Inkcazo, imizekelo kunye neSicwangciso-mali sokuThathisa
Nazi izinto ezisemgangathweni ekuchaseni oko abatshali-mali kufuneka bazi xa amaxabiso awela.
Inkcazo yokuKhuselwa koMnotho
Ukuchaswa lixesha lezoqoqosho elichaza indawo yokunciphisa ixabiso lempahla kunye neenkonzo kwintlalo.
Akufanele kudideke kunye ne-disinflation (ukwehla kwinqanaba lokunyuka kwamaxabiso), ukuchaswa kungachazwa nangokunyuka kwamaxabiso emveliso kuba kwenzeka xa u-inflation ungaphantsi kwe-0%.
Ukuchaswa kunokuvela kwimigqaliselo, apho imfuno yempahla eninzi kunye neenkonzo zinciphisa kwaye ababoneleli bale mpahla kunye neenkonzo ezincitshiswayo ezincinci ukuncintisana nabarandi abancinci beerhafu. Kwiimeko ezigqithiseleyo, abathengi balibazise ukuthenga ngokulindela ukunyuka kwexabiso. Oku kunokukhokelela kwisiprofeto esizalisekisa sona samanani aphantsi.
Umzekelo osandul 'ukutshabalalisa kwenzeka ngokukhawuleza ngexesha le-"Great Recession" ka 2007-2008, apho izinga lokunyuka kwamaxabiso lawela ngaphantsi kwe-0%. Umzekelo ogqithiseleyo wokuchasana kwenzeka ngexesha leXhaphalo Olukhulu.
Ukuhlaselwa kweNtengiso kunye neendlela zokuHlaba
Ngethuba lexesha lokungcola, ixabiso le-asethi liwela kangangokuba ngokubanzi ufuna ukuphepha izinto ezifana nemali, igolide, i-real estate kunye namasheya. Oku kukuchasene nokunyuka kwamaxabiso apho ezo zinto zingabhejwa kakuhle.
Utyalo-mali olulungileyo ngexesha lokuchasana lunokubandakanya iimali ezigqithisiweyo, ngokukodwa iibhondi zexesha elide ngenxa yokuba ixabiso lentengo liwa (kwaye ixabiso lentengo linokuthi linyuka), kunye nemali ethile yamacandelo atyala imali kwiindawo ezikhuselekileyo, ezifana nokunyamekelwa kwempilo kunye nezinto ezisetyenziswayo-izinto abantu abazifuna kungakhathaliseki iimeko zezoqoqosho.
Ngokomzekelo, abantu basaya kugqirha baze bahlawule umrhumo wabo wombane xa uqoqosho kunye nemakethi ye-stock ephantsi.
Iimeko ezichasayo zingasakuba nzima kuma-investors, ukuba zincinci. Ixabiso lentengo ngokubanzi liwela kunye neenzuzo zenkampani kunye noqoqosho olusebenzayo kwi-Federal Reserve aluvumelekanga ukuba luvumele okanye luvumele ukuvulwa kwezinto ezichasayo ukugcina ixesha elide. Ngoko ke utyalo-mali oluthile olwenza kakuhle xa i-Fed iyanciphisa ixabiso lentengo ingenza kakuhle.
Iintlobo ezifanelekileyo zokutyalomali ngexesha lokuchasana zibandakanya iimali zebhanki zangexesha elide, iimali zenkxaso-mali ye -coupon kunye neengxowa-mali ze- stock exchange times . Iintlobo zotyalo-mali ezingenakusebenza kwixesha elichasayo, kunye nezinye izinto ezingaphezulu, zibandakanya iimali ezixabisekileyo zemali kunye nemali yemarike yemali.
Iingcebiso kunye Nezilumkiso Zokutshala imali
Kukho into ebalulekileyo yokuthengisa ixesha lokuthengisa imali ekukhetheni utyalo-mali olufanelekileyo ngexesha lokulindeleke ukuba libe yindawo echazayo yexesha elifutshane. Ukuzama ukuhamba ngeemarike kunye neemeko zoqoqosho kunye nezicwangciso zokutyalomali yindlela yokuthengisa ixesha elinomngcipheko omkhulu wokulahlekelwa ixabiso kwi-akhawunti yokutshala imali. Kuba abatyali-mali abaninzi, ukwakha iipotifoliyo ezahlukileyo zeemali ezizimeleyo kuyisicwangciso esihle kunazo zonke kuyo yonke imarike kunye nezoqoqosho.
Qaphela kwakhona: Imveliso , i- Hyperinflation , iStagflation , kunye ne-Reflation.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.