Omunye wemikhakha esebenza kakhulu ngekota yokuqala yonyaka ngokungangabazeki umkhakha wamabhange. Hhayi izizathu zama-akhawunti abo ebhizinisi, noma ngoba banezinzuzo ezimbalwa. Kepha kulokhu isizathu kungenxa ye- ukunyakaza kwezinkampani lokho kungakhiwa engxenyeni enkulu yamaqembu ezezimali ezwe lethu. Futhi ikakhulukazi ukuhlangana okungavela kulezi zikhathi. Ukufika lapho ukuqashwa kwamatayitela kulo mkhakha kuphezulu kunezinyanga ezimbalwa ezedlule.
Lesi sehlakalo siholele ekutheni ingxenye enhle yabatshalizimali abancane nabaphakathi babeka okuthile kwi-radar yabo yokutshala imali. amabhange azwela kakhulu kule misebenzi. Kubukeka sengathi kuzophinde kube nokunyakaza ngalezi zinkampani. Ungangabazi ukuthi uma wenza ngokushesha okukhulu uzokwazi yenza inzuzo ukonga ngempumelelo. Futhi ngubani owaziyo ukuthi ungadala yini ukushintshana okuzinzile kwezezimali kusukela manje ngamandla amakhulu wokubuyekeza.
Ngoba empeleni, wonke amalungu emakethe kazwelonke aqhubekayo abandakanyekile. Lapho kubikezela kakhulu ukuthi i- ukungazinzi kufakwe kwikhotheshini yamanani abo. Okungenani isikhathi esithile ngokwanele ukwenza isu lokutshala imali elisebenza ngempela. Ngomthamo wezinkontileka odlula oweminye imikhakha, njengesibonakaliso sokuthi kukhona okwenzekayo ngamabhange aseSpain. Noma okungenani nabanye babo. Ngabe ufuna ukwazi ukuthi kwenzakalani ngalo mkhakha ofanele wemakethe yamasheya waseSpain?
Umkhakha webhange: ukunyakaza
Uma ufuna ukutshala imali oyongile kusukela manje kuqhubeke, vele ngeke ukhohlwe ngomkhakha webhange nganoma iyiphi indlela. A igagasi elisha lokuhlangana noma ukunyakaza kwezinkampani okubaluleke kakhulu kwebhizinisi. Kwezinye izimo bangalimaza izikhundla zakho kumasheya, kepha kwezinye izimo kuphambene. Lokho kusho ukuthi, thola izinzuzo ezibalulekile ekusebenzeni okwenziwe kusukela manje kuqhubeke. Kuzofanele unake kakhulu konke okwenzekayo ngezinhlangano zezezimali.
Kusuka ezindleleni ezinolaka kakhulu kunangezinye izikhathi. Umcimbi ungakufanelekela ukuthi uvule izikhundla, kuya ngamathuba akho emali. Ngenzuzo eyengeziwe yokuthi kwamanye amanani uzoba ne- Ukusatshalaliswa kwesahlukaniso minyaka yonke. Ngokubuyiselwa kwemali oyongile engakhuphukela ku-6%. Ikakhulukazi uma isikhathi sokuhlala unomphela kwezimali zakho sitshaliwe siphakathi nendawo noma isikhathi eside. Kungakhathalekile ukuthi yini engenzeka ngesilinganiso samanani abo ezimakethe zezimali.
Ukuqagela ukuthi lokhu kuhamba ngeke kuthathe isikhathi eside ukukhula. Kungaba yindaba yamasonto noma esimweni esibi kakhulu sezinyanga. Kepha kubonakala sengathi kungenzeka ukuthi okungenani ezinye zazo zizoba imizimba yenyama. Ngalo mqondo, ngeke kube khona okunye abangakwenza ngaphandle kokubona ukuthi impendulo yokugcina yezimakethe zezimali izoba yini. Ngenhloso eyodwa yokuthi ungasizakala ngalesi simo esivezwa umkhakha wamabhange njengamanje.
Ukuhlanganiswa Okudumile noSabadell
Kuyakhala kakhulu ezindaweni zokuhweba zamasheya aseSpain. Kubonakala sengathi nganoma yisiphi isikhathi ungakwazi qinisekisa izindaba. Kunoma ikuphi, kufanele uzilungiselele ukubamba iqhaza ezimakethe bese uzama ukuthola izinzuzo eziphezulu kulo msebenzi. Ukuthi i-Auriga Sociedad de Valores icishe ikuthathe kalula. Njengabanye abalamuli bezezimali zokubaluleka okukhethekile. Akumangalisi ukuthi kungaphezu kokuhleba nje. Futhi umsebenzi wezihloko zabo ezimakethe zezezimali kukhombisa lokhu ezinsukwini ezisanda kwedlula.
Imininingwane evela ephephandabeni laseCatalan iLa Vanguardia lixwayisa ngokuthi zombili lezi zinhlangano zithathe isikhathi ukucabanga ngomshado ongaba khona. Kepha kunoma yikuphi, umphumela wokugcina ubonakala usubhaliwe. Kunoma ikuphi, konke kubonakala kukhombisa ukuthi kungaba yibhange laseCatalan elizothatha izintambo zeqembu elisha lebhizinisi. Ukulawula ama-58% webhizinisi eliholelekile. Iqiniso eliphakamisa iqiniso elibalulekile ezithakazelweni zakho njengomtshali zimali omncane.
Ngoba empeleni, umbuzo ovelayo okwamanje ukuthi ngabe kunenzuzo enkulu ukuthatha izikhundla ebhange elilodwa noma kwelinye. Kubonakala njengokuhamba okuhle kakhulu kuzokwenzeka kokudumile. Nguye obezozuza kakhulu ngokuhlinzwa. Ikakhulu, ngemuva kwezinkinga zakamuva enazo futhi eziholele intengo yamasheya ayo ukuhweba ngamanani aphansi omlando. Ngokwehla kwenani elingakaze libonwe kumasheya kazwelonke. Ukuba ngenye yamanani amabi kakhulu emakethe yamasheya.
Iminyakazo eLa Caixa
Elinye ibhizinisi leCatalan lingumsuka walezi zinhlangano ezifanayo, yize linemibono ehlukile. Ngoba kubonakala sengathi ngemuva kokuzijabulisa kwakho kwesiPutukezi, kubonakala sengathi ufuna ukuthatha ikhefu ngaphambi kokuqala ukusebenza okusha. Ngakho-ke okungenani bayaphawula ngalo ezigungwini zabo ezilawulayo. Kepha abekho abahlaziyi bezimali abambalwa abacabanga ukuthi bekungeke kuthathe isikhathi eside ukuphendula ukunyakaza okungenzeka kukaSabadell. Kubukeka sengathi le misebenzi emisha ingaba yindaba yesikhathi.
Kunoma ikuphi, kusechibini lemisebenzi engenzeka emkhakheni wamabhange. Nge inhlanganisela eziningi play. Njengoba sibhekene nalesi simo, kuzoba ngesinye sezitoko ezishisa kakhulu emakethe yamasheya kazwelonke. Lapho kungenzeka khona noma yini. Njengoba iwele ezintweni zayo kuze kube intengo yayo ingakhuphuka kakhulu ngenxa yalokhu kuhamba kwenhlangano. Kufika emazingeni abezobuyisa intengo yawo kumazinga wama-maximum ayo omlando. Kusondele kakhulu ekuvinjelweni kwama-euro amahlanu ngesabelo ngasinye.
I-Bankia enye yezinto ezifiselekayo
Ngemuva kwemiphumela yayo emihle yebhizinisi, yonke into ibonakala ikhombisa ukuthi izothutha ngaphakathi kwe-panorama yomkhakha wamabhange. Zonke izindaba zihloswe ngalo mqondo, futhi udinga ukuzazi ukwazi ukuthi yisiphi isikhundla okufanele usithathe ezinsukwini ezizayo. Vele, ngeke kube inqubo elula ngoba amanye amabhange ngokusobala asevele ehambise ama-chips awo wakhe kabusha umkhakha wamabhange. Esikhathini esingeqile isikhathi eside ngokweqile.
Ngale mibono ejwayelekile, kubonakala kucace bha ukuthi I-BNM iyona ozobhapathizwa kakhulu ukwenza le mibuthano emkhakheni wamabhange. Ngalo mqondo, abahlaziyi bezikhungo ezinkulu zezezimali zaseSpain bakushayela ihlombe ukuhlanganiswa kwalezi zikhungo ezimbili zezezimali ngesizathu esisobala. Akuyona enye ngaphandle kwenani elengeziwe elinikeza abaninimasheya futhi ekugcineni kumkhokhi wentela uqobo.
Amanani angaphandle kwalo mkhakha
Kukhona namanye amasheya asesikhathini esishisayo kakhulu ngentengo yawo. Lokhu kunjalo ikakhulukazi inkampani yokwakha iFCC, okuyisikhathi esibaluleke kakhulu ekuguqukeni kwayo kumasheya. Akumangalisi ukuthi baningi abatshalizimali abancane nabaphakathi abalinde lokho abangakwenza ezinyangeni ezizayo. Lapho ithembisa khona imizwa enamandla kakhulu kubo bonke abasindisi.
Ngoba impela, enye yamasheya ashisa kakhulu emakethe yamasheya kazwelonke ngokungangabazeki i-FCC. Ukungabaza okuningi ukuthi ukwakheka kwabaninimasheya akhiqizayo kuholela ekunyukeni kwamanani ayo ngokuguquguquka okuningi. Ngoba empeleni, le nkampani yokwakha iba ngenye yezindawo ezisebenza kakhulu kunkomba yokulinganisa yamasheya aseSpain.
Ngokuyisisekelo, ibone ukuthi izibikezelo zayo zehliswa ngenxa yokusuka kweGreat Britain ezikhungweni zomphakathi, ezaziwa ngeBrexit. Ngalo mqondo, iFerrovial ikhiqize inzuzo ephelele yama-euro ayizigidi ezingama-279 ezinyangeni eziyisishiyagalolunye zokuqala zonyaka. Noma kunjalo, imele ukwehliswa okungaba ngu-42% maqondana nemiphumela yonyaka odlule. Esinye sezizathu zale miphumela ebuthakathaka ukutholakala ekwehlisweni kwepondo ngenxa yeBrexit.
I-FCC: inzuzo ephansi yebhizinisi
Imininingwane yakamuva ekhishwe yinkampani yezokwakha kazwelonke nayo ikhombisa ukwehla okukhulu kunzuzo yayo yonke yokusebenza (i-Ebitda). Akumangalisi ukuthi yehliswe ngamaphesenti angaphezu kuka-30%, yafinyelela kwisibalo sama-euro ayizigidi ezingama-425. Futhi kuthonywe umphumela wokushintshaniswa kwemali, futhi ikakhulukazi kwimali yaseBrithani. Konke lokhu kudale ukuthi kube nengxenye enhle yabahlaziyi bezezimali kwehlise inani lentengo yenkampani yokwakha. Kwezinye izimo kakhulu.
Abaninimasheya abasha enkampanini
Enye yezinto ezibalulekile zokuhlaziya isici sayo esiyisisekelo yileso esihlobene nokwakheka kwabaninimasheya. Ngemuva kwenqubo ende yokulawula izinkampani futhi okulethe intengo yamasheya ayo emazingeni azungeze ama-euro ayisikhombisa ngesabelo ngasinye, izinto zibukeka zehlile. Isizathu asikho okunye ngaphandle kwe- ukuhlaselwa okucacile kwesikhulu saseMexico uCarlos Slim emandleni. Ngoba ngemuva kokwenza ukwanda kwemali eyizigidi ezingama-700 zama-euro, sekuthathe ukulawula okucacile kwenkampani ngemuva kwesikhathi esingaphezu konyaka izama ukwenza leli su lebhizinisi.
Leli qiniso libangela, ukuthi futhi abathengi baphoqelela abathengisi ngokusebenzisa okukhulu ukuqongelela iziqu. Kulokho okungakhiwa kumnyakazo obuyela emuva ubheke kuma-euro ayishumi ngesabelo ngasinye. Uma kunjalo, kungaba yindlela ecacile yokuthenga kubatshalizimali.