Isimo sezezimali somhlaba wonke sibhekene noshintsho olukhulu olubeke izinsimbi eziyigugu endaweni egqamile. Naphezu kokuguquguquka kwamuva kwentengo yempahla, iqiniso liwukuthi izikhungo zezimali ezinkulu kakhulu emhlabeni ziqoqa igolide ngesilinganiso esingabonakali amashumi eminyaka. Lokhu akuyona nje isinyathelo sokuqagela sokuzuza ngokunyuka kwentengo yesikhashana, kodwa kunalokho isu lesikhathi eside elihlose ukuvikela umnotho kazwelonke ezinseleleni zomhlaba wonke ezingaba khona.
Lo mkhuba usekelwa idatha ethokozisayo ekhombisa ukuthi abaphathi bezindawo zokugcina imali, ngokwesiko abaqaphile kakhulu, bashintsha kanjani indlela yabo yokwenza izinto. Ngokusho kwemibiko yakamuva yemboni, ukuthembela egolideni njengendawo ephephile kukhule nje, kulibeka njengenketho ekhethwayo uma kuqhathaniswa nezimali zendabuko, ezibonakala sengathi zilahlekelwe ukukhazimula kwazo kwangaphambilini. Kulesi simo, iYurophu idlala indima ebalulekile, hhayi nje kuphela ngokuthenga igolide elengeziwe kodwa futhi nokuletha ekhaya lokho eyayikugcine kwamanye amazwe ukuze igweme izimanga ezingathandeki.
Ushintsho olungakaze lubonwe lwesu ezinqolobaneni zomhlaba wonke
Uma sibheka emuva, sibona ukuthi eminyakeni emine edlule, isilinganiso sokuthenga sihlale singu-1.000 amathani ngonyaka, siphinde kabili isilinganiso sokuthengwa kwempahla seminyaka eyishumi edlule. Okumangazayo kakhulu ukuthi lesi sifiso asibonakali sanelisiwe, njengoba cishe ingxenye yamabhange amakhulu ahlolwe avuma ukuthi anezinhlelo zokuqhubeka nokuqinisa izimali zawo ezigciniwe. Kuyisibonakaliso esibonakalayo: lapho labo abaphatha imali ngezinga elikhulu benquma ukutshala imali eningi kangaka kokuthile, ngokuqinisekile kukhona into engaqondakali eyenzekayo.
Izizathu ezinikezwe yilezi zinhlangano ziyahlukahluka, kodwa zonke ziyavuma ukuthi igolide liyisivikelo esingcono kakhulu lapho izinto ziba nzima emnothweni. Indima yalo njengomthombo wokushintshashintsha, futhi ngaphezu kwakho konke, njengothango olungenaphutha lokulwa nokwehla kwamandla emali kanye nezinkinga zezwe, liyibeka ngaphezu kwanoma iyiphi enye impahla. Kwabaningi bezomnotho abasafufusa, okubaluleke kakhulu njengamanje ukuzivikela ekungazinzini okubangelwa yizingxabano zamanje, okudlule ngisho nokukhathazeka ngezindleko zokuphila ezikhuphukayo ezisibangele izinkinga eziningi muva nje.
Ngaphezu kwalokho, iqiniso lokuthi igolide alincikile ekuqineni kwanoma yimuphi uhulumeni liyinika ithuba eliyingqayizivele lokuncintisana. Nakuba imali ye-fiat ingalahlekelwa yinani ngenxa yezinqumo zezepolitiki noma isikweletu esingalawulwa, insimbi igcina ingqikithi yayo. Ngenxa yalesi sizathu, ochwepheshe abangu-89% balindele ukuthi izimali ezigciniwe zomhlaba wonke ziqhubeke nokuthambekela kwazo okukhuphukayo ngonyaka ozayo, okuhlanganisa ushintsho olubonakalayo ekuphathweni kwempahla yomphakathi olubonakala lukhona.
Ukubuyiselwa kwegolide: IYurophu ifuna ukulawula okuphelele
Enye yezinguquko ezikhulunywa kakhulu ngazo emigwaqweni yezikhungo zezimali zaseYurophu yisinqumo sokubuyisa igolide eliyigugu ekhaya. Ngokwesiko, amazwe amaningi ayegcina igolide lawo emadolobheni afana neLondon noma iNew York ngezizathu zokuthutha kanye nokuthengwa kwezimpahla, kodwa lokho kuyashintsha. IFrance ibilokhu ingenye yamazwe akhuthele kakhulu kulokhu, iqeda izinhlelo zokugcina yonke imali yayo egciniwe ezweni lonke, ngemuva kokuthutha inani elikhulu elaliphethwe yi-US Federal Reserve ngaphambilini.
Lesi sinqumo asisona ngengozi futhi sivela ekwesabeni okuyisisekelo kokuthi izimpahla ezigcinwe kwamanye amazwe zingavalwa uma kwenzeka kuba nokungqubuzana kwezombusazwe, into eseyenzekile kakade kwamanye amazwe eminyakeni yamuva. Ngokugcina igolide ngokoqobo ezindaweni zawo zokugcina impahla, amabhange amakhulu aqinisekisa ukufinyelela ngokushesha ezinsizeni zawo ngaphandle kokuthembela entandweni yabantu besithathu. Endabeni yaseFrance, lo msebenzi waze waba nenzuzo ngokwezimali, usebenzisa umehluko wamanani phakathi kwezimakethe ukuze ukhiqize inzuzo eyengeziwe ngenkathi uqinisa ubukhosi bawo.
Ezinye izizwe, njengeNdiya, zilandele izinyathelo ezifanayo, zanciphisa kakhulu iphesenti legolide eligcinwe ngaphandle kwemingcele yazo. Lokhu kuphishekela ukuphepha ngokomzimba kubonisa ukungathembi okukhula kohlelo lokugcina impahla lwamazwe ngamazwe. Ekugcineni, abaphathi bezindawo zokugcina impahla bakhetha ukuthula kwengqondo kokuthi izingongolo zabo zegolide zigcinwe ngokuphephile ezindaweni zabo zokugcina impahla, okususa ngokushesha ingozi yokulingana yendawo eyake yamukelwa njengento evamile.
Umzabalazo phakathi kwezinsimbi eziyigugu nokubusa kwedola
IBhange Elikhulu laseYurophu lisanda kuvuma ukuthi indima yegolide iya ngokuya ibaluleke kakhulu ohlelweni lwezimali lwamazwe ngamazwe, manje olumelela u-27% wezimali ezigciniwe ezisemthethweni. Lesi sibalo sibaluleke kakhulu ngoba sidlula isisindo sezibopho ze-US Treasury , ebezilokhu ziyimpahla ephephe kakhulu ngokomlando. I-euro nayo isabalulekile, kodwa umkhuba ocacile ukuthi amabhange amakhulu afuna ukunciphisa ukuthembela kwawo edoleni laseMelika ukuze agweme ukudalulwa ezinqumweni zaseWashington.
Amabhange amathathu kwamane abikezela ukuthi ukubaluleka kwedola ezindaweni zokugcina zomhlaba kuzoncipha eminyakeni emihlanu ezayo. Esikhundleni salokho, igolide likulungele ukuba ngumzuzi omkhulu wale nqubo yokwehlukahluka. Akukhona ukuthi idola lizonyamalala ngobusuku obubodwa, kude nalo, kodwa lilahlekelwa yisimo salo esingathintwa njengemali yokugcina yodwa. Lesi simo sibonakala kakhulu emazweni afana neShayina, iPoland, neTurkey, ahamba phambili ekuthengeni okukhulu ukuze kulinganiswe isabelomali sawo.
Ngisho neBhange laseFrance lenze izinyathelo zobuqili, lithengisa ezinye zezinto elizitholele izimpahla zaseMelika ukuze liphinde litshale imali egolideni laseYurophu, okubonisa ukuthi isu lokusuka edoleni liyinto engokoqobo. Ukuhlanganiswa kwezimo zezimali eziwohlokayo emandleni amakhulu e-G7 kanye nokusetshenziswa kwezijeziso zezimali njengethuluzi lezepolitiki kudale indawo ekahle yokuzalela insimbi eyigugu ukuze iphinde ithole isikhundla sayo njengempahla egciniwe ethembekile nengathathi hlangothi emhlabeni.
Amasu okutshala imali alingisa abadlali abakhulu
Indlela esetshenziswa amabhange amakhulu ayihlukile kakhulu kweyanoma yimuphi umtshali-zimali ojwayelekile ofuna ukuvikela imali yakhe eyongiwe. Phela, ukuhlukanisa nokufuna izimpahla ezingahambisani njalo nemakethe yamasheya kuwumthetho wegolide kwezezimali. Kulabo abafuna ukulandela ezinyathelweni zalezi zikhungo, manje kunezinketho ezilula kakhulu ezifana [ezingacacile - mhlawumbe "izinga legolide" noma "izinga legolide"] , ezikuvumela ukuthi uphinde intengo yensimbi ngaphandle kokukhathazeka ngokuthi uzozigcina kuphi izingcezu noma ukuphepha kwekhaya lakho.
Kubalulekile ukuqonda ukuthi, nakuba igolide lingakhokhi izinzuzo noma inzalo, inani lalo lisekuntulekeni kwalo kanye nekhono lalo lokuhlala lizinzile ngisho noma ezinye izimpahla zezimali zibhekana nokwehla okukhulu. Abanye abahlaziyi babona ukulungiswa kwamanani kwamanje njengethuba elithakazelisayo lokungena emakethe ngaphambi kokuba kwenzeke ukuhlangana okusha okuqhutshwa yisidingo sezikhungo. Nakuba ama-cryptocurrencies kanye nobuhlakani bokwenziwa kungase kuthathe izihloko, igolide lihlala liyindawo ephephile engaphumi esitayeleni lapho izikhathi ziba nzima.
Ukutshalwa kwezimali okukhulu kwamabhange amakhulu egolide, kanye nokubuyiselwa kwezimali ezigciniwe ezweni laseYurophu nelezwe, kuqinisekisa ukuthi sibona ushintsho lwesakhiwo kwezezimali zomhlaba wonke. Le nsimbi ibonakale ingaphezu nje kwento eseleyo yesikhathi esidlule, iba ithuluzi lokuqinisekisa ukuzinza komnotho lapho kubhekene nokwehla kwenani lezimali zendabuko kanye nengozi yezwe. Njengoba cishe ingxenye yeziphathimandla zezimali zihlela ukuthenga okwengeziwe, ikusasa legolide libonakala lihlobene kakhulu kunanini ngaphambili nokuvikelwa kwengcebo yombuso kanye nokuzethemba kwemakethe yesikhathi eside.
