Ii-asethi zerhafu ezimiselweyo

Ii-asethi zerhafu ezimiselweyo

Ngamanye amaxesha kubonakala kufanelekile ukufumanisa malunga nemiba yezobuchwephesha echaphazela thina ekuhlaleni, kwaye nangona singajongiswanga kangako kufuneka siyiqonde ingqikelelo ebandakanya oko xa sijamelene umba woluntu. Isenokungabi sisihloko esaneleyo, kodwa xa ikhona kwifayile ye- ii-asethi zerhafu ezimiselweyo utshintsho olukhawulezileyo lunokubeka emngciphekweni uzinzo kwezemali, imeko leyo ebangela umdla wokwenene ekusaziseni ngayo.

Ikhomishini yaseYurophu sele iza kuqala ngophando ii-asethi zerhafu ezimiselweyo, eyaziwa ngesifinyezo sayo ngesiNgesi i-DTA, evela kwiibhanki e-Itali, Spain, Portugal nase Greece.

Zithini iiasethi zerhafu emiselweyo?

Ii-asethi zezo zenzeka xa ilahleko zirekhodwa ngaphakathi kwexesha elinokuthi lihlawulwe kamva, ngelixa izibonelelo ziveliswa, oko kukuthi Ityala lemali. Utshintsho luye lwavela ngenxa yokuba kukho umgaqo wesisombululo esangena ngo-2014 apho kwakufuneka ukuba ii-DTA zebhanki zithatyathwe kwizibonelelo zazo, oku akusayi kuqinisekisa ukuba ixabiso lazo liqhubeka kwimeko apho iqumrhu uhamba kwiingxaki zemali.

Ii-asethi zerhafu ezimiselweyo

Njengakwimeko yaseSpain, umzekelo, ngo-2013, ngenyanga ka-Novemba, kwagunyaziswa ukuba inxenye yezi asethi inokugcina ixabiso lazo ixesha elide. Uluvo oluphambili belungekho kangako ukuba a uncedo lokuzenzela kwicandelo lezoqoqosho kodwa ke babe nakho ukuyixhobisa ngonyango lwerhafu apho iibhanki kunye nezinye iinkampani bezonwabela kwamanye amazwe ezwekazi laseYurophu. Imigaqo yerhafu yaseSpain inzima kakhulu kunaleyo yamanye amazwe aseYurophu ekucingeleni ngexesha lokusebenzisa la makhredithi, kufanele kuqatshelwe ukuba, ngokungafaniyo namanye amazwe, akuvumelekanga ukubuyisa iirhafu ezihlawulwe kwiminyaka engentla. kwimeko apho ilahleko zibhengezwe kwinkampani.

Kunzima ukuqonda iinjongo zokwenyani okanye yintoni inkuthazo yokwenza uphando olunokwenzeka, ke abo bathethileyo bavumile ukuba okwangoku ngumcimbi nje iileta zolawulo ngokubhekisele kwabasemagunyeni bamazwe abandakanyekayo, ekwamkeleni ukuba le mibuzo yenziwe kwii-MEPs ezithile.

Umcimbi uhlala uyimeko emangalisayo xa ujongwa ngokusesikweni okanye kwindawo yokujonga okungaguquguqukiyo. Kodwa kutheni usenza ukungaqiniseki okungako malunga nomba ovavanyiweyo kwaye wamkelwa kakhulu ngu IKhomishini yaseYurophuukuya kodwa kwilizwekazi laseYurophu. Kuye kwacetyiswa nakwiingxelo ezibalulekileyo ukuba omabini la maziko athathe la manyathelo omthetho sele ekhankanyiwe malunga nee-asethi zerhafu ezimiselweyo ukuxhasa ubume bezoqoqosho beli candelo. Kwaye kwabangelwa ukuba kwenziwe uhlalutyo olupheleleyo malunga nomgangatho weeasethi ezikwi-ECB.

Zithini ii-DTA?

Amacandelo ezeMali Baneendleko ezinokuthi zinciphise izibonelelo zabo kodwa, ngenxa yomthetho, kude kube namhlanje, abakhange bakwazi ukutsala irhafu yoluntu, oko kuthetha ukuba bahlawula irhafu engaphezulu kunokuba befanele ukuhlawulwa. Ngesi sizathu nasemva kokwenza uthelekiso namanye amazwe omthetho waseYurophu kwinto evunyelweyo ukubuyekeza.

Ke ngoko, uqoqosho kunye noNondyebo balamkele ilungelo lokugcina ezo ndleko ukuze zisetyenziselwe ixesha elizayo ngenjongo yokunciphisa irhafu abaza kuyibhatalela izibonelelo eziza kubakho kule minyaka izayo. Ngenxa yeso sizathu yaziwa njengokuchaziweyo.

Zivela phi ezi ndleko zingatsalwayo?

Ii-asethi zerhafu ezimiselweyo

Kukho imithombo emithathu apho zivela khona ezi ndleko. Eyokuqala ivela izibonelelo ezinazo iibhanki Kwenziwe ntoni ukuze ubenako ukugubungela umngcipheko wokulahleka kweeasethi zakho kwixa elizayo, ngakumbi ukuba ityala elonyusa iipropathi lithathwe kwimimiselo yaseGuindos ka-2012. Ukubonelelwa kwemali eyinkunzi kuyasuswa kwisibonelelo, kodwa njengoko kungenjalo ilahleko yokwenyani, imali iyaqhubeka nokugcinwa kwiziko kwaye isiseko soqoqosho apho irhafu yeNkampani ibalwa khona ayincitshiswa, ke ngoko kwenziwa i-asethi yerhafu emiselweyo.

Umthombo wesibini ngulo uqulethe igalelo elenziwa ziibhanki kwizicwangciso zomhlala-phantsi zokugubungela abasebenzi babo, eyimali ebanjwa njengenkcitho kwaye enciphisa isibonelelo, kodwa kuba igcinwe ngendlela efanayo, ayixhuzulwa nayo.

Kwaye okokugqibela, umthombo wesithathu uku Ilahleko ezivela kwiminyaka edlulileyo ukuba, ngokomthetho okhoyo kwirhafu yombutho, xa inkampani ibonisa ilahleko, inokuyisebenzisa ukunciphisa iirhafu eziza kuzihlawula kwixa elizayo, xa zithathelwa ingqalelo njengenzuzo kwakhona.

Amaziko aseSpain akhalaze ngokungabinamthetho ufanelekileyo iikhredithi zerhafu. Njengakwimihlathi edlulileyo besikhankanyile, imimiselo yaseGuindos yiyo ebophelela onke amaziko ezoqoqosho eSpain ukuba abonelele ngeeasethi ebezithathwa njengezineengxaki ngo-2012. Imali ebalulekileyo ebangele ilahleko ngokubanzi kwicandelo, yenzelwe ntoni ikamva lilinkunzi enkulu eyayimiselwe kwizicwangciso zepenshini, ekwayingxaki, ngakumbi kwiibhanki zaseSpain.

Oku kwehla kwinto yokuba icandelo linama-euro angama-50 ezigidi. ukuba kuthathelwa ingqalelo ukususa ubulungisa kweli nani kuthetha ukuba amaziko aseSpain kufuneka afune ukunyuswa kwemali ngokubanzi.

Ngesi sizathu, imigaqo yaseYurophu iBasel III, Banikwe isithuba seminyaka eli-10 ukuba bathabathe ngokuthe chu, kwaye ngenxa yoko ifuthe lincipha kakhulu, kodwa iimarike zona ziya kufuna ukuba amaziko anyanzelise iimfuno ezahlukeneyo zesolvency nazo zonke izinto abazenzileyo ngokungathi loo minyaka ili-10 sele idlulile. , abo bangayiphumeziyo baya kohlwaywa.

Urhulumente uvumile ummiselo wasebukhosini womthetho apho kuchaziwe ukuba ibhanki inokuqhubeka nokubala njenge ikomkhulu le-DTA. Ngale ndlela, ukusukela ngalo mzuzu iikhredithi zerhafu zinokuphinda zifunyanwe nangaliphi na ixesha kwaye akusayi kubakho mda wexesha kuzo ukuba ziqatshelwe ngolu hlobo, kangangokuba izibonelelo azinakubonwa kwangaphambili njengoko ukubhengezwa njengongenakulindeleka kubonwe ngendlela efanayo.

Okwangoku xa iziko liphulukene neelahleko, kwixa elizayo, urhulumente uya kuba nguye oya kuthi endaweni yalo abeke inxenye yemali eseleyo eza kuhlawulwa ukuze ikwazi ukuyifumana kwaye xa kunokwenzeka ukuba ibhengezwe njengongenamali. galela yonke into ukusombulula le meko.

Amazwe aseYurophu Banemithetho eyahlukeneyo yerhafu kwiindawo ezinokuthi ngandlel 'ithile zonakalise umthamo wee-asethi zerhafu emiselweyo, umzekelo, kukho amazwe athe avuma ukuba iziseko zerhafu ezingalunganga ziye zalungiswa ngeziseko zerhafu ezilungileyo ezivela kwiminyaka edlulileyo, ngenxa yeso sizathu khange iikhredithi zerhafu ezenziwe zafunyanwa kwakhona kwixa elizayo.

Ii-asethi zerhafu ezimiselweyo

Kukwakho namazwe anokuba nesisa ngakumbi kuneSpain ngokweenkcitho zawo zemali kunye nemigqaliselo yelahleko yemali mboleko.

Ngokubanzi, iibhanki azivumelani nomgaqo omtsha, oku kungenxa yokuba amaziko abekwe esweni akanelisekanga ngumgaqo omtsha ngokubhekisele kwiikhredithi zerhafu, kungenxa yokuba kucingelwa ukuba inokubenzakalisa kwimiba eyahlukeneyo. Kungenxa yokuba kuxwebhu olugunyazisiweyo ngurhulumente uqobo, ngaphandle kokuba ibinguthethathethwano kunye necandelo kangangeeveki, inkcukacha khange ithathelwe ngqalelo, eyokuba ukuhanjiswa kweeasethi akuzange kwenziwe ngendlela efanayo.

Kungenxa yoko le nto izinto ezintathu zingekaveli ii-asethi zerhafu ezimiselweyo ngokudluliselwa kweempahla zayo ezinetyhefu zezindlu kunye nomhlaba eSareb. Inkcazo enikiweyo yeyokuba kuye kwafuneka benze amalungiselelo okuhlawula ilahleko zabo ngenxa yezi zinto zinamatyala, umhlaba kunye nomhlaba nezindlu kwaye benza okufanayo ngo-2012, apho kugqithiselwa kwizinto ezimbini, yiyo loo nto bengakhange bamise izinto zerhafu zenziwe.

Ngaba kuya kubakho impembelelo kwiiakhawunti zikarhulumente?

Ukuba luza kubakho utshintsho kwi iiakhawunti zikarhulumente, kodwa oku kuyakuba okwethutyana kwaye kuncinci kakhulu. Kungenxa yokuba akukho meko yokuba inkxaso-mali kawonke-wonke ithathe ilahleko yamashishini ngelo xesha umthetho othe waqala ukusebenza, njengoko besesichazile ngasentla, ke ngoko, kuyaqondakala ukuba ucinga ukuba isiphumo sengeniso yerhafu siyinyani, kodwa Ngendlela encitshisiweyo, ke ifuthe liza kuba lincinci kakhulu kunoko banokulindela abaninzi. Kubalulekile ukuba ulwazi malunga nalo mbandela luhlale lugcinwa lulwelo ukuze wazi malunga nemeko yezemali yelizwe.

 

 


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  1.   UJuan Jerez sitsho

    Jonga ndizamile ukufunda de kube sekupheleni, ukubona ukuba ndingafumana into ecacileyo na, kodwa ibingenakwenzeka kum. Onjani umbhali wokushicilela. Akukho ndawo yokuyibamba.