Kuyini wenzuzo ithinta indlela ukuphila emphakathini?

Impendulo yombuzo yalokho izinga lokwehla kwamandla emali kuyadida. Ngokuvamile, ukuthandwa okwandayo kwale ezingeni intengo, kodwa akusho lokho ngempela zonke. Amanani kwabanye izimpahla noma amasevisi angase angasebenzi ukwandisa, kuyilapho abanye bahlale cishe enjalo. Lokho kwakusho i ukwanda isilinganiso kwamanani. Kungase kube ngenye indlela ukuze kubhekiselwe endaweni eyikhaya yini izinga lokwehla kwamandla emali - a Ukwehla kwezinga labantu izindleko imali, okusho ukuthi, phezu inani elifanayo lemali ungakwazi ukuthenga abambalwa kakhulu kwezimpahla ezidingekayo futhi azuze ezinkonzweni. Ngakho, kukhona olwenzeka ngokweqile imali eyeqa izidingo inzuzo.

Kuyini izinga lokwehla kwamandla emali?

Izinga lokwehla kwamandla emali kungenziwa ezilingene (amanani kwezimpahla ezahlukene musa ukushintsha isihlobo komunye nomunye) futhi ongenakulinganisela (amanye amanani basukume kakhudlwana kunabanye). Imbangela emali odingeka ngokweqile (baningi izinga lokwehla kwamandla emali - iyona ngokweqile imali nge okukhawulelwe kwezimpahla) futhi umusho (lapho amanani basukume ngenxa nokukhuphuka kwezindleko zokukhiqiza). Ngakho, noma iyiphi ukungalingani phakathi ukunikezela funa etholakalayo kuholela ukwehla kwamandla emali.
Kuye izinga lokukhula emali ukuhlukanisa lezi zinhlobo ezilandelayo:

• Crawling (esiphakathi nendawo) inani elilinganiselwe ukukhula kuya ku-10% ngonyaka. Lena izinga lokwehla kwamandla emali evamile, lokho kusho umnotho, ake sicabangele kafushane. A ukwanda kancane inani lemali kwandisa solvency, okwenza inzalo ephansi yesikweleti, kuvusa ukukhula zokukhiqiza, sente busha oyiyo, anda utshalomali. Ngakwelinye ihlangothi, ngekukhula ukukhiqizwa sivuselela ibhalansi phakathi isisindo ubhasikidi izimpahla nemali, kodwa ezingeni intengo ephakeme.
• Agijima izinga lokwehla kwamandla emali - ukwanda amanani kufike ku-50%. Uyingozi umnotho wezwe. Kulesi simo, nohulumeni wezwe kumelwe athathe esiphuthumayo anti-nokukhuphuka kwamanani ezimpahla izinyathelo.
• Ayehle kakhulu amandla emali - i yezinkanyezi intengo ukukhula u-100% ngenyanga. Okukhwantabalisayo emnothweni futhi liholela kulesi imfuyo nasekuhwebeni. Isici isikhathi ukuguqulwa wamavukelambuso Isimo sezomnotho.
• Stagflation - ukwenyuka ephelezelwa yokujama tsi, ukwehla ekukhiqizeni.

Yini kuthinta nesenzakalo emali?

Kusukela impendulo yombuzo othi, yini emali, kusobala ukuthi kuphumela ukukhuphuka kancane umthamo jikelele kwezimpahla etholakala uhlelo supply imali. Nalapha futhi, inani lemali futhi ivolumu kwezimpahla abe "umlamuleli" - kusho izinga inzuzo ohlelweni. Lapho-ke ukwandisa inani nenqwaba impahla ayishintshi, imali supply iyakhula. Izinga lokwehla kwamandla emali kungabangela:

• kwencazelo ayitholwa amanani, ikakhulukazi eluhlaza izinto emakethe;
• ukusweleka zabasebenzi, ngenxa okuyinto angakhula inkokhelo;
• ekushayweni imali isimo;
• monopolization of zabasebenzi, okuholela ezingeni eliphakeme lomholo.

Indlela ukukala izinga lokwehla kwamandla emali?

Kuye injongo kokuhlaziywa ucwaningo ezingeni emali ukhiqiza ngezindlela ezihlukahlukene. Kala amakhodi: amanani abakhiqizi, izindleko zokuphilisa, amanani kwempahla. Funda futhi amandla wokuthenga we lwemali wezwe nokuthi siyashintsha Yiqiniso. Isilinganiso kwezindleko zamanje ngetinhlobo letibanti eqondile imikhiqizo izindleko kwesikhathi inkomba kunqunywa Paasche Inkomba.

Kodwa indlela ezivamile sokunquma izinga lokwehla kwamandla emali - index intengo ukusetshenziswa, uma kuqhathaniswa nenani lesikhathi isizinda.

Kanjani nokukhuphuka kwamanani ezimpahla kuthinta izinga lokuphila?

Uma ezingeni intengo idlula ukwanda ekwandeni amalungu okuzisholo imali emphakathini, khona-ke encishisiwe imali yangempela sabantu, okuyinto kunqunywa engenayo atholwe izimpahla nezinkonzo. Ngaphezu kwakho konke, kulesi simo kuthinta abantu abahola fixed: impesheni kanye nabasebenzi bakahulumeni.

Ngakho, kungenzeka ukunikeza incazelo ehlukile lokho izinga lokwehla kwamandla emali - a ukuhanjiswa imali emphakathini.