Liya kukuchaphazela njani izinga lokunyuka kwamaxabiso eMelika?

I-United States itshintshe umgaqo-nkqubo wayo wezemali ngokwenyuka kwezinga

I-United States Federal Reserve (FED) iyiphelisile inkqubo yezoqoqosho kwaye ithathe isigqibo sokunyusa inzala nge-0,25%. Emva kweenyanga zokudideka, umzimba olawulayo wase-US ekugqibeleni uthathe isigqibo sokunyusa ixabiso lemali. Ayilonyuko olomeleleyo, olunomtsalane kangako, kodwa inomthwalo obaluleke kakhulu wesimboli okoko ixesha elide kakhulu lokukhuthaza imali liphelile. Ngokukodwa, khange yenze kangangesithuba seminyaka elishumi, ngakumbi kwi-2006, kungekudala ngaphambi kwengxaki enkulu yezoqoqosho echaphazele amazwe aphambili.

Iziphumo ziye ngaphaya kwemida yayo, njengoko kusengqiqweni ukuyiqonda, kwaye kukho abasebenzisi abaninzi kunye nabatyali mali kweli cala leAtlantic bayamangala indlela le mali ingaka izakubachaphazela ngayo. Ingakumbi kubudlelwane bayo neemarike zesitokhwe, kodwa kunye nokunxibelelana kwayo neemveliso zokonga.

UJanet Yellen, umongameli weFederal Reserve ucacisile ukwaziswa ngokutshintshwa kwemali ngokuchaza ukuba "ukubuyela umva kuhambe indlela ende, nangona ingekagqitywa." Isibhengezo esipheleleyo seenjongo esibonisa ukuba uqoqosho lweli lizwe lokuqala ukuya phi. Nangona kungekho mbandela ubaluleke kangako ebhodini, kwaye oko kuya kuchaphazela abaseYurophu: ¿Ngaba i-European Union iyakulandela indlela efanayo?

Imeko yezemali eYurophu

Indlela yelizwekazi lakudala, okomzuzwana, yahluke mpela kuleyo yaseMelika. Umgaqo-lawulo wemali ukwandiswa ngokupheleleyo, kwaye kulindeleke ukuba uqhubeke okungenani iinyanga ezimbalwa. Isizathu asikokungabikho kokudityaniswa koqoqosho loluntu, olukhokelele kukhuthazo lwemali lokuqhubeka kwekhosi yabo. Hayi ngelize, kwintlanganiso elandelayo ngoMatshi, U-Mario Draghi, umongameli webhanki ekhupha iYurophu, sele ebhengeze ukuqaliswa kwemali entsha.

Khawukhumbule nje loo nto Ixabiso lemali kummandla we-euro ngokuqinisekileyo alikho, kufutshane no-zero, ngenxa yesi sicwangciso sezoqoqosho sele sichaziwe. Kwaye enye yezona zinto ziphambili zayo inefuthe kwiimveliso zokonga ngokwesiko. Inzuzo yayo ingaphantsi kwezembali, kunye nezivuno kwiidipozithi zekota ezijikeleze i-avareji yonyaka ye-0,35%, kwaye eyahlukileyo kwezo zaveliswa ngesisa kwiminyaka embalwa edlulileyo. Ipesenti ekufutshane ne-5% inokubonwa, nangaphezulu kwizindululo zebhanki ezinoburharha.

Ngokuchasene noko, abafaki zicelo zemalimboleko okanye imali mboleko zezona zithandwayo kukusetyenziswa komgaqo-nkqubo wezemali kwi-European Union. Umdla weemveliso zawo uwele kakhulu kule minyaka idlulileyo, kwaye apho imali mboleko evela kwiibhanki yeyona nto ibalaseleyo kuyo. Akumangalisi ukuba umlinganiso waseYurophu, i-Euribor, ukwinqanaba elingaziwayo. Ukumiselwa ngokusesikweni kwemisebenzi yayo, ke, kuyanceda kule meko yoqoqosho lwasekuhlaleni.

Impembelelo kubatyali mali

Ngaba le nto izakuchaphazela njani iimarike zaseYurophu?

EYurophu akukho ngqikelelo yokuba amaqondo enzala aya kunyuka, ubuncinci de kube kunikwe imiqondiso yokuqala yokubuyiselwa kwezoqoqosho. Kwaye kule ngqiqo, ukuwa komsebenzi ovelisayo we iTshayina Idlala ngokuchasene notshintsho lwendlela yomgaqo-lawulo wemali. Kuba inokuchaphazela ukusetyenziswa kunye nokunyuka kwamaxabiso.

Le meko iya kuba nefuthe kwiimarike zezabelo. Ngenxa yokunyuka kwereyithi eMelika, amaxabiso achaphazeleka kakhulu kwimarike yestokhwe yaseSpain iya kuba yile inxulumene nezinto ezingavuthiyo kunye nezixhobo ezisisiseko. I-Arcelor, i-Acerinox okanye i-Repsol iya kuba ngamanye amaxhoba. Kodwa abanye baveze uqoqosho olukhulayo, ngakumbi abo baseLatin America. Ngale ndlela, i-Telefónica kunye nezinye iibhanki ezikwinqanaba eliphezulu ngokungathandabuzekiyo ziya kuba zezona zichaphazeleka leli nyathelo.

Ngokubhekisele kwicala eliphumeleleyo, alithandabuzeki elokuba baya kumelwa kakuhle ziinkampani ezithumela impahla ngaphandle, njengakwimeko ethile ye-Inditex. Elinye lala mahashe aphumeleleyo iya kuba ziinkampani zabakhenkethi (i-NH Hoteles, iSol Melia okanye iAmadeus). Kwaye ngokwendalo iinqwelomoya - kunye ne-IAG njengoyena mphathi weflegi iphambili-, kwaye amanyathelo abo aya kukonyuswa nokwehla kwexabiso lokurhabaxa. Ukuba lolunye lwezona zikhetho zicetyiswayo ngabahlalutyi bemarike yemasheya.

Kuthekani ngomgcini waseSpain?

EYurophu kunyanzeliswa amandla emali

Enye imeko eyahlukileyo yile ichaphazela abagcini abancinci baseSpain. Ngaba ukubuya okuphantsi kwiimveliso zokonga eziphezulu kuya kuqhubeka? Iibhanki zihlala zithwaxwa ngulo mbuzo ubuzwa ngabathengi bazo eziphambili. Ngokukodwa abagcini abagcinayo abanemali yabo abayigcinileyo kwezi mveliso (iidipozithi zekota, amanqaku ezithembiso zebhanki, iiakhawunti zokonga okanye izicwangciso zepenshini).

Ngokubhekisele kwiziphumo zokunyuka kwamaxabiso kwelinye icala leAtlantic, iimpembelelo kulondolozo lwabasebenzisi bebhanki baseSpain ziya kuba ngaphantsi kokuxabiseka. Uya kuqaphela umohluko omncinci kakhulu, ngaphandle kwamathandabuzo. Ayothusi into yokuba iiakhawunti zangoku kunye needipozithi zekota aziyi kuphantse zichaphazeleke. Enye into eyahlukileyo iya kuba yile nqanaba eza kusetyenziswa kummandla we-euro. Ke ewe, isiphumo siya kuqatshelwa ngokukhawuleza kuzo zonke ezi mveliso zezezimali, ngokunyuka kwezivuno zazo.

Kunoko, iimpembelelo kumashishini amancinci naphakathi ukuba baqala ukuxhaswa. Ukunyuka kwexabiso lemali eMelika kwenza ukuba abo imisebenzi yabo isekwe kuthumelo kumazwe angaphandle bakhuphisane ngakumbi, kunye nezibonelelo ezikwicandelo lokhenketho. Iya kuba ngabo bazama ukwenza ukuba le milinganiselo ibe nenzuzo ngamathuba amakhulu kumashishini abo. Kwaye nangayiphi na imeko, abayi kuxolelwa kwamanye amakhonkco kunye nezinye iiparameter zoqoqosho, kokubini kuzwelonke nangaphandle kwemida yethu.

Ngaba lixesha lokutyala imali kwimarike yemasheya?

Ukujongana nale meko intsha yoqoqosho, uninzi lwabatyali mali abancinci nabaphakathi bayazibuza ukuba ingaba lixesha elifanelekileyo na eli ukuqala ukuthatha izikhundla kwiimarike zezabelo. Ngokomgaqo, kufanele kuqatshelwe ukuba ukunyuka okunyukayo kwiirhafu akufumaneki kakuhle kubatyali mali. Ewe akunjalo, ngokuchasene noko. Kwaye ihlala ivelisa iintshukumo ezantsi ezantsi kwiimarike zamasheya, ngamanye amaxesha zinempendulo enkulu kakhulu. Nangona abanye abahlalutyi becinga ukuba sele benesaphulelo kwizabelo zeenkampani.

Ukusuka kule ndawo yokujonga, Iimarike zaseYurophu zixabiseke ngakumbi kuneemakethi zaseMntla Melika ukuthatha isikhundla, ngakumbi kwixesha eliphakathi nelide. Ngamandla anamandla aphezulu, nangona okwangoku umzila wayo uhanjiswe phantsi koxinzelelo olomeleleyo kumjelo wokuthengisa. Kwaye kwisalathiso somgangatho wesizwe, kukhokelela ekubeni avavanye isithintelo seengqondo samanqaku angama-8.000. Ngenye yezona zinyanga zibuhlungu kule minyaka idlulileyo njengoJanuwari.

Ngayiphi na imeko, ayisiyiyo kuphela imeko kwintengiso yesitokhwe sikazwelonke, kodwa zonke ii-indices zentengiso yemasheya bezikwintsimi engathandekiyo kwiiveki zokuqala zonyaka, ezinye zinobundlobongela obufanayo. Nokuba unentshukumo eziguquguqukayo, ezikuthintelayo ekukhetheni isicwangciso esifanelekileyo sokusebenza.

Iingcebiso ezilishumi zokutyala imali

Iingcebiso ezilungileyo zokuhamba kwiimarike

Le meko, eyona nto ibalulekileyo kuqoqosho lwaseMelika, kufuneka ikhokelele kutshintsho oluncinci kwisicwangciso kubatyali zimali zentengiso. Kuya kufuneka balungelelanise iipotifoliyo zabo zotyalo-mali ngokwemigaqo-nkqubo yemali kwimimandla eyahlukeneyo yezoqoqosho kwiplanethi, kwaye ngenxa yoko, balandele uthotho lweengcebiso ngokusekwe kula manyathelo alandelayo.

  1. Khetha iimarike zaseYurophu phambi kwabantu baseMntla Melika, okanye olunye uqoqosho lwesibini. Ngabo abaya kwenza ezona ntshukumo, nokuba zikhona iingxaki kuqoqosho lwabo, njengoko kunokubonwa namhlanje kwindaleko yabo.
  2. Mka, okwangoku, kuso nasiphi na isikhundla sithathe kwiimarike ezisakhulayo Ezona zichaphazeleka kakhulu kolu hlobo lwamanyathelo okwandiswa kwemali, kwaye oko kunokuba nokuphucula izilungiso kwiinyanga ezizayo. Okwangoku, le meko sele iviwe ekuqaleni kwalo nyaka mtsha.
  3. Thenga izabelo zokhuseleko ezixhamliwe yile nqanaba, ekonakaleni kweenkampani ezinxulunyaniswe nezinto ezingafunekiyo, okanye namandla. Kwaye apho ukhetho oluchanekileyo luya kuba yipasipoti efanelekileyo yokufuna ukusebenza okungcono kulondolozo lweentsapho.
  4. Yenza ngononophelo, inikwe ithuba lokuhamba okunamandla okwenza kube nzima kakhulu ukwenza nasiphi na isicwangciso sokusebenza kwiimarike zezemali.
  5. Ukukhuselwa kwelifa lethu kuya kuba yinto eqhelekileyo kuzo zonke izenzo zakhoKwaye ukuba kunyanzelekile ukuba siphumle kubudlelwane bethu nezabelo, akuyi kubakho khetho ngaphandle kokuyifumana ngokukhawuleza kwaye ibaleke ngokukhawuleza.
  6. Abatyalomali, njengakwimeko yakho, kufuneka bajonge iimveliso ezikhuselekileyo ngokunokwenzeka, ezinokuthi xa kunokwenzeka Ukuqinisekisa igalelo lezoqoqosho kunye nembuyekezo encinci, kwaye ngaphandle kokulindela uhlaziyo olubonakalayo ngexesha lentsalela yonyaka.
  7. Kuya kubakho ezinye iindlela ezizezinye eziluncedo onomdla kuzo, kwaye banokuthi bavele kwimali yotyalo-mali ekubuyiselweni ngokupheleleyo, ukhuseleko kunye nezivuno eziphezulu, nokuba ingathenga iibhondi zaseNyakatho Melika.
  8. Kuya kufuneka uphephe ukunxibelelana nayo nayiphi na imveliso eyityhefu, okanye ubuncinci obunika ukubonakaliswa okucacileyo komngcipheko. Ayizizo ezona zicetyiswayo kwimeko yezoqoqosho yangoku. Hayi ngelize ungaphulukana nenxalenye ebaluleke kakhulu kwikomkhulu lakho.
  9. Musa ukungxama xa usenza izigqibo, kwaye kukhethwa ukuba ucamngce ngendlela oza kuyithatha. Nakuphi na ukubala okungalunganga kunokukwenza ukuba ulahlekelwe yimali eninzi, ngaphezulu kokucinga. Sukulibala.
  10. Kwaye okokugqibela, asisayi kubakho esinye isisombululo kwimozulu kunaleyo khetha iimodeli eziguquguqukayo. Banokuziqhelanisa nazo zonke iimeko zentengiso yezemali, kuzo zombini iimeko ezibanzi nezingaphezulu.

 


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