Kodi Euribor ndi chiyani?

Euribor

Euribor ndichidule cha mtundu woperekedwa ku Europe wa interbank, kapena dzina lake mu English Euro Interbank Offered Rate. Potengera tanthauzo ili, titha kunena kuti ndi chiwongola dzanja chapakati chomwe chimagwiritsidwa ntchito pangongole, ndikuti chikuwerengedwa kuti chigwiritsidwe ntchito ndi mabanki ambiri aku Europe, omwe onse amapanga mabanki.

Pomwe iliyonse ya mabungwe a mabanki ndiyodziyimira pawokha pakugwira kwake, pali mtundu uwu wa deta kuti athe kuwonetsa ndi kusanja momwe amakhalira azachuma. Chifukwa chake kuti athe kuwerengera molondola za Euribor, 15% yotsika kwambiri komanso 15% yokwera kwambiri chiwongola dzanja zomwe zasonkhanitsidwa mu sampling. Mwanjira imeneyi, tsiku lililonse, kufotokozera kuti zimangogwira masiku aku bizinesi, nthawi ya 11:00 CET chiwongola dzanja cha Euribor chatsimikizika kale ndikufalitsidwa.

Ndondomeko yamabanki

Koma tisanapitilize kukambirana za Euribor, tiyenera kumvetsetsa mfundo yofunika.Kodi mtundu wa interbank umapereka chiyani? Yankho lake ndi losavuta. Mpikisano wa Euribor Ili ndi magwiridwe antchito okhometsa misonkho yomwe mabanki amapanga, ndikuwunikira kuti ndi ngongole zomwe zimapangidwa pakati pawo.

Euribor

Zomwe zimapangitsa mabanki kuti azibwerekana ndalama ndikuti athe kutsimikizira kuti nthawi zonse pali kutha kwa dongosolo la interbank. Mwanjira imeneyi, payenera kukhala njira zomwe zitha kuwongolera ndikuwerengera ndi chiwongola dzanja chomwe ngongole ziyenera kubwezedwa. Tiyenera kudziwa kuti kuwonjezera poti chiwongola dzanja chiyenera kulipidwa, ndalama zomwe zimatchedwa chiwopsezo chazovuta ziyeneranso kulipidwa.

Ychifukwa Euribor imasiyanasiyana? Chifukwa chachikulu ndichakuti pali kukhulupirirana pakati pamabanki komwe amakhala nako wina ndi mnzake; Ndi data monga solvency, ndalama zomwe mumapeza, ndi ndalama zomwe zimafotokoza momwe banki ingakhulupirire kuti wina angathe kubweza ngongole popanda vuto lililonse. Chifukwa cha izi, banki iliyonse imayika chiwongola dzanja chake kutengera zomwe zapeza; Koma kuti apereke lingaliro lamakhalidwe abanki ambiri, tanthauzo la masamu la chiwongola dzanja cha mabanki akulu 50 ku Europe chikuchitika.

Pakadali pano chilichonse chikumveka chosangalatsa, koma mwina sichofunika kwenikweni kwa anthu wamba, komabe zenizeni ndikuti zimakhudza anthu wamba komanso mabanki omwe, tiwone chifukwa chake.

Kufunika kwa Euribor

Mpikisano wa Euribor Tidamvetsetsa kale ngati chiwongola dzanja chomwe banki iyenera kukumana nacho pokhudzana ndi ngongole zomwe banki ina imachita. Koma kodi banki yomwe idafunsa kuti ngongole imalandira kuti ndalama yolipirira chiwongola dzanja? Yankho lake likuchokera kwa ogwiritsa ntchito kumapeto kwa ndalamazo, kuti ndife anthu omwe timapempha ngongole kubanki, koposa zonse ndikofunikira kwa iwo omwe amapempha ngongole zanyumba.

Euribor

Kuti banki itsimikizire kuti ikhala ndi solvency yolipira zonse zomwe zachitika chifukwa chobwerekedwa kubanki ina, zimatero mawerengedwe a chiwongola dzanja chokhazikika potengera Euribor. Mwanjira imeneyi, imawerengera kuchuluka kwake pogwiritsa ntchito Euribor mpaka miyezi isanu ndi umodzi kapena nthawi zina mpaka chaka chimodzi.

Izi zikutanthauza kuti bank ipereka wogwiritsa ntchito kumapeto, chiwongola dzanja chobweza kutengera ku Mtengo wa Euribor zomwe zikugwira ntchito; kotero kuti, ngati izi zakwera, chiwonjezeko chiwongola dzanja chomwe chidzagwiritsidwe ntchito. Mfundoyi ndiyofunikira makamaka kwa iwo omwe amapempha ngongole yosinthira, chifukwa panthawiyi chiwongola dzanja chomwe chimachokera ku ngongole yanu chimakhudzidwa moyenera kapena molakwika, ndikupangitsa kuti mulipire chiwongola dzanja chochulukirapo.

Tisaiwale kuti kupereka Malipiro ogwiritsa ntchito kumapeto, banki nthawi zambiri imagwiritsa ntchito kufalikira komwe kumayenda pakati pa 0 ndi 1,5; Zomwe zitanthauzire kusiyana uku ndi nkhani zazikulu ziwiri; chinthu choyamba ndi mbiri yachuma ya kasitomala. Chifukwa chomwe izi zimakhudzira kusiyanasiyana ndi chifukwa chomwecho kuchuluka kwa interbank kumasiyana, chidaliro chomwe banki ili nacho kwa wogwiritsa ntchito chimatanthauzira ngati kusiyanasiyana kwakukulu kapena kocheperako kukuwonjezeredwa.

Gawo lachiwiri lomwe limakhudza lingaliro la kufalikira kuti ligwiritsidwe ntchito ndi mwayi wogwiritsa ntchito wolankhulirana, ndipo ngakhale zikuwoneka ngati zosatheka, kwenikweni pali zifukwa zina zomwe tingagwiritse ntchito pochepetsa kufalikira komwe kungagwiritsidwe ntchito. .

Mwachidule, ndikofunikira kuti ngati tili ndi ngongole yobwereka kapena ngati tikuganiza zopempha imodzi, tiyenera kukumbukira nthawi zonse kuti kayesedwe ka ngongole yathu sikodalirika kapena kolondola; popeza kuwerengera kumachitika tsiku ndi tsiku, kotero kuti, ngati Euribor ikawonjezeka, gawo lomwe tikufunika kulipira ngongole zikhala zodula kwambiri, komano, ngati Euribor ichepera, gawo lathu lingachepetsenso.

Chifukwa china chomwe amaperekera chisamaliro chapadera pamtengo wa Euribor ndikuti imagwiritsidwa ntchito ngati maziko owerengera mtengo wazinthu zina zachuma. Mwachitsanzo, mtengowu umagwiritsidwa ntchito ngati cholozera cha zinthu zamtundu uliwonse monga ndalama zamtsogolo, kapena swaps, komanso mapangano azama chiwongola dzanja chamtsogolo.

Mosakayikira Euribor ndichizindikiro chofunikira kwa aliyense, maboma komanso mabungwe azachuma, komanso anthu wamba. Chifukwa chake ndikofunikira kuti monga ogwiritsa ntchito kumapeto tidziwe komwe akuchokera komanso momwe zimatikhudzira pamoyo watsiku ndi tsiku. Koma kodi ili ndi malire?

Cholepheretsa chachikulu pazandalama izi ndikuti zimangogwira ntchito ku mabanki a European Union, kotero kuti ngati tikufuna kuwerengera dera lina tiyenera kugwiritsa ntchito zomwe zikugwiritsidwa ntchito kuderalo. Kupereka chitsanzo, kuti titha kuwerengera ku United Kingdom, zomwe tikufunika kugwiritsa ntchito ndi MPHAMVU, yomwe imagwira ntchito yofanana ndi Euribor, koma mdera la London.

Ndizotheka kuti tilingalire kuti kuti titha kuyerekezera zaumoyo wazachuma mdera lina ndikulemekeza lina ndikotheka kuyerekezera zomwe mabanki apakati; kawirikawiri kuyerekezera kofala kapena zofananira ndi ya Euribor ndi LIBOR.

Kusokoneza kwa Euribor

Ngakhale kuti makinawa adapangidwa kuti azigwira ntchito mokomera mabungwe onse ndi ogwiritsa ntchito kumapeto, zakhala zikuchitika pomwe zofuna za anthu ena zalowererapo m'njira yoti Makhalidwe a Euribor, Kudziwa pang'ono za mbiriyi kutithandiza kumvetsetsa bwino zofooka za dongosololi. Ndipo zomwe zachitika m'mbuyomu zakonzedwa.

Euribor

Kuchokera mchaka cha 1999 pomwe Euribor idayamba kugwira ntchito, mpaka 2012 zonse zidawonetsa kuti Euribor ndiyabwino, komabe, panali pa February 22 pomwe maloya awiri odziwika adadzudzula kuti kulibe chilungamo mtundu wanyumba yanyumba kuyika chidwi pa Euribor; Chifukwa chachikulu chodandaulira chinali chakuti palibe amene anali kuwunika momwe amapangidwira, kotero kuti Euribor idakhalabe tcheru ndi zomwe zingachitike.

Ndipo makamaka mu 2011 kafukufuku anali atatsegulidwa pazomwe zingachitike; Mlandu wa Euribor suli wokha, koma mabungwe amabanki analipilitsidwanso madera ena padziko lapansi, monga Canada, komwe HSBC, JPMorgan, Royal Bank, pakati pa ena, adalipitsidwa.

Kukwaniritsa kafukufuku zomwe zinafika pachimake pakupereka chindapusa m'mabanki osiyanasiyana, chindapusa chomwe chimafika mayuro 1.710 miliyoni. Mabanki omwe adaletsedwa anali 6. Mosakayikira, izi ndizomvetsa chisoni, chifukwa chofunikira kwambiri ndikuti ndalama za ogwiritsa ntchito zidakhudzidwa mwachindunji ndi zofuna za omwe akukhudzidwa.

Mbiri pang'ono ya momwe Euribor yathandizira ikutipatsa chidziwitso cha zomwe zingakhale zabwino; Ndipo ndikuti mzaka zake zoyambirira zomwe zimawonedwa ndikuti machitidwe ake akutsika, komabe zidafika mpaka mu 2008 pomwe kuwonjezeka kwakukulu kwa chiwongola dzanja kudawonedwa; ngakhale kufika pamtengo wa 4,42%, zomwe ndizochulukirapo tikaziyerekeza ndi mbiri yakale, yomwe idakwaniritsidwa mu 2015, pomwe mtengo wake unali 0,165% m'mwezi wa Meyi chaka chomwecho. Mosakayikira, ndizosangalatsa kuwona machitidwe akale ndikuwunika zomwe zakhudza Euribor ndi machitidwe ake, kotero kuti pamene tikufuna, titha kuwona ndikumvetsetsa chifukwa chake chiwongola dzanja chikuwonetsa machitidwe ena.


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