Izwe lezimali zokutshalwa kwezimali eSpain liyaqhubeka nokuguquka. Ngenkathi i-Ibex 35 ifinyelela amazinga aphezulu amasha, abaphathi bezimpahla kanye namapulatifomu bancintisana ngokunikeza imikhiqizo eyinkimbinkimbi kakhulu. Kulesi simo, i-CaixaBank ithathe isinyathelo esiqhubekayo esigabeni sezimpahla ezihlukile , futhi abatshalizimali babonisa intshisekelo ecacile ezikhwameni zasekhaya, ikakhulukazi lezo ezigxile enanini.
Ngesikhathi esifanayo, ukukhetha ipulatifomu efanele sekuyinto ebalulekile, njengoba izimali zinganciphisa kakhulu imbuyiselo yokugcina . Ukuhlaziya izinketho ezahlukahlukene ezitholakalayo kwembula umehluko omkhulu ezindleleni, ububanzi bomkhiqizo, kanye nezinsizakalo, okwenza kube kubalulekile ukuthi abatshalizimali babe nolwazi oluhle ngaphambi kokubhalisa.
I-CaixaBank ibheja ezimpahleni ezihlukile
Ibhange liqinise ukuba khona kwalo esigabeni sezimpahla ezihlukile, okuyindawo ekhula kakhulu phakathi kwabatshalizimali. I-CaixaBank, esevele ineplatifomu ebanzi yesikhwama futhi imikhiqizo yayo evame ukubuzwa , ithathe elinye igxathu kule ndawo, ngokuhambisana nomkhuba wemakethe wokufuna imithombo emisha yenzuzo kanye nokwehlukanisa amaphothifoliyo okutshalwa kwezimali . Lokhu kugxila ezimakethe ezizimele kanye nengqalasizinda kusabela esidingweni sezixazululo zokutshalwa kwezimali zesikhathi eside.
Inani lokuphathwa okusebenzayo kanye nesithakazelo ezikhwameni zenani
Phakathi kwezikhwama zamasheya zaseSpain , izikhwama zenani eziphethwe ngenkuthalo zidonsela ukunaka okukhulu. Abaphathi abanjengoMagallanes, Cobas, kanye noHoros bavela ngokuphindaphindiwe ohlwini lwezikhwama ezibukwa kakhulu futhi eziqhathaniswa kakhulu , okubonisa ukukhetha kwabatshalizimali ngamasu afuna izinkampani ezinganakwa kakhulu ezinethuba lokukhula isikhathi eside. Lesi sithakazelo asigcini nje emasheya asekhaya: amasu enani kanye nekhwalithi nawo ayachuma emakethe yezikhwama zomhlaba wonke.
Amakhomishini kanye nezigaba ezihlanzekile: isici esihlukanisayo
Esinye sezici ezinethonya elikhulu ekubuyiselweni kwemali engenayo yesikhwama yizimali. Emakethe yaseSpain, amapulatifomu asebenzisa amamodeli ahlukene: amanye akhokhisa imali yokugcina imali, amanye awakhokhisi, kanti amanye anikeza ukufinyelela kumakilasi amasheya ahlanzekile aqeda ukubuyela emuva. Umehluko ungaba mkhulu, ikakhulukazi kumaphothifoliyo amakhulu . Ngakho-ke, abatshalizimali abanolwazi oluningi banaka kakhulu lesi sici lapho bekhetha ukuthi bazotshala kuphi ezikhwameni zabo.
Isimo sesikhwama sokutshala imali eSpain sinikeza izinketho eziningi, kusukela emikhiqizweni yezimpahla ezintsha kuya ezikhwameni zamasheya ezinembuyiselo eqinile. Isihluthulelo sabatshalizimali ukwaziswa, ukuqhathanisa, nokukhetha inhlanganisela efanelana kahle nezinhloso zabo kanye nephrofayili yengozi, bekhumbula njalo ukuthi ukusebenza kwesikhathi esidlule akusona isiqinisekiso semiphumela yesikhathi esizayo.
