Ndi mafomu otani finance de demain ?

Zomwe mawonekedwe amachita finance de demain kutenga ? Izi ndiye nkhawa za nkhaniyi. M'malo mwake, dziko lazachuma likukula mwachangu kotero kuti ndi avant-garde kuganiza lero zomwe finance de demain. Pamenepo, financeddemain.com adayamba kudabwa kuyambira vuto lazachuma la 2008.

Mavuto a subprime awa adatiwonetsa momwe dongosolo lazachuma padziko lonse lapansi linalili losalimba. Pambuyo pavutoli, njira zina zingapo zandalama zomwe masiku ano zili ndi zotsatira zochulukirapo pazachuma zidayamba kuwonekera.

M'nkhaniyi, ndikukufotokozerani nkhanizi mitundu yazachuma zomwe zimapanga finance de demain. Mwanjira ina, tonse tiyankha funso ili: Ndi mafomu otani finance de demain ?

🌿 Bwanji mukuganiza za finance de demain ?

Ndi système dziko lazachuma silikuyenda bwino. IneChinachake chiyenera kuchitidwa. Tikupitirizabe kukumana ndi mavuto azachuma komanso zachuma. Mwachidule, tikuwona mochulukirachulukira kugwiriridwa kwa Munthu kuti apindule pazachuma komanso zachuma.

Zachuma osalumikizidwa kudera lenileni. Kuyambira pano, chuma cha dziko lapansi chikufunika kukhala ndi chuma chokhazikika komanso chodalirika chomwe chiyenera kukhala chothandizira anthu.

M'malo mwake, zinthu zitatu zowona zidapangitsa ogwira ntchito athu kuti ayang'ane zam'tsogolo lazachuma.

✔ Mavuto azaumoyo a Coronavirus a 2019

Masiku ano, palibe amene angakane zoyipa za COVID19 pazachuma padziko lonse lapansi. Mpaka 2021, vuto ili lomwe lidayamba mu 2019 likupitilirabe kuvutitsidwa, pamlingo waumunthu, zachuma ndi chikhalidwe.

Zotsatira zake pazachuma ndizambiri chifukwa cha kuchepa kwa kugwiritsidwa ntchito padziko lonse lapansi kwazaka ziwiri kale.

Makampani angapo asiya ntchito zawo kwakanthawi chifukwa chotsekeredwa m'ndende. Pachifukwa ichi, misika yachuma sidzakhazikika mpaka mantha ndi chiwerengero cha milandu yatsopano sichidzasiya kuwonjezeka kuchokera mbali zonse.

Choncho, amalonda akuganiza kale za chitsanzo cha ndalama chomwe chingathe kupirira zovuta zamtunduwu. Chitsanzo choterocho chingalole makampani kupewa mavuto azachuma pamavuto otere.

✔ Zotsatira zoyipa za kudalirana kwachuma padziko lonse lapansi

Chifukwa chachiwiri kuganizira zimene finance de demain ndi zachuma padziko lonse lapansi. THE zotsatira za kudalirana kwachuma padziko lonse lapansi imalimbikitsanso ofufuza kukhulupirira kuti pakufunika kuganiza za njira yatsopano yopangira ndalama.

Zowonadi, ndi kulumikizidwa kwa misika ndi malo azachuma, osunga ndalama ali ndi mwayi wosuntha likulu lawo mwachangu kuchokera kumalo azachuma kupita ku ena malinga ndi mwayi wopeza phindu.

Komabe, njira iyi yopangira ndalama imabweretsa kudziyimira pawokha kwazachuma, kutaya mphamvu kwa States, asymmetry yazidziwitso ndi chitukuko cha misonkho.

Ponena za kudziyimira pawokha pazachuma, ziyenera kukumbukiridwa kuti ntchito zandalama ndizopambana kwambiri kuposa ntchito zolumikizidwa ndi kugula katundu kapena ntchito. Amagwirizana kwambiri ndi chiyembekezo chopeza phindu longoyerekeza.

Chifukwa chake, tikuwona kutha kwa gawo lazachuma kuchokera ku chuma chenicheni. Ichi ndiye chifukwa chachikulu chavuto la 2008.

Ndi kudalirana kwachuma padziko lonse lapansi, mayiko ataya mphamvu zawo. Akuluakulu azachuma ataya mphamvu zawo kuti apindule ndi osunga ndalama akuluakulu.

Kupyolera mu ndalama zawo zandalama, osunga ndalamawa amakhudza chiwongoladzanja ndi ndalama zosinthira. Izi ndizomwe zimatsimikizira kudalira kwa mawu "ofooka" pazigawo "zamphamvu".

Information asymmetry ndi mgwirizano wamalonda wopanda chilungamo ndi zotsatira zina zoyipa za kudalirana kwachuma padziko lonse lapansi. 

Ndi mapanganowa, ndalama zazikulu zimapatutsidwa kuchokera kumayiko omwe akutukuka kupita kumayiko omwe ali ndi mphamvu zambiri zopanga. Makontrakitalawa athandiza kuti dziko la United States, mwachitsanzo, likope ndalama zakunja kuti lipeze ndalama zogulira, zogulitsa ndi zatsopano. Ndi kupanda chilungamo.

Nkhani yoti muwerenge: Ngongole zanyumba: muyenera kudziwa chiyani za njira zopezera ndalama izi?

Chimodzi mwazolakwika za kudalirana kwachuma kwachuma ndikutukuka kwa misonkho. Kutuluka kwa malo amisonkho kunayamba m'zaka za m'ma 90. Ndipotu, malo amisonkho ndi dziko kapena gawo lomwe lili ndi msonkho wochepetsedwa kapena zero.

Maikowa amatsatira mfundo za “ wopempha-mnzako » zomwe zimaphatikizapo kulemera kumbuyo kwa mayiko ena. Iwo ali pa chiyambi cha mbali yaikulu ya ngongole ya dziko.

Malo amisonkho awa ndi abwino kuwononga ndalama zauve, kuzemba msonkho ndikuwonjezera kusalingana padziko lapansi, kuti apindule ndi makampani ndi mabanki amitundu yambiri.

Poyang'anizana ndi zophophonya izi, dongosolo lazachuma lapadziko lonse lapansi limafunikira kakhalidwe komanso udindo.

✔ Zofunikira pachitetezo cha chilengedwe

Chifukwa chachitatu kuganizira zimene finance de demain ndi kuteteza chilengedwe.

Kukula kwa chiwerengero cha anthu ndi mafakitale kumabweretsa kutentha kwa mlengalenga, zomwe zimasokoneza ndi kuika pangozi anthu okhalamo. Choncho, chitetezo cha chilengedwe ndi zake chuma chasanduka nkhani yofunika kwambiri.

Ndizofunika kwambiri kuzindikira za kudalirana kwa mayiko kwa mavuto a zachilengedwe. Kuti tichite izi, tiyenera kuganiziranso zandalama, kulimbikitsa chuma chobiriwira, chodalirika komanso chachilungamo.

🌿 Ndi mafomu otani finance de demain ?

Chifukwa cha zochita za masheya pamsika, la finance de demain adzakhala ndi mitundu ingapo. M'ndimeyi tikulankhula nanu zandalama zachisilamu, ndalama zofanana, zachuma zobiriwira komanso nzeru zazachuma.

✔ Ndi mafomu otani finance de demain ? : ndalama zamakhalidwe abwino komanso zodalirika

La finance de demain choyamba chikhala Chisilamu. Monga World Bank, International Monetary Fund imayika ziyembekezo zake zonse pazachuma cha Chisilamu.

Ndalama izi, zomwe ngakhale pamlingo wongoganizira chabe, zimakhala zachikhalidwe komanso zachikhalidwe. Kukhazikitsa dongosolo lazachuma munjira yakeyake; Ndalama zachisilamu zimaletsa kuchita chidwi, zongopeka, kutchova njuga, ndi zina.

Imalimbikitsa mabizinesi muzinthu zogwirika, i.e. ndalama mu chuma chenicheni. Kuphatikiza apo, imalimbikitsa kuti zotayika ndi phindu zigawidwe pakati pa banki ndi kasitomala wake. kutero, Ndalama zachisilamu zimachepetsa kusalungama kwachuma.

M'malo mwake, mabanki achisilamu amadziwika kuti ndi okhazikika kuposa momwe amakhalira. Panthawi yamavuto azachuma a 2008, mabanki achisilamu adagwira ntchito bwino.

Nkhani yoti muwerenge: Zofunikira za Islamic Finance

Kulimba mtima kumeneku kungafotokozedwe ndi mfundo yakuti sachita nawo zongopeka, zomwe zimayambitsa vutoli. Choncho, ndalama adzakhala poyamba Chisilamu.

✔ Kufanana kwachuma kapena kubanki yamthunzi: kukula kochititsa chidwi

La finance de demain idzakhalanso zomwe timazitcha kuti parallel finance. Zomwe zimatchedwanso shadow finance, ndalamazi zimagwira makamaka ntchito zachitetezo, crowdfunding ndi securities kubwereketsa ndi kubwereka ntchito. Ponseponse, ndi ntchito zamabanki zomwe zimathawa malamulo.

Opaque, zongopeka, chiopsezo chachikulu, mwadongosolo, ngakhale " chigawenga "Kwa ena, Shadow Banking imafotokozedwa ndi ena kuti ndi yosinthika, yamphamvu, yatsopano, yogwirizana ndi ndalama zamakono, komanso yogwirizana ndi mabanki" kulamulidwa mopitirira malire ".

malinga ndi lipoti la Le Monde, ntchito zamabanki zamthunzi zinali zisanayende bwino. Masiku ano, kukwera komweku kwa Shadow Banking kuyika pachiwopsezo kukhazikika kwadongosolo lazachuma padziko lonse lapansi.

Nkhani yoti muwerenge : Kodi Parallel Banking System kapena Shadow Banking ndi chiyani?

Mofananamo, nkhani ya m’magazini a Bilan inanena kuti masiku ano mavuto a zachuma akupezeka makamaka m’ma “ mthunzi ndalama », chifukwa cha kulemera kwake komanso kuti sichitsatira malamulo anzeru monga gawo la banki lachikhalidwe. Choncho, tiyenera kuopa tsogolo la finance de demain ?

✔ Green Finance: chofunika tsogolo la dziko

Zachuma sizikukhutitsidwanso ndi ntchito zopindulitsa zokha. Imaganiziranso za chilengedwe. "Ndalama zobiriwira" ndi lingaliro lomwe limatanthawuza zochita zachuma ndi ntchito zomwe zimalimbikitsa kusintha kwa mphamvu ndi kulimbana ndi kutentha kwa dziko.

Ndalamayi ikufuna kupereka ndalama zothandizira ntchito zomwe siziwononga chilengedwe. Mwa kuyankhula kwina, ntchito iliyonse yomwe ikupita kumbali iyi ingapeze ndalama mosavuta.

Msika wobiriwira wandalama ukukula komanso wopangidwa bwino. Pamenepo tikupeza zobiriwira zobiriwira, Le msika wa carbon, Le Ecological bonasi-malus, malo ndi ntchito zoyera ndi misonkho ya carbon.

Zomangira zobiriwira ndizofanana ndi zomangira "zobiriwira". ochiritsira » poti amaimira ngongole zachitetezo. Komabe, ndalama zobwereka zimagwiritsiridwa ntchito kulipirira ntchito zachilengedwe.

Msika wa carbon ukufuna kugawa " ufulu woipitsa » zomwe zingasinthidwe pamsika. Chifukwa chake, osewera omwe akufuna kuipitsa zambiri ayenera kugula maufulu owonjezera, omwe amapereka chilimbikitso chochepetsera mpweya wowonjezera kutentha.

Nkhani yoti muwerenge : Green Finance pamtima pazovuta zapadziko lonse lapansi

Bhonasi-malus ikufuna kuonjezera mtengo wogula magalimoto oipitsa komanso kuchepetsa magalimoto otsika kwambiri kuti alimbikitse kugula kwawo. Ndikugwiritsa ntchito mfundo yakuti “ woipitsa amalipira ".

✔ Economic nzeru ndi zachuma: ukwati wogwirizana

La finance de demain zimachokeranso pa nzeru zachuma. Mawu akuti Competitive Intelligence amatanthauza njira yophatikizira mkati mwa kampani yomwe ikufuna kukulitsa mpikisano wake pakanthawi yayitali, polimbikitsa njira zake zoyembekeza.

Nkhani yoti iwerengedwe: Ndalama za digito: BA BA

Tikukamba za strategic intelligence. Economic Intelligence ikufunanso kukulitsa luso la kampaniyo pogwiritsa ntchito kulumikizana kwa digito.

Chifukwa chake, luntha lazachuma masiku ano limawerengedwa kuti ndi imodzi mwazinthu zomwe zimathandizira kuti mabizinesi ang'onoang'ono komanso apakatikati achite bwino. Uwu ndi mwayi kwamakampani omwe akufuna mwayi wampikisano.

Pomaliza, kuyankha funso Kodi mafomu adzakhala finance de demain; tikhoza kunena kuti ndondomeko ya zachuma padziko lonse ikupita ndipo ili ndi mitundu ingapo. The finance de demain sichingakhale chomwe tikuchidziwa lero.

Mthunzi wachuma, Islamic Finance, green Finance ndiEconomic nzeru kupanga mitundu yatsopano yazachuma.

Komabe, ngati mukufuna kuwongolera ndalama zanu m'miyezi isanu ndi umodzi, ndikupangira izi.

Tisiyeni maganizo anu mu ndemanga.