Imarike yemasheya ihlala sisixhobo esibi kumasheya ecandelo leebhanki emva kokwandiswa kwe- intsholongwane ye-Corona Kwaye uninzi lwazo sele lurhweba kwiminyaka ephantsi edlulileyo. Ngokukodwa, izinto zebhanki zinemfuno eyahlukeneyo, zikho kwiindawo ezahlukeneyo ezinokusikhokelela ekucingeni ukuba ingxaki eSpain, nokuba inokuba mandundu kangakanani, inokuhlanjululwa ngale ndlela ichazwe ngasentla. Ukuya kwinqanaba lokuba ezi zilawula ubukho bentshukumo yequmrhu eyenzeka phakathi kwezinye zeebhanki ezihlanganisiweyo kwisalathiso sezabelo zamashishini alinganayo kwilizwe lethu, i-Ibex 35.
Le nyaniso inokwenzeka ngenxa yokuba ivela kwi-European Union (i-EU) nakwi- KwiBhanki ePhambili yeYurophu (BCE) ibicebisa kangangexesha elithile kwaye ibongoza nokudityaniswa kwamashishini ukuphucula ubumbano lwawo. Ngale ndlela, kufanele kukhunjulwe ukuba kwezi veki kukhunjulwa ukuba indibaniselwano phakathi kweDeutsche Bank kunye neCommerzbank yaphazamiseka ngokusemthethweni kunyaka ophelileyo. Enye yeebhombu ezinkulu ezaziza kuchaphazela icandelo elinamandla ngaphakathi kwe-EU. Kodwa ngoku kugxilwe kumaziko emboleko yesizwe kuba imeko yabo ayisiyiyo ebalaseleyo emva kweziganeko ezithe zenzeka ukusukela kwiiveki zokuqala zika-Matshi.
Ixesha apho amaqela ezemali aseSpain ehle kakhulu kwiimarike zezabelo zaseSpain. Kwimida ejikelezayo phakathi kwe-30% kunye ne-50%, ethi okuninzi kwicandelo elinobunzima obukhulu kwi-Ibex 35 kwaye nefuthe ekubeni ijolise kwi Amanqanaba amanqaku angama-6000s. Nangona kamva iphinde yabuya nge-15% njengesiphumo sokubonakala kwangaphambili kweemarike zentengiso kwihlabathi liphela. Kuzo zombini iimeko, lelinye lawona macandelo asebenzayo kolu luhlu lwexesha lonyaka. Ngamaxabiso aphambili, kunokuba yinto enomdla kakhulu ukuqala ukuthatha izikhundla kwezi asethi zemali. Ngezaphulelo ezifanelekileyo ngokubhekisele kumaxabiso abo onyaka wokuqala wonyaka.
Iibhanki: kunokwenzeka i-OPAS
Enye yeemeko eziqwalaselwayo kwezi ntsuku kukudityaniswa kokuthengwa kwezinye iibhanki ezikhoyo kwimarike eqhubekayo yelizwe lethu. Ukusuka kule ndlela kwisicwangciso seebhanki, enye yeentshukumo ezivakala kakhulu kumaqela eearhente zezemali ngumanyano phakathi IBanco Santander kunye neBBVA. Kuba, enyanisweni, iya kuba yinguqu yokwenene kweli candelo libaluleke kakhulu kuqoqosho lwaseSpain. Njengoko kungumsebenzi omkhulu onokuphazamisa imeko yentengiso yesitokhwe yecandelo lonke ukusukela ngoku. Ngovavanyo olwahlukileyo kwimeko nganye.
Ngelixa kwelinye icala, ayinakulityalwa ukuba umbono ovela kwimibutho yoluntu kukunciphisa inani lamaziko emboleko ukuya kubuncinci. Into esele kuthethwe ngayo ukusukela ngeengxaki zokugqibela zoqoqosho, emva ngo-2009 kwaye ngoku kubonakala ngathi kuthathelwa ingqalelo njengesiphumo semo yezoqoqosho yangoku kwihlabathi liphela. Kwaye oko kubangelwa ziimpawu ezizodwa zecandelo lokugcina imali kwilizwe lethu kwaye oko kuhlala kunjalo kwakamsinya kunakwelixa lamaqela ezemali. Apho kwi-Ibex imigca engama-35 eyahlukeneyo yeshishini idityanisiwe ngaphakathi kweli candelo loshishino: iibhanki ezincinci, eziphakathi nezikhulu. Ngolawulo olwahluke ngokupheleleyo kulowo nalowo kwaye njengakwelinye icala kusengqiqweni ukuqonda kwiiarhente zezemali.
Ukuziphatha okubi kakhulu ngo-2020
Ngayiphi na imeko, kukho inyani ekhanyisa kakhulu kwaye lelo candelo lebhanki lelona linentsebenzo imbi ukusukela ngeentsuku zokuqala zikaJanuwari. Ngokwehla komndilili kwicandelo elifikelele kwezi ntsuku amanqanaba asondele kakhulu kuma-36%. Ngendlela engathandekiyo esele ikho nangaphambi kokuba ingxaki yezempilo ivele ngenxa yolwandiso lwe-coronavirus. Ngokwehla komgangatho okuye kwacaca kangangeenyanga ezininzi ngokubhekisele kuyo yonke imiqathango yesigxina: emfutshane, ephakathi kunye nexesha. Ngokulibaziseka okukhulu ngokubhekisele kwamanye amacandelo afanelekileyo esalathiso sezinto zokulingana zelizwe lethu, ngokwahluka okunokufikelela kumanqanaba kwikoteyishini yamaxabiso abo ngaphezulu nje kwe-5% okanye i-10%.
Ngaphakathi kulo mxholo ngokubanzi, icandelo lebhanki eSpain ayilolona lufanelekileyo ekwenzeni ulondolozo lube nenzuzo ukusukela ngoku. Ukuba akunjalo, ngokuchaseneyo, kukushiya kwi-radar ebusweni bento enokwenzeka kwiiveki ezizayo. Kodwa ayisiyonto inomdla ukuyenza naluphi na uhlobo lokuthenga kuba kuninzi ukulahleka kunokuzuza. Ngomngcipheko ekusebenzeni ngokupheleleyo akuyomfuneko kwimidla yethu yobuqu kwinxalenye eseleyo yonyaka. Kuba into esengqiqweni kukuba amaxabiso abo abona amaxabiso asezantsi kwikota ezizayo kwaye le nto kufanele ukuba isishenxise kwezi zikhundla kwimarike yemasheya kuba akukho mathandabuzo ukuba sinokuba nezimanga ezininzi ezimbi ukusukela ngoku.
Ukudityaniswa okunokwenzeka
Eminye yemidibaniso enokuthi yenzeke ukusukela ngoku kweli candelo libalulekileyo lemarike yemasheya kwilizwe lethu kuxoxwa ngalo kumaqela abatyali mali. Ngale ndlela, enye yezona zinto zinokwenzeka ngulowo ophambili kuye I-Bankia kunye neCaixabank kwaye inokuqhuba ukudibana okunokwanelisa umdla wabanini zabelo kuwo omabini la macandelo enkqubo. Kuzo zombini iimeko, bakwinqanaba leminyaka emininzi eyadlulayo kwaye ngokuthoba imeko ngokucacileyo kuzo zonke iimeko zokusisigxina. Kwaye kwimeko yebhanki yakudala yokonga yaseMadrid, inokuyithatha iye kumanqanaba angaphantsi kweyunithi yeyuro okokuqala. Xa kunyaka ophelileyo wayekwimeko yokuhlasela inkcaso ayenayo kwiiyuro ezintathu ngesabelo ngasinye.
Enye indibaniselwano ephethwe kwimarike yemasheya yeyona inezona bhanki zincinci zincinci njengeyona protagonists. Phakathi kwezo zivelileyo Unicaja kunye neLiberbank, phakathi kwezinye zezona zibalulekileyo. Ngobuthathaka obuxabiseka kakhulu kwaye ngenxa yoko kunokubathatha baphakame ngokungathethekiyo kwiinyanga zokugqibela zonyaka ophelileyo. Kwelinye icala, oku kudityaniswa kuya kuba yenye yeminqweno yamaqumrhu alawulayo, kwinqanaba lesizwe nangaphandle kwemida yethu, njengoko benqwenela amaqela ezemali anemisipha emikhulu ukuba aphendule kubathengi. Into abangayinikezeliyo okwangoku okanye ubuncinci ngendlela engonelisiyo yeearhente zezemali.
Icandelo eliza kusokola kakhulu
Ngayiphi na imeko, zimbalwa iibhanki ezidityanisiweyo kwipotifoliyo yotyalo-mali yeemali ezinkulu zolawulo. Ngenxa yokuba besiya besanda umda osezantsi kwinzuzo yabo kwaye amaxabiso enzala okwangoku akummandla ombi njengesigqibo KwiBhanki ePhambili yeYurophu (ECB) ukwenza umgaqo-nkqubo wokwehlisa ixabiso lemali. Inyaniso engathandabuzekiyo eyenzakalisa ishishini kula maqela ezemali kwaye ibonakalisiwe kuqikelelo lwawo kwiimarike zezabelo. Apho ixabiso lezabelo zeBanco Santander lingaphantsi kwe-euro ezimbini kunye nezo ze-BBVA ezintathu zeerandi. Ixabiso elingahambelani nobunzima obuthe ngqo kwezi greats ezimbini ze-Ibex 35.
Ngelixa kwelinye icala, kufanelekile ukugxininisa into yokuba icandelo lebhanki ligxunyekwe kubunzulu obukhoyo ngoku kunye namandla amakhulu azakwenza ukuba ukubuyiswa kwezikhundla zayo kubenzima kakhulu. Ngaphandle kwenyani yokuba ukubuyela umva okunokwenzeka kunokwenzeka ngalo mzuzu kanye kwaye kuya kusebenza ngaphezulu kokuthenga izabelo zakho ukuze uhlengahlengise izikhundla phantsi kwamaxabiso okhuphiswano kunakwimigangatho yawo esezantsi. Kwimeko apho eyona nto ikrelekrele kukuba ibe lulwelo ngokupheleleyo ebusweni kwinto enokwenzeka kwiinyanga ezizayo. Ubuncinci ngokubhekisele kwixesha elifutshane kwaye apho kungekho xabiso lenza isalathiso esikhethiweyo sezabelo kweli lethu libonisa imeko ethembekileyo yobuchwephesha.
Le iphantse ibe yi-X-reyi eboniswa licandelo lebhanki ngamaxesha anzima kakhulu otyalo-mali kwimarike yemasheya. Ngaphandle kwayo yonke into, ukutyala imali kwimarike yemasheya yeyona ndlela ilungileyo yokwenza ukonga kube yinzuzo, ngakumbi ukuba ijolise kwixesha eliphakathi kwaye ngakumbi ixesha elide. Kungenxa yokuba umngcipheko kwezinye iiasethi zemali uphezulu, kodwa apho iibhanki ingezizo iindlela ezilungileyo zokuqalisa ubudlelwane bethu neemarike zezi mpawu. Kuba usenokuhla ngentloko kuvavanyo lwakho.