Uma kukhona i-protagonist yokubaluleka okukhethekile emkhakheni wokutshala imali phakathi nalokhu kuqala konyaka, akungabazeki ukuthi yi-cryptocurrensets. Hhayi kuphela okwaziwa kakhulu kubo bonke njengoba kunjalo bitcoin, kodwa ezinye ezivele ngamandla athile ezinyangeni ezedlule. Lapho kunabatshalizimali abaningi abancane nabaphakathi asebephendulele ukunaka kwabo kulezi zimpahla zezimali zoqobo. Kepha-ke bakha ubungozi obukhulu, njengoba iziphathimandla ezibalulekile emkhakheni wokutshala imali zixwayisa.
Kulesi simo jikelele, ilungu loMkhandlu Olawulayo we-European Central Bank (ECB), u-Ewald Nowotny, umemezele ezinsukwini ezimbalwa ezedlule ukuthi isikhungo semali siphakathi kwezingxoxo nezishayamthetho namabhange amakhulu ukuze kutholakale ukuthi kufanele yini kulawulwa noma sebenzisa imikhawulo yezomthetho kuma-cryptocurrensets. Le mpikiswano entsha ekhiqizwa ngenxa yomkhuhlane wokuthenga ohlangothini lwabasebenzisi abaningi. Ikakhulukazi enye enolaka kakhulu ezimakethe zezezimali.
Ngokubuyekeza okungaphezulu kwe- 1.400%, i-bitcoin nakanjani ayinakususwa ekuqhathanisweni namanye amagwebu okuqagela emlandweni. Ngalo mqondo, enye yezinto zokuqala kakhulu futhi ngasikhathi sinye okuyindida kwakuyilezo ezazinama-tulips njengendawo okuyiwa kuyo ngokuyinhloko. Bafika ekulinganisweni ngendlela engaqondakali kumazinga okwakunzima kakhulu ukuwaqonda. Ekugcineni iwa kakhulu ize ilahlekelwe cishe lonke inani layo uma ngabe ibinayo ngempela. Yebo, manje lesi simo sesifinyelele ngokuphelele emkhakheni we-cryptocurrency. Kepha ngamandla amakhulu uma kungenzeka kunangezikhathi ezedlule.
Lawula ama-cryptocurrensets
Enye yezimpikiswano eyenzeka ngaphakathi kwe-European Union ukuthi ngabe umthethonqubo uyadingeka yini ekusebenzeni kwayo. Ngenhloso yokumisa konke izinyathelo zokucabangela ezikhulayo kulezi zimakethe ezikhetheke kakhulu zezimali. Futhi okungaqondakali ngokuphelele kubahlaziyi abaningi ababona ubungozi obukhulu kulolu hlobo lomsebenzi bekungajwayelekile kuze kube yiminyaka embalwa edlule. Kepha lokho ezinyangeni ezedlule kukhishwe umkhuhlane wokuthenga yingxenye enhle yabatshalizimali abancane nabaphakathi cishe emhlabeni wonke.
Ngalesi sikhathi, awukho umthethonqubo ochaziwe walesi sigaba sezimali ezibonakalayo. Kuphela kufayela le- Imakethe yezimali yaseChicagoE-United States, kunomthethonqubo wokusebenza kwayo. Njengokuthengwa nokuthengiswa kwamasheya emakethe yamasheya noma eminye imikhiqizo yezezimali ngokususelwa kuzinsimbi eziyigugu, izinto zokusetshenziswa noma izimali eziyinkimbinkimbi kakhulu emakethe. Kepha ngale kwemakethe yaseChicago alukho uhlobo lomthethonqubo. Futhi yilokhu ezinye iziphathimandla zezomnotho ezizama ukulungisa lokhu, ikakhulukazi ezivela ezwenikazi elidala. Ukugwema isimo esibi kakhulu, okusho ukuthi, kwenziwa ibhamuza elinamandla lezezimali.
Ingozi ye-bubble yezezimali?
Lokhu kungukhiye wokulawula ukusebenza kuma-cryptocurrensets amakhulu. Okunye ukwesaba okusatshwayo ezimakethe zezezimali ukuthi lezi zimpahla zezimali zingakwazi ukuwa nge-virulence ekhethekile. Ukufika ezingeni lokuthi kungonakalisa abasebenzisi abathathe izikhundla kulokhu okunye ekutshalweni kwezimali. Ngalo mqondo, akukwazi ukukhohlwa ukuthi inani labasebenzisi likhula ngokuqhubekayo njengoba izinsuku zihamba. kungukwesaba okufihlekile phakathi kwengxenye enhle yabatshalizimali.
Okunye ukwesaba okukhulu ukuthi njengoba i-bitcpoin yazise nge-1.400%, kungathatha ukuthambekela okuphambene kulezi zinyanga ezizayo. Lesi sici sizosho ukunyamalala kwemali nokufika kwebhola elinamandla lezezimali. Njengoba kwenzeka emashumini eminyaka adlule ngobuchwepheshe obusha. Ngamanani afana neTerra Lokho kusuke ekuhwebeni ama-5 kuya kuma-euro angama-150 ngezikhathi ezimbalwa zokuhweba. Ukuthi iphuzu lokuziphendukela kwemvelo lenze abanye babatshalizimali abenza imisebenzi emikhulu abayizigidi. Ukuwa kamuva kwamasheya ayo kolunye uhlangothi kuze kufike ezingeni lama-euro amahlanu.
Ingabe sisekuqaleni kokuphela?
Kunoma ikuphi, kulula ukukhumbula ukuthi isici esiyinhloko sokuhle ngebhamu ukuthi isisekelo asinalutho noma silinganiswe ngokweqile futhi injini iyinkolelo engenangqondo yokuthi intengo yayo izoqhubeka nokukhuphuka. Inesigaba sokuqala lapho amanani aso ngokungenangqondo khuphuka kuze kufike ezingeni lokuheha abatshalizimali abancane nabaphakathi. Ukuthi bagxumela ebhandeni ngezikhathi ezinzima kakhulu, lapho besezingeni eliphakeme kakhulu. Futhi kulapho kuvela isigaba esilandelayo, okuphikisana naso. Amanani abo ukwehla ngomthamo awulona uhlobo lwemikhawulo. Wonke umuntu ufuna ukuthengisa futhi akukho lutho olungasenziwa. Vele uthathe ukulahleka okukhiqizwe ekusebenzeni okwenziwe.
Lesi ngesinye sezingozi ezifanele kakhulu okumele bonke abatshali bezimali bazigweme, njengesibonelo kuwe. Ngoba futhi ayikho ukuhlaziywa kwezobuchwepheshe okusebenzayo lokho kungavimba lezi zimo ezingafuneki kangako kubo bonke abasebenzeli bezezimali. Ngalo mqondo, sekunabahlaziyi abaningana bezezimali abakhomba ukuthi lo mzuzu ufikile. Noma okungenani kusondele kakhulu ekugcineni ukukhula. Lapho uma uvule izikhundla uzolahlekelwa cishe yonke imali etshaliwe. Kuyisimo okufanele usigweme ngaphezu kwezinye izinhlobo zokucatshangelwa.
Izendlalelo zomlando
Kuyadingeka ukubhekisa kulokho okwenzeka eminyakeni eyishumi yama-20s yekhulu elidlule. Kukuyiphi ibhamuza elikhulu emlandweni wokutshalwa kwezimali. Akuyona enye ngaphandle kwe- Ukuphahlazeka kweWall Street ngo-1929. Yebo, kubalulekile ukukhumbula ukuthi eminyakeni emihlanu ngaphambi kokuphahlazeka okukhulu kowe-1929, amasheya ahlanganiswa enkombeni yamasheya eDow Jones akhula ngaphezu kuka-400%. Okwenzeka ngokulandelayo kuhlale ku-retina yabo bonke abatshalizimali emhlabeni. Ngokuphahlazeka ngesihluku ezimakethe zezimali futhi lokho kwaveza lokho okwabizwa ngokuthi yi-Great Depression. Ngemiphumela emibi ngokuhleleka komhlaba wonke kwalezo zikhathi.
Kuwo wonke umlando kube nezinye izinqubo ezeqile zobukhulu obukhethekile. Kepha ngaphandle kokufinyelela emiphumeleni Yokudangala Okukhulu. Enye yezinto ezibaluleke kakhulu yenzeke eminyakeni yoma-XNUMX futhi inhlamvu yayo kwaba yi- Inkinga kawoyela. Ngokungena enkathini eyeqile eyathatha iminyaka eminingi, ethinta izinkulungwane nezinkulungwane zezakhamizi. Ngethonsi, futhi, ezimakethe zamasheya zamandla amakhulu futhi lokho kwenza abatshalizimali abaningi balahlekelwa yimali eningi ngaleso sikhathi esiqondile.
Izingozi zamanje ze-cryptocurrensets
Kunoma ikuphi, le ndlela yokutshala imali idala uchungechunge lobungozi obukhona, obufihlekile ngaso sonke isikhathi. Ngalesi sizathu kulula kakhulu ukuthi ubabheke kusukela manje. Zingaba wusizo kakhulu kwezinye izimo noma kwezinye. Ngabe ufuna ukwazi ezinye zalezi zimo? Yebo, naka kancane ukuhlola lolu hlobo lwezimali eziyingozi ongabhekana nazo.
- La ukuguquguquka Akukhona ukuthi kuphakeme kakhulu, kodwa ukuthi kweqise. Ngokuhluka osukwini olufanayo kuze kufike ku-30% wenani lalezi zimali ezibonakalayo. Ngakho-ke, kuzokubiza ukuthi ulungise amanani wokungena nokuphuma kunoma iyiphi yalezi zimpahla zezimali.
- Awunazo izinkomba ze- qaphela ubungozi wokusebenza. Kuvame kakhulu ukuthi izisekelo zokumelana nokuphikiswa kudilizwe kalula okukhulu. Kuze kube seqophelweni lokufinyelela phezulu nangaphezulu ngokukhululeka njalo.
- Kunzima kakhulu ukulawula ukunyakaza kusukela lapho isimilo sayo sihlukile kuleso semakethe yamasheya ojwayele ukusebenza ngayo nsuku zonke. Imishini ayihlangene nakancane nezilinganiso zazo, yize zombili zingukutshalwa kwemali kuzo zonke izindlela zokubuka.
- Ngeke ukwazi ukufaka noma yiluphi uhlobo lwama-oda ukunciphisa umkhawulo wokulahleka, njengoba wenza ngamanani. Ukusuka kulesi simo, uzoba nezinkinga eziningi eziphuthumisa ukusebenza kusuka kumzuzu wokuqala.
- Amathuba wokuthi ungakwazi ukulahlekelwa yimali izokwandiswa ngokuphawulekayo. Kepha okubi kakhulu, ukuthi ushiya cishe yonke imali etshalwe ngasikhathi sinye futhi ngaphandle kwezinketho zokulungisa amaphutha enziwe kuze kube yileso sikhathi.
- Kuwukutshalwa kwemali okutholakalayo ngakho-ke kungakwazi ubambe ukumangala okungaphezu kokukodwa okungekuhle. Phakathi kwezinye izizathu, ngoba uzoba nezinkinga eziningi ukusebenza nalolu hlobo lokutshala imali olusha kanjalo ngasikhathi sinye olukhethekile.
- Ambalwa kakhulu amasu asebenzayo futhi elilodwa kuphela isimo esihle semakethe kuzokusiza ukufeza izinhloso. Hhayi ngaphandle komzamo futhi inqobo nje uma unegazi elincane elibandayo ezinqumweni ozozenza kusukela manje kuqhubeke.
Kule ndlela yokwenza ukonga kube nenzuzo, noma iliphi iphutha lingakubiza kakhulu. Kungakho kufanele uzindle ukuthi kulula yini kuwe ukukhetha ama-cryptocurrensets ngalesi sikhathi. Kungase kungabi isinqumo esihle kunazo zonke kuya ngephrofayili oyivezayo njengomtshalizimali okudayisa.