Kule veki kuzakubakho intlanganiso ekudala ilindelwe eUnited States Federal Reserve (FED) apho amazinga emali yenzala angathotywa. Oku ubuncinci injongo yomongameli wangoku wase-US. uDonald Trump ngubani ofuna lo mqathango ukuba usebenze. Ngexesha apho amafu amnyama egubungela uqoqosho lwamazwe aphesheya kwaye ngaphandle kokusebenza kakuhle koqoqosho eMelika. Kwimeko nayiphi na into, ekupheleni kweveki kuya kubakho isigqibo, enye indlela okanye enye.
Iya kuba kukuzimisela okuya kuba nefuthe ngqo kwiimarike zezabelo. Zombini kwelinye icala kunye nelinye iAtlantic kwaye apho amawaka kunye namawaka abatyali mali abancinci nabaphakathi baya kulinda. Ukuze wenze isigqibo malunga nokuba kufanelekile iindawo ezivulekileyo okanye ezivaliweyo kwiimarike ezahlukeneyo zokulingana. Ngokuchanekileyo ngexesha apho izitokhwe kwihlabathi liphela zinokujika imeko yazo yangoku. Kuyakudingeka apho ukutshintsha isicwangciso-mali sokwandisa ukusebenza.
Kwelinye icala, kufanele ukuba kuqatshelwe ukuba esi sigqibo se-United States Federal Reserve (FED) sinokuchaphazela Imigaqo-nkqubo yemali yendawo ye-euro. Nangona kule ngqondo, sele bebonisile ukuba amaxabiso wenzala awuzukutshintsha, ubuncinci kude kube sisiqingatha sokuqala sonyaka olandelayo. Ngenxa yamathemba amabi okukhula koqoqosho kwindawo ye-euro kule minyaka imbalwa izayo. Apho ixabiso lemali likwezona nqanaba ziphantsi kule minyaka idlulileyo, ngokuchanekileyo kwi-0%. Oko kukuthi, imali ayinaxabiso kwaye le yinto enefuthe kumaxabiso esitokhwe.
Ukulinganisa ukunyuka eUnited States
Ngale ndlela, kufuneka kukhunjulwe ukuba i-United States inyuse amanqanaba ayo emali nge-0,25 yamanqaku, ukusuka kwi-2% ukuya kwi-2,25% ngonyaka okwangoku. Inzala yenye yezona zixhobo zinamandla kwibhanki eziphambili ezisezandleni zazo ukwenza umgaqo-nkqubo wazo wezemali. Phakathi kwezinye izizathu, kuba ukunyuka kwenqanaba lenzala kusebenza ukuthintela ukunyuka kwamaxabiso kunye nokukhusela imali, phakathi kweminye imisebenzi. Kungoko ukubaluleka kwenqanaba elinokuthathwa yi-United States Federal Reserve kule veki.
Akunakulityalwa ukuba lo mahluko ngowokuqala ukwenzeka ukusukela nge-27 kaSeptemba, 2018, xa iBhanki eNkulu inyuse inzala ngamanqaku ayi-0,25, yafikelela kumanqanaba e-2%. Ukuba ukuhla kwenqanaba lenzala Inokuqhutywa ngobunzulu benqanaba lekota ukubuyela kumanqanaba eepesenti ezi-2. Ukusikwa kwamandla amakhulu akulindelwanga njengoko kunokufunyanwa kakubi ngabatyali mali abancinci nabaphakathi. Ingakumbi kuba iya kubonisa ukuba ukudodobala koqoqosho kunokuba kubi ngakumbi kunokuba bekulindelwe ngabahlalutyi bezemali.
Iya kuba nefuthe njani kwintengiso yesitokhwe?
Enye yezinto ezixhalabisayo abatyali zimali abancinci nabaphakathi yimpembelelo yale milinganiselo yemali kwiimarike zezabelo. Ngale ndlela, yonke into ibonakala ibonisa ukuba ayizukuchaphazeleka kubundlobongela kwiimarike zamasheya eziphambili kwihlabathi liphela. Mhlawumbi kwixesha elifutshane ezinye iintshukumo, abathengi okanye abathengisi, banokukhula babuyele esiqhelweni kwiintsuku ezizayo. Apho, kwakhona, inokuba ngamaxabiso icandelo lebhanki eyona nto ibetheleke kakhulu kwizabelo zamazwe ngamazwe. Kunyaka apho baye bashiyeka ngokucacileyo ngasemva kwamanye amacandelo eshishini, anje ngombane.
Ngelixa kwelinye icala, kunyanzelekile ukuba ugxininise ukuba icandelo lezemali libonisa amaxabiso phantse kwimbali esezantsi. Kodwa kunokuba yimpazamo enkulu ukuvula izikhundla kuba amaxabiso abo anokuhla nangaphantsi kunangoku. Ukusuka kule ndawo yokujonga, akunakuthethwa ukuba amaxabiso abo abiza kakhulu kwimeko yangoku yamazwe aphesheya. Hayi lilize, kukho ezininzi imibuzo eza kusonjululwa ukususela ngoku ukuya phambili. Kwaye ngenxa yesi sizathu akusayi kubakho khetho ngaphandle kokungabikho kwizikhundla zabo ubuncinci kwiinyanga eziseleyo kude kube sekupheleni konyaka.
Ukusebenza kancinci
Ngokomgaqo, ukwehla kwenqanaba lenzala yi-United States Federal Reserve kunokuba nefuthe ngokunyanisekileyo ukunyusa kwiimarike zezabelo. Kodwa ixesha elilinganiselweyo kuba linokuncitshiswa kwiiseshoni ezimbalwa zokurhweba nangaphezulu. Ngaphandle kokuba ukwehla kwamazinga e-United States kwakububunzima obungabonwanga ngaphambili ngabahlalutyi abaphambili bezemali. Kwimeko apho, akukho mathandabuzo ukuba enye imeko eyahluke kakhulu kule iboniswe kolu lwazi iyakwenzeka.
Kukho umthetho wegolide kwiimarike zesitokhwe esithi ukuhla kwenqanaba lenzala kuthanda ukunyuka kweemarike zezabelo. Phakathi kwezinye izizathu, kuba kukho ifayile ye- amatyala amakhulu okwenza utyalomali kwii-asethi ezahlukeneyo zemali. Phakathi kwabo, ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya. Oko kukuthi, emva kwayo yonke loo nto, yintoni enomdla kubatyali mali abancinci nabaphakathi. Ngaphezulu kolunye uthotho lokuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko sexabiso lemarike yemasheya.
Guqula imeko kwi-indices
Ngayiphi na indlela, yonke into ibonakala ngathi ibonisa ukuba uguquko lwenziwa kwiimarike zokulingana kwihlabathi liphela. Ukuhamba usuka kwi-bullish uye kwi-bearish, njengoko ezinye izikhombisi zokufaneleka okukhethekileyo zibonisa. Iya kuba lithuba lokuba uvune izibonelelo Abantu abanotyalo-mali lwabo kwindawo elungileyo. Ngokukodwa ngenxa yokufika kweeholide zehlobo ezizayo. Iinyanga ezimbalwa ngokuqinisekileyo ezingathathi ntweni kukonyuka okubonakalayo kwii-indices zesitokhwe zokuphuhlisa. Ukuba akunjalo ngokuchaseneyo, njengoko kwenzekile kule minyaka idlulileyo.
Ngelixa kwelinye, kufuneka sikuthembe ukwehla okucacileyo okukhoyo kuqoqosho oluphambili lwehlabathi. Kuyamangalisa ukuba isitokhwe sihlale kumanqanaba aphezulu aphezulu kwisiqingatha sokuqala salo nyaka. Apho, umzekelo, i-Ibex 35 isemi ngaphezulu kwama-9.000 amanqaku kunye nokuhlaziywa okuncinci kulo nyaka. Ngaphandle kokuwa kwezi veki zidlulileyo ukusuka kwinkcaso eye yajikeleza amanqaku angama-9.400 kunye nama-9.500.
Khetha izitokhwe ezikhuselayo
Ngokoluvo lwenxalenye elungileyo yabahlalutyi bezezimali, yonke into ibonakala ngathi ibonisa ukuba indlela ephantsi inokuba sisisombululo kwiimarike ze-equity. Ngesi sizathu bacebisa ukuthatha izikhundla ngaphakathi amaxabiso okhuselo ngakumbi banokuthatha isimilo esingcono kunesinye. Kwimeko nayiphi na into, yonke into ibonisa ukuba ukuhla okuhla kubonakala kungumcimbi weentsuku, iiveki okanye mhlawumbi iinyanga ezimbalwa. Kuxhomekeka kwizinto ezininzi ezinokuphuhliswa ukusukela kula maxesha achanekileyo kwaye iya kuba yiyo eya kuthi ichonge ubungakanani bezi ntshukumo kwiimarike zezemali.
Kananjalo ayinakulityalwa ukuba ubulungisa belizwe bebukwizinga eliphezulu ngalo lonke ixesha kude kube ziintsuku ezimbalwa ezidlulileyo. Ngaphantsi kwe- nditsho eqale ngo-2013 kwaye engayekanga ukunyuka kweli xesha lide. Ngaphandle kwento yokuba ulungiso olusengqiqweni lwenziwe ngokuhambelana namaxabiso abo.
Ukukhutshwa kwezokhuseleko kwindawo ye-euro
Izinga lokukhula konyaka-mali lokuhlawulwa kwemali eseleyo ekhutshwe ngabahlali bendawo ye-euro yayingu-2,3 ngo-Epreli 2019, xa kuthelekiswa ne-2,4% ngo-Matshi, ngokweBhanki yaseSpain. Ngelixa kwelinye icala, kwaye ngokubhekisele kwimali eseleyo yezabelo ezidwelisiweyo ezikhutshwe ngabahlali bendawo ye-euro, ireyithi ye- Ukukhula kwe-YoY kwehlile ukusuka kwi-0,4% Ibhaliswe ngo-Matshi 2019 yehla yaya kwi-0% ngo-Epreli.
Ukukhutshwa kwemali yonke yokukhuselwa kwamatyala ngabahlali bendawo ye-euro bafikelele kwi-634,5 yezigidigidi ngo-Epreli 2019. Amortizations ayengama-650,8 billion kwaye imiba yayiyi-16,2 yeebhiliyoni zeerandi. Iqondo lokukhula lonyaka lexabiso elingekahlawulwa lamatyala akhutshwe ngabahlali bendawo ye-euro bema kwi-2,3% ngo-Epreli 2019, xa kuthelekiswa ne-2,4% ngoMatshi ophelileyo. Apho, iiyantlukwano zangaphakathi zonyaka zebhalansi engekahlawulwa yamatyala exesha lexesha elide kwinqanaba lenzala eyahlukileyo bema -1,8% ngo-Epreli 2019, xa kuthelekiswa ne--2,7% ebhaliswe ngoMatshi. Ireyithi ye- Ukukhula kwe-YoY kwehlile ukusuka kwi-0,4% Ibhaliswe ngo-Matshi 2019 yehla yaya kwi-0% ngo-Epreli.