Ukungazinzi okukhoyo kwiimarike kwezi ntsuku I-Italiya neSpain Ukohlwaya kabukhali amaxabiso e icandelo lebhanki. Phantse ngaphandle kokukhetha kunye nenqanaba lokuthengisa elitsala umdla wabahlalutyi bezemali. Ukuza kuthi ga kwinqanaba lokuba ukuhla kwamaxabiso kuqhubeke akubekwa ngaphandle kwezi ntsuku zimbalwa zizayo. Ngayiphi na imeko, kukho izigidi ezininzi zotyalomali ezinezikhundla ezivulekileyo kwezi zindululo zokulingana zilahlekile. Apho ukuthengisa kunyanzelisa ukuthengwa. Ngevolumu ephezulu kakhulu yorhwebo ebonisa ukunyaniseka kwezi ntshukumo.
Ngelixa kwiintsuku ezimbalwa, isalathiso esikhethiweyo kwimarike yaseSpain, i-Ibex 35, malunga ne-4% ishiyekileAmaxabiso amelwe ziibhanki achaphazeleka kakhulu. Phakathi kwezinye izizathu ngenxa yokuba isimilo sayo sikukugcina kodwa amacandelo emarike yemasheya aseleyo. Ngokwehla kwezinye iimeko ezingaphezulu kwe-5%. Oku kubonisa ukuba ayilixesha elilungileyo lokukhetha iibhanki ngexesha elinzima kangako kwicala leemarike zezemali. Apho imithambo-luvo isemaphethelweni onyawo kwaye nangawuphi na umzuzu uvalo lokuqhubeka kwendlela yentengiso yangoku inokufika.
Ayizizo kuphela iibhanki zaseSpain ezikhoyo ukuwa nzima kwezi ntsuku zokungaqiniseki okuninzi. Kodwa ngokuchaseneyo, le meko yokuthengisa ikwachaphazela ilizwekazi elidala, nangona kungenjalo njengakwilizwe. Licandelo eliphulukana nenkxaso yokuhambelana okukhethekileyo kwaye libhengeza ukuwa okongeziweyo kwiintsuku okanye kwiiveki ezizayo. Apho eyona nto isebenzayo kukuba semacaleni ezikhundla zabo. Ubuncinci kangangexesha elingaphezulu okanye elingaphantsi.
Iibhanki: ubuthathaka kwindlela yabo
Ukuba uguquko lweebhanki zaseSpain ngeli xesha luphawulwa yinto ethile, ngokungathandabuzekiyo kukomelela kwazo kwezobuchwephesha kwaye nangona ezinye zazo zinokukhula okuphezulu kwixesha eliphakathi kwaye ngakumbi ixesha elide. Kodwa ekusebenzeni okukhawulezayo, ukubonakaliswa okungafunekiyo ngeli xesha kufuneka kuthintelwe. Kukho umngcipheko ngaphezu kwezibonelelo ezinokuvelisa indawo zakho ezivulekileyo. Ngomngcipheko wokuphulukana nenxalenye elungileyo yenkunzi mali. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye kwanakwindawo yokujonga esisiseko.
Iingcebiso zabahlalutyi bezemali zicace gca kula maxesha achanekileyo: thengisa, uthengise kwaye uthengise. Kwaye ukuba awuchanekanga kolu hlobo lokhuseleko, elona qhinga lotyalo mali kukulinda. Kuba ngaphandle kwamathandabuzo kuya kubakho ithuba lokuthenga izabelo zabo amaxabiso okhuphiswano ngakumbi kunabo babonisa ngoku. Njengomphumo wale meko, into yokuqala abaza kuyifumana abatyali mali abancinci naphakathi kukukwazi ukwandisa inzuzo yabo. Ewe, xa iimarike zezabelo ziye zaphola. Into ethi okwangoku inzima kakhulu nangona kuya kufuneka sinike ingqalelo ukujonga ukuvela kwayo.
I-Bankinter ijolise kukwahlukahlukana okukhulu
Ngenxa yomba wobuchwephesha, lowo ubonakalisa imbonakalo engcono uvela kubameli bebhanki ekumgangatho ophakathi njenge-Bankinter. Akumangalisi ukuba ivale iinyanga ezintathu zokuqala ze-2018 ngenzuzo epheleleyo ye-143 yezigidi ze-euro, kunye nenzuzo ngaphambi kwerhafu ye-195,9 yezigidi. Ezi datha zimele ukukhula kwe-15%, kunye ne-14,2%, ngokulandelelana. Ngokumalunga nomgangatho wobugwenxa oboniswe yile bhanki, yi-3,40% ukusuka kwi-3,90% kunyaka ophelileyo. Ngayiphi na imeko, kuye kwaphuculwa ubuchwephesha kwiinyanga nje ezidlulileyo okukhuthaze abatyali mali abaninzi ukuba bavule izikhundla kweli qela lezemali, nangobungozi obubandakanyekayo kolu hlobo lomsebenzi.
Lixabiso lokuzikhusela ngakumbi kwicandelo lokugcina imali kwaye khange bohlwaywe ngolu hlobo kwezi ntsuku zokungazinzi kwezopolitiko noqoqosho ngaphambili. amazwe ombuso wendawo ye-euro. Ngayiphi na imeko, sisiphakamiso esiqokelela umngcipheko othile kuba ekugqibeleni zonke iibhanki ziya kwehla ngokubhekisele kulungelelwaniso lwamaxabiso abo. Nangona iintshukumo zeBankinter ngokuqinisekileyo azinabundlobongela kubo bonke. Endaweni yokuba bahambe ngokumodareyitha okukhulu.
I-Bankia: ichazwe kancinci kwisitena
Olunye uphawu lwee-equities zaseSpain yi-Bankia ngenxa yeempawu zayo ezizodwa. Ngale ndlela, kufanele kukhunjulwe ukuba ibhanki yolondolozo yakudala yaseMadrid ifumene inzuzo eyi-229 yezigidi zeerandi kwikota yokuqala yonyaka. Athini amandla akho xa kuthelekiswa nokhuphiswano? Ewe kubaluleke kakhulu ngoku ngobugwenxa obuncinci kunye nokuvezwa kwezitena. Oku kudlala indima ekuthatheni ngobulumko izikhundla kwixabiso, kuba ayinakulityalwa ukuba ingene kwelona candelo libi kwiveki ephelileyo.
Ewe, i-Bankia inike ingxelo ngezibonelelo ezininzi kubatyali mali abancinci nabaphakathi kule minyaka idlulileyo. Kodwa kungenxa yesi sizathu sokuba usemngciphekweni omkhulu izilungiso zinobundlobongela kunakwezokhuseleko oluseleyo kwicandelo lokugcina imali. Isizathu esingaphezulu kokwaneleyo ukuba singabikho kwizikhundla zabo ixesha elifanelekileyo. Ayothusi into yokuba abanye abahlalutyi bezemali baqwalasele ukuba ixabiso lalo lixatyisiwe ngalo mzuzu. Ngenxa yokuba ithengisa phantsi koxinzelelo lokuthenga oluncinci kwaye lincinci.
I-Santander iye yonakala kumgangatho wayo wobugcisa
Ngokubhekisele kumbutho wezemali ophethwe nguAna Patricia Botín, umbono awuthembisi konke konke. Oku kusekwe kwinto yokuba kwiintsuku ezimbalwa ezidlulileyo ilahlekile uluhlu lwangasemva olwenzileyo kwiinyanga ezilishumi elinambini ezidlulileyo. Kwaye kwakumelwe ntoni kumanqanaba ee-euro ezingama-5,1, kwaye ukusukela ngoku ukuya phambili iba yinto ebalulekileyo yokuchasana nexesha eliphakathi. Enye into esebenza ngokuchasene nokubekwa kwindawo eBanco Santander kukuba ikwanamava otshintsho olomeleleyo lokungazinzi. Umahluko obanzi phakathi kwamaxabiso aphezulu kunye neyona isezantsi.
Ngokuchasene noko, asinakulibala ukuba eli qela lezemali lelinye lawona mazwe anamandla ehlabathini kwaye oko kufanele kuncede ukuwa kwalo kulawulwe ngakumbi kunakwamanye amaqela asebhankini. Le yinto enokunceda abatyali mali abancinci nabaphakathi ukuba bahlale bezithembile kwezi zikhundla. Akumangalisi ukuba anikezele nge uzinzo olukhulu kwezi nyanga zidlulileyo, nangona ngoku imeko yahluke kakhulu. Yiloo nto esi siphakamiso sinika abatyali mali, esemachibini abo bonke abahlalutyi bezemali.
I-BBVA enezinga eliphezulu lokungaqiniseki
Elona xabiso liphosakeleyo kwicandelo lebhanki laseSpain ngokungathandabuzekiyo yiBBVA. Ngesizathu esingaphezulu kokukholisa kwaye kunjalo kumgangatho ophantsi wonyaka. Le yinto enokubangela ukuba ukuthengisa kuqhubeke kwixesha eliphakathi ngenxa yobuthathaka oboniswe lixabiso lalo kwaye obonisa ukuba yonke into inokuba mbi. Into engadlaliyo ukunyanzela ukuthengwa ukusukela ngoku, kwaye iyakuxabiseka ngohlalutyo olubalulekileyo ngabatyali zimali zentengiso. Ngaphandle kwezinye izinto ezisisiseko ekufuneka uzivavanye kwezi veki.
Enye yeemeko ezinokubakho ezinokuthi zikhule kukuba iintshukumo zeBBVA zezi Amaxabiso abo ebhaptizwa kwisitishi se-bearish. Ukuze ixabiso lezabelo zabo lihambe kumanqanaba aphakathi kwe-5,60 kunye ne-5,32. Logama imeko yeemarike zezemali ziba bearish kwiiveki ezimbalwa ezizayo. Ngayiphi na imeko, sisigqibo esinzima kakhulu ukusithatha kwimeko yangoku. Nangona kwiintsuku zamva nje, izabelo zeBBVA zibonakalisiwe ngokubonisa umthamo omkhulu wezorhwebo.
Banokwenza ntoni abatyali mali?
Kule meko ivelayo ukusukela ngoku ukuya phambili, esona sigqibo sihle siya kuba yiya kolunye ukhuseleko kwimarike yaseSpain. Logama umxholo weemarike zezemali ufana nowangoku. Kwaye oku engxoweni akunakuze kukhuselwe, njengoko uyazi ngokwakho. Ngayiphi na imeko, enye yeendlela onokuthi ukhethe kuzo kukusebenzisa isaphulelo ukwenza ulondolozo lube nenzuzo. Kwiklasi yexesha elifutshane kakhulu yokusebenza eya kufana kakhulu nezo ziphuhliswe kwiseshoni enye yorhwebo. Nangona kunjalo, uzibeka emngciphekweni wokubambeka kwizikhundla ezivulekileyo.
Ewe kunjalo, esona sicwangciso sisebenzayo nesikhuselekileyo ngaxeshanye singqinelwa kukwenziwa kwekhontrakthi kwezinye iimveliso zezezimali. Umzekelo, imali yotyalo-mali esekwe kwiiasethi zemali ezinokuthenjwa ngakumbi kunesitokhwe. Njengokuba kunokuba njalo kwimeko yemathiriyeli ekrwada okanye nakwizikhundla ezisekwe kukungazinzi kweemarike zezemali. Apho unokuba nohambo olukhulu lokunyuka ngexesha lokungaqiniseki okukhulu kwezoqoqosho. Ubuncinci ungayizama kwizikhundla ezilondolozayo okanye ngokuchaseneyo nenkunzi esezantsi kunokuba ubushukuma kwezi ntsuku.
Ngokutshox