Iimali zenzalo ezithintekayo zithini kubaTyalo-mali

Ngaba Iintlawulo Zenganamdla Ziza Kugcina IYurophu neYapan?

Uninzi lwabantu baqhelana nemingcipheko yokunyuka kwamaxabiso , apho ukubaluleka kweeplummets zemali kunye nayo yonke into ibiza kakhulu. Kwiindawo ezinjengeVenezuela, le micimbi ibe yomelele kangangokuba kukho imarike emnyama yeedola njengemali yesibini ukutshintshiselana. Imfazwe emva kweemfazwe eJamani naseArgentina ziminye imimiselo emibini yokunyuka kwexabiso lokunyuka kwexabiso elithumele abathengi ngokunyuka nokulimaza iifowuni zamatokethi ngendlela enkulu.

Ukuchaswa ngumqondo onzima kakhulu ukuba abantu baqonde - oko kukuthi, xa ukuxabiswa kwemali kuba yinkinga. Ngokwemigaqo yomntu, ukuchasana kubangela ukuba abantu kunye namashishini agcine imali ngaphandle kokuchitha kunye nokutshala imali, okunciphisa imfuno yeemveliso kunye neenkonzo kwaye ibeka uxinzelelo oluphantsi kwixabiso. Amanani aphantsi angakhokelela ekunciphiseni inzuzo kunye nokukhula okuncinci kwezoqoqosho, okwenza ukuba abathengi bakwazi ukugcina imali engaphezulu.

Kule nqaku, siza kujonga indlela enye engavamile yokubetha ukungcola okuqhubekayo kuqeshwe yiebhanki eziphambili emhlabeni jikelele ukususela ngoxinzelelo lwezoqoqosho ngo- 2008 .

Iimali zenzalo ezibi

Inzala yenzalo iyona nto ibaluleke kakhulu ithuluzi lomgaqo-mali elisebenzisa iibhanki eziphambili ukuchaphazela ukunyuka kwamaxabiso kulo lonke uqoqosho.

Ibhanki ephambili izama ukulwa nokuhlengahlengiswa ngokunciphisa amaxabiso enzala ukwenzela ukukhuthaza abathengi kunye namashishini ukuba bachithe imali kunye nokunyusa amaxabiso.

Kwezinye iimeko, le migaqo- nkqubo yesiqhelo ayisebenzanga kwaye ibhanki ephakathi iya kunciphisa ixabiso lentengo kwimimandla engafanelekanga. Ukuhambela kwenzelwe ukuvuselela ibhanki ukuboleka imali kunye namashishini ukuba asebenzise imali kunokuhlawula intlawulo ukwenzela ukuba igcine iphephile kwibhankini.

Kukho amaxesha amaninzi ahlukeneyo amanani enzala embi kwimbali, kodwa ngoku kutshanje, le migaqo iye yasetyenziselwa ukukhusela ukuchaswa.

I- European Central Bank ibonise umgaqo-nkqubo wezinga lomdla ngowama-2014, kwaye ngoJanuwari ka-2016, iBhanki yaseJapan yayingalindelekanga, igawula amanqanaba e-benchmark engezantsi ngaphaya kokunyanzela ukunyusa uqoqosho lwayo kwaye inqobe ukunyanzeliswa kweengxaki zezoqoqosho kwixesha layo. .

Impembelelo kwi-Economy & Markets

Igalelo lezinga lokungabi namanqanaba angenakunzima ukulinganisa, kuba umgaqo-nkqubo usetyenziswe ngokukhawuleza kwixesha elidlulileyo, kodwa kukho ubungqina obunokusebenza.

Amabhanki anganqwenela ukudlulela kwiindleko zerhafu ezingenamdla kubaxhasi babo kuba ukwenza njalo kunokubakhuthaza ukuba bathathe impahla yabo. Kule meko, inzala engaphantsi yemali iya kunciphisa inzuzo yeebhanki ize ibangele ukuba bangabhondi kumaqela asemngciphekweni. Abathengi abajongene neendleko zokuba nemali ebhankini banokugqiba ekubeni bathathe imali ngaphandle kwenkqubo yezemali ngokupheleleyo - nangona loo mzekelo ayizange ifake impahla.

Impembelelo yale migaqo kwimakethi yokutshintshwa kwamanye amazwe iye yavakala kakhulu. Xa iirhafu zenzalo ezimbi zikhoyo, abatyali-mali bathambekele ekukhangekeni ukubuyela kwiimarike zakwamanye amazwe, ezithumela ixabiso lemali elisezantsi. Ukulinganiswa kwemali engaphantsi kunceda ekunyuseni amazwe angaphandle ngokubenza babe nexabiso elihle kwihlabathi jikelele.

I-Euro iye yabona ezi zintsebenzo ngokubhekisele kwizinga lokutshintshiselana nedoli ukusuka ngo-2014.

Amaphuzu athathweyo

• Iirhafu zenzalo ezingalunganga zenzelwe ukunciphisa ukungcola ngokukhuthaza abantu kunye namashishini ukuba aboleke kwaye bachithe imali.
• Imigaqo-nkqubo yemilinganiselo engalungileyo isetyenziswe ngamaxesha ambalwa kwixesha elidlulileyo, kodwa iziphumo zabo kunzima ukulinganisa.
• Abanye bezoqoqosho bakholelwa ukuba iibhanki ziya kukhanyela ukuhlawulisa abathengi, oko kungonakalisa inkqubo yezemali ngakumbi.
• Ezinye i-economics zikholelwa ukuba izithakazelo ezimbi ezingenakunokuthumela uthungelwano lwamazwe angaphandle kwaye ekugqibeleni luncedise ukunciphisa ixabiso lemali yelizwe ukuze kukhuthazwe amazwe angaphandle.