Babu shakka cewa nauyin manufofin kuɗi yana ƙara yin tasiri ga haɓakar jarin ku. Zuwa ga ma'anar cewa zai iya samun kuɗi ko asara dangane da shawarar ku. Ba wai kawai idan ya zo yankin Euro ba. Amma kuma a wancan gefen Atlantic. Nauyin nauyin kuɗin yana ɗaukar mafi yawan abin da ke faruwa a cikin 'yan shekarun nan. Duk manazarta harkokin kudi suna sane da shawarar da aka ɗauka daga Babban Bankin Turai (ECB) ko Tarayyar Tarayyar Amurka (FED). Ba abin mamaki bane, kyakkyawan ɓangare na ƙungiyoyi a cikin daidaiton duniya ya dogara da ayyukansu.
Daga wannan yanayin da aka gabatar ta hanyar tsarin kudi a matakin kasa da kasa, raguwar abubuwan da ake hangowa na sabuwar shekara sun sami karfi na musamman. A wannan ma'anar, bankunan tsakiya suna mana jiran duk wani tsinkayen tattalin arziki a cikin 2018. Manufofin wannan yankin na tattalin arziki suna fitowa a matsayin ɗayan maɓallan tattalin arziki waɗanda za a yi la'akari da su na shekara mai zuwa. Zuwa ga cewa zai ƙayyade shigarku ko fitarku a cikin kasuwannin kuɗi. Koda a matakin farashin da zaku tsara ayyukan. Aiki wanda dole ne ya zama dole ku sami al'adar kuɗi mafi girma fiye da ta wasu dabarun saka hannun jari.
Ofaya daga cikin misalai mafi kyau shine wakiltar Babban Bankin Turai (ECB) A lokacin ta riga ta sanar da cewa kowane wata adadin shirin sayan bashin gwamnati da na masu zaman kansu zai ragu daga 60.000 zuwa 30.000 miliyan a kowane wata. Koyaya, kuma ba tabbas ba ne cewa wannan gaskiyar za ta ci gaba a cikin shekara mai zuwa. Ba abin mamaki bane, akwai muryoyi da yawa waɗanda ke gargaɗin cewa wannan rage yana iya aiwatar da ƙarin kuɗin sha'awa a cikin 2019. A kowane hali, gwargwadon aikace-aikacensa, za a ji shi ƙasa da ƙasa a cikin kasuwannin daidaito.
Manufofin kuɗi: tsayayyen kudin shiga
Ba duk abin da ke cikin saka hannun jari ke zuwa ga daidaito ba, nesa da shi. Amma kuma ya kai tsayayyen kudin shiga a matsayin daya daga cikin hanyoyin da kanana da matsakaita masu saka jari suke da shi. Ta wannan ma'anar, kadara ce mafi rauni tunda tana tasiri a waɗannan lokutan lokacin da ƙimar riba ke ƙasa koyaushe. Kodayake an riga an gano 'yar tashin hankali a cikin wannan ajin na gyara kudaden shiga ayyukan. Misali, a cikin samfuran banki na rayuwa (ajiyar kuɗi na ɗan gajeren lokaci, asusu masu biyan kuɗi ko ma rubutattun bayanan izini na kamfanoni). Da kyau, a wannan lokacin suna da ƙarancin ƙofar 1%.
A gefe guda, abin lura ne ma cewa manufofin kudi suna da tasirin tasiri kan halayyar ci gaba a cikin kasashen. Har zuwa ba da jagorori kan dabarun da gwamnatoci za su yi amfani da su. Ana iya cewa wasu ƙananan riba yana amfanar masu saka jari. Yayin da akasin haka, manyan waɗanda abin ya shafa su ne masu ceton. Ba a banza ba, sun rasa ikon siyarwa tare da kwangilar samfuran banki mafi dacewa. Don haka, akwai muhimmin bambanci tsakanin wakilai daban-daban na tsarin tattalin arziki.
Tasiri kan daidaito
Sauran la'akari daban-daban sune waɗanda ke da alaƙa da kasuwannin daidaito. Saboda tsarin tattalin arziki na yanzu na ƙananan ƙimar ya haifar da kasuwar hannun jari da aka yaba a duk tsawon waɗannan shekarun. Duk da komai, kimantawa ba ta da kyau musamman a kasuwar jari. Har zuwa cewa mafi girman damar kasuwancin suna cikin kasuwanni masu tasowa. A waɗannan lokutan ne mafi girman damar sake kimantawa. Saboda raguwar kasuwannin hada-hadar kudi na yamma. A wasu lokuta, sama da matakin 10%. Misali, a cikin wasu ƙasashen Asiya ko Gabashin Turai.
Koyaya, aikace-aikacen wannan dabarun cikin saka hannun jari yana buƙatar haɗari mafi girma a cikin ayyuka. Gaskiya ne cewa zaku iya samun ƙarin kuɗi, amma saboda waɗannan dalilan guda zaku iya barin kuɗi mai yawa akan waɗannan tafiye-tafiye na kuɗi na musamman. Wani abu ne, a gefe guda, wanda zaka rayu dashi da shi daga yanzu. Higherarin ribar da aka samu, hakan yana da haɗarin haɗari cewa dole ne ka ɗauka daga yanzu. Kodayake a gefe guda, kyakkyawan ɓangare na masu nazarin harkokin kuɗi suna la'akari da cewa babban ƙimar waɗannan ma'aikatun yana cikin Turai da Amurka. Kasuwannin waɗanda sune manyan masu karɓar gudummawar kuɗin ku.
Advancedarin ci gaba da Tarayyar Tarayya
Game da manufofin karin kudaden ruwa, babu wata tantama akwai wasu banbanci dangane da tsarin kudin da aka aiwatar a bangarorin biyu na tekun Atlantika. Saboda a zahiri, Tarayyar Tarayyar Amurka ta ci gaba sosai kuma tare da dukkan ƙuri'un don fara a Tsarin al'ada na kudaden ruwa na shekara mai zuwa. Tare da tasiri na baya akan dukiyar kuɗi daban-daban. Dukansu a cikin abin da ke nufin tsayayyen kudin shiga, kamar yadda yake cikin canjin canji. Amma har ila yau a cikin sauran kasuwannin hada-hadar kuɗi, irin su waje tare da alamar ɗayan mafi dacewa.
A yanzu haka ba a tsammanin babban canje-canje a cikin farashi saboda matakan da suke masu tsammanin tattalin arziki daban-daban suke tsammani. Wannan zai fassara cikin aiki ta yadda ba zaku sami mamakin wuce gona da iri ba ta fuskar saka hannun jari idan kuna fuskantar wannan yanki da kowane ɗayan kasuwannin kuɗi da aka zaɓa. Ba abin mamaki bane, ana tsammanin waɗannan ƙungiyoyi zasu ɗauki daysan kwanaki ko makonni bayan aiwatar da tsare-tsaren ƙungiyoyin kuɗi na kowace ƙasa ko yankin tattalin arziki gama gari. Daga wannan ra'ayi bai kamata ku sami matsaloli da yawa don kiyaye saka hannun jari daga yanzu ba.
Potentialimar sakewa
A cikin kowane hali, abin da aka saba a cikin waɗannan sharuɗɗa shi ne cewa kuna ci gaba da samun fa'ida ta hanyar waɗannan kadarorin kuɗi. Kodayake watakila ba tare da tsananin hakan ba sai yanzu. Tare da ƙananan haɗari idan aka kwatanta da kasuwannin tsohuwar nahiyar. A wannan ma'anar, babu wasu 'yan ƙididdigar kasuwa waɗanda ke tunanin cewa waɗannan tasirin sun riga sun kasance an yi rangwame daga farashin jari. Wani abu da za a iya aiwatarwa bayan zaman ciniki da yawa a cikin watanni goma sha biyu da suka gabata. A kowane hali, ba za ku sami wasu matsalolin da ke da mahimmanci na musamman ba. Amma akasin haka, tsari ne wanda ke da fifiko a gaba ta Tarayyar Tarayyar Amurka.
Wannan baya nufin cewa daga yanzu, daidaiton kaya ba zai baku tsoro ba. Domin ba zai zama haka ba, amma zai samar da canje-canje a cikin 'yan kwanaki kadan da kirkirar sa. Baya ga yanayin da kasuwar hannayen jari ta Amurka take da shi a wancan lokacin. A halin yanzu yana da mahimmanci tare da rikodin tarihin da ya isa cikin waɗannan watanni. Yanayin da ba zai iya kaiwa ba idan bambancin manufofin kuɗi sun kasance mafi tsattsauran ra'ayi fiye da yadda yake a ƙarshe. Duk da haka dai, alama ce da zata taimaka muku ku sani mafi aminci menene matakan shiga da fita kasuwannin daidaito. Kuma ta wannan hanyar, inganta duk ayyukan da kuka buɗe.
Jira a yankin euro
Wannan yanayin ya kasance akasin abin da ke faruwa ga membobin Tarayyar Turai. Inda kwanakin basu cika bayyana ba kuma wasu abubuwan mamaki zasu iya faruwa. Daga cikin wasu dalilai, sharuɗɗan sun fi sassauƙa kuma suna iya ma jinkirta cikin lokaci. Kodayake illolinta za su fi aiki. Tare da sakamakon haɗari don motsi a cikin kasuwar hannun jari. Hakanan yakamata ku faɗi cewa wani abu ne wanda kuma zai iya faruwa tare da tsayayyen kudin shiga da madadin saka hannun jari. Tare da iko da iko akan dukkan ayyukan ku don a sanya tsaro a cikin bayanin kuɗin ku.
A cikin kowane hali, babu abin da ya fi dacewa da sanin duk alamun da ke nuna cewa taron shugaban babban bankin Turai (ECB), na Italiyanci Mario Draghi akan niyyar canza manufofin kuɗi na wannan ɓangaren na duniya. Zai yi aiki domin ku kasance cikin kyakkyawan yanayi don sabuntawa ko bambanta jakar ku na ƙimomi don inganta sakamakon saka hannun jarin ku. Tabbas shine mafi kyawun dabarun da zaku iya amfani dasu don hango waɗannan ƙungiyoyi a cikin kasuwannin daidaito. Domin kuma ba zai zama mai rikitarwa ba don aiwatar da su saboda suna da sauƙin shiga a cikin babban ɓangare na kafofin watsa labarai na musamman.
Da alama ragin kuɗin ruwa zai jira na fewan watanni, amma a halin yanzu babu takamaiman ranar da za a fara wannan shawarar da alama tuni hukumomin kuɗi na tsohuwar nahiyar suka ɗauka. Saboda mafi kyawun yanke shawara don kare muradin ku zai dogara ne da ƙoƙari ta kowane hanya don hango abubuwan da zasu iya faruwa daga yanzu. Yana daya daga cikin manyan manufofin ku a cikin duniyar saka jari.