Alithandabuzeki elokuba impendulo yeemarike zezabelo kwihlabathi liphela iya kuxhomekeka kwinqanaba lokubuyiselwa kuqoqosho lwamanye amazwe. Ukuza kuthi ga kwinqanaba lokuba abahlalutyi abahluka-hlukeneyo bezemali baphakamise iimeko ezintathu ezisisiseko: V, U okanye L. Eya kuthi ekugqibeleni igqibe ukuba imakethi yesitokhwe inokuya phi kwiinyanga ezimbalwa ezizayo okanye kwiminyaka. Ngaphandle koku ukuza kuthi ga ngoku akukho kuqiniseka malunga nenqanaba elinokuthi livele kuqoqosho lwehlabathi. Kodwa kuyo nayiphi na imeko, inokukunika umkhondo ongaqhelekanga wokuphuhlisa isicwangciso esifanelekileyo sotyalo-mali, ubuncinci ungalahli mali kwezi nyanga zinzima ezisencinci.
Ngokwalo mbono, kuyakufuneka ukuba uyazi ukuba aqulathe ntoni la manqanaba okuchacha, amelwe ngoonobumba u-V, U okanye uL. indlela yokuziphatha eyahlukileyo kwiimarike zezabelo. Oko kusebenza kuthetha amawaka namawaka eeuros kwimisebenzi evulekileyo kwiimarike zezemali. Ayifani, ke ngoko, ukuba kukho ukubuyela kwimeko yezoqoqosho ngendlela ye-V kunye no-L. Phakathi kwezinye izizathu, kuba iimpendulo ekufuneka zinikwe iya kwahluka kakhulu, kokubini ngokwembono yezemali neyezemali.
Ngelixa kwelinye icala, kuyimfuneko ukugxininisa into yokuba inqanaba lokuchacha Iya kubaluleka kakhulu ukuze ilahleko yentengiso yemasheya inganyuki kwiinyanga ezizayo. Okanye ngokuchaseneyo, inokuphakamisa ii-indices zayo eziphambili zesitokhwe. Esi sesinye sezizathu zokuba kutheni kufuneka sinike ingqwalaselo kwinto eya kuba yindlela yokuphuma kule meko intsha iboniswe luqoqosho lwamazwe ngamazwe. Ke ngoko, ukubuyiswa kwe-V, U okanye uL kuya kuthatha isigqibo sokubona impendulo yeemarike zentengiso, kwilizwe lethu nangaphandle kwemida yethu.
Ukufumana kwakhona kwi-V
Ubume be-V yimodeli ethandwa kakhulu ngumntu wonke, hayi abatyali mali kuphela kwimarike yemasheya kuba ibonisa ukuba impembelelo yayo ayinakuba phezulu kakhulu. Ukuba akunjalo, ngokuchaseneyo, iya kubonisa ngokucacileyo inani elijikelezayo eliya kuthi lincede iimarike ze-equity ukuba ziphinde zibuye ngexesha elifutshane kakhulu. Ewe, kule meko eli nani lenzeka xa kumiswa ngesiquphe kuqoqosho kodwa ukubuyela kwimeko yesiqhelo kukhawuleza. Yeyona meko yokuchacha inamandla kunayo yonke kwaye ayihlali ibanomonakalo omkhulu kubatyali mali abancinci nabaphakathi, ngakumbi abo bahambisa iintshukumo zabo kwixesha eliphakathi kwaye ngakumbi ixesha elide.
Kwelinye icala, kufuneka kugxininiswe ukuba ukusukela ngoku into yokuba olona qikelelo luqinisekileyo lusekwe kwingcinga yokuba ziiveki nje ezimbalwa zokuvalelwa eziyimfuneko kakhulu. Nangona iphindaphindeka ngakumbi into yokuba sithandabuze ukuba le meko iya kuzalisekiswa ekugqibeleni kuba intsholongwane isasazeke ngamandla amakhulu kwiplanethi. Ngenxa yendlela ethile yokuba imeko ye-alamu yandisiwe eSpain kwaye le yinyani echasene nenyani yokuba yenzeka ngohlobo lwe-V eyona nto uyifunayo ngabo bonke abameli bezemali. Ngokuthandabuza ngakumbi nangakumbi malunga nokumiliselwa kwawo kwimveliso yelizwe leplanethi.
Ukubuyiselwa kwakhona kwi-U
Ezi zezona meko zinokwenzeka kunye nezo ziphathwe ngabahlalutyi bezemali kuba kukuba ekugqibeleni izikhombisi zoqoqosho bathatha ixesha elide ukufikelela kwinqanaba lokudodobala koqoqosho. Kwaye yeyona ininzi yeengcali ezinokuthi zivele xa lo bhubhani mkhulu kangaka wezempilo uphela. Apho abanye baba bameli bezezimali baqwalasele ukubuyiswa komhlaba kwi-U, nangona inqanaba lesicaba lingahlala ithutyana. Kuba ngokusebenza kwayo, elinye lamaqhosha kule meko lixesha apho isigaba esithe tyaba siza kuhlala kuba sinokuba bhetyebhetye ngexesha lokuhlala kwaye sinokuchaphazela abatyali mali abancinci nabaphakathi ngandlela thile.
Kananjalo nenyani yokuba kule meko inokuthi ivelise ukuba impendulo elungelelanisiweyo yeeBhanki eziMbindi kunye nokusabela okuchaseneyo kwemali kwicala lamazwe kunganceda ukubuyisela ukukhula kwikota yesine yowama-2020. Ngaphandle kokuba I-rally emile emide.Phakathi kwimpembelelo kwiimarike zezabelo kwihlabathi liphela. Ngaphandle kwenyani yokuba ukubuyela umva kokungaguquguquki okuthile kunokwenzeka kwaye baqinisekile ukwenzeka kwiintsuku nakwiiveki ezizayo. Ewe kunjalo, ayisiyiyo imeko ebalaseleyo kubatyali mali, kodwa zikho ezinye iimeko ezibi njengoko sizakubonisa apha ngezantsi.
Ukubuyiselwa kwakhona kwi-L
Yeyona meko imbi kubo bonke kwaye iyoyikwa kakhulu ngabatyali mali abancinci nabaphakathi. Phakathi kwezinye izizathu, kuba ayivelisi ukubuyela umva koqoqosho okoko kwakulindelwe ukusukela, ngapha koko, eli nani limele ukudodobala kwezoqoqosho kunye nokubuyela kwimeko yesiqhelo emva koko. Kuyakhathaza kakhulu kuba ukubuyiswa kwezalathi zoqoqosho olukhulu ezinje nge ingqesho okanye i-GDP inokuhlala iminyaka, okanye amashumi eminyaka. Esi sisizathu esaneleyo kuba sitsho ukuba imeko yezoqoqosho iqhubeke okokoko kwaye ngenxa yoko ibuye ibe nexhala. Ukuza kuthi ga kwinqanaba lokuba inokuchaphazela ukusasazeka kovalo, hayi kuphela kubatyali mali, kodwa nakubemi ngokubanzi.
Ukufunyanwa kwakhona kwe-L kuya kuba ngumonakalo ngakumbi kwimidla yentengiso yezabelo. Phakathi kwezinye izizathu, kuba iimarike zentengiso zinokuqhubeka nokuhla iinyanga okanye iminyaka njengoko kungekho ndlela yakuphuma kule meko imbi kuwo wonke umntu. Ke ayinanto yakwenza nokuchacha kwi-V okanye U kuba its iimpembelelo zahluke kakhulu nakumaxesha okuthotyelwa. Kungenxa yokuba ekupheleni kosuku le nto usixelela yona kukuba ingxaki yezoqoqosho iza kuhlala ixesha elide kakhulu kunokuba bekulindelwe kwasekuqaleni. Ngefuthe elibi kwizikhundla zabatyali mali abancinci nabaphakathi.
Idatha ezayo enkulu
Ngelixa kwelinye icala, kufanele ukuba kuqatshelwe ukuba ngeli xesha akukaziwa ngokuqinisekileyo ukuba ingaba le ngxaki izakuba yintoni. Kwaye oku kuthandabuza kwenzakalisa ukuvela kweemarike zezabelo. Kuba, ngenene, ayinakulityalwa ukuba enye yeentshaba ezinkulu zotyalo-mali ngamathandabuzo ezinokuveliswa ngala maxesha. Ukuya kwinqanaba lokuba isenokuba ngumqondiso wokuqhubeka kokuhla kwestokhwe kwihlabathi liphela, ubuncinci kwikota elifutshane. Apho, akunakungathandabuzeki ukuba imisebenzi eya kuthi ekugqibeleni igqibe impumelelo okanye hayi kutyalo-mali kwimarike yemasheya yenzeka ngokuthengisa.
Emva koko kuya kufuneka sinikele ingqalelo kwinto esinokuyixelelwa yidatha enkulu kwiiveki ezizayo. Kuba baya kunika umkhondo ongaqhelekanga malunga nenqanaba lokubuyiselwa kuqoqosho kwihlabathi liphela. Ngenxa yokuba ziimodeli ezahluka ukusuka kwenye inkqubo ukuya kwenye okanye kwifom kuphuhliso lwesiphelo. Kananjalo nenyani yokuba iya kuthi ekugqibeleni igqibe ngeziphumo zemisebenzi yethu kwiimarike zezabelo. Ngale ndlela, kungekudala siza kuba nomqondiso ongaqhelekanga osixelela ukuba siyaphi kule meko ikhethekileyo.
Jonga izithuba kwiitshathi
Ukunyaniseka okukhulu lolunye uthotho lweempawu ezibonisa ithuba elifanelekileyo lokuthenga okanye lokuthengisa kwimarike yemasheya. Olunye lwale miqondiso zizikhewu, ezithi, ngokubanzi, zichazwe njengendawo okanye uluhlu lwamaxabiso ekungakhange kwenziwe msebenzi. Umzekelo, kwi nditsho singathetha ngesikhewu kwitshathi yemihla ngemihla xa isithunzi esiphantsi sosuku olunye singaphezulu kobude besithunzi sosuku lwangaphambili. Kwihlazo eliphantsi kwesithunzi somhla omnye kuya kuba sezantsi kunesezantsi somhla wosuku olungaphambili.
Kulo mgca, ukuze kubekho isithuba esinyukayo sokukhula kwitshathi yeveki okanye yenyanga, kuya kufuneka ukuba elona nqanaba liphantsi lirekhodiweyo phakathi evekini okanye ngenyanga libe ngaphezulu kunelona liphezulu lifikelelweyo kwiveki edlulileyo okanye kwinyanga ngokulandelelana. Kodwa kufanele kuqatshelwe ukuba zikhona ezinye iintlobo zezikhewu ezibonakala phakathi kokuvalwa kunye nokuvulwa kwemihla ngemihla, kuba zininzi zazo ziveliswa kwangolo suku lunye kwaye zingabonakali kuninzi lwabatyali mali. Ezi zikhewu zinokubaluleka kwezobuchwephesha kwaye zihlala zibonelela ngolwazi ngakumbi kunezinye izithuba.