Kodi n'chiyani chidzachitikire ngongole ndi vuto la kusakhulupirika? Zotsatira za kusakhulupirika

Funso la chimene chidzachitikira ngongole ndi vuto la kusakhulupirika, chidwi chiwerengero mokwanira lalikulu la anthu, ndi chifukwa chachikulu kuti - ndi wosakhazikika dziko chuma. Lingaliro la "kusakhulupirika" amagwirizana ndi chaka 1998, osati chuma, komanso anthu wamba. Mu Maulendo Ake pops kugwa kwa ruble ndi maalumali kanthu m'masitolo, queues yaitali chakudya. Pa siteji dziko pa zaka 20 zapitazi, chodabwitsa ndi anakumana kuwonjezera Russia ngakhale mayiko atatu: Mexico, Argentina ndi Uruguay.

ndi "kusakhulupirika" mwa maso a chuma chiyani?

M'lingaliro loona mawu kusakhulupirika imatengedwa kuti ndi kukana kwathunthu kwa chinthu chilichonse kulipira udindo wake. M'mawu ena, pa mlingo boma, dziko mwalamulo watero kuti alibe ndalama kulipira ngongole. Pali kusinthidwa luso chodabwitsa lapansi. Ndipotu chinthu sangathe kulipira ngongole, koma mawu nduna za izo, iye sali. Pali makampani ngakhale munthu zinthu mtundu. Zotsatira za kusakhulupirika akuti ndi chodabwitsa negative. Komabe, ngati aliyense ndalama, zinthu pali mbali positive. Pa dzanja limodzi, mukhoza kuona kugwa ndi chiwonongeko chotheratu ubale onse akunja a mtundu ndalama, ndi pa zina - ndi mwayi wapadera kuyamba mbiri ya boma ya chitukuko ya slate woyera, popanda kulakwitsa chilichonse ndipo musanyalanyaze.

Kodi chimachitika pamene boma akukana kubweza ngongoleyo?

chokana boma ngongoleyo zimakhudza mbiri yake komanso akusokoneza kungasokoneze pa mlingo ndalama. Limatchula za chuma masiku ano mchitidwe pobwereka pafupifupi dziko lililonse kuti kuonjezera ndalama kapena kulowererana "mabowo" mu bajeti. padziko lonse ngongole msika amapereka kukana ufulu ndalama m'dziko limene ali ndi makhalidwe oipa. Ngongole imeneyi ndi zotheka pa makonzedwe a chitetezo yoyenera. Dziko ndi zonse zinatha pafupifupi mwathunthu kutaya inshuwalansi ndalama.

Kugwa kwa ndalama national

Ambiri mwa zotsatira za kusakhulupirika chifukwa depreciation zakuthwa ndalama dziko. Mtengo wa ndalama zimatengera pa mlingo chidaliro cha boma. Kuchepetsa mitengo pa ndalama national kumabweretsa zoletsa mwayi dziko mkati msika lonse. boma amasandulika "osauka" ndi mayiko ena. Makamaka, kuchepa mtengo wa ndalama katatu chifukwa mu kuchepetsa voliyumu ya kugula ndi yofanana. An kupanga gawo underdeveloped kungayambitse kuchepa kwa zakudya mu dziko. Mu yomweyi, pali akuponya ndalama ya anthu ndi kuchepetsa miyezo ya moyo. ntchito kampani, potengera zomwe pali chigawo mayiko (hardware, ndalama) amakhala opanda phindu. Kuchepetsa chiwerengero cha ntchito akutitsogolera kuti kuwonongeka ambiri a zinthu mu dziko.

Kachitidwe banki ndi ndondomeko

Poona funso la chimene zikutanthauza kusakhulupirika, ndi Dziwani zachilengedwe zoipa mu gawo la kubanki. State chuma ndi zatha. Amapezerapo mwayi Kuyamikira yachilendo kutha, ngongole limakula. Bankirapuse mabungwe azachuma amakhala mosalephera. Aliyense kasitomala banki wotaya ndalama, monga nkhani onse zii. Chifukwa chakuti kuyendetsa bwino chuma sizingatheke popanda makampani kupereka ngongole, zamalonda m'dziko mabasi. Kutenga ngongole kubanki kuli kovuta, kuyambira otsiriza ali kwambiri womangika malire a ndalama. Chifukwa cha kusakhulupirirana mu chuma ku dziko amachepetsa mlingo kukhulupirira andale. The njira ya zofunika zachuma pa mlingo lonse, zambiri zovuta.

Kodi wabwino ndi kusakhulupirika?

Pamene mavuto zikachitika, ndi kusakhulupirika amphamvu ndi - zimenezi zimasonyeza kuti dziko chapeza kuchuluka yaikulu ndalama pa ngongole ndipo tsopano simungathe ngakhale chidwi pa izo. Pa chigamulo cha ntchito yoyendetsa boma ndalama zokwanira, kotero chochuluka bajeti amapita ku mathandizidwe ngongole. Pamene dziko akapanda thandizo kunja, izo limafotokoza pa yankho la mavuto mkati poyamba gawo unfunded kulandira thandizo la ndalama. Maganizo a akatswiri amavomereza kuti, chifukwa mlingo kusakhulupirika kwa mpikisano wa za cuma ndi kupanga zoweta kuchuluka kwambiri. Popeza malipiro ndi kugula katundu ikuchitika ndalama depreciated, pali kuchepetsa mtengo wa katundu ndiponso makasitomala akunja. Kugwa mitengo katundu kumabweretsa mapangidwe a anthu, akuchuluka mu dongosolo kuchuluka kwa yambitsa kale "matalala" ubongo.

kusintha wathunthu

Zimachitika kuti pa nthawi ya kusakhulupirika akhoza zopezera osati ngongole kubanki pa pakafukufuku chidwi, monga mabanki kuyesa kukopa makasitomala mwa zonse zilipo, chodabwitsa amatsogolera kuukira wonse chuma dziko. Kudzipatula kwa ndalama zakunja ndi matanthauzo amatsogolera m'dziko latsopano, otetezeka muyezo wa amoyo. Khalani zofala mowa zoweta ndi magwero a ndalama. Kugwa kwa chuma amakankhira msika akukokomeza za gawo zachuma. Chodabwitsa pamene kampani magawo ndi dongosolo la udzakwaniritsidwa kuposa mtengo weniweni, inathetsedwa kwathunthu. Phindu mtengo anapeza weniweni. Inathetsedwa imbalances zonse ndalama.

kuchepetsa ngongole

Anthu ambiri amadabwa zimene zidzachitikira ngongole ndi vuto la zotsatira. Palibe choipa chomwe chingachitike. Ngati tikambirana zinthu pa mlingo dziko, dziko likulowa mwayi wapadera ndi zifukwa zabwino kuyamba zokambirana pa kukonzanso ndi ngongole kuchepetsa. Obwereketsa, kuzindikira ndi mumayesto chithunzi cha zimene zikuchitika, nthawi zambiri asintha mwayi kuti abwerere ndalama amangoika kulibeko. Tikhoza kunena kuti kusakhulupirika - ichi ndi mwayi wawukulu m'dziko atengere chitsanzo chake ndalama zimene zimachitika Masiku ano.

Kodi n'chiyani chidzachitikire ngongole ndi vuto la kusakhulupirika ndi amene sangathe ngakhale kuwerenga?

anthu ambiri amangowerenga osamvetsetsa zimene kusakhulupirika - ndi mwayi kuti ngongole ku banki. State mwalamulo ananena kulephera kubweza ngongoleyo, si chifukwa chokana ya malipiro a arrears mabungwe a zachuma. Borrowers, ngakhale zinthu pa dziko, ndi kuti akuyenera kupitiriza kuchita ntchito zawo ku banki. Komanso, aliyense wophwanya mgwirizano kapena kuchedwa osachepera adzalangidwa choopsa kwambiri. Izo zikutanthauza, amene chikalata madzulo a borrowers, ndi mulandu inshuwalansi khushoni banki ndi ndalama nthawi ya mavuto. Ngati nyengo ya chitukuko khola la chuma anali limodzi ndi kuchedwa kwa foni yosavuta machenjezo banki ofikira adzakhala mosamalitsa amafuna kasitomala kugwiritsa kudzipereka kwake kwa achire thandizo.

Kodi kuchita kuti borrowers?

Chiwerengero cha anthu amene ali ogwiritsa ngongole, ndi wamkulu mokwanira. Common wochita, pamene mabanja kunyamula ambiri a zachuma pamene mlingo ndalama ndi zochepa kwambiri kusiyana ndi ngongole alipo. Ndi khola kwambiri kutukula katundu ngongole dziko kotero akadali anakhalabe, koma kugwa zoopsa za ndalama, zakhala lolemera kwambiri katundu. Vuto chinthu chachikulu - osati kuzengereza ndalama, ndi kudikira kuti nyengo nyanja. Iwo ayenera yomweyo kulankhula ndi bungwe ndalama kupempha pa kukongoza kapena kukonzanso. Zochitika zasonyeza kuti mabungwe a zachuma asintha, monga nkhaniyi obwereketsa kunja kwa mgwirizano wawo kusintha ndi mwayi okha kuti apulumuke. Ndi chifukwa kubwerera kwa chuma amangawa simungathe kuchita wosamalira depositors kuti mupewe msika chuma, kusunga chilolezo ndi kupewa liquidation.

Kodi ndi chiyani sanayenerere mabanki?

Poona funso la chimene chidzachitikira ngongole ndi vuto la kusakhulupirika, si koyenera kuyembekezera kuti mabanki adzakhala tiwakhululukira amangawa awo onse. M'malo mwake, mitsuko umalimbana adzabwerenso mangawa, kukhalabe olimba kwambiri. Borrowers ayenera kudziwa kuti palibe bungwe ndalama alibe ufulu kuphwanya mfundo za mgwirizano. Ngongole kusakhulupirika, monga kubweza kapena galimoto ngongole sizingasinthidwe. The Bank iribe ulamuliro kusintha zikhalidwe za mgwirizano ndi kuwonjezeka mu malipiro chidwi. Zosiyana mwina vuto kumene zinthu deta yake zolemba pa mgwirizano. Ngati wobwereka poyerekezera ndi miyeso oletsedwa anatengedwa kapena kwa malipiro chofunika pa mlingo wapamwamba chidwi, iye akhoza kuzigwiritsa ntchito amadandaula kuti utumiki ogula. mfundo Data pa kusakhulupirika kulamulidwa ndi boma makamaka zovuta.

Kodi ngongole wamba anapatsidwa kusakhulupirika, ndi zomwe ziri kwambiri mabvuto?

Popeza anachitira ndi funso zimene likuoneka dziko Sanapezeke, ndi anthu ayenera kukhala pa munda, ponena za kupezeka kwa ngongole. Kusowa ndalama m'dziko ambiri a mabungwe a zachuma sizipanga n'zosatheka kupeza ngongole. Chinthu china - ndi zinthu pang'ono phindu lomwe chabe kuvomereza. M'nthawi bankirapuse pafupifupi misinkhu yonse mu dziko la ngongole ogula akhoza kuiwalika. A ochepa ntchito ndalama pa mavuto sanali kupulumutsa mabanki, iwo basi osati angalepheretse kuchuluka defaults. Poona funso mmene ofikira adzakhala zimaonekera Kuyamikira tikhoza kulankhula za popularization a m'madera monga kukongoza mofulumira. Iwo amakhala ndi dziwe mokwanira lalikulu la chuma, kuyambira mlingo pafupifupi chidwi pa mankhwala banki ndi pafupifupi 50%. Mkulu chiwongola dzanja ndi kulipidwa ndi mamangidwe mophweka dera la ngongole ndi phukusi osachepera zikalata. mabungwe Financial kuti kupereka mtundu wa ngongole kuti athe mosavuta kupulumuka 20% wa sanali alipire ndalama. Tikakumana ndi mavuto, ndi bwino kupewa processing ngongoleyo, kotero gombe n'zokayikitsa kupereka zinthu zabwino kwa mgwirizano. Pambuyo mavutowo zidzachoka, adzakhala ndi kubweza ngongole pa zinthu yapita, amene adzatchedwa zomveka ndi mabvuto kwambiri.