Euribor shine gajerun kalmomi don tayin Turai na tayin banki, ko ta suna a cikin Ingilishi Euro Interbank Wanda aka bayar. Idan aka ba da wannan ma'anar, za mu iya cewa matsakaiciyar ƙimar riba ce da ake amfani da ita a cikin lamuni, kuma ana lasafta ta za a yi amfani da yawancin bankunan Turai, waɗanda ke haɗuwa da rukunin bankuna.
Duk da yake kowane daga cikin hukumomin banki Mai zaman kanta ne a cikin aikinsa, akwai irin wannan bayanan don samun damar daidaitawa da daidaita halayen kuɗi. Don haka don yin cikakken lissafin Euribor, mafi ƙarancin 15% kuma mafi girma 15% na kudaden amfani an tattara a cikin samfurin. Ta wannan hanyar, kowace rana, tare da bayyana cewa kawai ya shafi ranakun kasuwanci, a ƙarfe 11:00 CET an riga an ƙayyade kuma an buga ƙididdigar kuɗin da ke cikin Euribor.
Tsarin banki
Amma kafin mu ci gaba da magana game da Euribor, dole ne mu fahimci mahimman mahimmanci.Menene irin tayin bankin banki? To amsar tana da sauki. Euribor din Yana da aiki na iya biyan harajin da hukumomin banki ke bayarwa, tare da bayyana cewa lamuni ne da aka yi tsakanin su.
Dalilin da yasa ya zama dole bankuna su baiwa juna rance don samun damar bada tabbacin cewa a kowane lokaci akwai venwarewar tsarin bankin. Ta wannan hanyar, dole ne a sami hanyar da za ta iya sarrafawa da lissafi tare da irin ribar da za a biya rancen. Ya kamata a lura cewa ban da gaskiyar cewa dole ne a biya riba, adadin da ake kira ƙimar haɗari dole ne a rufe shi.
Kumasaboda Euribor ya banbanta? Babban dalili shi ne, tsakanin bankuna akwai matakin amana da suke da shi a tsakaninsu; Bayanai ne kamar warwarewa, bayanan samun kuɗi, da bayanan kwararar kuɗi waɗanda ke ƙayyade yadda banki zai iya amincewa da cewa wani yana da ikon dawo da rancen ba tare da wata matsala ba. Saboda wannan, kowane banki yakan sanya kudin sa ne idan aka yi la’akari da bayanan da yake da shi; Amma don ba da ra'ayi game da halayyar bankunan gaba ɗaya, ana aiwatar da matsakaicin lissafin kuɗin ruwa na manyan bankuna 50 a Turai.
Ya zuwa yanzu komai yana da ban sha'awa sosai, amma watakila bai dace da mutanen al'ada ba, duk da haka gaskiyar ita ce ta shafi mutanen al'ada da bankunan kansu, bari mu ga dalilin hakan.
Muhimmancin Euribor
Euribor din Mun riga mun fahimce shi azaman bankin da banki zai hadu dashi dangane da lamunin da wani banki yayi. Amma ina bankin da ya nemi rancen ya sami kudin da zai biya kudin ruwa? Amsar ita ce daga masu amfani da kuɗin da aka ce, cewa mu mutane ne masu neman lamuni daga banki, sama da komai yana da mahimmanci ga waɗanda suke neman rancen lamuni.
Don haka don bankin ya tabbatar da cewa zai sami damar warware matsalolin da rancen da aka nema daga wani banki ya haifar, yana yin lissafin kuɗin kuɗin jinginar gida dangane da Euribor. Ta wannan hanyar, yana kirga ƙimar ta amfani da Euribor zuwa watanni shida ko a wasu lokutan zuwa shekara guda.
Wannan yana nufin cewa banki zai bayar da karshen mai amfani, yawan kuɗin jinginar gida bisa a cikin Darajar Euribor hakan yana cikin karfi; don haka, idan wannan ya fi girma, ƙimar riba da za a yi amfani da ita ya fi girma. Wannan batun yana da mahimmanci musamman ga waɗanda suka nemi rance mai canjin canji, tunda a cikin waɗannan sharuɗɗan kuɗin da ya zo daga rancen ku zai shafi ko dai tabbatacce ko mara kyau, wanda zai haifar muku da ƙarin riba ko ƙasa da hakan.
Ya kamata a lura cewa don bayarwa - farashin mai amfani na ƙarshe, banki yawanci yana amfani da yaduwa wanda ke daidaita tsakanin 0 da 1,5; Abin da zai ayyana wannan banbancin shi ne manyan lamura guda biyu; Abu na farko shine bayanin tattalin arziƙin abokin ciniki. Dalilin da yasa wannan ke tasiri da banbanci shine dalili guda daya wanda yasa bankin banki ya banbanta, amintar da bankin yake dashi ga mai amfani zai bayyana mafi akasarin ko an kara banbanci babba.
Fuska ta biyu wacce ke tasiri ga yankewar yaduwar don amfani shi ne ikon yin shawarwari na mai amfani, kuma kodayake kamar kusan ba zai yiwu ba, a zahiri akwai wasu takaddama da za mu iya amfani da su don rage yaduwar da za a yi amfani da ita. Ga jinginarmu .
A takaice, yana da mahimmanci idan muna da bashi bashi ko kuma idan muna tunanin neman daya, dole ne a koyaushe mu tuna cewa kwaikwayon da aka yi ta hanyarmu bashi da tabbaci ko daidai; tunda ana yin lissafin yau da kullun, don haka, idan Euribor ya ƙaru, adadin da zamu rufe don jinginar zai yi tsada, a gefe guda, idan Euribor ya ragu, adadin mu shima zai ragu.
Wani dalilin da yasa aka bayar dashi kulawa ta musamman ga ƙimar Euribor shine ana amfani dashi azaman tushen lissafin ƙimar wasu kayayyakin kuɗi. Misali, ana amfani da wannan ƙimar azaman abin nuni ga kusan kowane nau'in samfuran samfuran rayuwa kamar samun kuɗin shiga na gaba, ko musanyawa, gami da yarjejeniyoyi kan duk ƙimar riba ta gaba.
Ba tare da wata shakka ba Euribor babban alama ne ga kowa, na gwamnatoci da cibiyoyin kuɗi, har ma da na talakawa. Saboda haka mahimmancin cewa azaman masu amfani da ƙarshen mun san daga ina ya fito da yadda yake shafar mu a rayuwar yau da kullun. Amma yana da iyakoki?
Babban iyakance wannan bayanin na kudi shine cewa ya shafi bankunan mallakar Tarayyar Turai ne kawai, don haka idan muna son yin lissafin ga wani yanki dole ne muyi amfani da bayanin da wancan yankin yake amfani dashi. Don ba da misali, don iya yin lissafi a cikin Unitedasar Ingila, bayanin da za mu yi amfani da shi shine Labarai, wanda ke da aiki iri ɗaya da Euribor, amma a yankin London.
Zai yiwu kuma mu yi la’akari da cewa domin a iya kwatanta lafiyar kudi na wani yanki game da wani yana iya yiwuwa a kwatanta abubuwan da yake bayarwa na banki; yawanci daya daga cikin kwatancen kwatancen ko kwatancen shine na Euribor tare da LIBOR.
Maganar Euribor
Duk da cewa duk tsarin an tsara shi don aiki don amfanin cibiyoyin da masu amfani na ƙarshe, akwai lokutan da bukatun mutane na musamman ya shiga cikin hanyar da aka sarrafa ta. Euribor dabi'u, Sanin kadan game da wannan tarihin zai taimaka mana mu fahimci raunin wannan tsarin. Kuma yadda aka gyara abin da ya gabata.
Tun daga shekarar 1999 lokacin da Euribor ya fara aiki, har zuwa 2012 komai ya nuna cewa Euribor ya dace, amma, a ranar 22 ga Fabrairu ne wasu mashahuran lauyoyi biyu suka yi tir da cewa akwai rashin haske a cikin nau'in jingina sanya girmamawa ta musamman akan Euribor; Babban dalilin wannan korafin shine babu wanda yayi binciken abun da ke ciki, don haka Euribor ya kasance mai kula da yuwuwar magudi.
Kuma a zahiri a shekarar 2011 an bude bincike kan yiwuwar magudin da ka iya faruwa; Batun Euribor bai keɓe ba, amma an kuma ci tarar cibiyoyin banki a wasu sassan duniya kamar Kanada, inda aka ci tarar HSBC, JPMorgan, Royal Bank, da sauransu.
Kammala binciken ya kai ga aiwatar da tara ta bankuna daban-daban, tarar da ta kai Euro miliyan 1.710. Bankunan da aka sanya wa takunkumin sun kasance 6. Ba tare da wata shakka ba, wannan halin abin takaici ne, tunda mafi mahimmanci shi ne cewa bukatun masu amfani sun shafi kudaden masu amfani kai tsaye.
Bitananan tarihin yadda Euribor ya yi ya ba mu alamar abin da zai dace; Kuma shi ne cewa a lokacin shekarun farko abin da aka lura shi ne cewa halayenta suna ta saukowa, duk da haka ya kasance har zuwa shekarar 2008 wanda aka lura da hauhawar riba mai yawa; har ma da kai darajar 4,42%, wanda yake da yawa idan muka kwatanta shi da tarihinsa na ƙasa, wanda aka cimma a shekarar 2015, inda darajar ta kasance 0,165% a cikin watan Mayu na wannan shekarar. Ba tare da wata shakka ba, yana da ban sha'awa ganin halin da ya gabata da kuma nazarin yanayin da suka shafi Euribor da halayyar sa, don haka lokacin da muke so zamu iya lura da fahimtar dalilin da yasa kuɗin ruwa ya nuna wani halin.