Nei iyo Euribor isina kunaka?

Iyo Euribor icharamba isina kunaka kwemamwe makore zvirokwazvo

Makore anodarika mana apfuura, mu Kukadzi 2016, takaona yakaipa Euribor kekutanga munhoroondo. Kune avo vasingazive, iyo Euribor ndiyo avhareji yemari yemubereko iyo mabhanga makuru munzvimbo ye euro anokweretesa mari. Ndokunge, kana iyo mubereko isina kunaka, kupihwa kwemari iyoyo kunosanganisira yakaderera zita rezita kupfuura iyo mari yekutanga yakapihwa. Ichi chinhu chinobatsira here? Kwete, zvine musoro zvinotiudza kuti hatingapi mari mukutsinhana zvishoma pane zvatakakwereta. Uye ndiwo mubvunzo, kuti izvi zvakavapo sei.

Muchikamu chino tichataura nezvekuti nei iyo Euribor isina kunaka. Izvo zvakanakira mukutsvaga kwekumutsiridzwa kwehupfumi, uye kuti iyi nzira isina musoro inopesana nezvazvino inodiwa sei.

Kutarisa zvishoma kune zvakapfuura

Nei iyo Euribor isina kunaka

Dambudziko rezvemari risati ratanga iyo Euribor yakasvika 5'393%, izvi zvaive muna 2008. Kamwe pakakwirira apa pakasvika, kukwira nekudzikira kwekudzika kwezvibereko kwakatanga. Gore rakatevera, muna 2009, taigona kuona Euribor inenge 1%, yakasimuka zvishoma gare gare, asi muna 30 yakawa kwekutanga kwe2012%. Makore mana gare gare, muna 1, takaona iyo Euribor isina kunaka kwekutanga. Savers zhinji vanozoyeuka makore iwayo. Vanhu vanga vajaira kuwana purofiti kubva kusevha yavo kuburikidza nemabhengi emabhangi, kekutanga nguva yavo yainge ichipa isingabatsiri (yakatenderedza 4%).

Dambudziko rese remari rakarohwa zvakaomarara mushure mekuparara kweLehman Brothers raifanira kubhadharwa. Central mabhangi akatanga kuburitsa mari nekuikweretesa kumabhangi munzvimbo dzawo. Chikwereti chaifanira kuyerera, mari yaifanira kufamba, uye makambani uye mhuri dzaifanirwa kuitwa kukumbira mari zvakare.

Ndiani anosarudza kuti iyo yakaipa Euribor inopfuurira uye nechikonzero chei?

Izvo ndezve kufarira izvo inoratidzwa neEuropean Central Bank nekukweretesa mari kumabhangi. Chimwe chezvinangwa, sezvambotaurwa, ndechekuwana kiredhiti nemari kuyerera, ndiko kuti, kukurudzira kushandiswa. Iyi fluidity inogadziriswa nechinangwa chekuwedzera zvishoma nezvishoma inflation. Kunyangwe paine chokwadi chekuti marongero emari ekusimudzira inflation anga aripo kwemakore, haasati azadzikiswa. Inowira muzvinhu zvisina kugadzirwa zvakadai semafuta kana zvimwe zvigadzirwa zvekunze zvinotengeswa kunze kwenyika, pamwe nekushandisa zvakaderera izvo "zvinowisira" mitengo pasi, zvinodzivirira inflation kubva mukukwira. Nenzira ine mwero, zvinogona kunzi zvine hutano, zvakakwirira kwazvo zvinokanganisa hupfumi. Nenzira imwechete iyo inflation yakaipa, ndiko kuti, deflation, zvakare yakaipa kune hupfumi.

Iyo yakaderera Euribor inovavarira kukurudzira kushandiswa kumutsiridza hupfumi

Nekuda kwekuderera kwehupfumi, mhuri dzakatanga kusevha zvimwe, sezvo hupfumi hwaive hwadzikira. Kuwedzera kwekushomeka kwemabasa uye kuoma kwekuwana chikwereti kwakawedzera dambudziko. Nekudaro, kana kumutsiridza hupfumi waifanirwa kushandisa uye zvakaitwa nevanhu kuchengetedza zvakanyanya nekuti vaive mune kuderera kwehupfumi, zvakagadzira denderedzwa rinotyisa. Izvi zvinopokana zvakaita kuti mari isayerere, uye nekuda kwechikonzero ichi yakatanga kukurudzira kukwereta nekudzikisa mibairo yemubereko, ndiko kuti, kudzikisa mutengo wekukweretesa mari. Neichi chikonzero, kuwedzera chimbadzo chiri chinhu icho, kunyangwe chiri kutarisirwa, chisingagone kuitwa. Izvo zvaizoodza moyo kunyorera zvikwereti, uye nekudaro, kushandiswa kunogona kukanganiswa.

Kubatsira uye Kukanganisa kweNegative Euribor

Zvakanakira nekuipira kuve neEuribor pamitengo yakaipa

Pfungwa yekusimudzira kushandiswa zvinoenderana nemitemo yemari ine zviso zviviri. Kunzwisisa maitiro akaipa eEuribor kwete chete kunobatsira iwe kuti unzwisise zvakanyanya nezve mamiriro ehupfumi muEurozone, asiwo nemari yako wega.

Pakati pezvakanaka zvacho, paavhareji, kugona kuwana chikwereti chemba pamutero wakaderera. Kana iyo mogeji iri pamutengo unoshanduka, zvinowanzoonekwa kana iyo Euribor ichidzika, nekuti zvinokwanisika kubhadhara zvishoma, izvo zvinoshandura mukuchengetedza muhomwe. Zvemari yakamisikidzwa, iyo isiri mishoma uye zvakajairika mukutya kwekubhadhara chikwereti chakakwira, kuchinja kweEuribor hakuwanzo kucherechedzwa. Nekuve nesimba rakakura rekuchengetedza, mhuri dzinogona kuve nezvakawanda zvekushandisa, izvo zvinokurudzira kupfekedza chikamu chemakambani. Neiyi nzira, uku kutenderera kwese kwakavharwa, uye kunoguma kuchitibatsira isu tese.

Nyaya inoenderana:
Chii chinonzi Euribor

Pakati pekukanganisa kwayo kuri kunyanya kuti mutengo wemari wakaderera, ndiko kuti, ndizvo inofarira kushandiswa kune zvinokuvadza zvekuchengetedza. Dzimwe nzira dzekuisa nekuwedzera capital dzinoderedzwawo. Iyo yakaipa Euribor mhinduro yemupfupi kana wepakati izwi, asi kwete kwenguva refu.

Chokwadi chinoshamisira ndechekuti vazhinji vano saver vanofunga kuisa mari uye kuisa mari yavo kubasa, vamwe mumusika wemasheya, vamwe vachigadzira mabhizinesi matsva ... , haiwanzo kuve nemhedzisiro yakanaka. Nekudaro, inokurudzirawo uye yakadzidzisa zvirinani uye nzira nyowani kune vanhu vangadai vasina kumbozvitsvaga kare.

Ramangwana tarisiro yeEuribor

Iyo yakaipa Euribor inotsvaga kusimudzira kushandiswa uye kuita kuti hupfumi hukure

Pasati pavapo nedenda, fungidziro yemunguva yemberi yaigona kunge isiri yechokwadi nguva dzese, asi dzaive dzakasimba kupfuura nharaunda yazvino. Maonero azvino ehupfumi akafanana nehupfumi, ndiko kuti, akatendeuka. Nemisangano yakapararira munaKurume 2020, takaona iyo Euribor ichirova nhorondo, zvekuti panguva isingasviki mwedzi yaive nekudzoka kukuru (ichiri mundima isina kunaka). Mumwedzi inotevera uye kusvika parizvino, inoramba ichiderera, asi zvishoma nezvishoma.

Zvinotarisirwa kuti gore rino uye rinotevera rinotevera, iyo Euribor ichaenderera munzvimbo isina kunaka. Kutenderedza -0% ye25 uye -2020% ye0. Nekudaro, zvese izvi zvinogona kuchinjwa, zvinoenderana nekukanganiswa kwehupfumi nedenda, mhinduro dzinopihwa nezvematongerwo enyika, uyezve, nezvekuti European Central Bank inosarudza kusangana nezviitiko zvakasiyana zvenguva yemberi. Mukupedzisira, iro rekupedzisira simba uye mvumo yekufunga kuti kukwidza kana kudzikisa iyo Euribor ndeye ECB.


Izvo zviri muchinyorwa zvinoomerera pamisimboti yedu ye tsika dzekunyora. Kuti utaure chikanganiso tinya pano.

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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako