Fumana ukuba iixabiso zamanje zi-Bargains okanye Bear Traps
Mhlawumbi bathenga ikhaya elibi kakhulu ngokusebenzisa imali ehlawuliswayo, okanye mhlawumbi bafumana ukulungiswa kwemali engafanelekanga apho, nangona iintlawulo zabo zenyanga, i-balance balance of loan yabo yenyuka inyanga nganye.
Ngaba ingozi kulo mboniso zibandakanyiwe ngokwaneleyo kwixabiso labelo lala maziko, kwaye ukwenza ukulungiswa kwamanani kwangoko kwiibhanki zamabhanki kubonisa ithuba lokuthenga okanye umgibe weebhere?
Iibhanki zisebenza njani
Ngaphambi kokuba siphendule lo mbuzo, ingxoxo emfutshane kunye elula yenkcazo yebhanki ilandelelana. Ndiyazi, ndiyazi ... yibambe umdla wakho.
Ibhanki ithatha iifomethi ezivela kubathengi abenza isatifikethi se-deposit , ukujonga i-akhawunti, ukugcinwa, i-akhawunti kunye neminye imikhiqizo. Emva koko ibolekisa le mali kubantu abafaka izicelo zokuthenga imali kwizindlu zabo, iimali-mboleko zorhwebo, iimali-mboleko zokwakha, kunye nezinye iiprojekthi.
Ukwahlula phakathi kwento ebhanki ehlawulwa ngayo kwiifomethi ukugcina iimali ezizayo (inzala yenkcitho) kunye nomdla okwenzayo kwimali-mboleko eyenziwa kubaxhasi (inzala) ininzi ingeniso yomvuzo.
Kwimihla endala, ibhanki yayixhomekeke ngokupheleleyo kwimali engenayo yokuvelisa inzuzo kubanikazi kunye neengxowa-mali ezizayo.
Namhlanje, iibhanki eziphumeleleyo zinemodeli ye-hybrid evumela ukuba bavelise ngaphezulu kwe-50% yenzuzo kwimali efana neentlawulo zomthengisi, ukucwangciswa kwekhadi lesikweletu, amasebe asebhanki , ukuxhaswa kwe-inshurensi, i-annuities, iindleko ze-overdraft, kunye nantoni na enye no kucinga.
Xa iimali-mboleko zivela kwiincwadi, imali ihlawulwa kumbolekayo kunye ne- asethi yemboleko.
Ibhanki iya kudala ukugcinwa kwenkampani kwipolfoliyo yayo yonke yokulahlekelwa kulindeleke. Ngokomzekelo, banokuthi, "Sicinga ukuba i-1% yazo zonke iimali-mboleko ziza kufezeka," ngoko ziya kuvula i-reserve yokugcinwa kwemali eyanciphisa inani lemboleko kwi- balance sheet .
Kamva, ukuba ezi mboleko ziyenzayo, eqinisweni, zihamba kakubi, sele zidale i-tampon kwi-balance sheet ukuze ithinteke ukutshatyalaliswa ngaphandle kokulimala ngokwenene. Ukongezelela, banokujonga iimboleko kumntu ngamnye, ukudala indawo yokugcina indawo xa kubonakala ukuba umntu obolekayo unokuba neengxaki zokubuyiselwa kwemboleko.
Bank Bank Crisis okanye Ukuphazamiseka?
Njengoko unokucinga, ukwanela kweendawo zokugcina izinto kubaluleke kakhulu ukugcina ibhanki enempilo. Abalawuli baseSweden bavumela ihlabathi ukuba baxhalabele kakhulu ukuba, kwiindawo ezininzi zeebhanki, iindawo zokulahlekelwa kwemali mboleko ziye zatshatyalaliswa ngokutsha, ezifikelela kumanqanaba awazange abonwe kwintlekele yendawo yokuhlala kweempahla ekupheleni kwee-1980 nakwama-1990.
Ukuba, umzekelo, i-4% yemali-mboleko yayiya kuba yindawo engafanelekanga esikhundleni se-1% apho i-management igcinwe khona, iziphumo zingabhubhisa abanini-nxaxheba, zisuse inxalenye enkulu yexabiso lencwadi kwaye ibangele ilahleko enkulu kwingxelo yengeniso .
Oku kudibaniswe nokulindela kubanye bezoqoqosho kunye nabahlalutyi ukuba uhla lwezindlu aluphelile, lubangele inkxalabo eninzi (imali eninzi yemali engenayo ingenziwa kwimvelaphi yokuboleka imali; yabona, abatsha-mali abaninzi ababandakanyeka ngaphandle kukaWarren Buffett ngokwakhe uqokelela izabelo zeebhanki ezimbalwa ezikhethiweyo.
Ngaba iibhanki zithengisa ukuthenga? Yonke Yomgangatho Wemivuzo
Ekupheleni kosuku, iyancipha kakhulu kumgangatho weengxowa-mboleko eziphantsi kwipotfoliyo yasebhanki. Njengomnye umntu omkhulu otyalo-mali uthe, kunzima ukufumana amadoda amaninzi namabhinqa anqwenelekayo angakwazi ukuvelisa ngokukhawuleza amaholo kunye nomtshini wecenari ukuzibandakanya xa uqoqosho lusebenza ngamandla kwaye yonke imboleko ibukeka ilungileyo.
Oko kwathiwa, akufanele kumangaliswe ukuba uBerkshire Hathaway athathe izabelo zeBhanki yase-US, inxalenye, ndicinga ngenxa yokuba yabuya ehla ekuhlaleni kwenani lokubhalwa kwexesha xa bonke abemi bebhanki bekhathazekile ngokugqithiseleyo umngcipheko kwinkqubo. Ukongezelela, loo bhanki ethile ayibonakali ukuba nayiphi na ixabiso elikhulu kwiimarike ezisezantsi. (Ukwazisa okupheleleyo: Ndine-US Bancorp yesitoksi esifanayo iminyaka emininzi.)
Xa ndifumene isikhundla sam, ndifumanisekile ukuthabatha isiluleko sikaCharlie Munger: "Vukani, nisoloko niguqule." Buza umbuzo emva. Ukuba i-US Bancorp ithengisa kwisilinganiselo esiphantsi kwe-p / e ngaphezu kweemarike ngokubanzi kwaye inokuphakamisa inzuzo ngesabelo ngasinye kwi-10% ngonyaka-into echazwe yinjongo ecacileyo yolawulo kwi- 10K nengxelo yonyaka, kunye ne-4.60 % isabelo semali esahlukileyo xa ugcina isitokisi-yintoni inokwenzeka ukuba, ixesha elide, uza kuba neziphumo ezintle kakhulu ngaphandle kokubakho ukutshatyalaliswa kweminyaka emithathu ukuya kweyintlanu ecinga ukuba imali yokulahlekelwa kwemali mboleko iqikelelwa ngokukhawuleza?
Ubungakanani bakho obungcono kunokuba imbuyekezo ephakathi iphucukisiwe ngakumbi xa isitokethi ibanjwe kwi-akhawunti ehlawulwe irhafu efana neRoth IRA, i-IRA yeNdabuko, njl. Lo mbuzo unokucelwa i-Wells Fargo (endiyenayo) okanye nayiphi enye ibhanki ; ukubeka nje kwiingcamango, isivuno semali esahlukileyo, kunye nokuqikelela kwakho ukulungelelaniswa kweendawo zokulahleka. Ukuba awukwazi ukuba ungaqala kuphi, phuma iqela lephepha uze uqhathanise ilahleko zokulahlekelwa kwiibhanki ezifana; nayiphi na indlela yokuphuma kumgca kufuneka ibe yimbangela yokukhathazeka.