Yintoni ukudlala imali

indawo yokudlala yezemali

Ngobukho bobukho be inkqubo yemali Namhlanje sidibene namaxesha angaqhelekanga kangako apho oorhulumente kuye kwafuneka bathathe amanye amanyathelo asemthethweni ukwazi ukulawula uqoqosho lwelizwe; kwaye, ukuba umthetho othile awumiswanga, uqoqosho luyakuchaphazeleka kakhulu. Enye yeendlela ezenziwe ngexesha elinye lala maxesha e Ingxaki yi-corralito, kodwa yintoni?

Indawo yokudlala Ngokubanzi, sisithintelo esimiselwe ngurhulumente, apho abantu babengenayo inkululeko yokulahla imali yabo kwiakhawunti yexesha elimiselweyo, ukujonga iiakhawunti kunye neebhanki zokonga. Kodwa kwenzeka nini? Yenzelwe ntoni? Emva koko, siza kuphendula eyona mibuzo ibalulekileyo ukuze siqonde corralito yezemali.

Imvelaphi yokudlalwa kwemali

Ngomhla wesithathu ka-Disemba 2001, urhulumente ogqibeleleyo wegosa elisemthethweni uFernando de la Rúa wenza i-corralito eyahlala phantse unyaka omnye. Oku kwenzeka kwilizwe laseLatin America eArgentina. Kwaye inyani kukuba eli nyathelo yinto eyayigqibeke ngokupheleleyo emehlweni abantu, kungenxa yoku ukuba umongameli wase-Rúa wanyanzelwa ukuba arhoxe kwisikhundla sakhe, nto leyo eyakhokelela ilizwe kwimeko Ukuchithwa kunye nokungazinzi zombini ezentlalo nezopolitiko; ingxaki eye yathatha iminyaka eliqela.

Iinjongo zeli nqanaba zachazwa njengokufuna thintela imali ukuphuma kwinkqubo yebhanki; Ngale ndlela iibhanki bezingazukufumana ukupheliswa kwemali, okungathandabuzekiyo okuya kukhokelela kwingxaki yokuphazamiseka ebhankini, yiyo loo nto kunokwenzeka ukuba inkqubo yebhanki iwele phantsi ngokupheleleyo.

Ngaphandle kwento yokuba eli nyathelo lelona lithathiweyo, ezinye iindlela ezinokuphunyezwa ukulungiselela kuthintele ukupheliswa kwemali kwiibhanki; omnye wabo wakhankanywa nguMphathiswa wezoQoqosho, uDomingo Cavallo; abo bacebisa ukuba ukukhuthaza uluntu ukuba lusebenzise ngakumbi iindlela zokuhlawula nge-elektroniki kungakhokelela kuqoqosho olusebenzayo apho abemi baya kuba nakho ukufikelela ekuhambeni kweemali zabo. Eli nyathelo belinokuthintela ukungaphumi kwirhafu kurhulumente, kwaye kwangaxeshanye ibiya kwenza ukuba abantu bathembele ngakumbi kwinkqubo yebhanki kwaye bafake imali eninzi.

Ngoku, Ixesha elithi corralito yenziwa ngo-2001, kwaye yenziwa yintatheli ngokukhethekileyo kwezoqoqosho u-Antonio Laje. Esi siganeko senzeka xa wayephethe ikholamu yezoqoqosho kwinkqubo kaDaniel Hadad ngelo xesha. Lo msitho ububaluleke kakhulu kuphuhliso lweziganeko zelo xesha, kwaye yile nto yokuba urhulumente ebeke umda kakhulu kwezona nkululeko zisisiseko kubasebenzisi benkqubo yeebhanki, phakathi kokubandakanya ukusebenzisa eyakho imali nangaliphi na ixesha, ebangele ukungoneliseki kubo bonke abasebenzisi.

Kwenzeke njani kwindawo yokudlala?

Le nyani iqala ukwenzeka xa i ukuhoxiswa kwemali, kuba kude kube yinyanga kaNovemba yonyaka ochaziweyo ukurhoxiswa kwabo kuhamba ngaphezu kwe-67 yezigidigidi; Yile datha ebonelela urhulumente ngesikhokelo sokwenza isigqibo sokwakha i-corralito. Kodwa yayiqulathe ntoni?

Ngokukodwa, lo msitho unoluhlu lwezithintelo, izithintelo ezijolise kwimisebenzi yamaqela amabini abantu, Kuqala, sifumana izithintelo kuluntu kwaye okwesibini sifumana izithintelo kwiibhanki, masibone ukuba nganye yazo ibandakanya ntoni.

indawo yokudlala yezemali

Ngokuphathelele izithintelo kuluntu Sifumanise ukuba abasebenzisi abanako ukwenza ukurhoxiswa okungaphezulu kwe-25 pesos okanye i-250 yeedola, isixa semali ngeveki. Kwaye oku kungavumelekanga kuzo zonke iiakhawunti ezazisegameni lomnini, ke ayinamsebenzi ukuba uneakhawunti kule okanye kuleya bhanki, kuba ngeveki wayenokufikelela kuphela kuma-250 eedola kwiakhawunti yakhe.

Isithintelo sesibini yile Yenza utshintsho kwilizwe langaphandleOku kusebenza kuphela kubasebenzisi abaqhelekileyo, kuba ezi ntengiselwano zazivunyelwa ezo zingqinelana norhwebo lwangaphandle, kunye nokuhlawulwa kweendleko okanye ukurhoxiswa okwenziwa kanye kwilizwe langaphandle. Ngale ndlela kuye kwazanywa ukuba ibhanki yesizwe ingaphelelwa yimali yokusebenza.

Ngoku ndiza kuthetha malunga izithintelo kumashishini, Okokuqala, masenze izingqinisiso kwinto yokuba babengavunyelwe ukwenza imisebenzi esebenzayo kwiiposos, ukongeza koku, ukhetho lokuqhuba iintshukumo zemali zangaphandle zazingavumelekanga. Ngapha koko, ithe amaziko ebengavumelekanga ukuba enze ulamlo ngokuthe ngqo okanye ngokungathanga ngqo; Ngaphandle kwemeko apho intengiselwano yaguqulwa yaya kwiidola, ngokuxhomekeke ekubeni umntu onetyala uyayivuma intshukumo.

Olunye uthintelo kukuba inzala ibiphezulu kunezo dipozithi zazilingana, nokuba ngeepesos okanye iidola, zazingafumaneki. Okwangoku kubalulekile ukukhankanya ukuba imisebenzi ebisebenza inokuguqulwa ibe yimali yelinye ilizwe, ukuba umthetho wokuguqula awuthathelwa ngqalelo. 23.928, ke oko kuthetha ukuba intengiselwano ibilawulwa ngendlela elula kakhulu.

Eyokugqibela yefayile ye- izithintelo ezichaphazela amaziko Yeyona engabavumeliyo ukuba babize nayiphi na ikhomishini ngalo naluphi na uguqulo lwemali. Ngaphandle kokuba imisebenzi yenziwa ngeakhawunti evulwe kumaziko emali. Oku kuthetha ilahleko ezininzi kumaziko emali, ebonisa ukuba kuphela abonelisekanga ziziphumo zesi sigqibo ayingabo abasebenzisi, kodwa namaziko emali achaphazeleke kakhulu ngenxa yesigqibo sokufaka i-corralito.

Iinjongo zecorralito yezemali

Ngelixa iinjongo eziphambili zeli nyathelo sele zichaziwe, masiqwalasele ngakumbi indlela imisitho eyayicwangciselwe ukwenzeka ngayo. Inqaku lokuqala lokuthathelwa ingqalelo kukuba bekunqwenelwa ukuthintela ukuvuza kweedipozithi kwinkqubo yebhanki, oku kuvuza kube sisiphumo somsitho apho abasebenzisi baphulukene nokuzithemba kwinkqubo yebhanki. Kwimeko yohambo lwenkunzi enkulu, ke intelekelelo iya kwenzeka ekuphumeni okunokubakho kuguquko, imeko engayi kulunga kwinkqubo yebhanki nakwinkqubo yezemali ngokubanzi.

indawo yokudlala yezemali

Kuthathelwa ingqalelo olu lwazi kunye nokuqagela, emva koko kwenziwa isigqibo sokwenza umdlalo onomdla kakhulu, i-corralito, ekucwangciswe ngayo ukuthintela ukurhoxa okukhulu kwemali.

Enye injongo ababenayo engqondweni yayikukugcina Ukuhamba kwemali ukuze uqoqosho lungayeki ngenxa yokuba abantu bengenako ukufikelela kwimali yabo, kodwa bekucingelwa ukuba ukuhamba kwemali kugcinwa ngaphakathi kwiinkqubo zebhanki kusetyenziswa amakhadi ebhanki. Ukunikwa zonke ezi njongo zikarhulumente, ayisiyiyo kuphela i ukufikelela simahla kwabasebenzisi kwiingxowa zabo, kodwa uninzi lwabasebenzisi kuye kwanyanzeleka ukuba bafumane amakhadi ukuze bakwazi ukufikelela kwiingxowa-mali ezichaziweyo, nangona bengenakho ukuba nemali ezinkozo ukuba banokufumana iimpahla ngentengiselwano yebhanki.

Ke injongo urhulumente awayeyenza yayikukuba gcina inkqubo yebhanki izinzile, kwaye njengoko kukhankanyiwe kwimihlathi engaphambili, le ibiyenye nje yeendlela ezinokuthi ziqwalaselwe ukugcina ukuhamba kwemali kusebenza kumaziko asebhankini.

Iziphumo zokudlala

Ikhontrakthi yemali

Enye yezona ziphambili iziphumo zokudlalaKungenxa yokuba sisigqibo esathathwa ngequbuliso, ke ngoko kwakungekho xesha lokuphendula kwabo babandakanyekayo ukuze baziqhelanise nemeko leyo. Ngenxa yolu tshintsho ngesiquphe, imeko yemali yelizwe yonakala kakhulu, njengoko uninzi lwezoqoqosho lwaphazanyiswa ukunqongophala kwemali.

Ngenxa yoku kungasentla, zombini urhwebo kunye nekhredithi zikhubazekile, zabangela ukuba uqoqosho luzinze ngendlela ebalulekileyo. Inxalenye yoku kungenxa yokuba ipesenti yabantu inetyala ukugcina uqoqosho olungekho sikweni, kuba bambalwa kakhulu abantu abanemali eyaneleyo yokuba bakwazi ukuthenga izinto zemihla ngemihla, ezichaphazele kakubi indlela yokuphila yabantu, abathengi kunye nabathengisi bale nkqubo.

Isiphumo esibi kakhulu senziwa kwilizwe elingumakhelwane laseUruguay, kwaye kukuba abantu baseArgentina babenombono wokuba bakwazi ukukhupha imali yabo kwiibhanki zelizwe elingummelwane, nangona kunjalo, esi siganeko sabangela ingxaki ngo-2002. Ibhanki yaseUruguay, enye yezona zidume kakhulu kwimbali yayo, kwaye yabangelwa ngurhulumente waseArgentina.


Yiba ngowokuqala ukuphawula

Shiya uluvo lwakho

Idilesi yakho ye email aziyi kupapashwa. ezidingekayo ziphawulwe *

*

*

  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.