Chaive chakavanzika chakavhurika mumakore achangopfuura uye pakupedzisira chakaratidza kushanda kwehukuru hwakawanda hwemari uye hwekuverenga. Iri bhangi rinotungamirwa naAna Patricia Botín rakanyatso kutora kutonga kweBanco Popular. Kubudikidza nesangano umo manhamba akasiyana anobatanidzwa, kubva kune vatengi vako kune vagovana. Zvese izvi, mushure mekunge iyo yemari yadhirika mumisika yemari kusvikira zvikamu zvayo zvasvika kukosha kwe0,20 euros, pamatanho e nhoroondo dzakadzika.
Kubva pane ino mamiriro ese, mashandiro emakambani haana kushamisa chikamu chakanaka chevanoongorora zvemari vakaona iyi sarudzo semhinduro chete kumatambudziko akakomba emari. Nemadonzvo akakosha kwazvo mumavhiki apfuura uye izvo zvakatungamira kune avo vagovana navo kurasikirwa nechikamu chakanaka chemasevha avo. Kunyangwe zvichizonyanya kune avo vakasara vachikoshesa. Nekuti zvirokwazvo, semhedzisiro yechiyero ichi ivo vacharasikirwa ne100% yemari yakachengetwa. Mune mamwe mazwi, kana iwe parizvino uri mumwe weava vagovana, kukosha kwezvikamu zvako kuchave zero.
Izvo hazvigone kukanganikwa munzira ipi neipi kusvika parizvino gore rino, iro boka rakaunganidzwa inoderera kupfuura 70%. Nekurasikirwa kwakakomba kune vese vanoita mari. Kunyangwe kune avo vakatora zvinzvimbo mune dzimwe nzvimbo dzevanonyanya kukoshesa vanowira mumisika. Nemashoko asingagumi mumazuva apfuura nezve kubviswa kweBankia kutonga bhangi uye kuti zvanyatso gumisa kutenga kwaSantander. Iyi ndiyo mamiriro matsva mubhanga renyika.
Kutenga neBanco Santander
Kushaikwa kwemari kwave kuri kukonzera kwakakurudzira kufamba mubhangi chikamu. Banco Santander pakupedzisira akasarudza kuwanikwa kweZvakakurumbira kuburikidza neSingle European Resolution Mechanism (SRM) yeyuro imwe yakapihwa kusagadzikana kwesangano uye njodzi iri pachena kuti nhasi haikwanise kusangana nemari inobhadharwa kubva pamari yako. Hazvishamise kuti, chimwe chezvikonzero chakapihwa ndechekuti haizove nemari yakakwana yekuvhura matavi.
Mupfungwa iyi, inofanira kuyeukwa kuti Banco Santander uye BBVA Ndiwo chete masangano akabata mari mukutengesa kwakaitika neChipiri manheru kutenga Banco Popular, sekureva kweve Ministry of Economy. Panguva iyo iro boka rezvemari rakanga ratopindira neRimwe Resolution Board (SRB) yeEuropean Union. Pakutanga, Bankia akange audzwawo kuti aifarira kuvhiyiwa, asi zvinangwa zvacho zvinofanirwa kuzadzikiswa.
Yakatsigirwa nevatungamiriri venharaunda
Chero zvazvingaitika, iko kusati kwamboitika mashandisirwo emari munzvimbo yeyuro sezvo iri kekutanga kuitika. Kusvika pakuti inoumba kupindira kwekutanga mubhangi system yeMonetary Union (EU). Zvisinei, ine mvumo yakakwana yemasangano emunharaunda. Kwete pasina, nekukurumidza European Central Bank (ECB) yakafunga kutsigira ichi chakakosha chiyero kujekesa chero mhando yekusahadzika pamusoro pekushandisa kwesarudzo inopokana iyi.
Mupfungwa iyi, National Securities Market Commission (CNMV) yakafunga kumisa kunyorwa kwezvikamu zveBanco Popular, kunyangwe musika wainge watobvisa chimwe chezviitiko zvisina kunaka zvaigona kutarisirwa. Iko chete mukana mukana wevatengesi kubva ikozvino uchave wekumhan'arira kumusangano kana, zvichikundikana izvo, nevatungamiriri vebhangi vekare. Munzira yavo chete yekubuda kuyedza kugadzirisa iri dambudziko rakakomba rinomuka kubva zvino zvichienda mberi.
Nekuwedzera kwemari kuri kuenderera mberi
Chero zvazvingaitika, zvinoda kuwedzerwa kwemari inosvika zviuru mazana manomwe ezviuru zvemamiriyoni kuti zviitwe mumwedzi mishoma inotevera. Nemhedzisiro yakaipa pamasheya eboka rezvemari reCantabrian iro rinozotaridza kurasikirwa nemutengo muzvikamu zvinotevera zvekutengesa. Mupfungwa iyi, masheya eSantander akavhara nekudzikira kwe7.000% zvinoenderana nehumwe hunhu muchikamu ichi, kusanganisira mabhanga eEuropean. Pari zvino migove yaro iri kutengesa kuma5,75 euros. Parizvino gore rino, rinopa kuongororwa kwe16,96%. Inoenderana seimwe yemhando yepamusoro yemitengo yenyika yakasarudzika index.
Kuita kwevakuru vemunyika kwave kwakanaka nekukurumidza apo mamiriro matsva emabhangi eSpanish aizivikanwa. Kusvikira padanho raakaratidza kuti mashandiro akaitwa pasina kushandisa mari yeruzhinji uye "pasina chero hutachiona hunogona kuitika pakati penjodzi yevatongi neyebhengi, sezvakaitika kare." Chero zvazvingaitika, inhau dzinokosha kwazvo kuti inobata vanhu vazhinji, uye uko kwakanyanya kukanganiswa - nemusiyano mukuru - ndivo varidzi vemasheya ezvazvino Banco Akasarudzika
Vashandi vanorasikirwa nemari yavo
Imwe yemhedzisiro yakajeka yechiitiko ichi ndeyekuti vagovani vePositi vanorasikirwa nemari yese yavakaisa mukambani yakanyorwa. Kwete pasina, zvikamu zvakagadziriswa mukushanda, izvo zvave kungoita zvisina basa. Kana chii chakafanana, zero. Izvi inokanganisa vangangoita mazana matatu ezvemari izvo nhasi zvakaiswa mukukosha. Kunyanya, dzakatenderedza 62% yeavo vaive vabati veasingasviki chiuru mazita. Kubva pane idzi data, mhedzisiro inotorwa yekuti chikamu chikuru chevane shareholders idiki nepakati varimi vemari uye kwete hombe mari yezvipo.
Chero zvazvingaitika, mafemu emitemo akasiyana siyana ari kutoshambadza matanho epamutemo wevanhu ava kuyedza kudzosera mari yakaiswa. Mupfungwa iyi, vese vezvemari uye avo vekare vatungamiriri vangatarisana nematare edzimhosva kubva kune vagovana. Kunyangwe parizvino kugona kweichi chikumbiro kuchiramba kuchiongororwa. Chero zvazvingava, hazviziviswe kuti ipfupi-pfupi, asi kuti zvinoda kupfuudzwa kwenguva inonzwisisika yekutanga nyaya kumatare. Iyo chete tariro yevatengesi ndeyekuti kubva zvino zvichienda mberi imwe mhando yemishini ichagadzwa kuvabhadharira iyo yekuwedzera kuwedzera, sezvakaitika makore mashoma apfuura mune yakasarudzika
Vamwe vakuru vakaurayiwa nebasa rekubhengi ndivo vasungwa. Ndokunge, ivo varimari vaive vabata zvisungo kubva kune ino yezvemari institution. Zvakanaka, mune ino kesi, ivo vacharasikirwawo neyese mari yakachengetwa mune ino yemari chigadzirwa, uye sevashambadzi mumusika wemasheya. Mabhondi muenzaniso wekudyara mune yakatarwa mari, asi haina njodzi, sezvakaratidzwa pachiitiko ichi.
Sevha dzeYakakurumbira safe
Vanochengetedza sangano, kune rimwe divi, haizokanganisike neichi chiitiko chitsva. Nekuti zvirizvo, ivo vanhu vane kondinendi yekuchengetedza maakaundi, mapenjeni zvirongwa, mari yekudyara kana kunyangwe nguva dhipoziti havafanirwe kutya yavo yemari mipiro. Muchokwadi, iyo duel nyowani (Banco Santander) ichatora ese mashandiro emari. Semhedzisiro yavo, vatengi havangarasikirwe neyuro euro kubva kune izvi zvigadzirwa zvemari. Ndiro rimwe divi remari iri kubatanidzwa mukupindira uku.
Uye zvakare, ivo vanozotsigirwa neiyo mhando yeiyo zvechokwadi solvent yemari boka. Hazvishamise kuti dzimwe nyaya dzakaitika umo zviitiko zvakafanana zvakabuda zvisina kumbobvira zvakanganisa masaver. Mupfungwa iyi, haigone kukanganwika kuti vanoisa mari vari yakafukidzwa neDepositi Guarantee Fund (FGD), uye chinangwa chayo ndechekupa mari mumari uye mumasecurity kana zvimwe zviridzwa zvemari zvakagadzirwa mumasangano echikwereti. Yepamuganhu we100.000 euros yemari inoiswa.
Uye varimi veSantander?
Nezvechimwe chikamu chemari, ndokuti, vagovani veSantander, kwenguva iyo mafambiro emakambani haafanire kuvakanganisa. Kungoti nekuti zviito zvavo zvinogona kunyudzwa mu nguva yekusagadzikana kukuru. Kusvika padanho rekuti musiyano mukuru unogona kugadzirwa pakati pemitengo yavo yepamusoro uye yepasi. Kupfuura dzimwe nguva dzegore rino. Asi hapafanire kunge paine kamwe kamwe kufamba mumutengo wayo, sekuyambirwa nevamwe vevanonyanya kukosha vanoongorora emisika yemari.
Chimwe chinhu chakasiyana zvakanyanya ndechekuti chii chinogona kuitika kana misi yemari yekuwedzera iri kusvika. Apa ndipo pane zvimwe zvinowanzoitika kuti mutengo wemari udzike. Semhedzisiro ye dilution maitiro yekushanda kwemari uku. Iko isingakwanise kutongwa kunze kunyangwe kukosha kwayo kuchidzokororazve nhanho yemaeuro mana pamasheya. Izvo hazvigone kukanganwika kuti iwo ekuwedzera haana kunyatsoonekwa nevashambadzi. Nguva apo kutengesa kunoiswa pachena pakutenga.
Aya ese mafambiro achagadzirwa munguva pfupi. Ipo panguva yepakati nepakati yakareba nzira dzekudyara dzicharamba dzakangofanana nanhasi. Kunyangwe yakasimbiswa nekuvapo kukuru kweBanco Santander munzvimbo yakakura yeSpanish jogirafi.