Ukungenelela kwemali

Ingcamango yemali

Ngaphambi kokutyhila ukuba "yongenelelo lwemali", kuyimfuneko ukucacisa loo mqondo wemali. Igama elithi "imali" livela kwi-"valuta" yesiNtaliyane, eguqulelwe kwisiRashiya njenge "xabiso, intengo". Imali - le yunithi yerhafu yelizwe elithile, elisungulwe ngumthetho. Kwakhona, imali iyaqondwa njengempawu zemali, iimali zokuhlawula kunye neentengo zamanye amazwe, ezisetyenziselwa ukuchithwa kwezoqoqosho nakwamanye amazwe.

Ngaphantsi kweemeko zokusasaza kwemali yensimbi , iimali zimelelwe ngegolide echitshintshisayo kwiprogram yesikolo-mali. Emva kokumisa inkqubo yokutshintshiselwa kwintsimbi exabisekileyo, iindleko zesizwe zaba "iphepha".

Ukungenelela kwemali

Ukungenelela kwemali yinkqubo yebhanki ekhuphayo ephakathi, okubandakanya ukuthenga okanye ukuthengisa imali yelizwe labo ukugcina izinga layo. Le ngcamango ibandakanya ukuthengiswa okujoliswe ekuthengeni nasekuthengisweni kwemali yangaphandle, ngenjongo yalo ukukhawulela ukuguquguquka kwezinga lokutshintshiselana kwemali ngemida ethile yokunciphisa okanye ukunyuka. Injongo yokungenelela kukulawula izinga lokutshintshiselwa kwinqanaba elithile.

Ixabiso lokutshintshiselwa lixabiso lexabiso leemali ezimbini kwiintengiso. Umgaqo wayo uyimfuneko, ukuba phantsi kwekhosi ekhoyo, uqoqosho loqoqosho lukhula ngcono.

Ukugcina okanye ukwandisa izinga lokutshintshiselwa kweyunithi yeeMali, iBhanki Ephakathi i thengisa imali yangaphandle kwimali yesizwe, kwaye ukunciphisa izinga, amazwe angaphandle (ngokuyinhloko iidola zase-US) athengwa ngemali yelizwe. Kufuneka kuqatshelwe ukuba ukungenelela kwamanye amazwe kunyanzeliswa. Ababanjwanga ngokuqhelekileyo: ngokungenelela kwemali enye kwilizwe ngalinye ngonyaka. Nangona kunjalo, ukungenelela kwincinci yeBhanki Ephakathi kwizinto ezinamandla zenkalo zinokuvela rhoqo.

Iindidi zongenelelo

1. Eyinyani. Yenziwa ngokucacileyo. Kule nkqubo, ibhanki ngokuzimeleyo okanye ngababameli baqala ukuthenga amaxabiso kwiimarike. Emva kokuba umsebenzi ugqityiwe, iziphumo kunye nemiqulu ethile ishicilelwe.

2. Ukhohlisayo. Ukungenelela okunjalo kwenzeka xa kukho iingxelo zengqesho ekhoyo kwimithombo eyahlukeneyo, kodwa umsebenzi ngokwawo awuqhutyelwa okwamanje. Ukungenelela okukhohlisayo kukubume besikhathi esifutshane. Unempembelelo encinci kumlinganiselo wokunyuka kunokungenelela kwangempela.

Ukungenelela kwemali eRashiya

ERashiya eli gama lisetyenziswe, njengommiselo, kunye nemisebenzi yokugcina izinga lokutshintshiselwa kwe-ruble kwi-dollar yase-US. I-Bhanki Ephakathi YaseRashiya ithengisa iidola zase-US ukukhusela imali yasekhaya ukuwa kwiimarike zerhwebo lwangaphandle, ize ichaphazele amandla ekuthengwa kwemali yesizwe, ixabiso lokutshintshana kunye noqoqosho lwelizwe. Kodwa kufuneka kuphawulwe ukuba kunye nokuphulwa okukhulu kweenkqubo zokuhlawula iintlawulo , le nkqubo ingakhokelela ekunciphiseni okukhulu kwendawo yokutshintshiselana kwamanye amazwe.

Ngaba kunokwenzeka ukubikezela ukungenelela?

Ukuxela kwangenelelo, kufuneka ulalelisise yonke intetho yabangcali bezopolitiko kunye namanani oqoqosho axwayisa malunga neenjongo zeBhanki Ephakathi, okanye ukuhlalutya ngokubanzi yonke imibiko yeenkcukacha.

Ixesha elide lihlala lini?

Njengomthetho, ukungenelela kwemali kuthatha kwiiyure ezimbini ukuya kwiiyure. Iimpawu ezinamandla kunokuba zenzeke kwiiyure ezimbini zokuqala ukuya kwiiyure ezintathu. Emva koko intengo ingaqhubeka nokukhula nge-inertia. Emva kokukhula okungahambiyo, i-pullback iyabonwa, apho ixabiso liya kutshintshwa kwiimeko ezintsha.

Ngaloo ndlela, imarike yindlela yokuzilawula, kodwa ukungenelela karhulumente kuyimfuneko "yokulungiswa" kwezinga lokutshintshiselana. Ukungenelela kwemali kuvumela uqoqosho lwelizwe ukuba luphuhlise ngakumbi ngokufanelekileyo.