Kwakuyimfihlo evulelekile eminyakeni yamuva futhi ekugcineni yakwenza kwacaca ukusebenza kwezinga elikhulu lezezimali kanye ne-accounting. Ibhange eliphethwe ngu-Ana Patricia Botín selithathe nakanjani iBanco Popular. Ngokunyakaza lapho kuhileleke khona izibalo ezahlukahlukene, kusuka kumakhasimende akho kuya kubaninimasheya. Konke lokhu, ngemuva kokuthi isikhungo sezezimali siwile ezimakethe zezimali kuze kube yilapho amasheya aso efinyelela inani lama-euro angu-0,20, emazingeni ukwehla komlando.
Kulesi simo esivamile, ukusebenza kwezinkampani akuzange kumangaze ingxenye enhle yabahlaziyi bezezimali ababone lokhu kungenye yesixazululo ezinkingeni ezinkulu zika-Popular zemali. Ngokuwa okuhambisana kakhulu emasontweni adlule futhi lokho sekuholele ekutheni abaninimasheya bayo balahlekelwe yingxenye enhle yemali abayongekile. Yize kuzoba kubi kakhulu kulabo abasalokhu benenani. Ngoba impela, njengomphumela walesi silinganiso bazolahlekelwa yi-100% yemali elondoloziwe. Ngamanye amagama, uma okwamanje ungomunye walaba baninimasheya, inani lamasheya akho lizoba zero.
Akunakukhohlakala nganoma iyiphi indlela kuze kube manje kulo nyaka, ibhizinisi linqwabelene yehla ngaphezu kuka-70%. Ngokulahlekelwa okukhulu kubo bonke abatshalizimali bayo. Ngisho nalabo abathathe izikhundla kwezinye izindawo eziwela kakhulu ezimakethe. Ngamahemuhemu angapheli ezinsukwini zakamuva ngokuhoxa kweBankia yokuphatha ibhange nokuthi kuphele ngokuqinisekile ngokuthengwa yiSantander. Lesi yisimo esisha ebhange likazwelonke.
Ukuthengwa yiBanco Santander
Ukushoda kwemali kuye kwaba yimbangela esheshise ukunyakaza emkhakheni wamabhange. IBanco Santander ekugcineni ikhethe ukuthengwa kwePopular ngeSingle European Resolution Mechanism (SRM) ngeyuro eyodwa kunikezwe ukungasebenzi kwebhizinisi kanye nobungozi obucacile bokuthi namuhla ayikwazanga ukuhlangabezana nezinkokhelo ezitholwe kukheshi wakho. Akumangalisi ukuthi esinye sezizathu esinikeziwe ukuthi ngeke ibe nemali eyanele ukuvula amagatsha ayo.
Ngalo mqondo, kufanele kukhunjulwe ukuthi IBanco Santander neBBVA Yizona zodwa izinhlangano ezibambe iqhaza endalini ebibanjwe ngoLwesibili ebusuku ukuthenga iBanco Popular, ngokusho kwemithombo evela eMnyangweni Wezomnotho. Ngesikhathi iqembu lezezimali selivele lingenelelwe yiSingle Resolution Board (SRB) ye-European Union. Phambilini uBankia ubetshelwe nokuthi ubethanda lo msebenzi, kepha izinhloso zawo kufanele zifezeke.
Kuvunyelwe iziphathimandla zomphakathi
Kunoma ikuphi, kungukusebenza kwezimali okungakaze kubonwe endaweni ye-euro ngoba kungokokuqala ukuthi kwenzeke. Kuze kube seqophelweni lokuthi kungenelela ukungenelela kokuqala ohlelweni lokubhanga lweMonetary Union (EU). Kodwa-ke, inemvume ephelele yezikhungo zomphakathi. Hhayi ize, ngokushesha i-European Central Bank (ECB) ithathe isinqumo sokuxhasa lesi sinyathelo esibalulekile ukususa noma yiluphi uhlobo lokungabaza ngokusetshenziswa kwalesi sinqumo esiyimpikiswano.
Ngalo mqondo, iNational Securities Market Commission (CNMV) yanquma ukumisa ukumiswa kohlu lwamasheya eBanco Popular, yize imakethe yayisivele yehlise esinye sezimo ezimbi kakhulu ezazingalindeleka. Lapho okuwukuphela kwamathuba abatshalizimali abazoba nawo kusukela manje kuzoba ukumangalela lelo bhizinisi noma, uma kwehluleka lokho, nabaphathi bamabhange bangaphambilini. Ukuphela kwendlela yabo yokuphuma ukuzama ukulungisa le nkinga ebucayi evela kusukela manje.
Ngokwanda kwemali okuqhubekayo
Kunoma ikuphi, kuzodinga ukwanda kwemali eyizigidi ezingama-7.000 zama-euro okufanele kwenziwe ezinyangeni ezimbalwa ezizayo. Ngomthelela ongemuhle kumasheya eqembu lezimali laseCantabrian elizolahlekelwa kakhulu inani ezinhlelweni ezilandelayo zokuhweba. Ngalo mqondo, amasheya eSantander avale ukwehla ngo-0,88% ngokuhambisana namanye amanani emkhakheni, okubandakanya namabhange aseYurophu. Khona manje amasheya alo ahweba ngama-5,75 euros. Kuze kube manje kulo nyaka, wethula ukuvuselelwa kabusha okungu-16,96%. Ukuvumelanisa njengenye yamanani aphakeme kakhulu emali engenayo yenkomba ekhethiwe kazwelonke.
Ukusabela kwesiphathimandla sikazwelonke kube kuhle ngokushesha nje lapho isimo esisha sasebhange laseSpain saziwa. Ngendlela okukhombise ngayo ukuthi lo msebenzi wenziwe ngaphandle kokusebenzisa izimali zomphakathi futhi "ngaphandle kokutheleleka okungenzeka phakathi kobungozi obubusayo nobasebhange, njengoba kwenzeka ngaphambili." Kunoma ikuphi, kuyizindaba ezibaluleke kakhulu ukuthi kuthinta abantu abaningi, futhi lapho abathinteka kakhulu - kude - ngabaninimasheya bamanje weBanco Popular engasasebenzi manje
Abaninimasheya balahlekelwa imali abayongile
Omunye wemiphumela ecacile yalokhu kusebenza ukuthi abaninimasheya bakaPopular balahlekelwa yiyo yonke imali ababeyitshale enkampanini efakwe ohlwini. Hhayi ngalutho, amasheya ancishisiwe ekusebenzeni, lapho avele aba yize. Noma yini efanayo, ingu-zero. Lokhu kuthinta abatshalizimali ababalelwa ku-300.000 ukuthi namuhla zibekwe ngenani. Ngokuqondile, cishe ama-62% abo babephethe iziqu ezingaphansi kwezi-1.000 XNUMX. Kusuka kule mininingwane, kuphethwa ngokuthi ingxenye enkulu yabaninimasheya ngabatshalizimali abancane nabaphakathi futhi hhayi izimali ezinkulu zemali.
Kunoma ikuphi, amafemu ahlukahlukene omthetho asevele ekhangisa izinyathelo zomthetho yalaba bantu ukuzama ukubuyisa imali etshaliwe. Ngalo mqondo, isikhungo sezimali kanye nabaqondisi baso bangaphambili bangabhekana namacala avela kubaninimasheya. Yize okwamanje ukusebenza kwalesi siphakamiso kusamele kuqinisekiswe. Kunoma ikuphi, akumenyezelwa ukuthi kungokwesikhashana, kepha ukuthi kuzodinga ukudlula kwesikhathi esifanele ukuqala amacala. Okuwukuphela kwethemba labathengisi ukuthi kusukela manje kuqhubeke kuzobekwa uhlobo oluthile lwemishini elizonxephezela ukunwetshwa kwakamuva, njengoba kwenzeka eminyakeni embalwa edlule esimweni sokuthandwa
Ezinye izisulu ezinkulu zalo msebenzi wokubhanga yilawa abanikazi bezibopho. Okusho ukuthi, abatshalizimali ababethole izinkontileka kulesi sikhungo sezimali. Yebo, kuleli cala, bazolahlekelwa yikho konke ukonga okutshalwe kulo mkhiqizo wezezimali, futhi njengabatshalizimali emakethe yamasheya. Ama-bond ayisibonelo sokutshalwa kwemali kumali engenayo engaguquki, kepha ayinazo izingozi, njengoba kukhonjisiwe kulo mcimbi.
Abasindisi besisefo esidumile
Izilondolozi zebhizinisi, ngakolunye uhlangothi, ngeke ithinteke ngalesi simo esisha. Ngoba empeleni, labo bantu abathole ama-akhawunti okonga, izinhlelo zempesheni, izimali zokutshala izimali noma ngisho nezimali ezifakwa kuma-term term akufanele besabe iminikelo yabo yezezimali. Eqinisweni, i-duel entsha (iBanco Santander) izothatha yonke le misebenzi yezezimali. Njengomphumela wazo, amaklayenti ngeke alahlekelwe yi-euro eyodwa kule mikhiqizo yezezimali. Olunye uhlangothi lwemali olubandakanyekile kulokhu kungenelela.
Ngaphezu kwalokho, bazokwesekwa ngumkhiqizo weqembu lezezimali elixazululeka ngempela. Akumangalisi ukuthi sekwenziwe amanye amacala lapho kuvela khona imicimbi efanayo engakaze ithinte abasindisi. Ngalo mqondo, akunakulibaleka ukuthi abafaka imali embozwe yi-Deposit Guarantee Fund (FGD), futhi inhloso kabani ukuqinisekisa ukufakwa kwemali nasezibambisweni noma ezinye izinsimbi zezezimali ezenziwe ezikhungweni zezikweletu. Ngomkhawulo omkhulu wama-euro ayi-100.000 wokufakwa kwemali.
Futhi abatshalizimali beSantander?
Mayelana nenye ingxenye yohlamvu lwemali, okungukuthi, abaninimasheya beSantander, okwamanje lezinhlangano zebhizinisi akudingeki zibathinte. Ngoba nje izenzo zabo zingacwiliswa ku- isikhathi sokuguquguquka okukhulu. Ukufika ezingeni lokuthi umehluko omkhulu ungakhiwa phakathi kwezintengo zayo eziphakeme nezincane. Ngaphezu kwezinye izinkathi zalo nyaka. Kepha akumele kube nokunyakaza okungazelelwe ngentengo yayo, njengoba kuxwayiswe abanye babahlaziyi ababaluleke kakhulu ezimakethe zezezimali.
Enye into ehluke kakhulu yilokho okungenzeka lapho kufika izinsuku zokwenyuka kwemali enkulu. Yilapho kungokujwayelekile ngandlela thile ukuthi inani lesitoko lehle. Njengomphumela we umphumela wokuhlanjululwa kwalokhu kusebenza kwezezimali. Lapho kungenakukhishelwa ngaphandle nokuthi inani lalo liphinde libuyekeze izinga lama-euro amane ngamasheya. Ngeke ukhohlwe ukuthi izandiso azibonwa kahle ngabatshalizimali. Izikhathi lapho ukuthengiswa kufakwa ngokucacile ekuthengweni.
Konke lokhu kuhamba kuzokwenziwa ngesikhathi esifushane. Ngenkathi esikhathini esimaphakathi nesikhathi eside izindlela zokutshala imali zizohlala zifana nanamuhla. Kuqiniswe nokuba khona okukhulu kweBanco Santander kuyo yonke indawo enkulu yaseSpain.