Overananan shekaru 4 da suka gabata, a cikin Fabrairu 2016, mun ga mummunan Euribor a karon farko a tarihi. Ga waɗanda ba su sani ba, Euribor shine matsakaicin kuɗin ruwa wanda manyan bankuna a yankin Euro ke ba da rance. Wancan ne, idan sha'awar ba ta da kyau, samar da wannan kuɗin yana ƙunshe da ƙaramin adadin kuɗi fiye da adadin da aka bayar da farko. Shin wannan wani abu ne mai riba? A'a, ma'ana tana gaya mana cewa ba za mu ba da kuɗi a madadin ƙasa da abin da aka aro ba. Kuma wannan ita ce tambaya, ta yaya wannan ya zama.
A cikin wannan labarin zamuyi magana game da dalilin da yasa Euribor yayi mummunan. Fa'idodi a cikin neman sake farfado da tattalin arziki, da kuma yadda wannan dabarar rashin hankali wacce ta sabawa halin yanzu ya zama dole.
Duba kadan zuwa baya
Kafin rikicin kudi ya barke Euribor ya kai 5'393%, wannan ya kasance a cikin 2008. Da zarar an kai wannan matsakaicin matsakaicin, raguwar raguwa cikin rarar riba ya fara. Bayan shekara guda, a cikin 2009, zamu iya ganin Euribor a kusan 1%, ya ɗan tashi zuwa wani lokaci daga baya, amma a cikin 30 ya faɗi 2012% a karon farko. 1 shekaru baya, a cikin 4, mun ga Euribor mara kyau a karon farko. Yawancin masu adanawa za su tuna da waɗannan shekarun. Mutanen da suka saba amfani da riba daga ajiyar su ta hanyar ajiyar banki, a karon farko ba su da kusan riba (kusan 2016%).
Dukkanin rikicin kuɗi da aka yi wa rauni bayan haɗarin Lehman Brothers ya zama dole a biya shi. Babban bankunan sun fara bayar da kudi tare da bayar da lamuni ga bankunan da ke yankunansu. Dole bashi ya gudana, dole kudi su motsa, kuma dole ne a sanya kamfanoni da iyalai su nemi kudi kuma.
Wanene ya yanke shawara cewa mummunan Euribor ya ci gaba kuma saboda wane dalili?
Game da maslaha ne alama ce ta Babban Bankin Turai ta hanyar bada bashi ga bankuna. Ofaya daga cikin dalilan, kamar yadda aka ambata a baya, shine don samun daraja da kuɗi don gudana, ma'ana, don ƙarfafa amfani. Wannan sharadin yana inganta ne da manufar kara hauhawar farashi a hankali. Duk da cewa manufofin kudi don kara hauhawar farashin kaya sun kasance tsawan shekaru, amma ba a cimma su cikakke ba. Faduwa a cikin albarkatun kasa kamar su mai ko wasu kayayyakin da ake fitarwa na kasashen duniya, tare da karancin amfani da ke "matsa" farashin, yana hana hauhawar farashin kaya. A matsakaiciyar hanya, ana iya cewa yana da ƙoshin lafiya, maɗaukaki yana da lahani ga tattalin arziƙi. Hakanan kuma hauhawar hauhawar farashin kayayyaki, ma'ana, taɓarɓarewa, shima mummunan abu ne ga tattalin arziƙi.
Saboda koma bayan tattalin arziki, iyalai sun fara adana ƙarin, saboda tattalin arziƙi yana tafiyar hawainiya. Karuwar rashin aikin yi da wahalar samun lamuni ya jaddada rikicin. Koyaya, idan za a sake kunna tattalin arzikin da dole ne ku cinye kuma abin da mutane suka yi ya sami ƙarin adana saboda suna cikin koma bayan tattalin arziki, hakan ya haifar da da mai ido. Wannan rikice-rikicen ya haifar da karancin kuɗi, kuma saboda wannan dalili ya fara ƙarfafa aron ta rage ƙimar riba, ma'ana, rage farashin rancen kuɗi. Saboda wannan dalili, ƙara kuɗin ruwa wani abu ne wanda, kodayake ana tsammanin, ba za a iya yin sa ba. Zai iya hana aikace-aikacen bashi, sabili da haka, amfani zai iya shafar.
Fa'idodi da rashin amfani na Euribor mara kyau
Tunanin inganta abubuwan amfani bisa manufofin kuɗi yana da fuskoki biyu. Fahimtar yadda mummunan Euribor ke shafar ba kawai zai taimaka muku don fahimtar halin tattalin arziki a cikin Yankin Tarayyar Turai ba, har ma da kuɗin ku na sirri.
Fa'idodinsa sun haɗa da, a matsakaita, iya samun dama lamunin gida a karamin riba. Idan jinginar ta kasance a cikin canji mai saurin canzawa, galibi ana iya lura da shi lokacin da Euribor ya faɗi, tunda yana yiwuwa a biya ƙasa, wanda ke fassara zuwa tanadi don aljihunan. Don jinginar gidaje, waɗanda ba 'yan kaɗan ba kuma al'ada ce saboda tsoron biyan kuɗi mai yawa, yawanci sauyin Euribor galibi ba a lura da shi. Ta hanyar samun ƙarfin iya adanawa, iyalai na iya samun ƙarin albarkatun da za su cinye, wanda wannan ke ƙarfafa haɓaka daga ɓangarorin kamfanoni. Ta wannan hanyar, duk wannan zagayen a rufe yake, kuma ya ƙare har ya amfanar da mu duka.
Daga cikin rashin ingancin sa shine yawan farashin kuɗi yayi ƙanƙani, ma'ana, hakane yana fifita amfani ga cutarwa na ajiya. Sauran hanyoyin inda za'a sanya su da haɓaka babban birnin suma sun ragu. Euribor mara kyau shine mafita don gajere ko matsakaici, amma ba na dogon lokaci ba.
Gaskiyar gaskiyar ita ce, masu adanawa da yawa sun yanke shawarar saka hannun jari kuma su sanya kuɗinsu suyi aiki, wasu a kasuwar hannayen jari, wasu kuma suna ƙirƙirar sabbin kasuwanci ... Ban sani ba shin wannan fa'ida ce ko rashin fa'ida ce, saboda lokacin da sanin hakan yayi ƙasa , ba kasafai yake samun sakamako mai kyau ba. Koyaya, hakan yana motsawa kuma ya koyar mafi kyau da sababbin hanyoyi zuwa ga mutanen da da basu taɓa nemansu ba.
Makomar Euribor nan gaba
Kafin annoba ta wanzu, hasashe na gaba ba koyaushe zai iya zama daidai ba, amma tabbas sun fi ƙarfin yanayi. Ra'ayin tattalin arziki na yanzu ya ɗan yi kama da tattalin arziki, wato, ya juye da juzu'i. Tare da wadatattun tsare tsare da aka sha wahala a wannan Maris na 2020, mun ga Euribor ya faɗi ƙasa da tarihi, don haka a cikin ƙasa da wata guda ya sami dawowar nasara (har yanzu a cikin yankin mara kyau). A cikin watanni masu zuwa har zuwa yanzu, yana ci gaba da raguwa, amma a hankali.
Ana tsammanin cewa a wannan shekara da kuma aƙalla na gaba, Euribor zai ci gaba a cikin mummunan yanki. Kusan -0% na 25 da -2020% na 0. Koyaya, ana iya canza wannan duka, gwargwadon tasirin tattalin arziƙin wannan annoba, amsoshin da aka bayar a siyasance, kuma ba shakka, kan yadda Babban Bankin Turai ya yanke shawarar fuskantar yanayi daban-daban na gaba. A ƙarshe, babban iko da iko don yanke shawara ko haɓaka ko rage Euribor shine ECB.