Ngempelasonto edlule, amabhange ase-Europe, futhi ikakhulukazi amaqembu amakhulu aseSpain, abe yinto ye- test ukucindezeleka yi-European Banking Authority (i-EBA), futhi umphumela wayo omkhulu kube ukuvunywa kwayo jikelele. Futhi lapho kube nemiphumela emibi kakhulu kwi-Monte dei Paschi yase-Italy nase-Unicredit, okukhombise ukushiyeka okuthile emabhizinisini abo.
Kodwa-ke, ukuhlaziywa kwabaxhumanisi bezezimali akubanga isikhathi eside ukuza, futhi kube wukudumala kwabatshalizimali kulo mkhakha obalulekile ezilinganisweni zaseYurophu naseSpain. Ngokuqondile, i-ejensi yokulinganisa enethonya iStandard & Poor's (S&P) ikhiphe umbiko ezinsukwini ezimbalwa ngemuva kokukhishwa kwale miphumela, lapho kukhombisa khona ukuthi IBanco Popular, iCaixaBank neBanco Sabadell bakhombisa "ubuthakathaka obukhona" uma kuba nenkinga yezomnotho.
Ujeke wonke wamanzi abandayo emugqeni wamanzi osaver abaneminikelo yabo kwamanye ala maqembu asebhange. Futhi lokho kusho ukuthi izinjabulo zokuqala ngemuva kokushicilelwa zibekwe ngokoqobo njengomphumela we Ukufundwa okunemininingwane eminingi ngesimo sangempela sebhange laseSpain. Amanye ama-ejensi wokukala nawo aveze ukungabaza kwawo ngamabhange asemvelweni yethu
Ukuthengiswa kubekwa ezimakethe
Ukusabela ezimakethe zezezimali bekungakabi yisikhathi eside, futhi ukuthengisa zibeka ngokusobala ekuthengeni, futhi nangobukhali obukhethekile. Kulesi simo, Ukubhanga kuhudula izinkomba eziyinhloko zezwekazi elidala, ngokuwa okucijile okuholela abatshalizimali abaningi ukucabanga kabusha ngamasu abo okutshala imali emabhange aseSpain, nangokwandisa abaseYurophu.
Inkomba ekhethiwe kazwelonke, i-Ibex 35, enesisindo esithile sebhange sekusele kancane ngaphezulu kuka-3% ezinsukwini zokuqala zesonto. Ngokuyinhloko kusindwe yiwo wonke amabhange abhalwe kule nkomba. Ngenkathi eminye imikhakha igcina ukuvela okuhle kwamanani abo emasontweni edlule, amabhange awakwazanga ukuwalandela futhi kudale ukwehla okubalulekile emananini abo.
Imiphumela yokuqala esivivinyweni sokuxineka kade yafika, futhi ukuthengisa kuphinde kwavela ngamandla angajwayelekile, ngemuva kwezinyanga ezimbalwa zokuzola okulinganiselwe emakethe yamasheya. Abangasebenzi kakhulu kunawo wonke amabhange yiPhezulu, eshiywe kulezi zinsuku ngaphezu kwe-7% yenani layo. Futhi amanye amaqembu ezezimali awenzanga kangcono. IBBVA ilahlekelwe cishe ngamaphesenti amahlanu, iBanco Santander ilandele lo mkhuba, kanti iSabadell neCaixaBank balinganisele ukuwa kwabo, phakathi kuka-5% no-1,50%.
Okuthinteke kakhulu kulawa manothi axhumene nokuxazululwa kwamabhange aseYurophu kube yiBankia, okuyiyona kanye engiyiphawulile ukuthi iyitholile kulokhu kuhlolwa. Futhi lokho sekuholele ekwehleni kwayo ukuba semkhawulweni okucatshangwa ngabatshalizimali abancane nabaphakathi, okungekho ngaphezu kuka-1,50%.
Ukwenza buthakathaka i-Ibex 35
Umphumela wokuqala owenziwe yile miphumela emabhange aseYurophu jikelele kube ngukuthamba kwenkomba yaseSpain. Hhayi ngeze, ishiye amazinga wamaphoyinti angama-8.500 XNUMX ngamandla amakhulu. Futhi ngamathuba okuya ngokuya okwangempela okuhambela amaphuzu angama-8.000 kuzikhathi zokuhweba ezilandelayo. Ngalo mqondo, inyanga ka-Agasti ingaba yingozi impela kuzintshisekelo zabatshalizimali abathengisayo. Abaningi babo baseholidini kulezi zinsuku, futhi bangazithola benokumangala okungaphezulu kokubi lapho bebuya ohambweni lwabo. Futhi ngubani owaziyo uma unemali encane kakhulu kuphothifoliyo yakho yokutshala imali.
Ukuphepha okumele ibhange manje sekuhudula okunzima ukuxazulula inkomba kazwelonke enkulu. Akumangalisi ukuthi amasheya asele awenzi kabi ezimakethe zezezimali, ngisho nokunyuka okulingene kwamanani abo. Ngakho-ke, abahlaziyi abaningi bayavela abancoma amaklayenti abo yeka ukuvula izikhundla ezokuphepha emabhange. Okungenani inqobo nje uma lokhu kungaqinisekile kwamanani kuhlala.
Enye yezingcuphe ezinkulu ukuthi ukuvela komkhakha wamabhange kuzoba nomthelela ogcwele ku-Ibex 35, futhi kungaholela ekutheni ivakashele abaphansi eminyakeni yamuva. Noma nge ukulungiswa okujulile lokho kungangena ekujuleni komhlaba okujulile. Okungenani esikhathini esifushane. Ngakho-ke, qaphela kakhulu ngokuhweba emakethe yamasheya ngale nyanga yamaholide ebaluleke kakhulu, lapho inani lezentengiselwano ezitezi zokuhweba ngamanani lehla kakhulu.
Isikhundla sebhange emakethe yamasheya
Enye yezinkinga ezivela ekutshalweni wukuncika ngokweqile amabhange akwenza emakethe yamasheya aseSpain ngokujwayelekile. Hhayi ngeze, kunamaqembu ayisithupha asebhange afakwe ohlwini lwezinkomba zikazwelonke. I-BBVA, i-Santander, i-Caixabank, i-Popular, i-Bankinter ne-Bankia yibona abamele lo mkhakha obalulekile futhi onethonya emakethe yamasheya. Nokuthi kulo nyaka wenza kabi kunabanye.
Kulokhu kufanele kungezwe amanye amabhange amancane abhalwe emakethe eqhubekayo, futhi nawo athintekayo ngalokhu kuhlolwa koMphakathi. Ngokuguquguquka kwentengo ngokweqile, futhi lokho kusibuyisela emuva ezikhathini ezimbi kakhulu ezimakethe zezimali. Futhi kungenzeka ukuthi amanani entengo awele phambili ezimakethe. Ngalo mqondo, amasonto ambalwa alandelayo azonquma ekuqinisekiseni ukuvela kwamabhange aseSpain.
Ngakolunye uhlangothi, amabhange, abelokhu enza inkokhelo eyinzuzo kubaninimasheya abanomusa ngempela ngezintshisakalo zabo. Ngokukhiqizwa okuphakathi konyaka okucishe kube ngu-4,50%, ngamakhredithi enziwa ngokusemthethweni inyanga nenyanga ku-akhawunti yamanje yabatshalizimali. Futhi ukuthi kuzothatha ukukhululeka okuthile kubo ukuze bakwazi ukugcina ukwesekwa kwemali abayilondolozile.
Konke lokhu kungumongo ojwayelekile, lapho i-ejensi yokuhlaziya i-Standard & Poor's ingafaki noma yiliphi ibhange laseSpain phakathi kwalabo abakucabangayo lokho ingaletha izinkinga futhi lokho kudinga ukunakwa okukhethekile. Ngokuphindaphindiwe, uma amabhange avela kwamanye amazwe ekhona: Monte dei Paschi, Unicredit, Deutsche noma RBS, phakathi kokubaluleke kakhulu.
Yini engenziwa ngabatshalizimali?
Enye yezingqinamba yileso esethulwe kubatshalizimali abancane kusukela manje kuqhubeke, nalapho bengazi ukuthi benzeni ngokugcina imali etshalwe emabhange aseSpain: ukuthenga, ukubamba noma ukuthengisa. Konke kuzoya ngesikhundla sakho samanje, nokuthi kuzodinga isu elihlukile, futhi mhlawumbe okuphambene ngokuphelele. Impela enye yezinyanga eziyinkimbinkimbi kakhulu zonyaka, ukuba seholidini endaweni yezivakashi.
Uma bengenazo izikhundla ezivulekile emkhakheni wamabhange, kunconywa ukuthi baqhubeke kanjena baze babuye emaholidini abo. Ngale ndlela, bangahlaziya ngokubhekisisa okungaphezulu konke okwenzekayo kulo mkhakha obalulekile wezimali. Ukulinda okungenani amasonto ambalwa kuzoba yisinqumo esihle kunazo zonke ongazenza njengamanje.
Uma, ngokuphambene nalokho, sezivele zibekiwe ezimakethe zamasheya ngalezi zivikelo, ukuhlakanipha kuzoba yiyona ndlela ejwayelekile yokwenza kwabo. Kungase kube sekwephuze kancane ukuvala izikhundla emabhange aseSpain. Futhi njengecebo lokutshala imali, ungalindela ukuthi ama-spikes entengo athengise amasheya akho. Futhi ubadlulisele kwizibambiso eziphephe kakhudlwana, futhi nangamandla amakhulu okwazisa ezinyangeni eziyisithupha ezizayo.
Amathuba wokuthenga akhethiwe
Kunoma ikuphi, uma umkhakha wamabhange uqhubeka nokuwa phakathi nezikhathi zokuhweba ezilandelayo, ikakhulukazi ngamaphesenti angaphezu kuka-5%, kungaba ithuba langempela lebhizinisi. Ikakhulukazi uma ukutshalwa kwezimali kuhloswe esikhathini esimaphakathi nesikhathi eside. Futhi konke lokhu ngamanani aphansi kakhulu lapho amabhange amakhulu eSpain azocashunwa. Ukuthi esikhathini esingenakuqhathaniswa noma esincane sokubekezela bazokwethula imbuyiselo engaphezulu kwaleyo ethulwa ezinye izimpahla zezezimali.
Futhi lapho kungaba nengqondo khona ukuthi imali ingene ezimakethe. Ukubeka ukuthenga kokuthengisa futhi ngendlela ecacile. Akumangalisi ukuthi umkhakha wamabhange ungomunye wabathinteke kakhulu ezinyangeni ezedlule. Futhi lapho amasheya eBanco Santander noma i-BBVA, ngokwesibonelo, balahlekelwe cishe isigamu senani labo uma kuqhathaniswa nonyaka odlule. Kusuka kulo mbono ekuhlaziyweni, kungaba yisikhathi esihle sokwenza ukuthenga kokuqala, noma kukhethwe kakhulu kunoma yikuphi.
Ukugwema ukwenza amaphutha ngalesi sikhathi, kungasiza kakhulu uma ulandela uchungechunge lwamathiphu wokukhulisa ukusebenza kwezimali. Futhi lokho kuzohamba ngezinkinobho ezilandelayo okufanele uzicabangele.
- Lesi akusona isikhathi sokwenza izinqumo ezishisayo, futhi kungcono ukuthi uzindle ngecebo lakho ngalezi zinsuku oye wazikhipha.
- Amabhange amaningi bathengisa ngaphansi kwe-downtrend ecacile. Qaphela lapho ungama khona futhi ushintshe uphawu ekuguqukeni kwamanani akho.
- Akuwona wonke amabhange akhombisa imiphumela efanayo yebhizinisi, kepha kunalokho abanye ngaphezu kwabanye basesimweni esingcono sezezimali. Bazokwamukela kakhulu ukuthenga kwakho.
- Lo mkhakha yiwo inikeza izingozi ezinkulu okwamanje, kepha ngokubuyisela leyo enikeza amathuba amakhulu wokuyihlaziya kabusha. Kungahle kube yilowo ozobhekelwa ukuthi abe yingxenye yephothifoliyo yakho yokutshala imali.
- Yize amanani abo ephansi kakhulu, futhi kwezinye izimo engenangqondo, khumbula lokho zisengaya ezansi.