A lokuta da yawa, sanin wanene ƙimar da ta kasance mafi munin aiki a cikin jerin zaɓaɓɓukan zaɓaɓɓu na Mutanen Espanya na iya zama bayani mai taimako ƙwarai don gudanar da kundin darajar mu. Ba wai kawai a matsayin dabara ba don sanin wane shawarwari ya kamata ku ƙi don samun ribar tanadi mai fa'ida. Amma kuma ya zama sane da wani Canjin yanayin hakan na iya ɗaukar farashin su zuwa matsayin babban fa'idodi don bukatun ku. Ko ta yaya, wani yanki ne na bayanai na masarufi na musamman ga duk kanana da matsakaita masu saka jari. Har zuwa cewa zai ba ku a pista mafi haƙiƙa game da halin da kuke ciki yanzu. Kodayake ba don matsakaici da dogon lokaci ba.
Daga wannan yanayin, mafi mahimman bayanai shine wanda ya dogara akan gano wanda shine jan fitilar Ibex 35. A cikin shekarar da wannan mahimmin darajar hannun jarin tsohuwar nahiyar ta samu godiya kadan a kan 10%. Tare da kewayon a cikin zaman 52 na ƙarshe a cikin daidaito wanda ke motsawa a cikin kewayon da ke zuwa daga maki 8.500 da maki 11.000. Duk wannan, a cikin aikin da priori bai yi kama da an ƙaddara shi don nuna waɗannan kyawawan matakan da take kiyayewa a halin yanzu ba. Har zuwa cewa wasu manazarta harkokin kudi sun yi hasashen gyara a cikin farashin farashin su.
A gefe guda, ba za a iya mantawa da hakan ba Darajojin Spanish suna da kyakkyawan yanayin wannan shine shekaru da yawa. Kuma babu kokwanto cewa a wani lokaci dole ne a karya wannan yanayin, koda kuwa ta hanyar tashin hankali sosai, kamar yadda wasu masana a kasuwannin hadahadar kudi ke ishara. Wannan kusan shine yanayin kasuwar hannun jari ta ƙasa a wannan shekarar. Lokacin da 'yan makonni suka rage don yin daidaitaccen ƙarshe na halayenta yayin 2017. Inda yana da matukar bayani don bincika waɗanne ne mafi kyau da munanan dabi'u na zaɓin zaɓi.
Mapfre a ƙasan ƙimomin a cikin 2017
Ofaya daga cikin mahimman bayanai game da canjin canjin ƙasa shine cewa kamfanin inshora na Mapfre shine mafi ƙarancin darajar Ibex 35 a wannan lokacin kuma har zuwa yanzu. Tare da farashin kowane juzu'i na Yuro 2,72, wanda ke wakiltar ragi a ƙimarta kusan 6%. Ya bambanta da sauran shawarwarin da ke nuna wani cigaba. A wasu lokuta, koda tare da godiya sama da 10%. Matakansa a cikin zaman ciniki na 53 da suka gabata sun taƙama a ƙarƙashin raƙuman da ke da faɗi sosai a cikin waɗannan watanni. Tsakanin Yuro 2,53 da 3,30 akan hannun jari, wanda ya nuna cewa a yanzu yana cikin ƙaramin rukuni na farashin sa. Lamarin da zai iya kiran ku kuyi siye da niyyar isa manyan matakan wannan zangon farashin.
A gefe guda, Mapfre yana da Sakamakon riba na yanzu na 5,35%. A kan mafi girman girman wannan raba riba tsakanin masu hannun jari. Don haka ta wannan hanyar, kuna da tsayayyen kuma tabbataccen kudin shiga kowace shekara. Ta hanyar dabaru na musamman don ƙirƙirar ƙayyadadden kudin shiga tsakanin masu canji. A matsayin karin kwarin gwiwa domin ku sami damar daukar matsayin daga wannan daidai lokacin. Kari akan haka, kuna fuskantar tsaro na ruwa wanda yake musanya adadi mai yawa na kowane hannun jari. Inda ba za ku sami matsala kasancewa da ƙugiya ba. Kamar yadda lamarin yake tare da tsakiyar kasuwa kuma, sama da duka, ƙananan iyakoki.
Haƙ inƙa a cikin gajeren lokaci
Hannayen jarin inshorar Mapfre suna cikin yanayin ƙasa a cikin gajere da matsakaici. Bayan yin alama highs a cikin watan Afrilun da ya gabata a matakan euro 3,3 a kowane kaso. Ya bambanta da sauran ƙimomin muhallinsa mafi kusa. Babu wasu alamu har yanzu da zasu nuna canji a halayensa. Kuma cewa zasu iya baka damar ɗaukar matsayi a cikin wannan kamfanin da aka lissafa. Yana bayan duk ɗaya daga cikin manyan rauninku lokacin nazarin kasancewar ku a cikin daidaito wannan shekara. Tabbas, bai zama mai gamsarwa ba kamar yadda ƙanana da matsakaitan masu saka jari zasu so a farkon wannan shekarar.
A kowane hali, kuna iya ganin yadda a cikin ɗan gajeren lokaci zai sami tallafi na ɗan lokaci kusan Yuro 2,5, kafin yankunan da aka sasanta sosai kamar Yuro 2,2. Amma suna mantawa cewa ayyukan tallace-tallace suna ƙaruwa ta hanyar masu nazarin kuɗi. Musamman, bayan karya mahimmin shingen Euro 3,20. Wato, ra'ayin kasuwa a halin yanzu a fili ya zaɓi tallace-tallace. Saboda haka, babu fata da yawa cewa zai sake tashi a cikin watanni masu zuwa. Aƙalla don ƙarshen shekara kuma wannan ya riga ya zama ɗan gajeren lokaci kaɗan don haɗari a cikin sayayyar ku.
Rage amfanin wannan bazarar
Sakamakon kasuwancin Mapfre bai kasance mai kyau ba kamar yadda ake tsammani daga kasuwannin kuɗi. Ba ƙasa da yawa tun farkon mai inshorar Spain, wanda aka samu tsakanin Janairu zuwa Satumba a ribar ribar Euro miliyan 444,6. A aikace yana nufin kasa da shekara 22,3%, saboda farashin bala'o'in kwanan nan da aka yi rajista a Arewacin Amurka da Caribbean, kamar yadda mahallin kanta suka bayyana. Hakanan ya kara da cewa ba tare da an samar da wadannan abubuwan ba, da ribar da aka samu zata bunkasa da kashi 8,6%. Bambanci wanda ke bayanin canjin kamfanin a cikin makwannin da suka gabata.
Wata hujja mai ban sha'awa wacce waɗannan sakamakon ke nunawa shine na batun biyan masu hannun jari, kuma duk da raguwar riba, kwamitin gudanarwa ya amince da raba riba saboda sakamakon 2017 na 6 euro cent a kowace rabo. Duk da komai, darajar da aka samu a karshen watan Satumba ta kai yuro miliyan 10.792, yayin da daidaito ya kai euro miliyan 8.781, kuma jimillar kadarorin ta kai Euro miliyan 67.733. A kowane hali, sakamakon bai samu karbuwa sosai ba daga kasuwannin kuɗi. Gaishe su da raguwar gabaɗaya waɗanda ba su cika masu saka jari waɗanda ke son sanya kansu cikin wannan ƙimar ɓangaren inshora da kyakkyawan fata ba.
Ingantaccen bincike game da kamfanin
Kamar yadda aka nuna a cikin wannan labarin, ra'ayin masu ba da kuɗin kuɗi ba shi da tabbaci sosai tare da wannan zaɓi na hannun jari. Amma koyaushe akwai wasu masu shiga tsakani na kudi waɗanda ke ganin abubuwan da ake tsammani ta wata fuskar. Wannan shine takamaiman batun manazarta na XTB waɗanda suke nuni da gaskiyar cewa mafi munin ya riga ya wuce ga Mapfre kuma suna kimanta cewa Farashin farashi yana kusa da yuro 3 a kowane fanni a cikin matsakaici. Har zuwa lokacin da suke ganin canje-canje masu mahimmanci a cikin wasu alamun don tallafawa wannan canjin yanayin. Tare da abin da zaku sami darajar kimantawa sosai kusa da matakan 5%.
Koyaya, don ƙetare mahimmin shinge na Yuro 2,48 a kowane take yayi daidai da na baya na tallafi, yanayin zai bambanta sosai. Domin a wannan farashin yakamata kuyi la'akari da yankin tallace-tallace. A wannan ma'anar, 'yan kwanaki masu zuwa za su kasance masu dacewa sosai don ƙayyade alkiblar yanayin da zai ɗauka daga yanzu. Don haka zaku iya yanke shawara tare da ƙarin tushen fasaha. Ba abin mamaki bane, hannun jari na Mapfre ɗaya ne wanda ƙanana da matsakaitan masu saka jari ke mai da hankali sosai. Musamman ga waɗanda ke da tsayayyen ra'ayin mazan jiya ko bayanan kariya a tsarin su na daidaita kasuwannin.
Cimma burinsu
Hakanan ya cancanci tsammanin sha'awar ƙoƙarin cimma burin kasuwancin ku duk da bala'o'in da suka faru a wannan bazarar. A kowane hali, kamfanin da kansa yayi la'akari da cewa sakamakon yana nuna cewa kamfani ne mai ƙarfi. Cewa har ma an shirya shi don sarrafa kowane irin bayyanuwar halitta, kamar waɗanda suka faru a wannan bazarar. Sun nace cewa " ƙarfi da ƙarfin kuɗi na Mapfre babu shakka kuma muna ci gaba da dabarun ci gabanmu mai amfani. " Wannan lamarin na iya rayar da farashi, aƙalla a matsakaici da kuma dogon lokaci.
A kowane hali, kuma a matsayin kyakkyawan yanayi a cikin ƙimar, yana ɗaya daga cikin shawarwarin daidaito waɗanda ke da mafi girma godiya na watanni goma sha biyu masu zuwa. Saboda mummunan hali a cikin wannan shekara don zama mafi ƙarancin darajar Ibex 35. mararancin da zai dawo dashi daga farashin yanzu yana da yawa. Kuma hakika yafi ƙari game da wasu ƙimar ƙa'idodin zaɓin zaɓi. Misali, BBVA, Repsol, Iberdrola ko Red Eléctrica, daga cikin wasu kamfanoni masu dacewa.
Daga wannan ra'ayi, akwai abin da za ku samu fiye da hasara daga yanzu. Kodayake an ba ku cewa ku ɗauki haɗarin da irin wannan ayyukan ya ƙunsa a kasuwannin daidaito. A wannan ma'anar, ƙila za a jarabce ku don buɗe matsayi a ɗaya daga cikin ƙimar halayen halayen masu zaɓin Mutanen Espanya. Amma la'akari da halin da kake ciki yanzu. Ba tare da kasancewa ɗayan shuɗar shuɗuɗen kayan jaka na Sifen ba, yana ɗaya daga cikin manyan caca tsakanin ƙananan kamfanoni da matsakaita.