Kwenzekani uma ibhange lami lihluleka?

ibhange lami liqothuka

Izindaba mayelana ukuboshwa kwezimali u-Mario Conde, osolwa ngokubuyisa imali ayithatha kuBanesto esuka eSwitzerland, uthuse ingxenye enhle yombono womphakathi waseSpain. Futhi bekungenzeka kanjani ukuthi kube ngenye indlela, kubenze babuyela emikhubeni emibi yohlelo lwebhange lukazwelonke, noma ikakhulukazi kubaphathi balo, okungaholela ekuqothukeni kwebhange. Khumbula nje ukuthi kwenzekeni Ibhange LaseMadrid, okuyinkampani ephethwe yi-Private Bank yase-Andorra, engenelela ngonyaka owedlule ngabaphathi bebhange, ngemuva kwesikhalazo soMnyango Wezezimali wase-United States esolwa ngaleli bhizinisi ngezinsolo zokuthi linemali eyimali ehlanzekile ebulelesi obuhleliwe.

Futhi ngokubuka okukhulu ngesikhathi, icala laseBankia, ngokungapheli kwezinkinga abasindisi nabaninimasheya ababenazo, ngaphambi kokuba kwenziwe izwe labo ngemuva kwezinhlekelele zemali kanye nezezimali zeqembu ezaziphethwe nguRodrigo Rato ngaleso sikhathi. Ebhekene nalezi zimo ezishaqisa kakhulu kwabanye abasebenzisi, nangemuva kokuboshwa kukaMario Conde, kuyinto ejwayelekile impela ukuthi abaningi babo bazibuze ngalesi sikhathi uma imali oyongile iphephile ebhange. Noma okubi kakhulu, bekuzokwenzekani kubo uma isikhungo sabo sezezimali impilo yonke singonakala.

Akuyona i-alamu ejwayelekile, ukude nayo, kepha uma isifiso sabasindisi baseSpain sikwenza gcina ifa lakho, njengoba yayincane, uma ibhange lami lehluleka. Futhi lokho kungabuthinta bobabili ubudlelwano bakho nemikhiqizo yasebhange ebhalisiwe (imali yesikhathi, amanothi ezethembiso, izikweletu zomphakathi, njll.), Kanye nokutshalwa kwemali okwenziwe yibhizinisi. Futhi bahamba baze babandakanya abaninimasheya bamaqembu ezezimali abangahle badlule kulesi simo esingemnandi: ukuqothuka kwenkampani. Kunoma ikuphi, kuzodingeka ukuthi uhambe ngephuzu ngephuzu uchaze zonke izimo ezingenzeka kulokhu okungenzeka kube ngukucabanga.

Isimo sokuqala: ukuqothuka

Noma nini lapho sikhuluma ngokuqothuka kwebhange, sicabanga ngezinkulungwane nezinkulungwane zabasindisi abancane abagcine iminikelo yabo yemali kumkhiqizo odume kabanzi, njengoba kulokhu kungama-term deposit. Yebo, esimweni sokuqothuka, amakhasimende abhalisele lezi zinhlobo zokonga sizoba kuqinisekiswe yi-Deposit Guarantee Fund of Credit Institutions kuze kufike kuma-euro ayi-100.000 ngumnikazi ne-akhawunti.

Kodwa-ke, ngeke bazithole ngokushesha, kepha kuzokwenza izindleko zomthetho, kepha kuzo zonke izimo bazoya ku-akhawunti yakho yokuhlola. Labo abathole izivumelwano ngaphansi kwamanani aphakeme kunale mali bayoba nzima kakhulu, ngoba abakwazanga ukuyikhokhisa ngaphansi kwanoma yiziphi izimo. Ngaphandle kokuthi ibhange elibhidlikile lidlulele kunhlangano entsha, futhi leli lithathe amalungelo amaklayenti. Futhi kunendlela yesithathu, ukuthi ibhizinisi elithintekile liyaqedwa, bese kuthi uma kunjalo babe sezimweni ezimbi kakhulu, ngoba bazoba sohlwini lokulinda ngemuva kwabaphakeli, abaninimasheya nabatshalizimali bebonke.

Kunoma ikuphi, kunesu eliphelele elisemthethweni nelilula ngokuphelele lokufaka isicelo elizokuvumela ukuthi uvikele lezi zimo ukuthi zenzeke kuwe uma unama-euro angaphezu kwe-100.000 okufanele uwagcine kumabhange. Futhi kungaba yindaba yokubhalisa imikhiqizo ehlukile yalezi zici, kuze kufike enanini eliqinisekiswe yisikhwama sediphozi. Uma kungenzeka emabhange ahlukene, nangama-akhawunti angafani. Njengomphumela walesi senzo esisebenzayo, uzokwazi ukuvikela yonke imali eyongiwe ekuqothulweni okungenzeka kwesikhungo sezezimali.

Elinye icala elihluke kakhulu elamakhasimende, esikhundleni samadiphozithi, asayine amanothi ezethembiso zebhange. Yize kuyimikhiqizo enezici ezifanayo, kokugcina ahlanganiswa yiSikhwama Sesiqinisekiso Sediphozithi, akunjalo. Ngakho-ke uma kwenzeka lesi simo esingafuneki, ungalahlekelwa yiyo yonke imali oyongele, ngaphandle kokuyithola kabusha. Akumangalisi ukuthi, futhi kusukela kulo mbono, amanothi ezethembiso amamodeli okonga anobungozi obukhulu, futhi kulula ukuthi ubazi ngaphambi kokusayina inkontileka.

Futhi, umehluko wenzuzo phakathi kwalezi zinhlobo ezimbili zokonga cishe awukho nhlobo, ngoba bahamba ngaphansi kwemikhawulo efanayo yezentengiselwano ebekwe ngamabhange. Futhi njengomphumela wentengo eshibhile yemali yibhange elikhipha iYurophu, zisungulwa ebangeni elincane elisuka ku-0,15% laya ku-0,50% cishe.

Isimo sesibili: kuthiwani ngabatshalizimali?

Esinye isimo esihluke kakhulu yileso esithinta abatshalizimali abancane nabaphakathi, abathathe izikhundla kumasheya ebhange, okugcine sekuvalile umugqa webhizinisi lawo. Kokubili ezimpahleni zezimali ezimakethe zamasheya ngokwazo, nangezimali zokutshala imali. Yebo, kufanele bahlale bezolile ngalezo zikhathi ezibucayi, ngoba ngeke ulahlekelwe yimali oyitshalile. Hhayi ngeze, ibhizinisi liyimenenja yengcebo yakho, ungakhohlwa. Okubi kakhulu okungenzeka kuwe ukuthi i-akhawunti yakho yezokuphepha ayisebenzi isikhathi esithile, phakathi kwenyanga eyi-1 nengu-6. Ngale ndlela, ngeke ukwazi ukwenza noma yiluphi uhlobo lokusebenza.

Lapho ukumiswa sekususiwe, uzokwazi ukuthengisa amasheya akho ezimakethe zezimali, noma umane uhlehlise izikhundla zakho kuzikhwama zokubambisana. Inkinga enkulu ongase uhlangane nayo ukuthi izimpahla zezezimali onazo kuphothifoliyo yakho yokutshala imali azikhokhiswa intengo yazo maqondana nemisebenzi yakho yokuthenga. Futhi ngenxa yalokhu kusebenza, ungashiya ama-euro amaningi endleleni. Ungalinda futhi ezinyangeni ezizayo, noma ngisho neminyaka, lapho bengathola khona izinga labo lekhoteshini ezimakethe zezimali.

Isimo sesithathu: anjani amakhasimende?

ukwehluleka kwebhange: kuthinta kanjani ukusebenza

Kukhona enye inkinga, engabathinti kakhulu abatshalizimali noma abafaka imali, kepha kunalokho abasebenzisi bamabhange abanemikhiqizo eyisisekelo ebhaliswe yibhizinisi kuphela (ama-akhawunti, izincwadi zokupasa, izinhlelo zokonga, njll.). Isimo sakho, ngaphandle kokungajwayelekile, sizofana ngokuphelele nasendabeni yamakhasimende abhalise noma iyiphi intela yethemu. Futhi ngesizathu esifanayo nakulesi simo, kungaphezu kokunconywa ukuthi ngamanani amakhulu kuno-100.000 euro, bakhetha vula i-akhawunti ehlukile, noma ngaphandle kokuthi kusegameni labanye abamukeli. Bangaba ngabazali bakho, izingane zakini noma amanye amalungu omndeni.

Ngakho-ke ukubaluleka kokubeka imali esikhungweni sezimali esiphephile futhi esizinzile, nokuthi akuphuli noma yimiphi imithethonqubo ekulawulweni kohlelo lwebhange laseSpain. Kodwa-ke, ngalesi sikhathi ungaqiniseka ngalesi simo, ngoba wonke amabhange kazwelonke baphase izivivinyo ze-solvency ohlelweni lwabo lwezezimali ngamamaki amahle, ezenziwe muva nje kusuka ezinhlakeni eziphakeme kakhulu zokulawula ze-Monetary Union.

Isimo sesine: kuthiwani ngamakhredithi ami?

ukuqothuka: izikweletu

Kukhona okunye okungenzeka kuwe, futhi lokho kuhlobene nezimo lapho uthola khona umugqa wesikweletu (owakho, umthengi, umbolekiso, njll.) Nebhange elingabhidlika, futhi lisindiswe ngemali yomphakathi . Ekuqaleni, ubungeke ulahlekelwe umthombo wakho woxhaso ngoba uzoya ngqo kwelinye ibhizinisi, noma uzobe uphethe ngqo ukuyikhokhela izwe uqobo.

Elinye icala elihluke kakhulu kulapho ukuqothuka kungobuchwepheshe, futhi akunakwenzeka ukukutakula. Ngemuva kwalokho, isikweletu esitholwe ngemalimboleko yakho sizokwabiwa kubabolekisi benkampani.

Izincomo ezivela ezinhlanganweni zabathengi

amathiphu okugwema lezi zimo

Izinhlangano ezihlukene ekuvikeleni abathengi zenze uchungechunge lwamathiphu wokuzama ukuvimbela lawa macala ukuthi angenzeki ohlelweni lwebhange laseSpain. Futhi ikakhulukazi, kusuka ku-Association of Users of Banks, Savings Banks and Insurance of Spain (ADICAE) iSpanish idinga abaphathi bezwe ukuthi basebenzise ibhethri elikhulu le izinyathelo ezihlose ukuvimbela lezi zimo kulimaze izintshisekelo zamakhasimende. Futhi okulandelayo okulandelayo:

  1. Ukuqapha, ukulawula nokubika ukwanda kwamakhomishini nezindleko ezisetshenziswa izikhungo zesikweletu kumikhiqizo nezinsizakalo zazo zezezimali.
  2. Ukubuyekezwa kokuvela kwamazinga wenzalo kumakhredithi, ukubolekwa kwemali kanye nezinye izinzuzo ezikhokhelwayo eziholayo noma ezifika sekwedlule isikhathi ukuzivimbela ekukhuleni ngokusabalala okuphezulu. Ngokufanayo, kuzonakwa ngokukhethekile imibandela yenkontileka kwizimalimboleko zezindlu, ikakhulukazi maqondana nezidingo zezixhumanisi ezinjengomshuwalense wenkontileka, izinhlelo zempesheni, ukusetshenziswa nokulahlwa kwamakhadi, njll.
  3. Ukulungisa iphutha lemithwalo yemfanelo yezimenenja wezinhlangano zezezimali ezikhethe noma ezikhethe ukutakulwa.
  4. Qapha ikakhulukazi, bese ubika lapho kufanele khona, izinhlobo zemikhiqizo yokonga-utshalomali nezimo zazo zezezimali nezinkontileka ezibekwa abathengi yizo zonke lezo zikhungo zezikweletu ezicela usizo ku-FROB, kanye nezinhlobo zokumaketha nokuthengisa.
  5. Ukuvikelwa kwamalungelo wabaninimasheya amancane kulawo mabhange okonga aphenduke amabhange akhipha amasheya ukuziphindisela amandla futhi okumele aye kwi-FROB ayohlanza ama-akhawunti awo.

Ukuzivikela kwabasebenzisi basebhange

Kunoma ikuphi, amakhasimende anezikhala ezithile zokuvimbela izimo ezeqisayo emabhange, futhi lokho kuzoqala kusukela ekungenisweni kwemigqa ethile yokusebenza ewusizo impela ekuvikeleni kokubili ukutshalwa kwemali kwabo kanye nokonga kwabo.

  • Ungabhalisi imikhiqizo yokonga amanani amakhulu kune-100.000 euro.
  • Hlala kude namamodeli angaqinisekisiwe ne-Deposit Guarantee Fund.
  • Khetha izinhlangano zezezimali izincibilikisi eziningi nokuthi balandela imithethonqubo ye-solvency yohlelo lokubhanga.
  • IsiCrea ama-akhawunti wokuhlola ahlukile lapho isikhwama sokonga onaso sikhulu kakhulu.
  • Indlela enhle yokwenza vimbela umonakalo wakho kuzobe kukwazisa ngabo.

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

*

*

  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.