Uhlobo lweMigaqo-nkqubo yeMali, iinjongo kunye nezixhobo

AbaPhathiswa abathathu kwabaMine bavuma ukuba iMigaqo-nkqubo yokuThuthukiswa kweeNkcitho iLungile

Umgaqo-nkqubo wezemali yinkcitho karhulumente kunye nerhafu echaphazela uqoqosho. Amagosa akhethiweyo kufuneka aququzelele umgaqo-nkqubo wezemali ukudala ukukhula kwezoqoqosho . Abaqhelekanga. Ngoba? Umgaqo-nkqubo wezemali ubonisa izinto eziphambili kumthetho ngamnye. Bajolise kwiimfuno zabo. Ezi mfuno zengingqi zigqithise ngaphezu kwezinto eziphambili zezoqoqosho. Ngenxa yoko, umgaqo-nkqubo wezemali uxoxwa ngokutsha, nokuba ngaba kwi-federal, state, county okanye kumasipala.

Iintlobo zeMgaqo-nkqubo wezeMali

Kukho iintlobo ezimbini zomgaqo-nkqubo wezemali. Iyokuqala kunye neninzi kakhulu-isetyenziselwa ukwanda . Ikhuthaza ukukhula koqoqosho. Kubaluleke kakhulu kwisigaba sokuqhawulwa komjikelo . Yilapho abavoti bekhala ngokukhawulela ukukhululeka kwilizwe.

Ingaba isebenza kanjani? Urhulumente unokuchitha ixesha elide, unciphisa irhafu okanye ngaba bobabini xa kunako. Injongo kukubeka imali emininzi kwizandla zabathengi, ngoko bachitha ngaphezulu. Ukugquma kuqala ukufuna , okwenza amabhizinisi asebenze kwaye ungeze imisebenzi. Iipolitiki zixubusha malunga nokusebenza kakuhle. Abameli bezoqoqosho zenkxaso-mali banqwenela ukunyuka kweerhafu. Bathi ikhulula amashishini ukuba aqeshe abasebenzi abaninzi ukuba baphishekele imisebenzi yezoshishino.

Abameli bezoqoqosho zecala-mali bathi ukuchitha imali eyongeziweyo kusebenza ngakumbi kunokwenziwa kweentlawulo. Imizekelo ibandakanya iiprojekthi zomsebenzi karhulumente, iingeniso zengqesho kunye nezitampu zokutya. Imali ingena kwiipokethi zabathengi, abaye baphume kwaye bathenge izinto ezivelisa ishishini.

Umgaqo-nkqubo wezemali owandisayo ukhe wunakwenzeka kummandla karhulumente noomasipala. Kungenxa yokuba banikwe igunya lokugcina uhlahlo lwabiwo-mali. Ukuba abazange badale i-surplus ngexesha lexesha lokuqhawula, kufuneka banqume ukuchitha imali ukuze bafanise imali yengeniso encinci ngexesha loqoqosho. Oko kwenza ukubethelwa kube nzima.

Ngethamsanqa, urhulumente wesigqeba akanalo mithintelo enjalo, ngoko unokusebenzisa umgaqo-nkqubo wokwandisa xa kufuneka. Ngelishwa, ithetha ukuba iCongress idale ukulahlekelwa kohlahlo lwabiwo-mali nakwixesha loxinzelelo lwezoqoqosho . Oku kungakhathaliseki ukuhlawulwa kwetyala lelizwe. Ngenxa yoko, umlinganiselo obaluleke kakhulu wetyala-kuya-GDP udlulile kuma-100 ekhulwini.

Uhlobo lwesibini, umgaqo-nkqubo wezemali olwaphulo , awunqabile ukusetyenziswa. Kungenxa yokuba injongo yalo kukunciphisa ukukhula koqoqosho. Kutheni ungathanda ukukwenza oko? Isizathu esinye kuphela, kwaye oko kukugxotha ukunyuka kwamaxabiso. Kungenxa yokuba igalelo lexesha elide lokunyuka kwamaxabiso liyakonakalisa umgangatho wokuphila ngokukhululeka.

Izixhobo zomgaqo-nkqubo womgaqo-nkqubo wezokwehlukana zisetyenziswa ngokutsha. Iimali zinyuka, kwaye imali iyagqithwa. Unokucinga ukuba indlela engavandekanga ngayo ngaba ngabavoti. Ngaloo ndlela, akukaze kusetyenziswe. Ngethamsanqa, umgaqo-mali we-contractionary usebenza kakuhle ekuthintela ukunyuka kwamaxabiso.

Izixhobo zoMgaqo-nkqubo wezeMali

Isixhobo sokuqala serhafu. Oko kufaka ingeniso, inzuzo eyinkunzi evela kutyalo-mali, impahla kunye nokuthengisa. Imirhumo inikezela ngengeniso ehlawulwa nguRhulumente. Umxhesho weerhafu kukuba naliphi na umntu ohlawuliswayo unentlawulo engaphantsi kokuchitha imali. Oku kwenza irhafu ingavumi.

Isixhobo sesibini kukusetyenziswa kwekarhulumente.

Oku kuquka iinkxaso , ukuhlawulwa kweentlawulo kuquka iinkqubo zentlalontle, iiprojekthi zomsebenzi karhulumente kunye nemivuzo karhulumente. Nabani na owamkelayo imali enemali yokuchitha. Oku kwandisa imfuno kunye nokukhula koqoqosho.

Urhulumente wephondo ulahlekelwa amandla akhe okusebenzisa umgaqo-nkqubo wezemali . Unyaka ngamnye, uhlahlo lwabiwo-mali luya kufuneka luye kwiiprogram ezigunyazisiweyo. Njengabantu abadala, iindleko ze-Medicare, Medicaid, kunye noKhuseleko loLuntu zikhulayo. Ukutshintsha uhlahlo lwabiwo-mali olufunekayo ludinga uMthetho weCongress kwaye kuthatha ixesha elide. Enye yeyona nto yayiyi- American Recovery and Economic stimulus Act , iCongress yadlula ngokukhawuleza. Kungenxa yokuba ama-legislators ayazi ukuba kufuneka ayeke ukunyuka kweyona nto ephezulu kunako ukususela kwi- Depression Great .

Umgaqo-nkqubo wezeMali kunye noMgaqo-mali weMali

Umgaqo-mali wemali xa i- bhanki enkulu yesizwe itshintsha utshintsho lwemali.

Iyakwandisa ngomgaqo-mali wongeziweyo kwaye iyanciphisa umgaqo-nkqubo wezimali. Unamathuluzi amaninzi angayisebenzisa, kodwa ngokuyinhloko ithembela ekukhuliseni okanye ekunciphiseni izinga lokuxhaswa kwemali . Ezi ziphumo zeebenchmark zikhokela zonke ezinye iirhafu . Xa ixabiso lentengo liphezulu, izivumelwano zonikezelo lweemali, uqoqosho luyacima, kwaye ukunyuka kwamaxabiso kuyathintelwa. Xa ixabiso lentengo liphantsi, ukunikezelwa kwemali kukhula, uqoqosho luyatshisa, kwaye ukunyuka kwemali kudlalwa.

Umgaqo-nkqubo wezemali usebenza ngokukhawuleza kunomgaqo-nkqubo wezemali. I-Fed iyakwazi ukuvota ukuphakamisa okanye ukunciphisa ixabiso kwiintlanganiso zeKomiti yeeNkundla zeMarhwebo eziValwayo . Kungathatha malunga neenyanga ezintandathu kwiimpembelelo zezinga le-percolate kuwo wonke uqoqosho.

Uhlahlo lohlahlo lwabiwo-mali

I-Congress ichaza iiprojekti ze-US eziphambili kumgaqo-mali wonyaka- mali . Kude, inxalenye enkulu yenkcitho yebhajethi iyimfuneko, oko kuthetha ukuba imithetho ekhoyo ifuna ukuba ingakanani iyakuchithwa. Uninzi lwale lukhuseleko lwezeNtlalo, i-Medicare, kunye neenkqubo zokulungela iMedicaid.

Inxalenye eseleyo yokuchitha ingqalelo. Ingaphezulu kwesiqingatha salokhu kuya kumela. Umgaqo-nkqubo wezemali wangoku udale iqela elikhulu lamatyala ase-US .