Iinguqu ezintathu zeNkqubo yeMali kunye neNkcitho yeMali
Ukwandiswa : Xa abathengi banethemba, bathenga ngoku. Bayazi ukuba kuya kuba negalelo elizayo kwimisebenzi engcono, izindleko eziphezulu zasekhaya kunye nokwanda kwexabiso lentengo. Njengoko ukwanda kwamanani, amashishini aqesha abasebenzi abatsha.
Ukwanda kwentengo yabathengi, kuqhubekisela phambili imfuno. Ukunyuka kwexabiso elincinci kwezempilo kunokubangela imfuno ngokukhupha abathengi ukuba bathenge kwangoku phambi kokunyuka kwamaxabiso.
Ukwandiswa okunempilo kunokukhawuleza kuba yinto enobungozi. Kwenzeka xa kukho imali eninzi yokutshutshisa impahla embalwa kakhulu. Kungabangela intengo yamanani entengo okanye ibhola le-asethi .
Inqanaba lephambili : Ukuba ukufunwa kwempahla ngaphandle kokunikezelwa , ngokoqoqosho luyakwazi ukugqithisa. Abatyalomali kunye namashishini bancintisana ukuba baphumelele kwiimarike , bathatha ingozi enkulu yokufumana ukubuyisela okunye. Olu dityaniselo lweemfuno ezingaphezu kwemfuneko, kunye nokudaliswa kweemveliso eziyingozi , kwakha ibhobho yezindlu ngo-2005.
Unako ukuhlala uqaphela into ephambili ngezinto ezimbini: Okokuqala, abeendaba bathi ukunyuka akuyi kupheliswa. Okwesibini, kubonakala ukuba wonke umntu kunye nomntakwabo wenza iitoni zemali kuyo nayiphi na ibhokhwe yexabiso.
Ukuphambana : Ukuqhekeka kubangela ukunyuka kwemali . Iintlobo ezintathu zeemeko zibangela ukuqhekeka.
Ziyanda ngokukhawuleza kwintlawulo yemali , ingxaki yemali, okanye ukunyuka kwamaxabiso okuphunyuka. Uloyiko kunye nokwesaba ukubuyisela ukuzithemba . Abatyalomali bathengisa ama- stocks , kwaye bathenga izibophelelo, igolide kunye ne-dollar yase-US. Abathengi balahlekelwa yimisebenzi yabo, bathengise amakhaya abo, bayeke ukuthenga nto ngaphandle kwezidingo. Amashishini ahlalisa abasebenzi, kwaye agcina imali.
Ukuphumelela: Abathengi kufuneka babuyisele ukuzithemba ngaphambi kokuba uqoqosho lufike kwisigaba esitsha sokwandisa. Oku kufuna ukuba kungenelele kumgaqo-mali okanye umgaqo-mali. Ehlabathini elifanelekileyo, basebenza kunye. Oko, ngelishwa, ayifumanekanga ngokwaneleyo.
Indlela Umgaqo-mali weMali uguqula ngayo i-Cycle Business
Umgaqo- mali wendlela yebhanki yesizwe isebenzisa izixhobo zayo ukulawula umjikelo wezoqoqosho. Ilungelelanisa ukuthengiswa kwemali ngokutshintsha amaxabiso omyinge kunye nokunikezelwa kwemali .
Ukwandiswa: iibhanki eziphambili zizama ukugcina izinga lokunyuka kwexabiso eliphambili malunga neepesenti ezi-2 ukudala ukulindela okunempilo kokunyuka kwamaxabiso. EUnited States, oko kuthetha ukuba i- Federal Reserve iya kugcina isantya semali esondeleneyo malunga neepesenti ezi-2. Ukuba ukukhula koqoqosho kusele kwizinga eliphezulu lokukhula kwepesenti 2-3 , i-Fed ayiyi kwenza nayiphi na utshintsho.
Intloko: Iibhanki eziphambili ziphakamisa amaxabiso enzala ngexesha lokunyuselwa ukuphepha ukunyaniseka okungaqhelekanga kwintlanzi. Ebizwa ngokuba ngumgaqo-nkqubo wezimali . Ukuba kuyimfuneko, baya ku thengisa izibophelelo ze-Nondyebo kunye nezinye iimpahla ngexesha lokusebenza kwemarike evulekileyo .
Ulwahlulo: Kule ngongoma, ukulungiswa kwemakethe ye- stock market kungabonisa ukuba ixabiso liphezulu. I-Fed ingatshintshela kumgaqo-mali wokunyuselwa kwemali ukuba ukukhula koqoqosho kuphucotha okanye kuguquke.
Oku kuthetha ukuba kuya kunciphisa ixabiso lentengo kwaye kuthenge i-Treasurys kwimisebenzi yemakethe evulekileyo.
Ukuqhubela phambili: Iibhanki eziphambili zikhupha zonke izixhobo ukuxhoma ukuqala uqoqosho ngaphandle kwendawo. Ngo-2008, i-Fed isebenzisa izixhobo ezahlukeneyo zokugcina iibhanki zingaphumeleli . Kwaye kwandisa imisebenzi yayo yemarike evulekile kwiprogram ebizwa ngokuba lula ukuhamba .
Indlela Umgaqo-nkqubo Wezezimali Utshintshe I-Cycle Business
Umgaqo-nkqubo wezemali nguwuphi na amagosa akhethiweyo asetyenzisayo ukutshintsha umjikelo. Kodwa abavumiyo kwiindlela ezifanelekileyo zokuziphumeza. Njengoko ziphumo, abazisebenzisi ngamandla omgaqo-nkqubo wezemali.
Ukwandiswa: Xa uqoqosho lukwisigaba sokwandisa, abapolitiko banelisekile kuba abahlali babo bayavuya. Baza kulandela ezinye iinjongo, ezifana nomgaqo-nkqubo wangaphandle, ukukhusela okanye ukufuduka . I-United States okwangoku isigaba sorhwebo .
Inqanaba lephambili: Ngethuba lokungabikho kwengqiqo, abapolitiko bayaqhubeka bengayinaki umgaqo-nkqubo wezemali. Baya kuba ngabahlakaniphile ukuba baphishekele umgaqo-nkqubo wezemali wokuchasana ukuze baphephe intlanzi. Kodwa abezopolitiko abayi kuphinda banyulwe ngokunyusa iirhafu okanye ukunciphisa imali.
Uluhlu: Lona xa umgaqo-nkqubo wezemali owandisiweyo kubalulekile. Amagosa akhethiweyo akhuwuleza ukusika iintlawulo kunye nokwandisa imali yokudala imisebenzi, ukufunwa kunye nokuzithemba. Isisombululo esingcono kakhulu sokungabikho kwengqesho kwintlupheko yintcitho karhulumente kwimisebenzi karhulumente nemisebenzi yemfundo.
Ukuqhubela phambili: Kule ngongoma, kukho isikhalazo esikhulu phakathi kwabavoti ukuba amagosa akhethiweyo kufuneka enze into yokuguqula izinto. Eye yenziwa ngempumelelo ngo-2009 kunye noMthetho wezoThutho zoQoqosho, owawuphelisa ukuBuyelwa kweNtloko .