Babban Asusun Tarayyar Amurka (Fed) ya ɗaga darajar riba da kashi ɗaya cikin huɗu na maki zuwa tazara tsakanin 2,25% da 2,5%, wanda ke cikin matakan da ba a taɓa gani ba a cikin fiye da shekaru goma a cikin jagorancin tattalin arziƙin duniya. Wannan shi ne na karshe daga cikin kari hudu da hukumar ta yi niyyar aiwatarwa a shekarar 2018, duk da cewa ta bayar da shawarar cewa tafiyar a shekarar 2019 za ta kasance mai matsakaiciya. Tare da hasashen cewa akwai kari biyu kuma ba hudu ba wadanda za a iya ci gaba a wannan lokacin.
Wannan labarin ya yi mummunan tasiri a kan kasuwannin daidaito, tare da raguwar abubuwa a cikin duk alamun kasuwar cikin duniya. Tare da tsananin da ba a gani ba a cikin 'yan watannin nan, tare da faduwa tsakanin 2% zuwa 3% kuma inda aka yi nuni zuwa kasuwar hada-hadar hannayen jari ta Sifen, Ibex 35, ta sa shi gwada matakin 8.600 maki. Ofayan mahimman tallafi waɗanda take da su a halin yanzu kuma hakan na iya haifar da, idan a ƙarshe aka rusa shi, cewa an sauko da runduna ta dindindin a filin Sifen.
Wannan martanin na kasuwannin hada-hadar kuɗi na tabbatar da mahimmancin farashin riba a kasuwannin hannayen jari na duniya. Tare da halayen gaske, ta wata ma'ana ko wata, wanda zai dogara da juyin halittar wannan mahimmin ma'aunin tattalin arziki. Zuwa ga cewa ƙananan da matsakaita masu saka jari sunyi la'akari da yadda canjin canjin kuɗi ke shafar ayyukan tattalin arziƙi kuma, a asali, alaƙar da ke tsakanin duniyar kuɗi da saka jari koyaushe.
Babban kudin ruwa
Idan muka yi amfani da shawarar da Babban Asusun Tarayyar Amurka ya yanke, koda a hankali, yawan kudin ruwa, yana da amfani mu san inda masu amfani gaba daya za su iya shafar su. Da kyau, ƙaruwa a cikin wannan ma'aunin tattalin arziki yana nuna sama da duka a mafi tasirin sarrafa farashin na kayayyaki da kayayyaki waɗanda aka samo. A takaice dai, hauhawar farashi yawanci yakan ragu a wadannan yanayin don haka akwai babban iko akan farashin. Abinda yafi saurin tasiri shine cewa tsadar rayuwa ba zata faru da irin wannan ƙarfin ba.
A gefe guda, wannan yanayin yana ƙarfafa amfani tsakanin masu amfani don kasancewa mafi girma kuma yana fa'idantar da haɓakar tattalin arzikin ƙasa sama da sauran abubuwan fasaha. Sabili da haka, wannan zai zama ɗayan tabbatattun abubuwan haɓaka na haɓaka cikin ƙimar riba. Domin yana bayan duk ɗaya daga cikin manufofin gwamnatocin duniya lokacin bunkasa manufofin ku na tattalin arziki. Kamar yadda aka nuna a cikin 'yan shekarun nan kuma musamman bayan ci gaban rikicin tattalin arziki na ƙarshe, tsakanin 2007 da 2009.
Lamuni mafi tsada
Akasin haka, ɗayan mafi tsoron tasirin hauhawar kuɗin ruwa shine layukan bayar da kuɗi sun fi tsada, duka tsakanin mutane da kamfanoni. Ba a banza ba, zai zama dole a sadaukar da babban yunƙurin tattalin arziki a cikin haɓaka shi kuma koyaushe ya dogara da ƙarfin waɗannan ƙaruwa. Zai iya zama daga fewan goma zuwa maki da yawa cikin sha'awar cewa cibiyoyin bashi suna amfani da abokan cinikin su. Tare da abin da yake shafar cewa yawan kuɗin da ke kewayawa ya fi ƙanƙanta kuma a cikin wannan ma'anar yana iya shafar da gaske kyakkyawan ci gaban amfanin.
Wannan a aikace yana nufin cewa idan aka sami hauhawar farashin ruwa, bankuna da sauri suna nazarin yanayin kwangilar su. Isingara kuɗin ruwa na kayayyakin su kuma a wasu lokuta ma a cikin kwamitoci da sauran kuɗaɗe a cikin gudanarwarta ko kiyayewa. Daga wannan ra'ayi, wannan aikin kuɗin ba shi da fa'ida ga ainihin sha'awar masu amfani waɗanda zasu ga yadda zasu keɓe ƙarin albarkatun kuɗi a cikin tsarin kowane layi na daraja.
Tasiri kan kasuwannin kuɗi
Zuwa mafi girma ko ƙarami, waɗannan ayyukan kuɗin za su yi tasiri ga kasuwannin daidaito a duniya. Kuma tabbas ba tabbatacce bane, kamar yadda ya yiwu a iya tabbatar da waɗannan kwanakin bayan sabon matakin hauhawar kuɗin daga Babban Asusun Tarayyar Amurka. Saboda jakunkunan suna karbar wannan ma'auni da fadi rage cikin farashin jarin tsaro waɗanda aka jera a kasuwannin kuɗi. Tare da ƙarfin da ake furtawa a wasu lokuta kuma ana iya ƙara shi. Amma wannan ita ce dokar da ta fi dacewa tsakanin masu saka jari a duniya.
Duk da yake akasin haka, ana karɓar hauhawar kuɗin ruwa ta wata hanya daban ta ƙayyadaddun kasuwannin samun kuɗin shiga, waɗanda sune manyan masu cin gajiyar wannan matakin. A kowane hali, dole ne ku kasance mai kulawa sosai ga duk waɗannan nau'ikan motsi don sake nazarin jarin mu na zuba jari ko tsaro. Kuma idan ya zama dole a canza shi bisa la'akari da waɗannan canje-canje a cikin manufofin kuɗin gwamnatoci. Domin ba za a iya mantawa da cewa rashin daidaito mai karfi na iya faruwa a cikinsu. Kamar yadda hakan zai faru da kai a lokuta fiye da ɗaya tare da saka hannun jari naka.
Amfani da tanadi
Sabili da haka, ɗayan manyan masu cin gajiyar matakin haɓaka ƙimar riba babu shakka zai zama masu adanawa. Don dalilai mai sauƙin bayani kuma hakan ya dogara da gaskiyar cewa duk samfuran da aka nufa don tanadi suna ƙaruwa a cikin aikin da suke yiwa masu riƙe su. Misali, a cikin ajiyar banki na tsayayyen lokaci, bayanan kula da wasikoki na kamfanoni ko ma yawan amfanin ƙasa ko mafi yawan asusu na al'ada. Tasirinsa mafi kusa, wanda shine sha'awar ku, zai tashi da sauri daidai gwargwadon ƙaruwar da aka samu.
Wannan zai taimaka wa mutane samun ƙarin kuɗi a cikin asusun ajiyar su kuma yana da tasiri mai fa'ida akan haɓakar amfani fiye da sauran abubuwan fasaha. Adadin lokaci na iya tashi daidai a cikin wannan yanayin na amfani da matsakaita da sha'awar shekara-shekara 1% zuwa 1,50% ko kuma daidai gwargwado. Sabili da haka, kuɗi suna motsawa zuwa tsayayyen kudin shiga don lalata lamuran yau da kullun. Don haka akwai canza canjin kuɗi tsakanin dukiyar kuɗin da ke da ban sha'awa sosai don nazari da yin nazari a cikin wasu takamaiman labarai kan wannan yanayin a duniyar kuɗi.
Starfafa Forex
Wani mahimmin tasirin tashin hankalin cikin riba shine cewa yana haifar da haɓaka darajar kuɗin da abin ya shafa. A wannan ma'anar, ba za a iya mantawa da cewa bayan shawarar da Babban Bankin Amurka ya yanke na ta kara yawan kudin ruwa, nan take aka karfafa kudinta. Wancan ne, kuma don ku fahimce shi da kyau daga yanzu, dala zata kara farashin ta. Wannan zai shafi ikonku na fitarwa, saboda siyan kayan Amurka zaiyi tsada daga yanzu.
A gefe guda, yana da matukar dacewa a sake nazarin wani bangare wanda wannan muhimmin ma'auni na kuɗi ke nunawa kuma shine wanda ke da alaƙa da ayyukan da aka gudanar a kasuwannin canji. Tunda ya dogara da aikace-aikacen sa, ana iya samun riba mai riba dangane da kuɗin da aka inganta tare da wannan sabon matsayin kuɗin. Dabara ce mai asali cewa kanana da matsakaita masu saka jari wadanda ke da gogewa a cikin irin wannan ayyukan na musamman suna haɓaka. Ba abin mamaki bane, suna bayar da a babban riba idan aka kwatanta da sauran kadarorin kuɗi na mahimmanci na musamman.
Matsayin sha'awa a cikin yankin Euro
Game da yankin euro halin da ake ciki na wannan lokacin ya sha bamban da na Amurka. Wannan shi ne saboda gaskiyar cewa yanayin tattalin arziki ya bambanta kuma, a cikin wannan ma'anar, sashen nazarin ya nuna cewa "a kowane hali, suna ci gaba da kasancewa a manyan matakai, wanda ke ba da tabbaci ga ci gaban zagaye mai faɗi. Hasashen ci gabanmu na 2018 a yanzu + 2,0% idan aka kwatanta da + 2,1% a baya, kuma + 1,8% a cikin 2019 idan aka kwatanta da 1,9% a baya ”.
A gefe guda kuma, suna la’akari da cewa “ba ma fatan ECB ta canza taswirar taswirarta. Sayen kadara (Yuro miliyan 15.000 / watan) zai ƙare a watan Disamba. Duk da ƙarshen QE, manufofin kuɗi za su ci gaba da kasancewa mai sauƙi, ta hanyar sake saka jari na balaga da tura jagora kan ƙimar riba ”. Ba abin mamaki bane, suna bayar da a babban riba idan aka kwatanta da sauran kadarorin kuɗi na mahimmanci na musamman.
A takaice dai, wani yanayi ne wanda har yanzu yana da sauran aiki a gaba tunda suna tunanin cewa "kudaden ruwa, muna tunanin cewa karuwar farko zata iya kasancewa a watan Satumba / Oktoba a cikin adadin ajiya, daga yanzu -0,4%. Draghi ya ƙare ajalinsa a watan Oktoba kuma don haka ya buɗe hanya don daidaitawa cikin ƙima ”. Wani abu da babu shakka zai shafi babban ɓangare na ƙanana da matsakaitan masu saka jari waɗanda za su kasance suna sane da abin da ka iya faruwa a cikin manufofin al'umma domin samar da wasu dabaru don haɓaka saka hannun jari.