Kubukeka sengathi izinga lamaphuzu angama-6.100 lingahle lisebenze njengenhlabathi enkombeni ekhethiwe yezimali ezweni lethu, i-Ibex 35. Ikakhulukazi, ngemuva kokujovwa kwempahla ngu I-European Central Bank (ECB). Lapho ngaphansi kwegama lePandemic Emergency Purchase Programme (uhlelo lokuthenga oluphuthumayo ngesifo esiwubhadane, ngesiNgisi) i-ECB ingeza iphakethe elinamandla kuma-euro ayizigidi ezingama-120.000 akhishwe ngoLwesine olwedlule. Okwamanje, kubonakala sengathi kuyakhokha ezikhathini zezezimali, ngokwazisa ezimakethe zamasheya emhlabeni wonke cishe ngo-2%.
Uhlelo lokuthengwa kwezimo eziphuthumayo lubhebhetheka, okwamanje, luthulise imimoya yabatshalizimali. Yize kuzofanele sikuthathe ngokuhlukaniswa kuze kudlule izikhathi ezimbalwa zokuhweba futhi sibone imiphumela yako yangempela. Kuphi kuze kube muva nje kubonakale ukuthi izimakethe zamasheya ziphuliwe kuyo yonke imibono. Akunamkhawulo kuma-descents nokuthi bonke abahlaziyi bezezimali baze babona i-Ibex 35 engaphansi kwezinga lamaphoyinti ayi-5.000 XNUMX.
Noma ngabe yisiphi isimo esisha, okusobala ukuthi amasu okutshala imali kuzofanele ahlukaniswe ngabatshalizimali abancane nabaphakathi. Lapho zonke lezi zinhlelo zizoya kufayela le- imigomo emide yokuhlala. Ngalo mqondo, abathinteka kakhulu kulesi simo esisha ngabasebenzisi besikhashana abazofanele baguqule izinhloso zabo ekutshalweni kwezimali emakethe yamasheya. Ngenkathi ngakolunye uhlangothi, okuwukuphela kwenduduzo abanayo laba baphathi bezezimali ukuthi izimakethe zezimali ekugcineni zifinyelele phansi ekuweni kwazo okunamandla.
Ngabe amaphuzu angama-6.100 azophikisana?
Ukhiye ekutshalweni kwemali ukuleli zinga lentengo kunkomba ekhethiwe yemali engenayo eguquguqukayo ezweni lethu. Uma leli zinga eliphawulekayo lingaphuliwe kungashiwo ukuthi lisebenza njengomhlabathi kule nkinga yezempilo nezomnotho iplanethi ehlupheka ngayo njengamanje. Ngakho-ke, kuzoba isikhathi sokwenza ukuthenga kokuqala ezimakethe zezimali. Ukusizakala ngentengo eyodwa ephansi ebesingakwazi ukuyicabanga emasontweni ambalwa edlule. Isibonelo, izenzo ze- I-Banco Santander ngaphansi kwama-euro amabili nangamandla wokubonga acishe abe yi-100%. Futhi ngezimo ezifanayo kakhulu kwezinye izibambiso ezakha i-Ibex 35.
Ngakolunye uhlangothi, uma ekugcineni amaphuzu angama-6.100 emelana, kuzobe sekuyisikhathi sokwakha iphothifoliyo enamandla yokutshala imali esikhathini esizayo. Ngamanani omlando ukuthi lesi simo esivela ekuphazanyisweni okwesabekayo kwe- i-coronavirus. Ngokusebenzisa ibhange lokonga elizinzile iminyaka eminingana ezayo. Ngoba empeleni, abacwaningi bezezimali abambalwa abacabanga ukuthi leli xabiso kumasheya ligcinwa eminyakeni edlule. Kungathatha isikhathi ukuthola kabusha, kepha okungangabazeki ukuthi amanani abo eminyakeni embalwa amanani ezokuphepha azoba sezingeni eliphakeme kuneleli lamanje.
Izingozi zokulahlekelwa ukwesekwa okulandelayo
Vele, into eyingozi kakhulu ezimakethe zezimali ukuthi inhlabathi eyakhiwe kakhulu cishe ngamaphuzu we-6.000 yephuliwe kusukela manje kuqhubeke. Ngoba kungahle kube ngumsuka wesibi esibi kakhulu Ukuqhuma kwe-bearish engathatha inkomba yokulingana ekhethiwe ngisho nangaphansi kwamaphoyinti ayi-5.000 Izinga elingakaze libonwe kusukela ngekhulu leminyaka elidlule, nokuthi yini okushiwo kakhulu emhlabeni wemali. Kuze kube seqophelweni lokuthi kuzoba nokopha kwangempela ekulinganisweni kwamaphothifoliyo abo okutshalwa kwezimali futhi lokho kungaholela ekutholakaliseni kwemali kubasebenzisi abazimele cishe kusukela ngalowo mzuzu kuqhubeke.
Ngenkathi ngakolunye uhlangothi, kukhona iqiniso lokuthi yilesi simo esidaliwe kusuka manje, singadala ukuhleleka okusha kwamazwe omhlaba okuthinta umkhakha wotshalo-mali futhi ikakhulukazi ukuthengwa nokuthengiswa kwamasheya esikhwameni. Ngokwalokhu kubuka, kufanele sisekele inhlabathi ebonakala ngathi yakhiwe kulezi zinsuku futhi isasebenza, kepha akwaziwa ngokuqinisekile ukuthi izokwazi yini ukumelana nayo ezimeni zamanje esiphila kuzo kwikota yokuqala yalo nyaka. Ukufika ezingeni lokuthi kuzoba elinye lamazinga okufanele sigxile kuwo kusukela kulo mzuzu onembile.
Izixazululo zempi
Ngokuphelele, i-ECB izoya ezimakethe kulo nyaka ukuthola ama-euro angaphezu kwama-1,1 trillion ahlukaniswe phakathi kwesikweletu esizimele nesikweletu senkampani. Ngaphezulu kwama-euro awu-1,3 trillion uma ungeza, ngokungeziwe, ukuvuselelwa kwamabhondi osuvele unawo kuphothifoliyo yakho, kepha lokho kufinyelela ekuvuthweni kwawo. Isinyathelo ebesingacabangeki ezinyangeni ezimbalwa ezedlule futhi esigunyazwe izitatimende zikamongameli waseJalimane, u-Angela Merkel. Kulapho athe izwe lakhe alibonanga simo esifanayo kusukela ngeMpi Yesibili Yomhlaba. Futhi ngenxa yalesi sizathu inhloko ye-European Central Bank imemezele ukuthi "uMkhandlu Olawulayo uzimisele ngokuphelele ukukhulisa usayizi wohlelo lwawo lokuthenga izikweletu nokwakheka kwalo, njengoba kunesidingo kuze kube yilapho kudingeka."
Akufanele kukhohlwe ukuthi ubudlelwano bamazwe omhlaba nabo bungashintsha esimweni esisha esivele kusukela ekungeneni kwaleli gciwane elithelelana kakhulu. Lapho kukhona umkhakha ongavela kabi kakhulu, njengezintambo zezindiza, ezinye zazo ezingasebenzi ngaphandle kokuthi zithola usizo lukahulumeni. Njengasendabeni ye- IAG okususwe ekuhwebeni eduze kakhulu nama-euro angama-8 ngesabelo ngasinye kuya ngaphansi kwama-euro amabili. Ngoshintsho oluphelele endleleni yokubona lawa magugu, noma ngesikhathi sokuvuselelwa komnotho. Vele, izikhundla akufanele zivulwe yize zibonakala ngathi zidayisa ngamanani entengo. Kepha akulona iqiniso ukuthi ama-akhawunti abo ebhizinisi akhombisa ngemuva kwalesi sehlakalo esingesihle esithinte thina basebenzisi ezimakethe zezimali.
Ukulahlekelwa okukhulu kubatshalizimali
Futhi asikwazi ukukhohlwa iqiniso lokuthi Federal ReserveYena, phakathi kwamanye amabhange amakhulu, usevele umemezele ukutholwa kwalolu hlobo lwempahla, emakethe yayo inkulu kakhulu e-United States. Ngoba imiphumela ngeke inqunyelwe kuphela kuma-ambiro ezwekazi elidala kepha kuzoba yinhlangano yomhlaba wonke ezothi ekugcineni kosuku izosithinta sonke, ngaphandle kokukhishwa kwanoma yiluphi uhlobo. Futhi-ke kuzothinta ubudlelwane bethu nezimakethe zezimali zezwe lethu. Ngakolunye uhlangothi, iqiniso elincane iqiniso labatshalizimali abancane nabaphakathi abalahle izikhundla zabo futhi balahlekelwe yingxenye ebaluleke kakhulu yenhlokodolobha yabo abayinqwabelile.
Ngoba ekugcineni kosuku kungukuphahlazeka okugcwele kwemakethe yamasheya. Le yindlela abahlaziyi bezezimali abachaza ngayo isimo samanje sezimakethe zokulingana. futhi ngenxa yalokho kufanele inikeze izimpendulo ezihlukile ezingavamisile ukwenzeka ezimeni ezijwayelekile. Ngoba akunakulibaleka ukuthi imali eningi isengcupheni futhi kulesi sici, zonke izinyathelo ezingenzeka kumele zibhekwe ukunciphisa umkhawulo wokulahlekelwa kwendawo yotshalo-mali ekhona njengamanje engokoqobo esibeka yona.
Kuyini ukutshalwa kwemali kwesikhathi eside?
Ukutshalwa kwemali kwesikhathi eside yikhona okunweba, okungenani, isikhathi esingaphezu kwezinyanga eziyi-12, yize ezimweni eziningi umkhathizwe uvame ukuba mude kakhulu. Cishe ubuncane beminyaka emibili noma emithathu futhi ezimweni zidlulwa kakhulu, njengoba kwenzeka kubatshalizimali abadala. Ngeke kube khona okunye ongakwenza ngaphandle kokucabanga ngalezi zikhathi zokugcina ukuze uthole inzuzo ephezulu ngephothifoliyo yakho. Inhloso ukuqala ukonga ngomkhathi obanzi ukulahla umholo eminyakeni elandelayo, ngokwesibonelo, ukuthatha umhlalaphansi, njengoba kwenza abanye abatshalizimali ababheka isengezo empeshenini yabo yomphakathi.
Kumele futhi uhlole ubungozi bokushiya kule migomo unomphela. Kunoma ikuphi, kuyadingeka ukuthi kubhekwe ekugcineni kwalokho okungaba yizici eziyinhloko zephothifoliyo yesikhathi eside. Yebo, ngalo mqondo, iphrofayli yabo yilabo bantu abakwazi ukumelana nokuntengantenga kwemakethe. Ngokwalokhu kubuka, lesi sigaba sabatshalizimali kumele sihlangabezane nezimfuneko ezisezingeni eliphansi futhi kunoma yikuphi ukubhekana namaqiniso futhi selulekwe ngaso sonke isikhathi ngungoti kulesigaba sezimpahla zezimali futhi ophendula izidingo zabo zempahla ethengiwe ngesikhathi esithile njengamanje.