Elinye lawona macandelo asebenzayo kwikota yokuqala yonyaka ngokuqinisekileyo licandelo leebhanki. Ayizizo izizathu zeeakhawunti zabo zeshishini, okanye ngenxa yokuba banezibonelelo ezimbalwa. Kodwa ngeli xesha isizathu kungenxa ye- iintshukumo zomdibaniso ezinokuphuhliswa kwinxalenye enkulu yamaqela ezemali kwilizwe lethu. Ngokukodwa ukudityaniswa okunokuthi kuvele kula maxesha. Ukuza kuthi ga kwinqanaba lokuba kuqeshwe izihloko kweli candelo liphezulu kuneenyanga ezimbalwa ezidlulileyo.
Esi siganeko sikhokelele kwinxalenye elungileyo yabatyali mali abancinci nabaphakathi ukuba babeke ezithile kutyalo mali lwabo. Iibhanki ezibuthathaka kakhulu kule misebenzi. Kubonakala ngathi kuya kubakho iintshukumo kwezi nkampani. Ngaphandle kwamathandabuzo ukuba ukuba wenza ngokukhawuleza okukhulu uya kuba nakho yenza imali ukonga ngokufanelekileyo. Kwaye ngubani owaziyo ukuba ungadala ugcino oluzinzileyo lokonga ukusukela ngoku ngoku kunye namandla amakhulu okuhlaziya.
Kuba, eneneni, onke amalungu eemarike zesizwe eziqhubekayo abandakanyekile. Apho kuqikelelwa kakhulu ukuba Ukuguquguquka kufakwe kwikoteyishini yamaxabiso abo. Ubuncinane kangangexesha elithile ngokwaneleyo ukuba ungathatha isicwangciso esiliqili sokwenza utyalomali. Ngomthamo weekhontrakthi ogqitha owamanye amacandelo, njengophawu lokuba kukho into eyenzekayo neebhanki zaseSpain. Okanye ubuncinci kunye nezinye zazo. Ngaba uyafuna ukwazi ukuba kwenzeka ntoni ngeli candelo lifanelekileyo lemarike yaseSpain?
Icandelo leebhanki: iintshukumo
Ukuba ufuna ukutyala imali oyigcinileyo ukusukela ngoku, awungekhe ulibale malunga necandelo lebhanki nangayiphi na indlela. A wave omtsha wokudityaniswa okanye iintshukumo zomdibaniselwano ngokubaluleka kweshishini. Ngamanye amaxesha banokuzenzakalisa izikhundla zakho kwii-equity, kodwa kwezinye iimeko ezichaseneyo. Oko kukuthi, fumana izibonelelo ezibalulekileyo kwimisebenzi eyenziweyo ukusukela ngoku. Kuya kufuneka uyithathele ingqalelo yonke into eyenzekayo ngamaziko emali.
Ukusuka kwiindlela ezinoburharha kunakwamanye amaxesha. Esi sihlandlo sinokukufanelekela ukuba uvule izikhundla, kuxhomekeke kumathuba akho emali. Ngoncedo olongezelelweyo lokuba kumaxabiso athile uya kuba nayo Ulwabiwo lwesahlulo qho ngonyaka. Ngokubuya kwimali oyongileyo enokunyuka iye kwi-6%. Ngokukodwa ukuba ixesha lokusisigxina lotyalomali lwakho lujolise kwiphakathi okanye ixesha elide. Nokuba kwenzeka ntoni kwikoteyishini yamaxabiso abo kwiimarike zemali.
Ukuqikelela ukuba ezi ntshukumo azizukuthatha ixesha elide ukukhula. Isenokuba ngumcimbi weeveki okanye kwimeko yeenyanga. Kodwa kubonakala kunokwenzeka kakhulu ukuba ubuncinci babo buya kubonakala. Ngale ndlela, akusayi kubakho khetho ngaphandle kokubona indlela eya kusabela ngayo kwiimarike zezabelo. Eyona njongo inye onokuyisebenzisa kule meko iboniswa yibhanki ngoku.
Ukudibana okuDumileyo noSabadell
Sisikhalo esikhulu kwiindawo zokurhweba ezilinganayo zaseSpain. Kubonakala ngathi nangawuphi na umzuzu unako qinisekisa iindaba. Ngayiphi na imeko, kuya kufuneka ulungele ukuthatha inxaxheba kwiimarike kwaye uzame ukufumana izibonelelo eziphezulu kulo msebenzi. Ukuya kwinqanaba lokuba iAuriga Sociedad de Valores iphantse yayithathela ingqalelo. Njengabanye abameli bezemali ngokubaluleka okukhethekileyo. Ayothusi into yokuba ingaphezulu kokuhleba. Kwaye umsebenzi wezihloko zawo kwiimarike zezemali kubonisa oku kwiintsuku zamva nje.
Iinkcukacha ezivela kwiphephandaba laseCatalan iLa Vanguardia zilumkisa ngelithi omabini la maziko aziphe ixesha lokucinga ngomtshato onokwenzeka. Kodwa kuyo nayiphi na imeko, iziphumo zokugqibela zibonakala ngathi sele zibhaliwe. Ngayiphi na imeko, yonke into ibonakala ibonisa ukuba iya kuba yibhanki yaseCatalan eyayiza kuthatha izintso kwiqela elitsha loshishino. Ukulawula i-58% yezinto ezikhoyo. Inyani ephakamisa inyani ebalulekileyo kwimidla yakho njengomtyali mali omncinci.
Kuba, enyanisweni, umbuzo ophakamayo ngalo mzuzu ngowokuba kuyinzuzo na ukuthatha izikhundla kwibhanki enye okanye kwenye. Kubonakala ngathi yeyona nto ihamba phambili izakwenzeka kwiindawo eziDumileyo. Uya kuba ngoyena mntu uya kuxhamla kakhulu kulo msebenzi. Ngokukodwa, emva kweengxaki zamvanje ezinazo kwaye zikhokelele kumaxabiso ezabelo zawo kurhwebo lwexabiso eliphantsi. Ngokuhla kwexabiso njengoko kungafane kubonwe kwizabelo zamazwe. Ukuba lelinye lamaxabiso amabi kwimarike yemasheya.
Iintshukumo eLa Caixa
Elinye iqumrhu laseCatalan yimvelaphi yokuhamba, nangona kunjalo ngeendlela ezahlukeneyo. Ngenxa yokuba kubonakala ngathi emva kohambo lwakho lwesiPhuthukezi, kubonakala ngathi ufuna ukuthatha ikhefu ngaphambi kokuqala imisebenzi emitsha. Ke ubuncinci banike izimvo ngayo kumabhunga olawulo abo. Kodwa abekho abahlalutyi bezemali abambalwa abacinga ukuba ngekhe kuthathe ixesha elide ukuphendula iintshukumo ezinokwenzeka zikaSabadell. Kubonakala ngathi le misebenzi mitsha iya kuba ngumcimbi wexesha.
Ngayiphi na imeko, ikwiqula lemisebenzi enokwenzeka kwicandelo lokugcina imali. Kunye indibaniselwano ezininzi kumdlalo. Ngenxa yale meko, iya kuba sesinye sezona sitokhwe zishushu kwimarike yesizwe. Apho kunokwenzeka nantoni na. Kuba iwele kumaxabiso ayo de amaxabiso ayo anyuke ngokubonakalayo ngenxa yezi ntshukumo zidibeneyo. Ukuya kuthi ga kumanqanaba anokubuyisa ixabiso lawo kumanqanaba ezimbali zembali. Kusondele kakhulu kumqobo wee-euro ezintlanu ngesabelo ngasinye.
I-Bankia enye yezinto ezinqwenelekayo
Emva kweziphumo zayo ezilungileyo zeshishini, yonke into ibonakala ibonisa ukuba izakuthatha inxaxheba kwicandelo lebhanki. Zonke iindaba zijolise kule ngqondo, kwaye kufuneka uyazi ukuba yeyiphi indawo omele ukuyithatha kwiintsuku ezizayo. Ewe kunjalo, ayizukuba yinkqubo elula kuba ezinye iibhanki kubonakala ngathi sele zihambisile iichips zazo ukwakha icandelo lokugcina imali. Ngexesha elingelide kakhulu.
Ngale mibono ngokubanzi, kubonakala kucacile ukuba I-BNM ngoyena mgqatswa uphambili ukwenza le ntshukumo kwicandelo lokugcina imali. Ngale ndlela, abahlalutyi bamaziko aphambili ezemali eSpain baqhwabela izandla ukudityaniswa kwala maziko mabini ezemali ngesizathu esicacileyo. Ayisiyonto ngaphandle kwexabiso elongeziweyo elinika abanini zabelo kwaye ekugqibeleni kumhlawuli werhafu ngokwakhe.
Amaxabiso angaphandle kweli candelo
Kukho nezinye izitokhwe ezikwixesha elishushu kakhulu kwixabiso lazo. Le yimeko ngakumbi Inkampani yokwakha iFCC, okomzuzu obaluleke kakhulu kwindaleko yazo. Ayothusi into yokuba baninzi abatyali zimali abancinci nabaphakathi abalinde into abanokuyenza kwiinyanga ezizayo. Apho ithembisa iimvakalelo ezinamandla kubo bonke abagcini.
Kungenxa yokuba enye yezona ndawo zitshisayo kwimarike yesizwe ngokuqinisekileyo yiFCC. Amathandabuzo amaninzi okuba ukwenziwa kwabanini zabelo kubangela ukuba amaxabiso ashukume kunye nokungazinzi okuninzi. Kuba, le nkampani yokwakha iba yenye yezona zinto zisebenzayo kwisalathiso somlinganiso wezabelo zaseSpain.
Ngokusisiseko, ibone uqikelelo lwayo luyehla ngenxa yokuhamba kweBritane kumaziko oluntu, awaziwa njengeBrexit. Ngale ndlela, iFerrovial ivelise inzuzo eyi-279 yezigidi zeerandi kwiinyanga ezilithoba zokuqala zonyaka. Nangona kunjalo, imele ukuncitshiswa okungange-42% malunga neziphumo zonyaka odlulileyo. Esinye sezizathu zezi ziphumo zibuthathaka ziyafumaneka kukudodobala kwepondo njengesiphumo seBrexit.
I-FCC: inzuzo ephantsi yeshishini
Idatha yamva nje epapashwe yinkampani yokwakha yesizwe ikwabonisa ukwehla okubonakalayo kwinzuzo yayo yokusebenza (Ebitda). Akumangalisi ukuba incitshisiwe ngaphezulu nje kwe-30%, yafikelela kwinani le-425 yezigidi ze-euro. Ikwaphenjelelwa sisiphumo kutshintsho lwemali, ngakumbi kwimali yaseBritane. Konke oku kubangele ukuba inxenye entle yabahlalutyi bezemali ibenayo lehlise ixabiso ekujoliswe kulo kwinkampani yokwakha. Kwezinye iimeko kakhulu.
Abanini zabelo abatsha kwinkampani
Enye yezinto ezisisiseko zokuhlalutya umba osisiseko yile inento yokwenza nokwenziwa kwabanini zabelo. Emva kwenkqubo ende ngokuthatha ulawulo lweenkampani kwaye ezizise ixabiso lezabelo zalo kumanqanaba ajikeleze i-euro ezisixhenxe ngesabelo ngasinye, izinto zibonakala ngathi zipholile. Isizathu asikho enye ngaphandle kwe Uhlaselo olucacileyo lwegorha laseMexico uCarlos Slim kumandla. Kuba emva kokwenza ukonyuka kwemali eyi-700 yezigidi zeerandi, kuthathe ulawulo oluchanekileyo lwenkampani emva konyaka ngaphezulu izama ukwenza esi sicwangciso seshishini.
Le nyaniso ibangela, ukuba abathengi baphinde babeke kubathengisi ngokungaphezulu ingqokelela yezihloko. Kwinto enokwenziwa yintshukumo ebuyela umva isiya kwi-euro ezingama-10 ngesabelo ngasinye. Kwimeko apho, iya kuba yindlela yokuthenga ecacileyo kubatyali mali.