Kodi malo azachuma ndi ati?

mphamvu Zachidziwikire, ngati mupita kukasunga ndalama zanu m'misika yamalonda, simudzachitanso mwina koma kudziwa malo omwe ndi omwe amawonetsa mphamvu zachuma padziko lapansi. Komwe ogulitsa onse amayang'ana kwambiri kuti adziwe zomwe ayenera kuchita nthawi zonse. Inde malo otseguka mu chuma chachuma kapena, m'malo mwake, sinthani maudindo awo m'misika yazachuma. Ndi mwayi womwe malo azachuma amakupatsirani malangizo pazomwe mungachite pamagulu anu amasheya.

Malo opezera mphamvu zachuma si ambiri, koma zowona ndiofunikira kwambiri. Momwe amafunira kusinthika kwa misika yachuma, mwanjira ina kapena ina, monga zachitikira zaka zaposachedwapa. Ndizosadabwitsa kuti chitha kukhala chida champhamvu chopezera ndalama muntchito iliyonse yomwe mutsegule kuyambira pano. Kapenanso ngati chitetezo chazachuma. Chifukwa simungayiwale kuti adzakupatsani chidziwitso chofunikira kwambiri pokhudzana ndi momwe ndalama zilili.

Kuti mupite kumalo opezera mphamvu zachuma muyenera kupita kumalo ophiphiritsa monga Washington, Frankfurt kapena Vienna. Simungaiwale kuti matauni awa ndi malo amabungwe azachuma ofunikira kwambiri. Kuchokera komwe kumachokera zisankho zofunikira kwambiri zomwe zimakhudza misika yamalonda. Nthawi zina ndimasunthidwe olimba omwe amatha kufika 5% ndipo amakhala othandiza kwambiri pochita malonda kapena pamsika womwewo.

Malo opangira magetsi: komwe amasinthira

mayuro Pakadali pano mwina mungakhale mukuganiza kuti malo azachuma padziko lapansi awa ali kuti. Makamaka, kuti muwadziwe bwino kuti azitha kuyendetsa bwino msika wamsika. Amagawidwa m'malo onse apadziko lonse lapansi, ngakhale ali makontinenti aku America ndi Europe komwe amayimilidwa. Ndi malo omwe ali munkhani zadziko lalikulu. Ndizosadabwitsa kuti nawonso amasankha pamoyo wanu wachuma. Kufikira pomwe zonse othandizira zachuma akudziwa zisankho zawo.

Zachidziwikire, malo ofunikira kwambiri azachuma ndi mzinda waku Frankfurt ku Germany. Ndizosadabwitsa kuti ndi likulu lokhalitsa la European Central Bank (ECB) yomwe ndiyomwe imalamulira mfundo zandalama mdera la yuro ndipo amayang'aniridwa ndi Italy Draghi waku Italy. Zakhala ndizowonjezera pamsika wamsika. Mpaka pomwe zitha kupangitsa kuti misika yazachuma igwe kapena kukwera nthawi iliyonse. Ichi ndichifukwa chake sizodabwitsa kuti ndichida chomwe mungagwiritse ntchito pamsika wamsika.

Vienna, likulu la mafuta

Pafupi kwambiri ndi likulu lazachuma ku Germany ndi likulu la Austria, Vienna. Lakhala likulu kwa zaka zambiri za Gulu La Maiko Othandiza Kutulutsa Mafuta (OPEC). Komwe njira zandalama zofunika izi zimapangidwa. Komwe ingapangitse mtengo wamafuta wosakhudzidwa kutengera zisankho zopangidwa ndi omwe amapanga ndalamazi. Zachidziwikire, misika yamalonda ikudziwanso bwino zomwe zikupangidwa pamisonkhanoyi ndi mayiko ena amphamvu kwambiri padziko lapansi.

Kumbali inayi, lingaliro lililonse lomwe mamembala ake amathandizira limachepetsa kupanga kwawo motero mtengo wamafuta umakwera m'misika yachuma. Mwina popanga zisankho mu mafuta kapena m'malo mwake pogwiritsa ntchito mfundo zomwe zimagwirizanitsidwa ndi zinthu zopangazi zomwe zalembedwa pamsika. Imeneyi ndi njira yothandiza kwambiri kudziwa komwe kuwombera kumapita m'masabata akudza ndipo mwanjira imeneyi kuti mupange ndalama zothandiza pakupulumutsa. Monga zikuchitika m'miyezi yaposachedwa ndikuwunikanso chuma chazachuma chomwe chapitilira chofunikira milingo ya madola 70 mbiya.

Washington kapena mphamvu ya dola

dola Likulu la United States likupitilizabe kukhala amodzi mwamalo olimbitsira chuma kutsatira malingaliro azachuma. Osati kokha chifukwa ndikomwe kumakhala purezidenti wa dziko lolemera kwambiri padziko lapansi. Koma chifukwa ndipamene zisankho zimapangidwa ndi a Malo Okhazikika waku United States (FED). Pazonse zomwe zikukhudzana ndi mtengo wa ndalama komanso zomwe zimakhudza mwachindunji madera onse azachuma padziko lapansi. Mpaka kuti gawo labwino la omwe amagulitsa ndalama atembenukire gawo ili lapadziko lapansi kuti apange njira zomwe azigwiritse ntchito. Kutengera ndi malingaliro andalama zomwe amatenga m'thupi lofunika kwambiri padziko lonse lapansi.

Kulankhula za Washington ndikutanthauza maubale ndi misika yachuma. Ngakhale awa ali ku New York, akuyimiridwa mu Wall Street ndipamene mamiliyoni ndi mamiliyoni amawu amasinthana tsiku lililonse. Zomwe zimawerengedwa kuti ndichimodzi mwazomwe zimayambira pachikomyunizimu chamakono komanso zomwe zikuwunikiridwa ndi gawo lalikulu la ogulitsa ang'onoang'ono komanso apakatikati padziko lonse lapansi. Mpaka pomwe masheya akulu amatengera mayendedwe omwe amapezeka mdera lofunikira ili padziko lapansi. Monga zidzakuchitikirani kangapo mukamapanga ndalama ndikuyesera kuti chuma chomwe mwapeza chikhale chopindulitsa pambuyo pogwira ntchito zaka zambiri.

Likulu la Monetary Fund

Popanda kuchoka komweko timapeza chamoyo china chofunikira monga  Fuko la Ndalama Zamdziko Lonse (IMF). Kapena zomwezo ndizofanana, pomwe zisankho zofunika kwambiri zimapangidwira tsogolo lazachuma padziko lapansi. Ndizosadabwitsa kuti cholinga chake ndikulimbikitsa njira zokulitsira chuma pakati pa mayiko ndikukonda mgwirizano wapadziko lonse lapansi. Ngati bungwe lapadziko lonse lapansi lodziwika ndi china chake, ndichifukwa choti limakonda kukonza kusamvana pazachuma m'maiko akulu padziko lapansi. Monga zachitikira mu gawo labwino la iwo, kuphatikiza Spain.

Zachidziwikire, misika yonse imazindikira malipoti awo, ndipo chifukwa cha izi masheya amasunthika mbali imodzi kapena ina mwamphamvu kwambiri. Kufikira pakuyambitsa mayendedwe olimba m'misika yazachuma. Ndi kusiyana kofunikira pakati pamitengo yayikulu kwambiri komanso yocheperako yazachitetezo komanso kuti nthawi zina kutero kupitirira 2% kapena 3% milingo. Makonda azachuma omwe amawona momwe angapezere mbiri yopeza phindu kwakanthawi kochepa. Nthawi zonse kudziwa zomwe International Monetary Fund inganene nthawi iliyonse.

Mzindawu ndi msika wovuta kwambiri

london Mkati mwa Europe, Londres imatenga gawo lofunikira kwambiri pazachuma chamayiko. Pamwamba pamitu ina yomwe ilipo mwapadera m'maubwenzi apadziko lonse lapansi. N'zosadabwitsa kuti likulu la Britain limaonedwa kuti ndi limodzi mwazomwe zimayambitsa kupanga ndalama. Osangokhala pamsika wamsika, komanso pamtundu uliwonse wazachuma. Zipangizo zopangira, zitsulo zamtengo wapatali ndi zotumphukira zachuma mwazinthu zina zofunika kwambiri komwe mungapangitse ndalama zanu kukhala zopindulitsa kuyambira pano. Chilichonse chimagulidwa ndikugulitsidwa mu Mzindawu ndipo chimakhala cholozera kwa wochita ndalama aliyense. Sitingaiwale kuti gawo labwino la oyimira ndalama padziko lonse lapansi akhazikitsidwa.

Ndi lingaliro la kudalirana kwa dziko lapansi monga kuliri kumadera onse azachuma padziko lapansi ndipo monga misika yazachuma yochepa imachita pakadali pano. Zonsezi ngakhale atangopatukana posachedwa ndi mabungwe aku Europe monga zotsatira za brexit yomwe idavomerezedwa chaka chatha. Koma izi sizinasokoneze kufunikira kwa malo aku Europe munjira yatsopano yazachuma. Ndizosadabwitsa kuti ndalama zaku UK ndizofunikira kwambiri padziko lapansi. Ndi kuchuluka kwa malonda pamisika yayikulu yapadziko lonse lapansi.

Monga njira yokhazikika

Monga momwe mwawonera, pali malo angapo azachuma omwe mungakhale nawo polemba pamisika yamsika kuyambira pano. Ndi cholinga chachikulu chokweza chuma chanu. Chifukwa mudzakhala ndi zambiri momwe mungagwiritsire ntchito izi pazisankho zomwe mupange. Osangokhudza ndalama zenizeni pamsika wamsika. Ngati sichoncho, sankhani njira zina zomwe mpaka pano simukadaganizira zopanga ndalama.

Zachidziwikire, simungayiwale kuti malo azachuma awa akhoza kukhala yankho lolimbikitsa njira yabwino yodziwira ndalama. Momwe, koposa zonse, kukhala ndi zida zowunikira kuti mupange zisankho zabwino kwambiri ndikofunikira kwambiri. Pamwamba pazinthu zina zaluso komanso ngakhale pakuwona bwino. Kuti mwanjira iyi mukwaniritse zolinga zanu zonse pamsika wamsika. Ndi zotsatira zabwino muakaunti yanu yazogulitsa.


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