Yintoni ebangela ixabiso eliphezulu lexabiso lemali?

Ukuqonda amandla okuqhuba emva kwezinga eliphezulu lokunyuka kwamaxabiso

Nangona ininzi imikhosi echaphazela ukunyuka kwamaxabiso ingaba yinkimbinkimbi, kwinqanaba eliphakamileyo, kubakho abaqhubi abambalwa abaziintloko. Ixabiso lemali linokuchaphazela intlawulo ohlawula ngayo i-gallon yobisi kunye nentlawulo ohlawula ngayo isabelo saso sonke. Kubalulekile ukuqonda oko kubangele ukunyuka kwamaxabiso emali kuba kungabangela ingozi enkulu ekuhambeni kwakho ekuzimeleyo kwemali . Kwiimeko ezigqithiseleyo, kunokukugcina ekuphumeni kwenduduzo kwaye kwanefuthe ukukwazi ukuhlangabezana neendleko zakho zokuphila kwansuku zonke.

Ukufuna, ukuThengiswa, kunye neNkokeli

Kwiimeko ezininzi, kwaye kumazwe amaninzi kumaxesha amaninzi, abaqhubi ababini abakhulu bezinga eliphezulu eliphezulu lokunyuka kwamaxabiso kubonakala kwizoqoqosho.

Okokuqala, ukunyuka kwexabiso eliphezulu kunokubangelwa ukwanda kweemfuno zeempahla ezinxulumene nokubonelela. Xa abantu abaninzi balwa nempahla embalwa, ixabiso liya kwanda. Kunjalo nje ngelizwe lonke njengoko kusemotweni kwi-eBay. Ixabiso lokunyuka kwamaxabiso liye landa, ngokukodwa, kuba amazwe afana neChina ne-Indiya, ayengenazo izityalo ezimbalwa kwizizukulwana ezimbalwa ezedlule, zigidi zabantu zizimisele ukungena kumgangatho ophakathi kwiminyaka ezayo.

Oko kuthetha ukuba ukunikezelwa kwezinto zobhedu behlabathi, isilivere, igolide kunye nezinye izinto eziza kubakho, ziza kubanjelwa iqela elikhulu kakhulu labathengi, ukunyuka kwamaxabiso. Kwixesha elidlulileyo, iintlanga ezimbalwa ezikhuphisayo, njenge-United States, eCanada, e-Australia, e-Great Britain, eJamani, eFransi, e-Itali, e-Russia, njl.

bebodwa emdlalweni xa bekufuneka ioli okanye ezinye izinto. Eli xesha lidlule. Oku kuthetha ukuba ezo zinto ziza kuxhomekeka kwiimfuno ezivela kula mazwe ukuze ukuhla kwehlisa kunokuba nemiphumo ebanzi.

Imali njengomqhubi

Amanye amazwe afumana ukunyuka kwamaxabiso aphezulu ngenxa yokuhla kwexabiso lentengo nganye ekhoyo ebizwa ngokuba yimali.

Ngamanye amaxesha kubangelwa nguRhulumente othembisa iinjongo ezingaphezulu kunokuba angakwazi ukuhambisa kunye nokwandisa imali yokunikezela ngemali, okanye "ukunyathelisa imali" (nangona, le mihla, phantse ukukhokhiswa kwamakhompyutha kunye neengxowa-mali) kwimisebenzi eyahlukeneyo kunye nemisebenzi yezinto ezifana I-Federal Reserve kunye neSebe lezeMali.

Njengoko iidola ezingaphezulu ziphanga iimpahla ezimbalwa, ixabiso lokutyunjwa lezo zinto liphakama. Ukuba uthisha wesikolo unokufumana ngokukhawuleza i-150,000 $ ngonyaka emva kokunyuka kwamaxabiso, uya kukwazi ukungena kumthengisi waseMercedes aze athenge imoto. Nangona kunjalo, ukuveliswa kweMercedes kuncitshiswa ngenxa yokuba inkampani inokuvelisa kuphela inani elinqalileyo leemoto eziphakamileyo ngonyaka, kwaye kuthatha ixesha lokuvelisa ukunyuka kwizinga elitsha lemfuno.

Njengoko imali eninzi ikhukula umnotho, ingeniso enxulumene neentlobo ezahlukeneyo zengqesho ayinakushintsha, ngoko ke amagqwetha enza i-$ 100,000 ngaphambi kokunyuka kwamaxabiso angenza i $ 300,000 emva koko.

Oko kuthetha ukuba ootitshala abayi kuba nako ukukhuphisana namagosa nangona emva kokuba imali yabo yokuqeshisa ingeniswe, kwaye ixabiso leemoto zeMercedes ziphindwe kabini okanye ziphindwe kabili, zibeka ngaphandle ukufikelela kootitshala kwakhona. Oko kukuthi, amanani kwiitaki zintengo ziguquka kodwa amandla okuthenga athile abemi ngabanye ahlala efana.

Utitshala akanako ukufumana imoto kodwa igqwetha liya. Abantu ababuhlungu kukuba banabo abanemali- mboleko enkulu kunye neminye imivuzo engenayo engenalo uhlobo lokukhuselwa kwamanani emali.

Esiqhwitheni esipheleleyo sentlekele yezoqoqosho, uhlanga luyakwazi ukujongana nazo zombini kwezi zinto ngexesha elifanayo nangendlela enentsingiselo. Oku kuya kubakho kwizinto ezibalulekileyo zemali ezibizwa ngokuba yi-hyperinflation, okuyi-inflation kwi-steroids.

Ngokwexabiso elikhulu, i-Germany yafumana emva kweMfazwe Yehlabathi I, kukho amabali abafazi abadibana nabayeni kwamasango emveliso ngexesha lokutya kwamasemini ukuze bafumane iintlawulo ukuze bahambe bachithe imali ngaphambi kokuba bangabi nantoni kamva ngaloo mini. Abantu bawadonga amakhaya abo ngemali ngenxa yokuba wawunobungakanani bokuba ubuhle bawo bobuhle ngaphezu kweendlela zokutshintsha izinto kunye neenkonzo.

Ukulinda kwiNqanaba eliPhakamileyo loMyinge

Enye yezinyathelo ezibalulekileyo ilizwe elithathayo ukukhusela ekunyuseni kwamanani emali ukugcina imali ezinzile. Oku kuninzi, oku kufezwe lizwe eliphila ngaphakathi kwendlela kwaye ligcine uhlahlo lwabiwo-mali, ukuze ilizwe lingasebenzi.

Uhlahlo lwabiwo-mali olufanelekileyo lufanele lube nolungelelwaniso kwimigangatho yezoqoqosho kwaye kungekhona ngokunyaka-nyaka, okwenza ukuba ithemba linzima. Ngokomzekelo, ukuba uqoqosho luyanqamuka, ufuna ukuba urhulumente akwazi ukukhupha isidingo kunye nokunciphisa uxinzelelo lwezemali ngokuphuhliswa kwemali eyenzelwe ukukhawulwa kwemali. Ngakolunye uhlangothi, xa amaxesha amnandi, ufuna ukuba urhulumente ahlawule imali abayiboleke ngaphambili, ukuvumela ukuphumelela kwexesha ukuhlawula ithebhu eyabhalwa xa izinto zinegazi.