da shi zuwa matakan da har yanzu ba su gamsar da bukatun ƙanana da matsakaitan masu saka jari lokacin da aka sa hannun jarinsa a ɗan fiye da euro 20. Wani abu mai kamanceceniya da abin da ya faru kwanakin nan ga wasu kamfanoni waɗanda aka haɗu a ɗayan mafi wakilcin sassan daidaiton lamura a ƙasarmu.
Matakai a cikin koma bayan tattalin arziki
Shakka babu wani daga cikin abubuwan da za su yi tasiri a kan canjin yanayin zabar kasa, Ibex 35, ya samo asali ne daga matakan koma bayan tattalin arziki na kasarmu. Saboda a zahiri, ayyukanta zasu zama ƙasa da mahimmanci daga wannan lokacin kuma saboda haka yana iya kasancewa ɗayan manyan masu cin gajiyar wannan sabon tsarin tattalin arzikin da aka gabatar mana a cikin watanni masu zuwa. Kuma daga wannan ra'ayi, babu wata shakka cewa hannun jarin na iya yin ƙima a kasuwannin daidaito a cikin watanni masu zuwa ko ma a mafi kyawun shari'oi a cikin shekaru masu zuwa. Kasancewa ɗayan fannoni don yin la'akari da haɗa shi cikin jarin mu na gaba. Daga kowane irin bayanin martaba a cikin ƙanana da matsakaitan masu saka hannun jari, daga mafi matsakaici zuwa mafi hadari kuma tare da kusan babu keɓaɓɓu na kowane nau'i.
A gefe guda, ba za a iya mantawa da cewa don samun natsuwa daga yanzu, kamfanoni da ke da wannan martabar kasuwancin ba za su kasance daga jakar kasuwancin ba. Akwai wasu da ke da wasu layuka daban-daban na kasuwanci waɗanda ke taimakawa kare matsayi daga sayayya daga masu amfani da hannun jari. Tare da ainihin yiwuwar cewa a ƙarshe zamu fara daga waɗannan motsi a cikin jakunkuna. Tunda bayan duk abin da ke tattare da irin wannan ayyukan a cikin mawuyacin lokaci don kasuwannin daidaito gaba ɗaya. Tare da haɗari mafi girma fiye da sauran lokutan tarihi saboda a cikin ɗan gajeren lokaci babu wani yanayin da ya bambanta sarai daga kowace irin hanya a cikin irin wannan alaƙar da ke cikin dunƙulewar duniyar kuɗi koyaushe.
Komawa al'ada
Tabbas, zai kasance wani ɓangaren da ya dace sosai don Ibex 35 ya iya kaiwa ga mahimmin matakin maki 8000. Don haka ta wannan hanyar, ana iya yin la'akari da matakan da suka fi buƙata daga watannin bazara kuma wannan yana ɗaya daga cikin mahimman manufofin gaggawa ga ƙanana da matsakaitan masu saka jari. A tsakanin wannan mahallin, zai zama wajibi ne a yi tunani game da waɗannan ranakun lokacin da zai zama da matukar mahimmanci a koma ga halin da ake ciki kafin faɗaɗa cutar coronavirus. A lokacin da kasuwannin daidaito na iya jin a yanzu cewa masu saka hannun jari sun yi amfani da haɓakar don siyar da matsayinsu akan kasuwar hannayen jari. A ɓangaren sama na tashar da aka haɓaka bayan sake dawowa wanda ya kawo zaɓin zaɓin kasuwar hannun jari a cikin ƙasarmu zuwa matakan maki 6000.
A cikin wannan yanayin gaba daya, don ƙaruwar ya zama abin dogaro, babu wani kyakkyawan yanayi don abubuwa su koma yadda suke, aƙalla game da komawar aiki da samar da tattalin arziki. Idan ba ta wannan hanyar ba, hawan kasuwar hannun jari ba zai zama mai daidaito ba don yin la'akari da yanayin ƙasa wanda ya fara a farkon makon Maris an shawo kansa. Saboda yawancin abubuwan da aka samu sun haifar da karfi sosai. Inda ba za a manta da shi ba cewa, duniya, Turai da kuma tabbas koma bayan tattalin arzikin Sipaniya ya shiga cikin tsarin kamfanonin da aka jera a kasuwanni.
Kuma abin da ake buƙata shi ne cewa ƙa'idar aiki a aiki gaskiya ce kuma ta wannan hanyar, Ibex 35 na iya ɗaukar wannan yanayin dangane da daidaituwar farashinsa. Tare da yiwuwar cewa ana iya jagorantar shi zuwa mafi tsayi fiye da waɗanda aka tashe a wannan labarin. Yana da, bayan duk, ɗayan mafi mahimmancin manufofi ga ƙanana da matsakaitan masu saka jari daga yanzu.
Tsarin ƙididdigar layin ƙimar
Binciken Valarin Layi na saka hannun jari mai yiwuwa shine mafi shahara saboda tabbataccen tsarin tsarin zamani wanda yakai kusan 1.700 hannun jari dangi da juna don aiwatar da farashi akan watanni shida zuwa 12 masu zuwa, da Tsaro ™. An tsara Darajar Kayan Layi mai Daraja don hango canjin ƙididdigar farashin jari na tsawon watanni uku zuwa shida. A kowane yanayi, an tsara hannun jari daga 1 zuwa 5, tare da 1 kasancewa mafi girman matsayi.
Matsakaicin Layin ueimar Damar. Daga wannan hangen nesa, ya kamata a lura cewa darajar layin ƙimar dangane da lokacin aiki yana auna yuwuwar aikin kusan farashin kusan hannun jari 1.700 a tsakanin watanni shida zuwa 12 masu zuwa akan sikelin da zai iya fahimta daga 1 (mafi yawa ) zuwa 5 (mafi ƙarancin) Bangarorin tsarin ƙididdigar layin ƙimar don lokaci ya haɗa da dalilai kamar yanayin shekaru 10 na samun kuɗaɗen shiga da ƙimar dangi, kuɗin da aka samu kwanan nan da canjin farashi, da abubuwan mamakin samun kuɗi.
Duk bayanan gaske ne kuma sanannu ne. Shirye-shiryen kwamfuta sun haɗu da waɗannan abubuwan a cikin tsinkayar canjin farashin kowane haja, dangane da duk sauran hannun jari na watanni shida zuwa 12 masu zuwa. Halittar Layin ueimar Daraja ta 1.700 tana wakiltar kusan 90% na ƙimar kasuwa na duk hannun jari akan musayar Amurka.
-Rank 1 (Mafi Girma): Waɗannan hannun jari, a zaman ƙungiya, ana saran suyi mafi kyau dangane da duniyar Layin Valimar a cikin watanni shida zuwa 12 masu zuwa (hannun jari 100).
-Rank 2 (Sama da Matsakaici): Waɗannan hannun jari, a zaman ƙungiya, ana tsammanin suyi aiki mafi kyau fiye da matsakaicin farashin dangi (hannun jari 300).
-Rank 3 (Matsakaici): Waɗannan hannun jarin, a zaman ƙungiya, ana saran suna da kusan farashin kusan kwatankwacin layin Duniyar Layi (kusan 900 hannun jari).
-Rank 4 (Belowasa Da Matsakaici): Waɗannan hannun jari, a zaman ƙungiya, ana saran suna da darajar farashin dangi ƙasa da matsakaita (kimanin hannun jari 300).
-Rank 5 (Mafi qarancin): Waɗannan hannun jari, a zaman ƙungiya, ana tsammanin yin mafi munin cikin farashin dangi (hannun jari 100).
Canje-canje a cikin kewayon dama na iya haifar da:
-Rahotan sabbin kudaden shiga ko hasashen kamfanin.
-Canje-canje a cikin motsi na farashin rabo dangane da kusan ragowar 1.700 na hannun jari.
-Bambance-bambance a cikin matsayin dangin sauran hannun jari.
Tsarin aminci na layin ƙimar
Matakan saka hannun jari na biyu shine Matsayin Tsaro wanda Lineimar Layi ta sanya wa kowane ɗayan kusan hannun jari 1.700. Wannan zangon yana auna yawan haɗarin hannun jari dangane da kusan sauran hannun jari 1.700. An samo asali ne daga Stididdigar Tsaran Kuɗi na hannun jari da ƙimar ƙarfin ƙarfi na kamfani, duka ana nuna su a ƙasan kusurwar dama na kowane shafi a cikin ƙididdigar Layin Daraja da rahotanni. Hakanan ana ba da ƙimar lafiya a sikeli daga 1 (mafi girma) zuwa 5 (mafi ƙasƙanci) kamar haka:
-Rank 1 (Mafi Girma): Waɗannan hannun jari, a zaman ƙungiya, sune mafi aminci, kwanciyar hankali kuma mafi ƙarancin saka hannun jari dangane da sararin Layin ueimar.
-Rank 2 (Sama da Matsakaici): Waɗannan hannun jari, a zaman ƙungiya, sun fi aminci kuma basu da haɗari fiye da yawancin.
-Rank 3 (Matsakaici): Waɗannan ayyuka, a matsayin ƙungiya, suna da haɗarin haɗari da tsaro.
-Rank 4 (Belowasan Matsakaici): Waɗannan hannun jari, a zaman ƙungiya, suna da haɗari kuma basu da aminci fiye da yawancin.
-Rank 5 (Mafi qarancin): Wadannan hannun jari, a kungiyance, sune mafiya hadari da kuma rashin aminci.
Hannayen jari masu manyan mukaman tsaro galibi ana danganta su da manyan kamfanonin ingantaccen kudi; Waɗannan kamfanonin guda ɗaya suma suna da ɗan ragi kaɗan fiye da ƙimar girma na ci gaba saboda kasuwannin su na farko suna da haɓaka a hankali ko a'a. Hannayen jari tare da ƙaramin jeri na aminci suna haɗuwa da ƙananan kamfanoni da / ko rauni fiye da matsakaicin kuɗi; a gefe guda, waɗannan ƙananan kamfanoni wasu lokuta suna da tsammanin ci gaban ƙasa saboda sun fara da ƙarancin kuɗin shiga da tushen riba.
An haɗa shi zuwa lokacin koma bayan tattalin arziki
Tsaro yana da mahimmanci musamman a lokacin koma bayan kasuwar hannun jari, lokacin da yawancin masu saka hannun jari ke son ƙoƙarin iyakance asarar su. Kamar yadda yake da dama, rikodin aminci tsawon shekaru yana da ban sha'awa. Lokacin da ake nazarin bayanan, ana gano cewa hannun jari tare da babban Tsaro gaba ɗaya ya faɗi ƙasa da kasuwa gabaɗaya lokacin da farashin hannun jari ya faɗi. Tebur mai zuwa yana nuna yadda jeren Tsaro da aka yi a cikin duk manyan kasuwannin kasuwa tsakanin 1966 da yanzu.
Darasin a bayyane yake. Idan kuna tunanin kasuwa tana zuwa ƙasa, amma kun fi son riƙe cikakken matsayin saka hannun jari a hannun jari, ku mai da hankali kan Matsayin 1 ko 2 na hannun jari na Tsaro. Hakanan, a lokaci guda, yi ƙoƙarin kiyaye jakar fayil ɗinka kamar yadda ya kamata don Damar. Kila ba za ku iya samun hannun jari tare da babban matsayi a cikin waɗannan lamuran biyu ba. Sannan dole ne ku yanke shawara wanda ya fi mahimmanci: aiwatar da farashi a cikin watanni shida zuwa 12 masu zuwa, ko aminci. Yarjejeniyar da ta haɗa da zaɓar hannun jari da aka ƙaddara 1 ko 2 don yin aiki a kan lokaci da 1 ko 2 don aminci na iya zama abin da za a yi la'akari da shi.
A kowane hali, ya zama dole a jaddada gaskiyar abin da ake kira layin Valimar Layi wanda ya kai hannun jari 1.700 yana wakiltar kusan 90% na kasuwancin kasuwa na duk hannun jarin da aka saya akan musayar hajojin Amurka. A matsayin ɗaya daga cikin zaɓin saka hannun jari, misali, a cikin zaɓin zaɓi na daidaito a ƙasarmu.