Yintoni i-Nationalization?
Ukubekwa kwelizwe kwenzeka ntoni xa urhulumente ethatha inhlangano yabucala. Iibhunga zikaRhulumente ziphela ngobunini kunye nokulawula, kwaye abanini-zangaphambili (abanini-mali) balahlekelwa utyalo-mali.
Ngokomzekelo, ibhanki e-United States ngokuqhelekileyo ishishini-kungekhona i-arhente karhulumente. Abanikazi banokuba ngabagcini-zimpahla, intsapho, iqela elincinane labantu, okanye abanye abatyala-mali.
Isenzo esisodwa se-Unilateral: Kwilizwe, ubunikazi bwedluliselwe kurhulumente, ngokuqhelekileyo njengesigqibo esisodwa. Ngamanye amazwi, abanikazi bangebuni abazigqibayo okanye bavumelise ukudlulisela ubunikazi-urhulumente wenza eso sigqibo kubo. Abanini-nxaxheba abanakho ukukhetha kodwa ukuvuma utshintsho.
Ilahleko ezichaphazelekayo: Xa kuqhutyelwa i-nationalization, abanikazi kunye nabaphathi bexesha elidlulileyo bahlala belahlekelwa (nangona ulawulo lungenelungelo lokugcina imisebenzi yabo). Abenaso i-asethi enokubaluleka kwaye ingathengiswa, kwaye utyalo-mali lwabo aluqhubeki ukubonelela ngeniso. Endaweni yoko, urhulumente ungumnini welizwe. Ngenxa yeso sizathu, uhlanga luyaxhalabisa abo bahlala (okanye banomdla) kwiibhanki nakwamanye amashishini.
Iimvavanyo zesikhashana
Ukuhlaziya iibhanki kunokusesikweni sisesigxina, kwaye kusetyenziswa rhoqo ukukhusela ibhanki kwiinkathazo zemali. Enyanisweni, oku kwenzeka rhoqo kwiUnited States: Amanyathelo e-FDIC , alawula, athengise ibhanki kwenye ibhanki-ngokuqhelekileyo ngeveki.
I-FDIC ithatha ngokuqhelekileyo xa ibhanki ihluleka ngenxa yokungabikho.
Kwizo ziganeko, ibhanki iya "kwi-receivership" kwaye ibuye "iphindwe" xa ithengiswa kwenye ibhanki. Ixesha lobunikazi boorhulumente lifutshane, kwaye ibhanki ibanjelwe ngasese emva koko. Kubasebenzisi abaninzi, loo nkqubo isebenza kakuhle. Esikhundleni sokulahlekelwa yimali kwi-bank failure, zikhuselwe ngu-federal government. Kwiimeko ezininzi, awuyi kubona xa ibhanki yakho ihluleka .
Izinyunyana zemali-mboleko zeFederally, eziphethwe "ngamalungu" abo (okanye abathengi) banokukhuselwa okufanayo: inshorensi ye-NCUSIF .
KuLuntu oluPhambili
Uninzi lwabantu alukho nkathazo kurhulumente ekungeneni kwexesha lokungaphumeleli kwebhanki. Kodwa imbambano yezopolitiko iqala ukufudumala xa uqala ukuthetha ngamanyathelo amaninzi, kuquka:
- Ukwabiwa koluntu kuzo zonke iibhanki
- Ukwabiwa kwelizwe kwiibhanki ezinkulu zelizwe
- Ukuvelisa amanye amashishini, njengempilo
Akunakwenzeka ukuba iibhanki ziya kufakwa, kodwa into enokwenzeka. Ukubambisana kubonakala ukuba loo milinganiselo yayiza kuba yisesigxina-kwakhona, njengenxalenye yokuhlangula ngexesha leemeko ezinjengeengxaki zemali. Iibhanki zokugijima ziya kuba yinto ebalulekileyo yokusebenza kworhulumente wase-US (nangona ukuba iibhanki ezinkulu kuphela zizwe).
Inombolo yesimo enye ifaneleke kuphela ukuba ulawulo oluphezulu kakhulu luya kulawula isizwe. Inombolo yesibini yolu cwangciso yacetyiswa ngexesha leengxaki zokubambisa imali kwiibhanki ezahlukileyo njengezi "zinkulu kakhulu ukuba zingaphumeleli." Ezi bhanki zithathwa ukuba zenze ubungozi obukhulu kubutyebi behlabathi kunye nabahlawuli berhafu be-US. Nangona kunjalo, amanye amanyathelo, njengemfuno eziphezulu zeemali, zanceda ekunciphiseni amathuba okwehluleka kweentlekele.
Iingcamango: Ukuvelisa i-shishini kuyimpikiswano, ngokukodwa kwiintlanga eziphuhlisayo zase-US ziye zaziwa ukuba zithathe amashishini ngexesha lokuphazamiseka, kodwa i-US ijwayele ukuba yindawo engaphezulu yezandla. Nangona kunjalo, ukuveliswa kwelizwe kubonakala ukuba nayiphi na iipolitiki zenza ukuba kwamkeleke.
Ngokomzekelo, amashishini abangela ukubandezeleka kweemeko kunye nomsindo wokuba nomsindo basengozini yokuhlaliswa.
Ngexesha leengxaki zemali, iibhanki zazingabantu "ababi," kwaye kwakulula kubagwebi ukulawula amaziko athile. Ukunakekelwa kwempilo ngumnye umzekelo apho abantu bebona ukuphathwa kakubi, ukungabi nangobala, kunye nosizi olukhulu, okwenza kube ngumhlaba oguquka-kubandakanywa ukuhlaziywa kwamandla.
Iimpembelelo zoLuntu
Kuxhomekeke kwiimbono zakho, ukusekwa kwelizwe, okanye usongelo lwalo, unemiphumo emininzi.
Abaphathi: Xa iibhanki zizwe, abachaphazelekayo (kubandakanywa nabaphathi abanomdla kwi-bhanki) balahlekelwa yimali. Ngaphezulu, abaphathi abaneepakethi zembuyekezo abanokufumana imali bangaphantsi. Ekugqibeleni, oku kuphazamisa ingozi yokuziphatha .
Abanini-mali: Abanini- mali abathatha inzuzo kwiinkampani ezibeka ingcipheko nazo zilahlekelwa. Ngokufanelekileyo, oku kubangela ukuba abatshali-mali bakhawuleze ukubeka imali kumngcipheko kwaye kwenza kube nzima ukuba ezo nkampani ziphakamise imali.
Ulawulo lukaRhulumente: Okubhetele okanye ngaphezulu, i-arhente karhulumente ithatha. Abanye bathi urhulumente akaxhotywanga ukulawula imibutho eyinkimbinkimbi kwaye ezopolitiko zingathintela imisebenzi. Abanye bathi abakhokhi berhafu bangakwazi ukugcina imali ngokusindisa amabhanki aneenkxalabo nokubabuyisa ebomini (ngaphandle kokuvumela zonke iinzuzo eziza kubanini-nxaxheba nabasebenzi).