Yiya kwisahlulo, ewe okanye hayi?

izahlulo Izabelo zentengiso yemasheya ziyinxalenye yenzuzo yenkampani ethi igqibe kwelokuba isasaze kubo bonke abanini zabelo benkampani. Yi ingeniso esisigxina kunye eqinisekisiweyo Efunyanwa minyaka le ngabanini bezabelo ngento yokuba ungumnini wenkampani. Kuqhelekile ukuba iinkampani ezidweliswe kwiimarike zezabelo zenze rhoqo. Kwaye oko kungumthombo wengeniso kubatyali mali abaya kuba nengeniso engaguqukiyo ngaphakathi kokungafaniyo kwaye ngaphandle kokuvela kwamaxabiso abo kwiimarike zemali.

Ukusuka kule meko ngokubanzi iboniswe ngezahlulo, kufuneka kugxininiswe ukuba le ntlawulo kubanini zabelo ikwimeko entle kakhulu. Ngenxa yenyani yokuba, ngokwengxelo yomphathi wezobutyebi uJanus Hendersom, ikota yesithathu iphinde yaba lixesha elihle kakhulu lokuphuhlisa esi sicwangciso seshishini. Ukuya kuthi ga kwinqanaba lokuba iintlawulo zisebenzisa elijelo losasazo Ikhule kancinci ngaphezulu kwe-5% xa kuthelekiswa nonyaka ophelileyo, ufikelela kumanani asondele kakhulu kwizigidi ezingama-350.000 zeerandi.

Ngelixa ngaphakathi España Sisicwangciso esisetyenziswa kakhulu ziinkampani ezininzi ezidweliswe kwiimarike zamashishini ezingenanzala emisiweyo, kanye ziindawo zokurhweba e-US, Canada, Taiwan nase-India ezikhokelela ekuhanjisweni kwekota kwezahlulo. Ngokuvela, ngamandla amakhulu, kweenkampani zaseTshayina ezinokuba yenye yezona zimanga ziphambili kulwabiwo lwezahlulo ezivela kula maxesha achanekileyo. Kuyo nayiphi na imeko, imbuyekezo kulondolozo oscillates kwimida yorhwebo ukusuka kwi-2% ukuya kuthi ga kufutshane ne-10% kwezinye iimeko.

Isahlulelo: yintoni ekufuneka uyazi

EYurophu kuyinyani ukuba uninzi lweenkampani isasaze izabelo kwikota yesithathu yonyaka, kodwa nge-caveat ekufuneka uyithathele ingqalelo kuvavanyo lwayo. Ayikho enye ngaphandle kwale ntlawulo inyuswe ngeli xesha. Oku kusenziwa kuthetha ukuba abaninizabelo abancinci nabaphakathi baya kufumana imali ethe chatha ngokusisigxina kwiqumrhu. Kwisiqingatha sepesenti ubuncinci benqaku ngokubhekisele kwamanye amaxesha angaphambili. Apho iinkampani zaseSpain zidlala indima ebaluleke kakhulu ekufezekiseni iinjongo zenzuzo kwizabelo.

Ngale ndlela, elinye lawona matyala amelweyo ngumbane Endesa inoxanduva lokuhambisa i-100% yenzuzo yayo. Ngokwabiwa kwesahlulo esifikelela kwinqanaba lenzala yonyaka eqinisekisiweyo minyaka le phakathi kwe-7% kunye ne-8%. Enye yezona ziphezulu kwizalathiso ezikhethiweyo zokulingana kweSpain, i-Ibex 35. Ngomgaqo-nkqubo weshishini okhuthaza le ntlawulo kubanini zabelo ngaphezulu kwezinye izinto zobuchwephesha kwaye mhlawumbi nakwimbono esisiseko.

Ngaba kulula ukuya kule ntlawulo?

lo ndolozo Umbuzo omele uzibuze wona ngowokuba ingaba kufanelekile na ukuba ekugqibeleni uye kolu hlobo lwemivuzo kwizabelo. Njengamanqaku amahle uya kuba nefayile engu- intlawulo esisigxina Unyaka nonyaka, nantoni na eyenzekayo kwiimarike zezemali. Nokuba imeko yokungazinzi okukhulu kunye nokungazinzi kwiimarike zemali. Kwelinye icala, sisixhobo esisebenzayo ukwenza ingxowa yokonga ezinzileyo yexesha eliphakathi nelide. Ngembuyekezo engaphezu kwezo zinikezelwa ziimveliso zebhanki ezahlukeneyo (iidipozithi zekota, amanqaku ezithembiso zenkampani okanye iakhawunti yomvuzo omkhulu). Kwezona meko zintle, bakunika i-nominal kunye nenzala yonyaka kufutshane ne-2%.

Ukongeza, izabelo zingasetyenziselwa ukuhlawula ilahleko onokuthi uziphuhlise kwiimarike zezemali ukusuka kula maxesha kanye. Njengesixhobo sokunciphisa okanye ukubenza bangasebenzi. Hayi ngelize, ukuba uyabona ukuba izenzo zakho zikho ukuhla kweepesenti ezi-4 Ungayihlawula le ntsebenzo ngesahlulo esibika inzuzo yonyaka ngaphezulu kwe-5%. Umzekelo, le ibonelelwa ziinkampani zamandla nombane kwaye ezinye zikwicandelo leenkonzo.

Ezinye izibonelelo zesahlulo

izabelo Kwelinye icala, olu hambo lubalulekileyo phakathi kwabanini zabelo luzisa olunye uthotho lwezibonelelo ongekhe ukhethe ngaphandle kokwazi kuzo zonke iimbono. Ewe, enye yezona zinto zibaluleke kakhulu kukunikezela ngesibonelelo kwezinye iinkampani ukuze ukwazi ukukuqokelela. Ngokusebenzisa iinkqubo ezahlukeneyo ezinjeya ngqo kwi Ukubuyiselwa kwezabelo ezitsha okanye ngokulula ukuze ziye kwiakhawunti yakho yokutshekisha ngalo mzuzu kanye apho intlawulo zabo zenziwa zibe semthethweni. Unokukhetha ngokukhululekileyo imo modality ngokuxhomekeke kwisicwangciso oza kuphuhlisa kunye neprofayili oyibonisayo njengomtyali mali omncinci nophakathi.

Ngale ndlela, izabelo akufuneki zilungiswe, kodwa ngokuchaseneyo, zinokwahluka ngokuxhomekeke kwinzuzo efunyanwa ziinkampani kunyaka ngamnye. Kungenzeka nokuba kunjalo irhoxisiwe, ngokusisigxina okanye okwethutyana, kwimeko yemeko yakho yezoqoqosho, sukuvelisa oku kunokwenzeka. Kuzo naziphi na iimeko, kuya kufuneka ukhumbule ukuba azifani ngokufanayo kwaye kuqhelekile ukuba ziyahluka, nangona kungenjalo ngokuqina okugabadeleyo, njengoko ubona ngamaxabiso aphambili ezabelo zaseSpain.

Imigaqo emayilandelwe

Enye into ekufuneka uyithathele ingqalelo ukusukela ngoku ukuya phambili kukuba kukho uthotho lwemithetho ekufuneka ihlonitshwe xa kusasazwa izabelo. Kuzo zonke iimeko, kuya kufuneka ubazi ukuze ungafumani isimanga ngale nkqubo ikhethekileyo yokwabelana ngenzuzo. Ngaba uyafuna ukwazi ezinye zezona zinto zibalulekileyo malunga nokuhanjiswa kwemali? Ewe, omnye wabo uhlala kwinto yokuba ulwabiwo olukhankanywe apha ngasentla kufuneka kuvunyelwene ngalo Intlanganiso kaWonkewonke, bavumelana ngohlobo lwentlawulo kunye nexesha eya kwenziwa ngalo. Ukuba ungumnini zabelo wenkampani, kuya kufuneka bayinxibelelanise nawe njengomnini zabelo oyinene.

Kwelinye icala, isamente Kufuneka yenziwe ngokuhambelana nokuthatha inxaxheba kweqabane kwisitokhwe esikhulu. Kungenxa yokuba zininzi iindlela zokusebenzisa le ntlawulo kumnini zabelo kwaye zezo ziya kuthi zichonge inzuzo elandelayo. Ungalibali ukuba ayizukuhlala ifana kuwo onke amatyala kuba izabelo zilusasazo oluguquguqukayo kwaye luvumela igalelo elitsha kwinto eliyithethayo. Kwelinye icala, umhla ekufanele kuqokelelwe ngawo isahlulo nawo mawuthathwe, ngaphandle kwento yokuba esi sahlulo siqokelelwa kamva. Kuzo zonke iimeko, kuyakufuneka ubekwe kwixabiso lesithathu ngaphambi kokuba uhlawule.

Ezona ntlawulo zibalaseleyo ngo-2018

endesa Ngokwengxelo yekota yomphathi wamazwe aphesheya uJanus Henderson, kukho inani leenkampani ezixhamle kakhulu kolu lwabiwo kwinzuzo yeenkampani ngeli xesha lihlalutyiweyo. Inkampani yamandla i-Iberdrola yeyona iye yaphuma kolu hlalutyo, isasaza malunga ne-1.300 yezigidi zeedola phakathi kwabo bonke abaninizabelo. Ilandelwa kumgama othile zizenzo ze Banco Santander nge-1.200 yezigidi zeedola kwaye kwinqanaba elibonakalayo izabelo ze-NATURGY, iRapsol kunye ne-Endesa, ebiziphethe ngokuhambisa phakathi kwe-800 kunye ne-900 yezigidi zeedola inye.

Kule meko ngokubanzi, kufanele kuqatshelwe ukuba iSpain yayililizwe lesibini laseYurophu apho ulwabiwo lwezahlulo lubhalise ukwanda okukhulu konyaka-kwikota yesithathu, kuphela emva kwe-Itali, ukwanda phantse kwe-19%. Sesinye sezona zikhuthazo zibabalo zesizwe ngoku, nangona ukuncipha okukhulu kule ntlawulo kuye kwafunyanwa ziinkampani eziphakathi nezincinci ezaziphethe ukuhlawula abatyali mali ngezibonelelo abazifumene kunyaka-mali ngamnye.

Ngokuphathelene noku, kufanele kuqatshelwe ukuba ingxelo yomnye umhlalutyi weemarike zezemali, efana neLofthouse, ibonisa ukuba kulo nyaka sisandula ukushiya ibingazinzanga kwaye ngendlela enzima ngakumbi kwiimarike zamasheya. Nangona okwangoku ukuzithemba kuhlala ukuba Ukukhula kwengeniso yeshishini Qhubeka nokukhuthaza ukuhanjiswa kwale ntlawulo kubanini zabelo ngokuqhubekayo nangaphezulu kwayo yonke indlela ezinzileyo ukusukela ngoku. Ngaphezulu kokuthathelwa ingqalelo kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko.

Kulo nyaka, uqikelelo lubonisa ukuba ziya kuhambelana neekota zokugqibela zonyaka we-2018. Nangona kusekutsha kakhulu ukuba ungazivavanya kwaye ufumane uhlalutyo olunzulu ngalo. Akumangalisi ukuba kuqikelelwa ukuba inokunyuka kumyinge ophakathi kwe-1% kunye ne-2% n xa kuthelekiswa nonyaka ophelileyo, into eya kuthi izuze abona batyalo-mali bazikhuselayo.


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

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