Iyiphi Ingenelelo yeMali?

Ukukhangela kwiNgcaciso yeBhanki yeCentral kwi-Market Forex

Ukungenelela kwemali - okanye ukungenelela kwangaphambili - kwenzeka xa ibhanki ephakathi ithenga okanye ithengisa imali yelizwe kwimarike yohhwebo lwangaphandle ukuze ifuthe ixabiso layo. Lo mkhuba uphathelene nomgaqo-nkqubo wezemali , kodwa sele usetyenziswe ngamazwe amaninzi kuquka iJapan, iSwitzerland neChina ukulawula ukulinganiswa kwemali.

Ngokona buninzi, ukungenelela kwemali kulungiselelwe ukugcina ixabiso lemali yasekhaya elingaphantsi kwee currencies zangaphandle.

Ukulinganiswa kwemali ephezulu kwenza ukuba amazwe angaphandle athathwe ngokuncinci, kuba ixabiso lemveliso liphezulu xa kuthengwa ngemali yangaphandle. Ngenxa yoko, ukulinganiswa kwemali engezantsi kunokunceda ukuphucula amazwe angaphandle kunye nokuqhuba ukukhula koqoqosho.

Kule nqaku, siza kujonga kwiingenelelo ezahlukeneyo zemali kwimbali, indlela abafezekileyo ngayo, kunye nokusebenza kwabo.

Ukungenelela kwemali kwiMbali

Umzekelo wokuqala wokungenelela kwemali ngokuqinisekileyo e-US ngethuba loKuCaluleka okukhulu xa urhulumente efaka iintsimbi zegolide ezivela eYurophu ngokuthengisa iiRandi zase-US ukuze kugcinwe umgangatho wegolide ngelo xesha. Kodwa, ukungenelela kwemali njengoko sikuyazi namhlanje akuzange kuqalwe ngokugqithiseleyo emva kokuba emva kokudityaniswa kwemibutho yezoqoqosho.

I-China mhlawumbi iyona mzekelo ogqithisileyo wokungenelela kwemali. Ngomnotho othunyelwa ngaphandle, ilizwe lifuna ukuqinisekisa ukuba i- yuan yaseTshayina ayifumananga ngokuxabisa kwiDola yase-US, ekubeni i-US yayingumngenisi wayo omkhulu.

Ilizwe lithengise i-yuan ukuze kuthengwe i-dollar yase-United States njenge- Treasury kwaye igcinwe ikhonkco kwixabiso lentela.

Kutshanje, i-Bhanki yaseJapan (BOJ) kunye ne-Swiss National Bank (SNB) baye bangenelela kwiimarike zemali ukuze bakhusele iimali zabo kwixabiso elixabisekileyo.

Ekubeni amazwe amabini anqatshelwe njengendawo ekhuselekileyo kubalimi-mali, i-yen kunye ne-franc bayayixabisa ngexesha loxinzelelo lwezoqoqosho, okubangela ukuba amabhanki aphakathi angenelele kwimarike.

Iindlela eziqhelekileyo zokungenelela kwemali

Ukungenelela kwemali kubonakala ngokubanzi njengentengiso okanye engekho inzalo, kuxhomekeke ekubeni itshintshe isiseko semali. Zombini iindlela zibandakanya ukuthenga nokuthengisa iimali zelizwe langaphandle - okanye iibhondi ezibekwe kwii-currencies - ukuba zandise okanye zinciphise inani lemali yazo kwimarike yokushintshaniswa kwamanye amazwe.

Ukuthengiswa okufakwe kwintsimbi kwenzelwe ukutshintsha amaxabiso okutshintshwa ngaphandle kokutshintsha isiseko semali ngokuthenga okanye ukuthengisa iimali ezinxulumene neemeko zangaphandle ngelixa zithenga kunye nokuthengisa iimfesane zemali zekhaya ukuze zihlawule imali. Ukuthengiselana okungekho kumanyathelo kubandakanya ukuthenga okanye ukuthengisa iintlawulo zemali zangaphandle kunye nemali yasekhaya ngaphandle kokuthengiswa kwemali.

Iibhanki eziphambili zinokukhetha ukungenelela ngokuthe ngqo kwiimarike zemali ngokubhekiselele ekuthengeni imarike. Ezi ntengiso zibandakanya ngokuthe ngqo ukuthengwa kwemali yangaphandle kunye nemali yasekhaya okanye ngokulandelanayo, kunye nexesha lokuhanjiswa kweentsuku ezimbalwa kwiiveki ezimbalwa.

Injongo kule micimbi ichaphazela ixabiso lemali kwixesha elisondeleyo.

Ukusebenza koNgeniso lweMali

Ukusebenza kwamanyathelo okungenelela kwemali, ngokukodwa ezo ezenziwa kwiimarike zashishini lokutshintshiselana kwamanye amazwe, zihlala zingathandabuzeki. Uninzi lwezoqoqosho luyavuma ukuba ukungenelela kwexesha elide elingekho inzalo lisebenza ngokufanelekileyo ekuthathethweni kwezinga lokutshintsha ngokuchaphazela isiseko semali. Kodwa, ukuthengiswa okufakwe kwintsebenzo kubonakala kunemiphumo encinci kakhulu kwixesha elide.

I-Spot kunye nokuthengiswa kweevenkile zithengiswa. Ngokomzekelo, i-Bhanki yaseJapan iye yaqalisa ukungenelela okuninzi kwii-1990s nakuma-2000, kodwa abahwebi be-forex bahlala bephendula ngokunyusa i-yen phezulu kweendlela. Kukho ke ingozi yokuziphatha ngokuhlala uzimisele ukukhusela izinga elithile.

Amaphuzu athathweyo

• Ukungenelela kwemali kubandakanya ukuthenga okanye ukuthengisa imali yasekhaya kunye / okanye iimali ezizimeleyo zelizwe langaphandle kwimakethi yehlabathi.
• Uninzi lwamanyathelo angenelelo lwemali luqhutyelwa ukuba lube nolwazi olunzulu lweemali zasekhaya, ezinokubangela ubuhlungu kumacandelo okuvelisa nakwamanye amazwe.
• Ukungenelela kwemali kungenzeka ngokusetyenziswa kweendlela ezihlukeneyo, kodwa ukusebenza kwazo kuhlale kungathandabuzeki kakhulu.