Iimali zenzalo zizimisele njani kunye nendlela ezichaphazela ngayo iPortfolio yakho
Isixhobo esinamandla kunazo zonke kwi-Arsenal ye-Fed yikhono lokuchaphazela ulwalathiso lwamazinga enzala. Xa izinga lentengo liphantsi, i-capital is lula ukuyifumana. Oku kungakhuthaza uphuhliso lwezoqoqosho ngenxa yokuba, ubunjani bomntu ukuba yiyiphi, imali eyongezelelekileyo okhoyo, ngakumbi unokuhlawula into oyifunayo-nokuba ingaba imoto okanye loo mboniso wesikrini se-plasma.
Ngakwesokunxele, i-result is "imali eninzi yokutshitshisa iimpahla ezimbalwa," njengoko ilizwi lihamba. Oku kubangela ukunyuka kwamaxabiso njengoko amabhizinisi ayaqonda ukuba angahlawulisa amanani aphezulu kwimpahla kunye neenkonzo. Ngokukhawuleza, kukubiza ukuba uzalise itanki yakho kunye nefriji.
Nangona amazinga enzala aphezulu kakhulu, ke, umphumo unokuba ngumnotho kwaye, kwiimeko ezinzima, ukuchasana; isiphumo sokuthi sinokutshabalalisa ngokwezomnotho -cinga ukuba uya kuhlawula imali yakho yokuthenga imali kwaye uqaphele ukuba, nangona ibhalansi ingazange ikhuphuke, kuya kubiza imali engaphezulu kweedola ngokwamandla okuthenga kunokuba ngaphambili!
I-Federal Reserve inokuthintela njani ulawulo lwamazinga enzala ? Ngenye yeendlela ezimbini:
- Ngokuphakamisa okanye ukunciphisa izinga lokunciphisa.
- Ngokuchaphazela ngokungathanga ngqo ulawulo lwezinga leemali zikaRhulumente.
Ixabiso leRhafu
Ireyithi yokunciphisa ibhanki yamanqanaba enzala ahlawuliswa xa beboleka imali ngokukhawuleza ngokukhawuleza kwi- One Reserve Bank .
Xa iindleko zemali zanda kwibhanki yakho, ziya kuhlawulisa ngaphezulu ngenxa yoko. Oku kwenza ukuba inkunzi ibe yindleko ephezulu kwaye iziphumo zokuboleka ngaphantsi. Ukuchitha imali kuyancipha, kubangela kube nzima ukuba amanani aphumele; okuchasene nenyaniso xa ixabiso eliyinkunzi libiza kakhulu ngenxa yokuhla kwezinga lokunciphisa.
Isilinganiselo seFederal Funds
Isilinganiso semali yeSithili seburhulumenteni isilinganiselo sokuba ibhanki zihlawulane ngokubambisana. "Kutheni ibhanki enye ibingenisa imali kwenye?" ubuza. I-Fed ingadinga ibhanki ukuba igcine ipesenti ethile yeefa ngefom imali ngesandla okanye ifakwe kwelinye lamabhanki ase-Federal Reserve. Ukususela ngamaxesha, kuya kusungula umlinganiselo ofunekayo weendawo zokugcina ukugcina; xa lo mgangatho unyuka, imali eninzi kufuneka igcinwe kwintlambo ebusuku, okwenza kube nzima (kwaye kubiza) ukuba imali ifumaneke. Xa ukufunwa kweemfuno ezihlawulekayo kunciphisa, ukunikezelwa kwemali kukhululiwe; kuba imali engaphantsi kufuneka igcinwe ngesandla, kuba lula ukufumana inkunzi.
Iindleko ezikhulayo (okanye ezinciphileyo) zokufumana imali zidluliselwa kubathengi njengoko iibhanki zilungelelanisa izinga lokuboleka imali ephezulu (ibhanki yemali ihlawulise abathengi babo abafanelekileyo kakhulu) ukuhlawula. Ixabiso lokubolekisa ngokuyinhloko alifani; IBhanki yaseMelika inokulinganiswa ngelixa i-US Bank inomnye. Ngenxa yoko, isixa esiphezulu esicatshulwa kakhulu kwi-United States yinto efumaneka kwi- Wall Street Journal . Imela ukuvota kweebhanki ezimashumi mathathu ezikhulu zesizwe; xa amashumi mabini anesithathu kulawo maziko ashintshile amaxabiso abo, i- WSJ iphendula ngokuhlaziya izinga elipapashiweyo.
Oku ekugqibeleni kukuphazamisa umgca wakho kumgca kuba amaninzi amakhadi ekwereti, umzekelo, useka izinga lomdla olihlawula kwi-premium ngaphezulu kwezinga le-WSJ prime.