Kutheni le nto i-Euribor ingenanto?

I-Euribor iyakuhlala imbi iminyaka engaphezulu ngokuqinisekileyo

Ngaphezulu kweminyaka emi-4 eyadlulayo, kwi NgoFebruwari 2016, sabona i-Euribor engalunganga okokuqala ezimbalini. Kulabo abangaziyo, i-Euribor ngumyinge wenzala ophakathi apho iibhanki ezinkulu kwindawo ye-euro ziboleka imali. Oko kukuthi, ukuba inzala ayibi, ubonelelo lwaloo mali lubandakanya isixa esisezantsi esilinganiselweyo kunelo belinikwe ekuqaleni. Ngaba le nto iyinzuzo? Hayi, ingcinga isixelela ukuba asizukunikela ngemali ngokutshintshisa engaphantsi kunaleyo sibolekileyo. Kwaye ngumbuzo, ukuba kwenzeke njani oku.

Kule nqaku siza kuthetha malunga nokuba kutheni i-Euribor ingalunganga. Izibonelelo ekukhangekeni kokuvuselelwa kwakhona koqoqosho, kwaye nendlela le ndlela ingekho ngqiqweni echaseneyo nayo ngoku iyimfuneko.

Ukujonga kancinci kwixesha elidlulileyo

Kutheni i-Euribor ingalunganga

Ngaphambi kokuba kuvele ingxaki yezemali I-Euribor ifikelele kwi-5'393%, oku bekukho ngo-2008. Nje ukuba kufikelelwe kule ncopho iphezulu, ukuhla okukhawulezileyo kwamazinga enzala kwaqala. Kunyaka kamva, ngo-2009, sabona i-Euribor malunga ne-1%, yaphakama kamva, kodwa ngo-30 yawa okokuqala ngqa nge-2012%. Kwiminyaka emi-1 kamva, ngo-4, sabona i-Euribor ingenaxesha lokuqala. Abaninzi abasindisa baya kuyikhumbula loo minyaka. Abantu ababesetyenziselwa ukwenza inzuzo kwimali abayigcinileyo kwiidipozithi zebhanki, okwesihlandlo sokuqala babenikezela phantse ngokungabinangeniso (malunga ne-2016%).

Yonke ingxaki yezemali eyabethwa nzima emva kwengozi kaLehman Brothers kwafuneka ihlawulwe. Iibhanki eziphakathi ziqale ukukhupha imali kwaye zibolekise kwiibhanki kwiindawo zazo. Ikhredithi kuye kwafuneka ihambe, imali kufuneka ihambile, kwaye iinkampani kunye neentsapho kuye kwafuneka zenziwe ukuba zibuze imali kwakhona.

Ngubani ogqiba ekubeni i-Euribor engalunganga iyaqhubeka kwaye ngasiphi isizathu?

Imalunga nomdla wokuba iphawulwe yiBhanki eNkulu yaseYurophu ngokuboleka imali kwiibhanki. Enye yeenjongo, njengoko bekutshiwo ngaphambili, kukufumana ikhredithi kunye nemali yokuhamba, Oko kukuthi, ukukhuthaza ukusetyenziswa. Oku kufudumeza kulungiselelwe injongo yokunyuka kwamaxabiso ngokuthe ngcembe. Ngaphandle kwento yokuba imigaqo-nkqubo yemali yokunyusa ukunyuka kwamaxabiso sele ikhona iminyaka, ayikafezekiswa ngokupheleleyo. Ukuwa kwezinto ezingafunekiyo ezifana neoyile okanye ezinye iimveliso ezithunyelwa kumazwe angaphandle, kunye nokusetyenziswa okuncinci "okuwanyusa" amaxabiso ezantsi, kuthintela ukunyuka kwamaxabiso. Ngendlela ephakathi, kunokuthiwa kusempilweni, kuphezulu kakhulu kuyingozi kuqoqosho. Ngendlela efanayo ukuba ukunyuka kwamaxabiso okungalunganga, oko kukuthi, ukwehla kwemali, nako kubi kuqoqosho.

I-Euribor esezantsi ijonge ukukhuthaza ukusetyenziswa ukuze iphinde ivuselele uqoqosho

Ngenxa yokwehla kwamandla emali, iintsapho zaqala ukonga ngakumbi, njengoko uqoqosho lwaluthotha. Ukwanda kwentswela-ngqesho kunye nobunzima ekufikeleleni kumatyala kwandisa imeko. Nangona kunjalo, ukuba uphinde usebenze uqoqosho kufuneka ulutye kwaye into eyenziweyo ngabantu kukugcina ngakumbi kuba bekwimeko yokudodobala kwezoqoqosho, kudala isangqa esikhohlakeleyo. Le paradox ikhokelele ekungeneni kwemali encinci, kwaye ngenxa yesi sizathu yaqala ukukhuthaza ukuboleka ngokuhlisa inzala, okt ukwehlisa ixabiso lokuboleka imali. Ngesi sizathu, ukunyusa izinga lenzala yinto, nangona kulindelwe, ayinakwenziwa. Ingadimaza izicelo zamatyala, kwaye ke, ukusetyenziswa kunokuchaphazeleka.

Izibonelelo kunye nezinto ezingalunganga ze-Negative Euribor

Izibonelelo kunye nezinto ezingalunganga zokuba ne-Euribor ngamaxabiso amabi

Umbono wokukhuthaza ukusetyenziswa ngokusekwe kwimigaqo-nkqubo yemali unobuso obubini. Ukuqonda indlela i-Euribor engeyiyo echaphazela ngayo akuyi kukunceda kuphela ukuba uqonde ngakumbi ngemeko yezoqoqosho kwi-Eurozone, kodwa nakwimali yakho yobuqu.

Izibonelelo zayo zibandakanya, ngokomndilili, ukukwazi ukufikelela imali mboleko yendlu ngenzala ephantsi. Ukuba imali mboleko ikwinqanaba eliguqukayo, ihlala ibonakala ngakumbi xa i-Euribor isiwa, kuba kunokwenzeka ukuhlawula imali encinci, eguqula ukonga iipokotho. Kwimali-mboleko engapheliyo, engabalulekanga kwaye kuyinto eqhelekileyo ngenxa yokoyika ukuhlawula inzala ephezulu, ukuhla kwe-Euribor akuqhelekanga kubonwa. Ngokuba namandla amakhulu okonga, iintsapho zinokuba nezixhobo ezininzi zokuzisebenzisa, ezikhuthaza ukutyebiswa ziinkampani. Ngale ndlela, wonke lo mjikelo uvaliwe, kwaye uphela usizuzisa thina sonke.

Inqaku elidibeneyo:
Yintoni i-Euribor

Phakathi kokungalunganga kwayo ikakhulu kukuba ixabiso lemali liphantsi, Oko kukuthi, kunjalo uthanda ukusetyenziswa ngendlela eyingozi yokonga. Iindlela ezizezinye zokubeka kunye nokwandisa imali eyinkunzi nazo ziyancitshiswa. I-Euribor engalunganga sisisombululo sexesha elifutshane okanye eliphakathi, kodwa hayi ixesha elide.

Inqaku elinomdla kukuba uninzi lwabasindisi bagqiba ekubeni batyale imali kwaye babeke imali yabo emsebenzini, abanye bakwimakethi yesitokhwe, abanye benza amashishini amatsha ... , ayiqhelekanga iba neziphumo ezilungileyo. Nangona kunjalo, iyakhuthaza kwaye ifundise ngcono kunye neendlela ezintsha kubantu ababengazukuzifuna ngaphambili.

Amathemba exesha elizayo e-Euribor

I-Euribor engalunganga ifuna ukukhuthaza ukusetyenziswa kunye nokwenza uqoqosho lukhule

Phambi kokuba ubhubhane ubekhona, uqikelelo lwexa elizayo alunakusoloko luchanekile, kodwa ngokuqinisekileyo lwalomelele kunakwimeko-bume yangoku. Umbono wezoqoqosho okhoyo ngoku ufana noqoqosho, oko kukuthi, wajika wajika. Ngenxa yokuvalelwa ngokubanzi kulo nyaka ka-Matshi 2020, sabona i-Euribor ibetha kakhulu, ukuze kwisithuba esingaphantsi kwenyanga ibuye ibuye (isesentsimini esibi). Kwiinyanga ezilandelayo kwaye ukuza kuthi ga ngoku, iyaqhubeka ukwehla, kodwa ngokuthe chu.

Kulindeleke ukuba kulo nyaka kwaye ubuncinci olandelayo, i-Euribor iqhubeke kwindawo engathandekiyo. Malunga ne -0% ye-25 kunye -2020% ye-0. Nangona kunjalo, konke oku kungatshintshwa, kuxhomekeka kwiimpembelelo zoqoqosho lwendyikitya yokufa, iimpendulo ezinikezelwa kwezopolitiko, kwaye kunjalo, kwindlela i-European Central Bank ethatha ngayo isigqibo sokujongana neemeko ezahlukeneyo ezizayo. Ekugqibeleni, amandla okugqibela kunye negunya lokuthatha isigqibo malunga nokuba yonyusa okanye yehlisa i-Euribor ye-ECB.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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