Kodi chiwongola dzanja chimakhudza bwanji?

chidwi United States Federal Reserve (Fed) yakweza chiwongola dzanja ndi kotala la point mpaka pakati 2,25% ndi 2,5%, yomwe ili pamilingo yosawoneka mzaka zopitilira khumi muulamuliro wazachuma padziko lonse lapansi. Uku ndikumaliza komaliza pazinthu zinayi zomwe bungweli lidakonza kuti zichite mu 2018, ngakhale akuti lingaliro la 2019 likhala locheperako. Ndikuwonetseratu kuti pali kuwonjezeka kawiri osati kanayi komwe kungapangidwe panthawiyi.

Nkhaniyi yakhudza kwambiri misika yamalonda, ndikucheperachepera kwa magulu onse azamasamba padziko lapansi. Ndi kulimba komwe sikukuwoneka m'miyezi yaposachedwa, kugwa pakati pa 2% mpaka 3% ndipo pomwe index ya msika wamsika waku Spain, Ibex 35, yamutsogolera kuti ayese kuchuluka kwa Mfundo za 8.600. Chimodzi mwazinthu zofunikira kwambiri pakadali pano zomwe zitha kupangitsa kuti, ngati pamapeto pake ziwonongedwe, kuti downtrend imayikiratu ku Spain.

Izi zomwe zimachitika pamisika yazachuma zikuwonetsa kufunikira kwa chiwongola dzanja m'misika yamisika padziko lonse lapansi. Ndi zochita kwambiri, munjira ina kapena ina, zomwe zimatengera kusintha kwa gawo lofunikira lachuma ili. Mpaka pomwe omwe amagulitsa ndalama zazing'ono komanso apakatikati amalingalira momwe kusinthika kwa chiwongola dzanja kumakhudzira zochitika zachuma ndipo, makamaka, ubale ndi dziko lokhala ndalama nthawi zonse komanso ndalama.

Chiwongola dzanja chachikulu

mitundu Ngati tigwiritsa ntchito lingaliro la Federal Reserve la United States kuti tikweze, ngakhale pang'onopang'ono, chiwongola dzanja, ndizothandiza kudziwa komwe ogwiritsa ntchito angakhudzidwe. Kuwonjezeka kwa gawo lazachuma kumatanthauza koposa zonse a kuyendetsa bwino mitengo Zazogulitsa ndi zinthu zomwe zapezeka. Mwanjira ina, kutsika kwachuma nthawi zambiri kumachepa pazochitika izi chifukwa chake pamakhala kuwongolera kwakukulu pamitengo. Zotsatira zakanthawi kwambiri ndikuti mtengo wamoyo sudzachitika mwamphamvu chimodzimodzi.

Kumbali inayi, mbali iyi imalimbikitsa kugwiritsidwa ntchito pakati pa ogwiritsa ntchito kukhala okwera ndipo imapindulitsa kukula kwachuma kwa dziko kuposa zofunikira zina. Chifukwa chake, ichi chikhala chimodzi mwazinthu zabwino kwambiri pakukwera kwa chiwongola dzanja. Chifukwa ndi chimodzi mwa zolinga za maboma apadziko lonse lapansi mukamapanga mfundo zanu zachuma. Monga zawonetsedwa m'zaka zaposachedwa makamaka makamaka pakutha kwachuma chomaliza, pakati pa 2007 ndi 2009.

Ngongole zodula kwambiri

M'malo mwake, chimodzi mwazomwe zimawopedwa kwambiri zakukwera kwa chiwongola dzanja ndikuti njira zandalama amakwera mtengo kwambiri, onse pakati pa anthu ndi makampani. Osati pachabe, zidzakhala zofunikira kudzipereka kwambiri pachuma chake ndipo nthawi zonse kutengera kukula kwa izi. Zitha kukhala kuchokera pagawo limodzi mwa magawo khumi mpaka magawo angapo azipembedzo zomwe mabungwe azangongole amagwiritsira ntchito kwa makasitomala awo. Zomwe zimakhudza kuti kuchuluka kwa ndalama zomwe zikupezeka ndizocheperako ndipo potero zitha kukhudza kwambiri kukula kwakumwa.

Izi pochita zikutanthawuza kuti pakakhala chiwongola dzanja, mabanki amawunikiranso momwe angapangire mgwirizano. Kukweza chiwongola dzanja cha zinthu zawo komanso nthawi zina ku mabungwe ndi zina mu kasamalidwe kake kapena kukonza. Kuchokera pano, ndalama izi sizothandiza kwenikweni kwa makasitomala omwe adzawone momwe angaperekere ndalama zambiri pokhazikitsa ngongole iliyonse.

Zovuta pamisika yazachuma

misika Kukula pang'ono kapena pang'ono, zochitika zandalamazi zimakhudza misika yamalonda padziko lonse lapansi. Ndipo sichabwino, chifukwa zakhala zotheka kutsimikizira masiku ano kukwera kwa mitengo yatsopano ndi Federal Reserve ku United States. Chifukwa matumba amalandira muyeso wokwanira amachepetsa pamitengo yachitetezo zolembedwa pamisika yazachuma. Ndi mphamvu yomwe nthawi zina imadziwika kwambiri komanso itha kukokomezedwa. Koma ili ndiye lamulo lomwe limakhalapo pakati pa osunga ndalama padziko lonse lapansi.

Ngakhale zili choncho, kukwera kwa chiwongola dzanja kumalandiridwa munjira ina ndi misika yokhazikika, yomwe imapindula kwambiri ndi izi. Mulimonsemo, muyenera kuyang'anitsitsa mayendedwe amtunduwu kuti muthe onaninso mbiri yathu yogulitsa kapena zotetezedwa. Ndipo ngati kuli kofunika kuzisintha potengera kusintha kwa kayendetsedwe kaboma ka maboma. Chifukwa sizingayiwalike kuti kusamvana kwamphamvu kumatha kuchitika. Monga zidzakuchitikirani kangapo ndi ndalama zanu.

Ndalama zopulumutsa

Chifukwa chake, m'modzi mwa omwe adzapindule kwambiri pakukweza chiwongola dzanja mosakayikira azisunga. Pazifukwa zomveka bwino zofotokozera ndipo izi zimadalira chifukwa chakuti zinthu zonse zomwe zimapangidwira ndalama zimawonjezeka pantchito yomwe amapereka kwa omwe amakhala nayo. Mwachitsanzo, mu madipoziti osakhalitsa kubanki, zolembera zamakampani kapena ngakhale zokolola zambiri kapena maakaunti wamba. Zotsatira zake posachedwa, zomwe ndi chidwi chanu, zidzawuka mwachangu kwambiri molingana ndi kuchuluka komwe kukukumana.

Izi zithandizira anthu kukhala ndi ndalama zochulukirapo mu akaunti yawo yosungira ndipo zimathandizira pakupititsa patsogolo kagwiritsidwe ntchito ka zinthu zina. Kusungitsa kwakanthawi kumatha kukwera bwino pankhani iyi yogwiritsa ntchito chiwongola dzanja chapakati komanso pachaka 1% mpaka 1,50% kapena mofanana kwambiri. Chifukwa chake, ndalama zimasunthira kumalipiro okhazikika ndikuwononga ndalama. Pali kusamutsidwa kwakutuluka pakati pazachuma zonse zomwe ndizosangalatsa kuziwerenga ndikusanthula munkhani zina zachikhalidwe cha ndalama.

Kulimbitsa Forex

ndalama Zina mwazabwino kwambiri zakukwera kwa chiwongola dzanja ndikuti zimathandizira kukulitsa ndalama zomwe zakhudzidwa. Mwanjira imeneyi, sizingaiwalike kuti United States Federal Reserve itasankha chisankho chofuna kukweza chiwongola dzanja chake, ndalama zake zidalimbikitsidwa msanga. Ndiye kuti, kuti mumvetsetse bwino kuyambira pano,  dola idzakweza mtengo wake. Izi zidzakhudza kuthekera kwanu kutumiza kunja, popeza kugula katundu waku US kudzakhala kotsika mtengo kuyambira pano.

Kumbali inayi, ndikosavuta kuwunikanso gawo lomwe ndalama zofunikira izi limatanthawuza ndipo ndizokhudzana ndi zochitika m'misika yamayiko akunja. Popeza, kutengera momwe amagwiritsidwira ntchito, ndalama zitha kupindulidwa kutengera ndalama zomwe zimatheka chifukwa cha ndalama zatsopanozi. Ndi njira yoyambirira kuti osunga ndalama ang'onoang'ono komanso apakatikati omwe akudziwa zambiri muntchito zamtunduwu akhala akupanga. Ndizosadabwitsa kuti amapereka a phindu lalikulu kwambiri poyerekeza ndi chuma china chazofunikira.

Chiwongola dzanja m'dera la yuro

Ponena za euro momwe zinthu ziliri pakadali pano ndizosiyana kwambiri ndi ku America. Izi ndichifukwa choti zachuma ndizosiyana ndipo, munjira imeneyi, dipatimenti yowunikira imanenanso kuti "mulimonsemo, amakhalabe pamipando yayikulu, yomwe imalola chidaliro pakupitilira kwa zochitika zowonjezereka. Kukula kwathu kwa 2018 tsopano + 2,0% poyerekeza ndi + 2,1% m'mbuyomu, ndi + 1,8% mu 2019 poyerekeza ndi 1,9% m'mbuyomu ".

Mbali inayi, amaganiza kuti "sitikuyembekeza kuti ECB isinthe mapu ake. Kugulidwa kwa katundu (15.000 miliyoni euros / mwezi) kutha mu Disembala. Ngakhale kutha kwa QE, mfundo zandalama zipitilizabe kukhala zokhazikika, pokhazikitsanso kukhwima ndikuwongolera chitsogozo pamitengo ya chiwongola dzanja ". Ndizosadabwitsa kuti amapereka a phindu lalikulu kwambiri poyerekeza ndi chuma china chazofunikira.

Mwanjira ina, ndi zochitika zomwe zikadali ndi njira yayitali kuti achite popeza amakhulupirira kuti "chiwongola dzanja, tikuganiza kuti chiwonjezeko choyamba chikhoza kukhala mu Seputembara / Okutobala mu chiwongola dzanja, kuchokera pano -0,4%. Draghi amaliza nthawi yake mu Okutobala motero potsegula njira yokhazikitsira mitengo pamitengo ”. China chake chomwe mosakayikira chingakhudze gawo labwino laabizinesi ang'onoang'ono komanso apakatikati omwe azindikira zomwe zingachitike mu mfundo zam'madera kuti apange njira zina zothetsera ndalama zawo.


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