Katundu wamsonkho

Katundu wamsonkho

Nthawi zina, zimawoneka ngati zofunikira kuphunzira zaukadaulo woterewu womwe umatikhudza mderalo, ndipo ngakhale osafufuzidwa tifunika kumvetsetsa malingaliro omwe amakhala nawo tikakumana ndi nkhani yokomera anthu. Itha kukhala yopepuka, koma ikakhala mu msonkho wamsonkho Kusintha kwadzidzidzi kungasokoneze kukhazikika kwachuma, zomwe zimadzutsa chidwi chofuna kutidziwitsa za izi.

European Commission ili pafupi kuyamba kafukufuku msonkho wamsonkho, wodziwika ndi chidule chake mu English DTA, wamabanki aku Italy, Spain, Portugal ndi Greece.

Kodi katundu wobweza misonkho ndi chiyani?

Chuma ndi chomwe chimachitika ndalama zikajambulidwa munthawi yomwe zitha kubwezeredwa pambuyo pake, panthawi yomwe phindu limapangidwa, lomwe limapanga Ngongole zandalama. Zosinthazi zachitika chifukwa chakuti pali malamulo osungitsa ndalama omwe adalowa mu 2014 momwe amafunikira kuti ma DTA aku banki achotsedwe pazinthu zawo, izi sizikutsimikiziranso kuti mtengo wake ukhoza kupitilizidwa ngati bungweli lingadutse mavuto azachuma.

Katundu wamsonkho

Monga momwe zidachitikira ku Spain, mwachitsanzo, mu 2013, m'mwezi wa Novembala, zidaloledwa kuti gawo lazinthuzi zitha kukhalabe ndi phindu kwakanthawi. Lingaliro lalikulu silinali lochuluka kotero kuti a mwayi wopanga magawo azachuma koma kuti athe kuzikonzekeretsa ndi misonkho momwe mabanki ndi makampani ena amasangalalira m'maiko ena aku Europe. Malamulo amisonkho ku Spain ndi ovuta kwambiri kuposa mayiko ena aku Europe omwe amaganiza panthawi yomwe amagwiritsa ntchito ndalama izi, ziyenera kudziwikanso kuti, mosiyana ndi mayiko ena, sikuloledwa kubweza misonkho yomwe idalipira zaka zapitazo kukakhala kuti zotayika zalengezedwa pakampani.

Ndizovuta kumvetsetsa zolinga zenizeni kapena chomwe chikuyambitsa kafukufuku, ndiye olankhulira avomereza kuti pakadali pano ndi nkhani ya makalata oyang'anira kwa olamulira a mayiko omwe akukhudzidwa, ndikuzindikiranso kuti mafunsowa amapangidwa kwa ena a MEPs.

Nkhaniyo nthawi zambiri imakhala yodabwitsa ikayang'aniridwa mwamawonekedwe kapena mosasinthasintha. Koma bwanji kupanga kusatsimikizika kwakukulu pankhani yomwe idawunikiridwa ndikuvomerezedwa kwambiri ndi European Commissionkupita kudera lonse la Europe. Adanenanso kuti pamalipoti ofunikira kuti mabungwe onsewa adatenga malamulo omwe atchulidwawa okhudzana ndi misonkho yomwe yachedwa kuti athandizire kuthana ndi mavuto azachuma mderali. Adapangidwanso kuti awunike kwathunthu za chuma chomwe chili ku ECB.

Kodi DTA ndi chiyani?

Mabungwe azachuma Ali ndi ndalama zomwe zingachepetse phindu lawo koma, chifukwa cha malamulo, mpaka lero, sanathe kuchotsera msonkho wa anthu, zomwe zikutanthauza kuti amalipira misonkho yambiri kuposa yomwe amayenera kulipidwa. Pachifukwa ichi ndipo mutayerekezera ndi mayiko ena amalamulo aku Europe pazomwe amaloledwa kulipiritsa.

Chifukwa chake, chuma ndi chuma chazindikira ufulu wosunga ndalamazi kuti zidzagwiritsidwe ntchito mtsogolo ndi cholinga chochepetsa misonkho yomwe azilipira pazabwino zomwe zidzachitike mzaka zikubwerazi. Pachifukwachi amadziwika kuti adachedwetsedwa.

Kodi ndalama zosachotsedwazo zimachokera kuti?

Katundu wamsonkho

Pali magwero atatu komwe ndalama izi zimachokera. Yoyamba ikuchokera zofunikira zomwe mabanki ali nazo Zomwe muyenera kuchita kuti muthe kubweza chiwopsezo chotayika pazinthu zanu mtsogolomo, makamaka ngati ngongole yomwe imalimbikitsa malowo idachokera pamalamulo aku Guindos a 2012. Kupereka ndalama zazikulu kumachotsedwa mu phindu, koma momwe sizili kutayika kwenikweni, ndalamazo zimapitilizabe kusungidwa mgululi ndipo maziko azachuma omwe msonkho wa Corporation amawerengedwa samachepetsedwa, chifukwa chake katundu wamsonkho amapangidwa womwe umachedwa.

Gwero lachiwiri ndilo lomwe lili ndi zopereka zomwe mabanki amapereka kuti mapulani a penshoni okutira antchito awo, yomwe ndi ndalama yomwe imagwidwa ngati ndalama komanso yomwe imachepetsa phindu, koma popeza imasungidwa momwemo, siyidalandidwanso.

Ndipo pamapeto pake, gwero lachitatu lili mu zotayika zaka zapitazo kuti, malinga ndi malamulo apano pamisonkho yamakampani, kampani ikawonetsa zotayika, itha kuyigwiritsa ntchito kuchepetsa misonkho yomwe izidzalipira mtsogolomo, ikaganiziridwanso ngati phindu.

Mabungwe ku Spain omwe adandaula kuti alibe malamulo oyenera pa ngongole za msonkho. Monga tidanenera m'ndime zapitazi, malamulo a Guindos ndi omwe amakakamiza mabungwe onse azachuma ku Spain kuti akhale ndi gawo lazinthu zomwe zimawoneka kuti zili ndi mavuto mu 2012. Likulu lofunika lomwe lidayambitsa kutayika konse mgululi, tsogolo ndilo likulu lomwe limapangidwira mapulani a penshoni, lomwe lilinso vuto, makamaka mabanki aku Spain.

Izi zikufika poti gawo ili lili ndi mayuro 50 biliyoni. zikaganiziridwa kuti kuchotsera ndalama pazomwe zatchulidwazo kumatanthauza kuti mabungwe aku Spain akuyenera kuwonjezeredwa ndalama zambiri.

Pazifukwa izi, malamulo a ku Europe Basel III, Apatsidwa nthawi yazaka 10 kuti achotse pang'onopang'ono, ndipo izi zimathandizanso kuti muchepetse, koma misika ifunikanso kuti mabungwewo akwaniritse zofuna zawo zonse ngati kuti zaka 10 zadutsa kale , omwe samachita nawo adzalangidwa.

Boma lavomereza a lamulo lachifumu lalamulo momwe akuti banki ikhoza kupitiliza kuwerengera ngati likulu la DTA. Mwanjira iyi, kuyambira nthawi imeneyo ngongole zamsonkho zimatha kubwezedwa nthawi iliyonse ndipo sipadzakhala malire a nthawi kuti adziwike motero, kotero kuti maubwino sangawoneke ngati bankirapuse amawonekeranso chimodzimodzi.

Pomwe bungweli latayika, mtsogolomo, boma ndi lomwe lidzafunika kulilowetsa m'malo mwa kuyika gawo la ndalama zomwe zatsala kuti ziperekedwe kuti athe kuzilandira ndipo ngati zingawonongeke, perekani zonse kuti athetse vutoli.

Maiko aku Europe ali ndi malamulo amisonkho osiyanasiyana m'malo omwe atha kuwononga kuchuluka kwa misonkho yozengereza, mwachitsanzo, pali mayiko omwe avomereza kuti misonkho yolipira imakhazikitsidwa ndi misonkho yabwino yazaka zapitazo, pachifukwa chake sanapangidwe misonkho yomwe idzabwezeretsedwe mtsogolo.

Katundu wamsonkho

Palinso mayiko omwe atha kukhala owolowa manja kuposa Spain potengera momwe amawonongera ndalama komanso zomwe angalandire ngongole.

Mwambiri, mabanki sakugwirizana ndi zikhalidwe zatsopanozi, ndichifukwa choti mabungwe omwe atumizidwenso sanakhutire ndi misonkho yatsopano, ndichifukwa choti akuganiza kuti ingawavulaze m'njira zosiyanasiyana. Izi zili choncho chifukwa mu chikalatacho chomwe chidavomerezedwa ndi boma lenilenilo, ngakhale chinali chokambirana ndi bungweli kwa milungu ingapo, mwatsatanetsatane sanaganiziridwepo, zomwe ndikuti kusamutsidwa kwa chuma sikunachitike mobwerezabwereza.

Ichi ndichifukwa chake mabungwe atatuwa sanapangire fayilo ya msonkho wamsonkho ndikusamutsa katundu wake ndi poizoni ndi Sareb. Malongosoledwe omwe aperekedwa ndikuti amayenera kupanga zofunikira kuti athe kubweza zomwe ataya chifukwa cha ngongole, malo ndi nyumba zawo ndipo adachitanso chimodzimodzi mu 2012, momwe kusamutsaku kuli kwa zinthu ziwiri, ndichifukwa chake sanazengereze misonkho zinapangidwa.

Kodi padzakhala zotsatira zake pamaakaunti aboma?

Ngati padzakhala kusintha mu nkhani zapagulu, koma izi zidzakhala zazing'ono komanso zochepa kwambiri. Izi ndichifukwa choti palibe chifukwa choti ndalama zaboma zimayambira kuwonongeka kwa mabungwe panthawi yomwe lamuloli limayamba kugwira ntchito, monga tafotokozera pamwambapa, chifukwa chake, ndizomveka kuganiza kuti zotsatira za misonkho zidzakhala zenizeni koma njira yocheperako, chifukwa chake zotsatira zake zidzakhala zochepa kwambiri kuposa zomwe ambiri angayembekezere. Ndikofunikira kuti zidziwitso pamutuwu zizisungidwa madzi nthawi zonse kuti mudziwe momwe ndalama zilili mdziko muno.

 

 


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  1.   Juan Jerez anati

    Tawonani, ndayesetsa kuwerenga mpaka kumapeto, kuti ndiwone ngati ndingapeze china chomveka, koma zakhala zosatheka kwa ine. Wolemba waluso bwanji. Palibe komwe ungachigwire.