Chifukwa chiyani Euribor alibe?

Euribor ikhalabe yoyipa kwazaka zambiri ndithu

Zaka zopitilira 4 zapitazo, mu February 2016, tidawona Euribor yoyipa koyamba m'mbiri. Kwa iwo osadziwa, Euribor ndiye chiwongola dzanja chapakati pomwe mabanki akulu mdera la yuro amabwereketsa ndalama. Ndiye kuti, ngati chiwongola dzanja chili cholakwika, ndalama zomwe amapereka sizikhala zochepa kuposa zomwe zimaperekedwa poyamba. Kodi izi ndizopindulitsa? Ayi, zomveka zimatiuza kuti sitikapereka ndalama posinthana ndi zocheperako poyerekeza zomwe tidabwereka. Ndilo funso, momwe izi zidachitikira.

M'nkhaniyi tikambirana chifukwa chake Euribor ndiyabwino. Ubwino pakufunafuna kuyambiranso kwachuma, komanso momwe njira zosamveka izi zomwe zikutsutsana ndi zamakono ndizofunikira.

Kuyang'ana pang'ono m'mbuyomu

Chifukwa chomwe Euribor ilibe

Mavuto azachuma asanachitike Euribor idafika 5'393%, munali mu 2008. Pomwe chiwerengerochi chinafikiridwa, kuchepa kwachangu kwachangu kunayamba. Chaka chotsatira, mu 2009, titha kuwona Euribor pafupifupi 1%, idakwera pambuyo pake, koma mu 30 idagwa 2012% koyamba. Patatha zaka 1, mu 4, tidawona Euribor ili yoyipa koyamba. Opulumutsa ambiri amakumbukira zaka zimenezo. Anthu omwe ankagwiritsa ntchito phindu pazomwe adasunga m'mabanki, kwa nthawi yoyamba anali kupereka zopanda phindu (pafupifupi 2016%).

Mavuto onse azachuma omwe adakhudzidwa kwambiri ngozi ya Lehman Brothers itayenera kulipidwa. Mabanki apakati adayamba kupereka ndalama ndikubwereketsa kubanki mdera lawo. Ngongole zimayenera kuyenda, ndalama zimayenera kusuntha, ndipo makampani ndi mabanja amayenera kufunanso ndalama.

Ndani angaganize kuti Euribor yoyipa ikupitilira ndipo pazifukwa ziti?

Ndizokhudza chidwi chomwe amadziwika ndi European Central Bank pobwereketsa ndalama kubanki. Chimodzi mwazolinga, monga tanenera kale, ndikupeza ngongole ndi ndalama kuti ziziyenda, ndiye kuti, kulimbikitsa kugwiritsidwa ntchito. Kusungunuka kumeneku kumakonzedwa ndi cholinga chochulukitsa pang'onopang'ono. Ngakhale mfundo zakuti ndalama zakukweza kukwera kwamitengo zakhalapo kwazaka zambiri, sizinakwaniritsidwebe. Kugwa kwa zinthu zopanda mafuta monga mafuta kapena zinthu zina zakunja, komanso kugwiritsa ntchito zochepa zomwe "zikutsitsa" mitengo, zimalepheretsa kukwera kwamitengo. Mwa njira yapakatikati, zitha kunenedwa kuti ndi zaumoyo, ndizokwera kwambiri pachuma. Momwemonso kukwera kwamitengo yoyipa, ndiye kuti, kusokonekera kwa zinthu, kulinso koipa pachuma.

Low Euribor ikufuna kulimbikitsa kugwiritsanso ntchito chuma

Chifukwa cha kuchepa kwachuma, mabanja adayamba kupulumutsa zambiri, popeza chuma chimayamba kucheperachepera. Kuwonjezeka kwa kusowa kwa ntchito komanso kuvutika kupeza ngongole kunalimbikitsa mavutowo. Komabe, ngati mutayambitsanso chuma chomwe mudayenera kudya komanso zomwe anthu adachita ndikupulumutsa zambiri chifukwa anali pachuma, zidapanga bwalo loipa. Chodabwitsachi chidapangitsa kuti ndalama ziziyenda pang'ono, ndipo pachifukwa ichi adayamba kulimbikitsa kubwereka pochepetsa chiwongola dzanja, ndiye kuti, kutsitsa mtengo wobwereketsa ndalama. Pazifukwa izi, kuwonjezera chiwongola dzanja ndi chinthu chomwe, ngakhale chikuyembekezeredwa, sichingachitike. Zingafooketse kugwiritsa ntchito ngongole, chifukwa chake kugwiritsidwa ntchito kumatha kukhudzidwa.

Ubwino ndi Kuipa kwa Negative Euribor

Ubwino ndi zovuta zokhala ndi Euribor pamitengo yoyipa

Lingaliro lakulimbikitsa kumwa motengera malamulo andalama lili ndi nkhope ziwiri. Kumvetsetsa momwe Euribor yoyipa imakhudzira sikungokuthandizani kuti mumvetsetse momwe chuma chilili mu Eurozone, komanso ndalama zanu.

Ubwino wake ndi monga, avareji, kutha kupeza ngongole yanyumba pamtengo wotsika. Ngongole zanyumba zikakhala zotsika mtengo, nthawi zambiri zimawoneka kwambiri Euribor ikagwa, chifukwa ndizotheka kulipira zochepa, zomwe zimamasulira kusunga matumba. Kwa ngongole zanyumba zokhazikika, zomwe sizocheperako ndipo si zachilendo poganizira kuopa kulipira chiwongola dzanja chachikulu, kusinthasintha kwa Euribor sikuwonedwa kawirikawiri. Pokhala ndi kuthekera kokulirapo kopulumutsa, mabanja atha kukhala ndi zinthu zambiri zoti awagwiritse ntchito, zomwe zimalimbikitsa makampani. Mwanjira iyi, kuzungulira konseku kutsekedwa, ndipo kumatha kutipindulira tonse.

Nkhani yowonjezera:
Kodi Euribor ndi chiyani?

Zina mwazovuta zake makamaka ndikuti mtengo wamtengo wotsika, ndiye kuti, ndiye imakonda kugwiritsidwa ntchito povulaza ndalama. Njira zakomwe tikhazikitsire ndikuwonjezera capital zikucheperachepera. Euribor yoyipa ndi yankho kwakanthawi kochepa kapena kwapakatikati, koma osati kwanthawi yayitali.

Chodziwikiratu ndichakuti osunga ndalama ambiri amasankha kuyika ndalama zawo ndikugwiritsa ntchito ndalama zawo, ena mumsika wamsika, ena amapanga mabizinesi atsopano ... Sindikudziwa ngati uwu ndi mwayi kapena vuto, chifukwa kudziwa zambiri ndizochepa , nthawi zambiri sizikhala ndi zotsatira zabwino. Komabe, zimalimbikitsanso ndipo zaphunzitsa njira zabwino komanso zatsopano kwa anthu omwe sibwenzi atazifuna kale.

Chiyembekezo chamtsogolo cha Euribor

Euribor yoyipa ikufuna kulimbikitsa kugwiritsidwa ntchito ndikupangitsa kuti chuma chikule

Mliri usanakhalepo, kuneneratu zamtsogolo sikungakhale kolondola nthawi zonse, koma zinali zowonekeratu kuposa momwe ziliri masiku ano. Malingaliro amakono azachuma ali ngati chuma, ndiye kuti, atasandulika. Ndikumangidwa kofala mu Marichi 2020, tidaona Euribor ikugunda bwino kwambiri, kotero kuti pasanathe mwezi umodzi idabwereranso (ikadali m'malo oyipa). M'miyezi yotsatira mpaka pano, ikupitilizabe kuchepa, koma pang'onopang'ono.

Zikuyembekezeka kuti chaka chino komanso chaka chamawa, Euribor ipitilize mdera loipa. Pafupifupi -0% ya 25 ndi -2020% ya 0. Komabe, zonsezi zitha kusinthidwa, kutengera zovuta zachuma za mliriwu, mayankho omwe amaperekedwa pazandale, komanso, momwe European Central Bank isankha kuthana ndi zochitika zosiyanasiyana zamtsogolo. Pamapeto pake, mphamvu yomaliza ndiulamuliro wosankha kukweza kapena kutsitsa Euribor ndi ECB.


Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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