Sikwimeko yentengiso ngokungagungqiyo kwaye elinye lamathandabuzo avelayo ngalo mzuzu kukuba ingaba kufanelekile na ukuthenga izabelo kwicandelo lokugcina imali okanye hayi. Ngenxa yokuba lelinye lawona macandelo eshishini ahlaselwe kakhulu njengesiphumo se ukuvela coronavirus. Ngokuwa malunga neepesenti ezingama-40 kwaye oko kubangele ukuba amaxabiso abo ancitshiswe kakhulu. Ngamanye amaxesha, ziipesenti ezingama-50 xa kuthelekiswa nenyanga ephelileyo kwaye zingenza abatyali zimali abancinci nabaphakathi bacinge ukuba inokuba lithuba elilodwa lokuvula izikhundla kwezinye zestokhwe.
Kule meko jikelele, leyo inikezela ngokungathandabuzeki nangaluphi na uhlobo kukuba icandelo lebhanki lelona licandelo le-Ibex 35 kwaye iBanco Santander kunye neBBVA baphambili kwezi zithintelo. Ngexabiso elijikeleze i-2,10 kunye nee-euro ezingama-3 kwisabelo ngasinye, ngokwahlukeneyo. Ngesi sizathu, ayothusi into yokuba amathandabuzo amakhulu aziswe ngabatyali zimali abancinci nabaphakathi agxile kwiibhanki ezimbini ezinkulu, iBanco Santander kunye neBBVA, kwaye ukuya kuthi ga kwinqanaba elincinci ezinye iibhanki ezibaluleke kakhulu zaseSpain, zidwelisiwe Ibex 35, njengoko kunjalo ngeCaixabank, Bankia, Bankinter kunye neBanco Sabadell. Kodwa ngaba lixesha elifanelekileyo lokungena kwezi zokhuseleko kwelinye lamacandelo akhethiweyo esalathiso sezabelo zamashishini kwilizwe lethu?
Okokuqala, kufanele kuqatshelwe ukuba le misebenzi inokuba yinzuzo kakhulu ukuba ijolise kwixesha eliphakathi kwaye ngakumbi ixesha elide. Kuba ibonelela ngamanqanaba abaluleke kakhulu ngaphezulu. Kuba ayisiyonyani kangako ukuba ixabiso leencwadi zabo liphakame kakhulu kunoko amaxabiso abo abonisayo kwezi ntsuku zibalulekileyo. Apho kufaneleke kakhulu ukuba ixabiso layo lokwenyani lingaphezulu, nangona umzuzu apho amaxabiso abonisa le meko yeenkampani ezidweliswe kwiimarike zezabelo zelizwe lethu.
Inkalo yobuchwephesha yeebhanki
Kuzo naziphi na iimeko, ukusikwa kuye kwabalasela kwaye ngaphezulu kwezo ziboniswe ngamanye amacandelo eshishini. Ukugqitha ukusuka kwelinye imeko esecaleni kwenye ngokucacileyo ngokucacileyo emva kokuba onke amaziko emboleko ephule zonke izixhasi ababenazo phambi kwabo. Ukuza kuthi ga kwinqanaba lokufumana kwakhona imeko yangaphambili kuya kufuneka ukuhlaziya amaxabiso abo kumanqanaba asondele kakhulu kwi-70%. Imeko ekungenakwenzeka ukuba yenzeke ngalo mzuzu okoko isalathiso esikhethiweyo samasheya eSpain kuya kufuneka siye kumanqaku angama-9.000. Yimeko yokuba ubuncinci ayinakwenzeka ukuba yenzeke kwelona xesha lifutshane.
Ngelixa kwelinye icala, kufanelekile ukugxininisa ukuba enye into ebaluleke kakhulu kukuba iibhanki zikwimeko engathandekiyo kwimidla yecandelo labo. Njengokuba inzala ikwintsimi engathandekiyo, nakwimbali esezantsi. Ngokufanelekileyo, Ixabiso lemali li-0% kwaye ke izibonelelo zamaziko emboleko ziye zehliswa kule minyaka idlulileyo. Ngaphandle kotshintsho kwindlela kwiinyanga ezizayo nakwiminyaka embalwa ezayo. Kwimeko apho imeko yabo inokuboniswa kumaxabiso abo kwiimarike zezabelo, nanjengoko ibisenzeka phambi kokuba ubhubhane wale ntsholongwane yokuphefumla uvele.
Ukurhoxiswa kwezahlulo
Esinye isiphumo sale ngxaki yezempilo kukuba sithathwe kwintlawulo yalo mvuzo kubanini zabelo. Ngale ndlela, i KwiBhanki ePhambili yeYurophu (I-ECB) inyuse isandi kwaye ibongoza iibhanki ukuba zingasasazi nzuzo phakathi kwabanini zabelo ngelixa imeko yezoqoqosho ekhutshwa sisifo secoronavirus sihlala sikhona. Iziko izolo lihlaziye isindululo esenziwe ngokubanzi kwimigaqo-nkqubo ekwahlulwahlulwayo eyakhupha ekuqaleni konyaka kwaye ibongoza iibhanki ukuba ziyirhoxise intlawulo kubanini zabelo kude kube ubuncinci ngo-Okthobha u-1. Ukuze ngale ndlela, iziphumo eziveliswe kukuqhambuka kwesi sifo sibaluleke kakhulu sinokuncitshiswa, esichaphazele umhlaba wonke.
Lo mkhwa uvulwe ngu-Banco Santander kwaye ulandelwe ngamanye amaziko emboleko ngaphandle kwe-Bankinter, ethe yanikela lo mvuzo kubanini zabelo ngo-Matshi. Olu tshintsho kwisicwangciso-qhinga kunokubangela inani elikhulu labatyali zimali abancinci nabaphakathi ukuba baphelise izikhundla kweli candelo kwabanye abagcina le ntlawulo ngexesha elifanelekileyo neliphindaphindayo. Umzekelo, kwimeko yeenkampani zombane, ezizezona zinokuxhamla kokwahluka kokuziphatha kwabo kwiimarike zezabelo kweli lethu.
Kusenokwenzeka ndingafiki emhlabeni
Ewe amaxabiso ecandelo lebhanki, ngaphandle kwezokhenketho, yeyona ibonakalisa okona kusebenza kukhulu. Ayisiyiyo kuphela kumaqela asebenza eSpain, kodwa nakwalawo asekwe kwi European Union. Ukuza kuthi ga kwinqanaba lokuba inqaku lokunyusa alikafumaneki kwiitshathi zemihla ngemihla. Ukuba akunjalo, ngokuchaseneyo, yonke into ibonakala ibonisa ukuba izakuya kwinqanaba elitsha lexesha lonke kwiintsuku ezizayo. Ngale ndlela, abo basebenzisi bemakethi yesitokhwe abanqwenela ukuzibeka kwicandelo baya kuba namathuba okuba bathenge izinto ngexabiso elinokhuphiswano oluninzi kunolo luboniswe kwezi seshoni zokugqibela kwimarike yemasheya.
Kwelinye icala, banokuchaphazeleka kukungabikho kwemali okuncinci okubonwa kwimarike yemali kwaye kuyathandabuzeka kufuneka ibonakaliswe kwiiakhawunti zeshishini, ubuncinci kwikota yokuqala neyesibini yalo nyaka unzima kakhulu kumaziko emboleko. Apho ukuchacha kwakho kuya kuba nzima kakhulu ukufezekisa. Kwaye ke, mabangabikho kwizikhundla zabo ebusweni bento enokwenzeka ukusukela ngoku. Kuba enyanisweni, ngaphandle kwamaxabiso asezantsi kakhulu abathengisa ngawo ngalo mzuzu, ayinakutsho nangayiphi na indlela ukuba ixabiso lezabelo zabo liphantsi kakhulu. Akukho kuncinci, njengoko uninzi lwabahlalutyi kwiimarike ze-equity zigxininisa kwezi ntsuku. Ngengcebiso yokuba ungazibeki kwicandelo kude kufike enye iodolo.
Ikota yekamva lebhanki
Ngayiphi na imeko, akukho mathandabuzo ukuba ikota yokuqala yalo nyaka iye yabulala icandelo lebhanki kwimarike yemasheya. Izinto ezintandathu ezidweliswe kwi-Ibex 35 (I-Banco Santander, i-BBVA, i-CaixaBank, i-Bankia, i-Bankinter kunye ne-Sabadell), Bephulukene nesiqingatha senzuzo yabo. Konke oku kwixesha elibhalwe kukufika okungalindelekanga kokudodobala kwezoqoqosho njengesiphumo sengxaki enkulu yezempilo ebangelwe yi-coronavirus. Kwaye iye yawafumana onke la maxabiso njengelinye lamaxhoba amakhulu kwiimarike zentengiso, kunye namawaka kunye namawaka abatyali mali abanjwe kwizikhundla zabo kwaye bengayiboni indlela yokwenene yokuphuma kule tonela inde.
Ngelixa kwelinye icala, ayinakulityalwa ukuba iingxaki zecandelo lebhanki azikho ntsha, kodwa ngokuchaseneyo, sele zivela ngasemva. Kungenxa yoko le nto abatyali mali bakho banokuqhubeka nokubandezeleka kude kube sekupheleni konyaka. Kungenxa yokuba akukho xesha lokuba baziphathe njengendawo ekhuselekileyo ukuzama ukujamelana nemimoya yezikhundla ezimfutshane ngokuchasene nabathengi. Kwaye kunye neemeko zokuthomalalisa zokuba izikhundla ezixhonyiweyo kwiimarike zezabelo kwilizwe lethu zinqunyanyisiwe okwangoku. Ewe, nakule ntsebenzo babenakho ukubuyela kwizikhundla zabo kwiiveki ezidlulileyo. Isenzo sayo sithintelwe kuphela kwimida ethile efana nale iveliswe kwiintsuku zokugqibela zika-Matshi ophelileyo.
Ukungazinzi kufutshane ne-10%
Enye yezinto ezingalunganga kakhulu kukuba ukungazinzi kwezi stock kusondela kwinqanaba le-10%. Ngale ndlela, kunzima kakhulu ukwenza nasiphi na isicwangciso-mali esinokuthenjwa nesingazuzisi kangako kwimidla yethu. Ngaphandle kwentshukumo ephuhliswe kwiseshoni enye yokuthengisa kwaye yaziwa ngokuba yimisebenzi yangaphakathi. Ngale ndlela, banelungelo lokuba imali yabo yentengiso iphezulu kakhulu, ngakumbi xa kuthelekiswa namanye amacandelo enza i-Ibex 35. Oko kukuthi, amaxabiso okungena kunye nokuphuma anokuhlengahlengiswa ngcono kumaxabiso ezi mpawu. .
Okokugqibela, kufanele ukuba kukhankanywe ukuba kukho amathandabuzo amakhulu malunga nexesha apho amaziko emboleko angabuyela umva. Ukuthatha isikhundla ngalo mzuzu ungoyena sisigqibo esinobungozi. Ngenxa yokuba kukho umngcipheko omkhulu wokuba kukho ithuba elikhulu lokulahleka kwemali kunokuphumelela. Ubuncinci logama nje amathandabuzo abamba amaxabiso eli candelo linzima lemarike yaseSpain. Ayothusi into yokuba kungathatha iinyanga ezininzi kule meko intsha.