Qaphela iziganeko zeBlue Bubble
I-bubble enjalo ibizwa ngokuba yi-aseset inflation .
E zintathu
Ixabiso lentengo elincinci yinto ebangela ukuba kubonakale umbhobho we-asethi. Benza ukwandiswa ngokubanzi kwemali . Ngenxa yoko, abatyali-mali banokuboleka imali encinci kodwa abanakufumana ukubuyela okuhle kwiimbopheleleko zabo. Ngoko ke, bafuna enye iklasi yeefa .
Isizathu sesibini esibalulekileyo sinokufuna-ukunyuka kwamaxabiso . Yilapho iqela le-asethi liye laziwa ngokukhawuleza. Njengoko ukunyuka kwamaxabiso e-asethi, wonke umntu ufuna ukungena kwiingeniso. Kodwa isalathisi semali yabathengi asithatha ngokuchanekileyo le ndlela yokunyuka kwamaxabiso . Ngenxa yoko, abenzi bomgaqo-nkqubo bayakujongisa.
Okwesithathu, ukunqongophala kokubonelela kuya kukhulisa i-bubble ye-asethi. Yilapho abatyalo-mali becinga ukuba akukho okwaneleyo i-asethi yokuhamba. Baxhala, kwaye baqale ukuthenga ngaphezulu ngaphambi kokuphuma.
U mzekelo
2005 - Izindlu. Umbhobho we-asethi uvele kwi- estate estate ngo-2005. I- credit default idibanisa izibonelelo eziqinisekisiwe ezifana ne -securities-backed securities .
Abaphathi be- Hedge fund badala imfuno enkulu yezi ziqinisekiso zokungabikho kwemingcipheko. Eyadala imfuneko yeemali zokubolekwa kwemali ezazibaxhasa.
Ukuhlangabeza le mfuno yeemali zokuthenga imali , iibhanki kunye nabathengi bemali mboleko banikela ngemali mboleko yasekhaya ukuya kumntu. Oko kwagxotha imfuno yendlu, ababenzi bezindlu abazama ukudibana.
Abantu abaninzi bathenga amakhaya, kungekhona ukuba bahlale kuzo okanye baqeshise, kodwa njengotyalo-mali ukuthengisa njengoko amanani aqhubeka ekhula. Xa abaqashi bezindlu begqitywa ngemfuno, izindleko zezindlu zaqala ukuwa ngo-2006. Yakha i-subprime crisis mortgage ngonyaka ka-2006. Oku kwakhokelela kwingxaki yebhanki yebhanki ngo-2007 kunye neengxaki zemali kwihlabathi ngo-2008.
2008 - ioli. Umbhobho we-aseset waqala ngehlobo le-2008 ngamaxabiso eoli . Abatyalomali baphuma kwimarike yemasheya ngo-2007 baza baqalisa ukutshala imali kwixesha elizayo leoli. Ekuqaleni, bacinga ukuba imfuno evela eChina yayiza kubangela ukunikezelwa ngenxa yobuncwane obunzima eNigeria. Kodwa ixabiso lawela ngaloo nyaka, ngenxa yokunciphisa umnotho , ngelixa ukunikezelwa kwenyuka. Oku akuzange kuvimbe ibhola ye-asethi ekudaleni amanani e-oyile aphezulu / Babeka irekhodi ye-$ 143.68 umgqomo ngoJulayi 2008. Ngaphezulu, jonga amaxabiso eGesi ngo-2008 .
2011 - iGolide. Ixabiso leGolide lafikelela kwirekhodi eliphezulu le-$ 1,895 nge-Septemba 2011. Baqala ukunyuka ngo-2009, bafikelela kwiirekhodi eziphezulu ze-1,081 ngo-Novemba. Abatyalomali bathenga igolide njengentambo yokulwa neengxaki zezemali, kungekhona kwintengo yayo ekuveliseni ubuncwane okanye ukuzaliswa kwamazinyo. Abaninzi bacinga ukuba uqoqosho lwamazwe wonke luya kubuya ngokukhawuleza
Xa kungenjalo, ixabiso legolide liqhubeka likhula iminyaka emibini. Ngaphezulu, funda iGolide, "i-Bubble Ultimate" .
2012 - Amanqaku eNondyebo. Ngomhla ka-Juni 1, 2012, uNondyebo uvelisa i-low year-200. Isivuno kwiNqaku leNondyebo le- 10 leminyaka liye lashaya ngokukhawuleza i-1.442 ekhulwini ngemini, ukuvala kwi-1,47 pesenti. I-Fed yayithenga i-$ 85 yezigidi ngeenyanga kwiimali zobuncwane ukususela ngoSeptemba 2011, ukunyusa imfuno (egcina amaxabiso aphantsi).
Okwesibini, abatyalo-mali babekhathazekile ngenxa yokungaphumeleli kwemisebenzi kunye nokunyuka kwetyala le- eurozone . Bathengisa ama-stocks, beqhuba iDow phantsi kwama-275 amanqaku, bathenga amanqaku e-US Treasury. Ngenxa yoko, ixabiso lokuthenga imali liye lahla. Oku kwakunceda ukuvuselela imakethi yezindlu . Ngaphezulu, bonani ubudlelwane phakathi kwamaNondyebo weNondyebo kunye neNkcazo yeMali yokuThengisa imali .
Ngo-2013, inzala yemali yaqala ukunyuka njengoko i-Fed ibonisa ukuba yayiza kuqalisa ukuthengwa kwayo kwinqanaba le-treasury ngo-Septemba.
INondyebo ivelisa i-75 ekhulwini phakathi kukaMeyi noJulayi. I-Fed ihlehlise ikota yezenzo zayo ekujoliswe kuyo xa urhulumente evala ngo-Oktobha. Ngoko ke, isivuno kwiNondyebo ye-10-mali sasihlala phakathi kwama-2.5-2.8 ekhulwini.
2013 - I-Stock Market. Imarike yemasheya yashiya ngo-2013. NgoJulayi, yayifumene amanqaku amaninzi kunanoma yimuphi unyaka kwirekhodi. Ngomhla we-11 kuMatshi, i- Dow Jones Industrial Average ivalwe kwi-14,254.38, iphula i-rekhodi yayo yangaphambili ye-14,164.43 ebekwe ngo-Oktobha 9, 2007. Ngomhla we-Meyi 7, yaqhekeza isithintelo esingu-15 000, ivalwe kwi-15,056,20, yaqhekeza umqobo we-16 000 ngoNovemba 21, ngo-16,009.99. I-Dow isetyenzisile ukuphakama kwayo kunyaka ngo-16,576.55 ngoDisemba 31, 2013. Ukufumana iinkcukacha, khangela iDow Umlando wokuvala .
Ixabiso lentengo liye landa ngokukhawuleza kuneemali zenkampani, eyona mqhubi wexabiso lempahla. Iinkampani zenze ukwanda kwimivuzo ngokunciphisa iindleko, kungabikho kwandisa imali. Ukufuna iimveliso zabathengi abaninzi bebuthathaka ngenxa yokuba ukungabikho kwemisebenzi kusekuphakamileyo (malunga neepesenti ezi-7) kunye nemilinganiselo emyingenelo yemyingene yayisezantsi. Abatyalomali babexhalabele malunga nokuba i-Fed yayiza kubamba i-QE kunokuba ibe yintoni ngokukhula koqoqosho kwangempela.
2014 no-2015 - iRola laseMelika. Abathengisi be-Forex batywinwe kwi-dollar, ephakama ngama-25 ephakathi kukaJulayi 2014 naphakathi ko-2015. Kwenzekile kuba xa i-US Federal Reserve yabhengeze ukuba ukunyanzeliswa kwemilinganiselo kuphele ngo-Oktobha. Ngelo xesha, iBhanki Ephakathi YaseYurophu yathi iya kuqalisa i-QE, kwaye i- GDP ye-US iphuculwe ngokuphawulekayo . Konke oku kubonakalisa amandla oqoqosho lwaseMelika kunye kunye nobuthathaka kwi-European Union kunye neemarike ezikhulayo, ngakumbi iChina . Ngaphezulu, bona i- US Dollar Index kunye neYurophu kwiMbali yokuguqulwa kweDola .
I- dollar eqinile yonakalisa i- export, iyanciphisa i-GDP ye-US ngo-2015. Yenza ixabiso lokunciphisa amaxabiso eoli. Oko kubiza imisebenzi kwishishini leoli. Kwakhona kusongela ukusetyenziswa kweenkampani ezininzi zeoli ze-shale .
2017 - i-Bitcoin. Ngo-2017, i- Bitcoin yavuka ngama-955 ekhulwini, ecima ukunyuka kwayo nayiphina ibhola. Ixabiso lexabiso lemarike lilonke laliyi-16 yezigidigidi zamabhiliyoni ekuqaleni konyaka. Kwakuyimali eyi-171 yezigidigidi ngo-Disemba. NgoNovemba 29, 2017, intengo yeB Bitcoin enye yafikelela kwiirekhodi eziphakamileyo ezili-11,000 zamaRandi. Kwiiyure kamva, kwawela kuma-9 500. Kwaqala umnyaka kwi-968.23 yezigidi.
Esinye isizathu sokunyuka kweBitcoin kukuba iJapan yeeNkonzo zezeMali zeJapan yabona njengendlela yokuhlawula ngokusemthethweni ngo-Ephreli. Abahwebi baseJapan baquka iipesenti ezingama-60 zeemarike. I-Bitcoin yimali yedijithali. Yifom esekelwe kwikhompyutheni yokutshintshwa kwemali. Akukho urhulumente okanye ulawulo lwebhanki oluphambili, olwenziwa okanye olulawulayo. NgoSeptemba 2015, iKomishoni yokuThengiswa kweeNkxaso zeMpahla yase-United States yamisela iBitcoin njengemveliso.
Indlela yokuzikhusela kwi-Asset Bubble
Ibonakaliso yombhobho we- aseset isingenangqondo . Phantse wonke umntu uthenga loo asethi. Kwangexesha elide, ukuthenga loo asethi kubonakala kunenzuzo. Ngokuqhelekileyo ixabiso liqhubeka likhula iminyaka.
Ingxaki kukuba kunzima ukuya kwixesha. Ngoko ke, landela iingcebiso kubacwangcisi abaninzi bezemali , okokuba kubekho iipotfoliyo zeentlobo -mali. Ukuchithwa kuthetha ukuhlanganiswa okulinganayo kwezitokisi , iibhondi, iimpahla kunye nokulingana kwindlu yakho. Phinda ubuyekeze i- asethi yakho yokwabiwa kwexesha ukuze uqiniseke ukuba kusekunjalo. Ukuba kukho i-bubble ye-asethi kwigolide okanye nakwizindlu, iya kuqhuba ipesenti onayo kwiklasi ye-asethi . Eli lixesha lokuthengisa. Sebenzisana nomcwangcisi wezemali ofanelekileyo, kwaye awuyi kubanjwa ngokunyaniseka okungaqhelekanga kwaye uhlaselwe kwintonga ye-aseset.