I-Euribor sisichazi sohlobo lwaseYurophu lokunikezelwa kwebhanki, okanye ngegama layo ngesiNgesi Euro Interbank. Ngokunikwa le ngcaciso, sinokuthi ngumyinge wenzala ophakathi osetyenzisiweyo kwimali mboleko, kwaye ibalwa ukuba isetyenziswe luninzi lweebhanki zaseYurophu, ezidibeneyo zenza iphaneli yeebhanki.
Ngelixa nganye amaziko ebhanki I-Independent ekusebenzeni kwayo, kukho olu hlobo lwedatha ukuze ikwazi ukwenza ipharamitha kwaye ibeke emgangathweni indlela yokuziphatha kwabo kwezemali. Ke ukuze ube nakho ukwenza ukubala ngokuchanekileyo kwe-Euribor, eyona iphantsi ye-15% kunye neyona ephezulu ye-15% amaxabiso enzala Eziqokelelwe kwisampulu. Ngale ndlela, yonke imihla, icacisa ukuba isebenza kuphela kwiintsuku zeshishini, nge-11: 00 CET inzala ye-Euribor sele igqityiwe kwaye ipapashiwe.
Inkqubo yebhanki
Kodwa ngaphambi kokuba siqhubeke nokuthetha nge-Euribor, kufuneka siqonde inqaku elibalulekileyo.Loluphi uhlobo lwesithembiso se-interbank? Ewe impendulo ilula. I-Euribor Inokusebenza kokukwazi ukuhlawula irhafu kwimali mboleko eyenziwe ngamaziko ebhanki, icacisa ukuba yimali mboleko eyenziwe phakathi kwabo.
Isizathu sokuba kubalulekile ukuba iibhanki zibolekane ngemali ukuze zikwazi ukuqinisekisa ukuba ngawo onke amaxesha kukho Solvens yenkqubo ye-interbank. Ngale ndlela, kufuneka kubekho iindlela ezinokuthi zilawule kwaye zibale ukuba yeyiphi inzala ekufuneka ihlawulwe kwimali mboleko. Kufuneka iqatshelwe into yokuba ukongeza kwinto yokuba inzala kufuneka ihlawulwe, isixa ekuthiwa yiprimiyamu yomngcipheko kufuneka sikhuselwe.
Kwayekuba i-Euribor iyahluka? Esona sizathu siphambili kukuba phakathi kweebhanki kukho inqanaba lokuthembela abanalo phakathi kwabo; Yidatha efana nokusombulula ingxaki, iingxelo zengeniso, kunye neengxelo zokuhamba kwemali ezichaza ukuba ingakanani ibhanki enokuyithemba ukuba enye inakho ukuhlawula imali mboleko ngaphandle kwengxaki. Ngenxa yoku, ibhanki nganye ibeka iqondo lenzala yayo xa inikwe ingcaciso efumanekayo; kodwa ukunika umbono wendlela yokuziphatha kweebhanki ngokubanzi, intsingiselo yezibalo yenqanaba lenzala yeebhanki eziphambili ezingama-50 eYurophu ziyenziwa.
Ukuza kuthi ga ngoku yonke into ivakala inomdla kakhulu, kodwa mhlawumbi ayifanelekanga kubantu abaqhelekileyo, nangona kunjalo inyani kukuba ichaphazela abantu abaqhelekileyo kunye neebhanki ngokwazo, masibone isizathu soku.
Ukubaluleka kwe-Euribor
I-Euribor Sele siyiqonda njengenqanaba lenzala ekufuneka ihlangane nebhanki ngokubhekisele kwimali mboleko eyenziwe yenye ibhanki. Kodwa ibhanki ecela imali mboleko uyifumana phi imali yokuhlawula inzala? Impendulo ivela kubasebenzisi bokugqibela bemali esele ichaziwe, ukuba singabantu abacela imali-mboleko ebhankini, ngaphezulu kwako konke kubalulekile kwabo bacela imali mboleko yezindlu.
Ukuze ibhanki iqiniseke ukuba iyakuba nesisombululo ukuze ikwazi ukuhlawula iindleko ezibangelwe yimali mboleko eceliwe kwenye ibhanki, iyayenza ukubalwa kwenqanaba lenzala yemali-mboleko esekwe kwi-Euribor. Ngale ndlela, ibala ireyithi ngokusebenzisa i-Euribor kwiinyanga ezintandathu okanye ngamanye amaxesha kunyaka omnye.
Oku kuthetha ukuba Ibhanki iya kubonelela ngomsebenzisi wokugqibela, inzala yemali-mboleko esekwe kwi kwi Ixabiso le-Euribor oko kuyasebenza; ukuze, ukuba oku kuphezulu, kokulona izinga lenzala eliza kusetyenziswa. Le ngongoma ibaluleke kakhulu kwabo bacela imali mboleko engafaniyo, kuba kwezi meko inqanaba lenzala elivela kwimali-mboleko yakho liyakuchaphazeleka ngokukuko okanye ngokungalunganga, kukwenze ukuba uhlawule ngaphezulu okanye ngaphantsi kwenzala.
Kufuneka iqatshelwe into yokuba ukunikela umrhumo womsebenzisi wokugqibela, Ibhanki ihlala isebenzisa ukusasazeka okuhamba phakathi kwe-0 kunye ne-1,5; Yintoni eya kuchaza lo mahluko yimicimbi emibini ephambili; into yokuqala yiprofayili yezoqoqosho yomthengi. Isizathu sokuba oku kuchaphazele umahluko sisizathu esinye sokuba kutheni inqanaba le-interbank liyahluka, ukuthembela kwibhanki kumsebenzisi kuya kuchaza ubukhulu becala ukuba umahluko omkhulu okanye omncinci uyongezwa.
Inqaku lesibini elinempembelelo kwisigqibo sokusasazeka kokufaka isicelo ngumthamo wothethathethwano lomsebenzisi, kwaye nangona kubonakala ngathi ayinakwenzeka, enyanisweni kukho iimpikiswano ezithile esinokuzisebenzisa ukunciphisa ukusasazeka okuza kusetyenziswa. .
Ngamafutshane, kubalulekile ukuba ukuba sine mboleko mboleko okanye ukuba sicinga ngokucela into enye, kufuneka sihlale sikhumbula ukuba ukulinganisa okwenziwe ngetyala lethu akuthembekanga okanye akuchanekanga; okoko izibalo zenziwa yonke imihla, ukuze, ukuba i-Euribor inyuka, isabelo esimele ukusigcina sibambise siya kubiza kakhulu, kwelinye icala, ukuba i-Euribor iyancipha, isabelo sethu siya kuncipha.
Esinye isizathu sokuba kubonelelwe ngaso ingqalelo ekhethekileyo kwixabiso le-Euribor kukuba isetyenziswa njengesiseko sokubala ixabiso leemveliso ezithile zemali. Umzekelo, eli xabiso lisetyenziswa njengesalathiso kulo naluphi na uhlobo lweemveliso ezivela kumvuzo wexesha elizayo, okanye utshintsho, kunye nezivumelwano kuwo onke amaxabiso enzala.
Ngaphandle kwamathandabuzo i I-Euribor sisalathiso esibalulekileyo kuwo wonke umntu, zombini koorhulumente nakumaziko emali, nakubantu abaqhelekileyo. Kungoko kubalulekile ukuba njengabasebenzisi bokugqibela siyazi ukuba ivelaphi kwaye isichaphazela njani kubomi bemihla ngemihla. Kodwa ngaba inemiqathango?
Owona mda uphambili wesalathiso semali kukuba usebenza kuphela kwiibhanki zeManyano yaseYurophu, ukuze ukuba sifuna ukubala omnye ummandla kuya kufuneka sisebenzise ireferensi esetyenziswe nguloo mmandla. Ukwenza umzekelo, ukuze sikwazi ukubala e-United Kingdom, ireferensi ekuya kufuneka siyisebenzise ILIBRARI, enomsebenzi ofanayo ne-Euribor, kodwa kwindawo yaseLondon.
Kuyenzeka ukuba siqwalasele ukuba ukuze sikwazi ukuthelekisa impilo yezemali yommandla othile ngokunxulumene nomnye kunokwenzeka ukuba uthelekise ukunikezelwa kwe-interbank; Ngokwesiqhelo lolunye uthelekiso oluqhelekileyo okanye izingqinisiso ye-Euribor eneLIBOR.
Ukusetyenziswa kwe-Euribor
Ngaphandle kwento yokuba yonke le nkqubo yenzelwe ukusebenzela amaziko kunye nabasebenzisi bokugqibela, kuye kwakho amaxesha apho umdla wabantu abathile ungenelele ngendlela yokuba Ixabiso le-Euribor, Ukwazi kancinci malunga nale mbali kuya kusinceda ukuba sibuqonde ngcono ubuthathaka bale nkqubo. Kwaye kwenzeka njani into eyadlulayo.
Ukusukela ngonyaka we-1999 yokuba i-Euribor iqale ukusebenza, kude kube ngo-2012 yonke into ibonakalise ukuba i-Euribor ilungile, nangona kunjalo, kwakungo-22 kaFebruwari apho amagqwetha amabini awaziwayo agxeka ukuba kukho ukungahambi uhlobo lobambiso ukubeka ugxininiso olukhethekileyo kwi-Euribor; Esona sizathu siphambili sesikhalazo kukuba kwakungekho mntu uphicothayo ukwakheka kwayo, ke i-Euribor yahlala inovakalelo kwizenzo ezinokubakho.
Kwaye ngo-2011 uphando lwalusele luvuliwe malunga nokukhohlisa okunokwenzeka; Ityala le-Euribor alikho lodwa, kodwa amaziko asebhanki nawo ahlawuliswa kwezinye iindawo zehlabathi, ezinje ngeCanada, apho i-HSBC, JPMorgan, neRoyal Bank, phakathi kwabanye, bahlawuliswa.
Ukugqitywa kophando kufikelela esiphelweni ngokuhlawuliswa ngeebhanki ezahlukeneyo, izohlwayo ezifikelela kwi-1.710 yezigidi zeerandi. Iibhanki ezaye zagwetywa zi-6. Ngaphandle kwamathandabuzo, le meko ilusizi, kuba eyona nto ibaluleke kakhulu kukuba iimali zabasebenzisi zachaphazeleka ngokuthe ngqo yimidla yabo babandakanyekayo.
Intwana yembali yendlela i-Euribor eyenze ngayo isinika umqondiso wento efanelekileyo; Kwaye kukuba kwiminyaka yayo yokuqala oko kwaqwalaselwayo kukuba isimilo sayo siyehla, nangona kunjalo kwaba ngo-2008 apho ukunyuka okukhulu kwinqanaba lenzala kwaqwalaselwa; kude kufikelelwe kwixabiso le-4,42%, nto leyo ethe kakhulu xa siyithelekisa ne-low lows yayo, eyafezekiswa ngo-2015, apho ixabiso laliyi-0,165% ngenyanga kaMeyi waloo nyaka. Ngokuqinisekileyo