Ndeapi mafomu achaita finance de demain ?

Chii chinoumba the finance de demain tora ? Uku ndiko kunetseka kwechinyorwa chino. Muchokwadi, nyika yezvemari iri kuchinja nekukurumidza zvekuti iri avant-garde kufunga nhasi nezve chichava finance de demain. En fait, financeddemain.com akatanga kushamisika kubva dambudziko rezvemari ra2008.

Iyi subprime dambudziko yakatiratidza kuti hurongwa hwemari hwepasi rose hwakanga husina kusimba kusvika papi. Mushure medambudziko iri, dzimwe nzira dzakati wandei dzemari idzo nhasi dzine mhedzisiro yakakosha pahurongwa hwemari dzakatanga kubuda.

Muchinyorwa chino, ndinokupa nhau idzi mafomu emari izvo zvinoumba finance de demain. Mune mamwe mazwi, pamwe chete tichapindura mubvunzo unotevera: Ndeapi mafomu achaita finance de demain ?

🌿 Sei uchifunga nezvazvo finance de demain ?

Iyo system sangano rezvemari repasi rose rakashata. IPane chinhu chinofanira kuitwa. Tinoramba tichitarisana nematambudziko emari uye kushandiswa kwemari kwehupfumi. Muchidimbu, tiri kuwedzera kupupurira kushandiswa kweMunhu kuitira kubatsira kwehupfumi nemari.

Zvemari yakabviswa kubva panzvimbo chaiyo. Kubva zvino zvichienda mberi hupfumi hwenyika hunoda mari ine hutsika uye inotarisisa magariro evanhu iyo inofanirwa kunge iri pabasa remunhu.

Muchokwadi, zvinhu zvitatu zvechokwadi zvakakurudzira vashandi vedu vekunyora kuti vatarise mune ramangwana rezvemari.

✔️ Iyo 2019 dambudziko rehutano reCoronavirus

Mazuvano, hapana anogona kuramba kukanganisa kweCCIDID19 pahupfumi hwenyika. Kusvika 2021, dambudziko iri rakatanga muna 2019 rinoramba richitora vakabatwa, padanho revanhu, rehupfumi nemagariro.

Kukanganisa kwayo hupfumi kwakanyanya nekuda kwekudonha kwekushandiswa kwepasi rose kwemakore maviri atove.

Makambani akati wandei akambomira mabasa awo nekuda kwekuvharirwa kwakanyanya. Nokuda kweizvi misika yemari haizogadzikane kusvikira kutya uye nhamba yemhosva itsva haizoregi kukura de part et d'autre.

Nokudaro, vatsigiri vezvemari vari kutofunga nezvemuenzaniso wezvemari unogona kutsungirira dambudziko rinobvira remhando iyi. Muenzaniso wakadaro waizobvumira makambani kudzivirira matambudziko emari mudambudziko rakadaro.

✔️ Migumisiro yakaipa yekudyidzana kwepasi pose kwezvemari

Chikonzero chechipiri chekufunga nezve izvo finance de demain kudyidzana kwepasi rose kwezvemari. THE migumisiro yekudyidzana kwezvemari zvakare kusunda vaongorori kuti vatende kuti zvava kuda kukurumidza kufunga nezvenzira nyowani yekuita mari.

Muchokwadi, nekubatana kwemisika nenzvimbo dzemari, vatengesi vane mukana wekukurumidza kutamisa capital yavo kubva kune imwe nzvimbo yezvemari kuenda kune imwe zvinoenderana nemikana yepurofiti.

Nekudaro, iyi nzira yekuita mari inotungamira mukuzvimiririra kwemari, kurasikirwa kwesimba rehurumende, ruzivo asymmetry uye. kuvandudzwa kwenzvimbo dzemitero.

Kutaura nezvekuzvimiririra kwemari, zvinofanirwa kuyeukwa kuti mashandiro emari akakwirira zvakanyanya kune mashandiro ane chekuita nekutenga zvinhu kana masevhisi. Ivo vari kuwedzera kubatanidzwa netarisiro yekuita mhindu yekufungidzira.

Nokudaro, tiri kupupurira kuparadzaniswa kwechikamu chemari kubva kuhupfumi chaihwo. Ichi ndicho chikonzero chikuru chedambudziko ra2008.

Nekudyidzana kwepasi rose kwezvemari, Nyika dzakarasikirwa nesimba radzo. Vakuru vezvemari vakarasikirwa nemasimba avo kuti vabatsirike vatengesi vakuru vega.

Kuburikidza nekudyara kwavo kwemari, vanoisa mari ava vanopesvedzera mitengo yemubereko uye mitengo yekuchinjana. Izvi ndizvo zvinosimbisa kutsamira kwezvinoreva "zvisina simba" pazvimiro "zvakasimba".

Informational asymmetry uye zvibvumirano zvekutengeserana zvisina kunaka ndezvimwe zvinokanganisa kudyidzana kwemari. 

Nezvibvumirano izvi, mari inobviswa kubva kunyika dzichiri kusimukira ichiendeswa kune dzimwe nyika dzine simba guru rekugadzira. Zvibvumirano izvi zvakagonesa United States, semuenzaniso, kukwezva mari yekunze kuti iwane mari yekushandisa kwavo, mari uye hunyanzvi. Kusaruramisira kwemari.

Nyaya yekuverenga: Mortgage zvikwereti: chii chekuziva nezve idzi nzira dzekupa mari?

Imwe yemhedzisiro yakaipa yekudyidzana kwemari kwepasi rose kuvandudzwa kwenzvimbo dzemitero. Kubuda kwenzvimbo dzemitero kwakatanga mumakore ekuma 90. Kutaura zvazviri, nzvimbo yemutero inyika kana nharaunda ine mutero wakaderedzwa kana zero.

Nyika idzi dzinoita mutemo we mupemhi-wako-muvakidzani izvo zvinosanganisira kuzvipfumisa pamusana pedzimwe nyika. Ndivo manyuko echikamu chikuru chechikwereti chenyika.

Nzvimbo dzemitero idzi dzinosimudzira kubvisa mari tsvina, kunzvenga mutero uye kuwedzera kusaenzana munyika, kubatsira mafemu emarudzi akawanda nemabhanga.

Takatarisana nezvikanganiso izvi, hurongwa hwemari hwepasi rose hunoda humwe hutsika uye mutoro.

✔️ Zvinodiwa zvekuchengetedza kwezvakatipoteredza

Chikonzero chechitatu chekufunga nezve izvo finance de demain kuchengetedzwa kwezvakatipoteredza.

Kuvandudzwa kwehuwandu hwevanhu uye maindasitiri kunounza kudziya kwemhepo yepasi, izvo zvisingaenzanisi uye zvinoisa mungozi vagari vayo. Nokudaro, kuchengetedzwa kwezvakatipoteredza uye zvayo zviwanikwa zvave chinhu chakakosha.

Icho chiri pamusoro pezvose kuziva nezvekudyidzana kwepasi rose kwezvinetso zvezvakatipoteredza. Kuti tiite izvi, tinofanirwa kufunga zvakare zvemari, kutsigira zvakasvibirira, zvine mutoro uye zvakaringana mari.

🌿 Ndeapi mafomu achaita finance de demain ?

Nekuda kwekuita kwemasheya pamusika, la finance de demain zvichatora nzira dzakawanda. Mundima ino tinotaura newe nezvemari yechiIslam, mari yakafanana, mari yegirinhi uye hungwaru hwehupfumi.

✔️ Ndeapi mafomu achaita finance de demain ? : mari yetsika uye ine mutoro

La finance de demain inotanga kuve yeIslam. Kufanana neWorld Bank, International Monetary Fund inoisa tariro yayo yese pamari yeIslam.

Iyi mari, iyo kunyange kana iri padanho redzidziso, ine hutsika uye ine mutoro wemagariro. Kudzikamisa hurongwa hwemari nenzira yayo; Mari yechiIslam inorambidza tsika yekufarira, kufungidzira, kubhejera, nezvimwe.

Inotsigira mari muzvinhu zvinobatika, i.e. mari muhupfumi chaihwo. Pamusoro pezvo, rinokurudzira kuti kurasikirwa nepurofiti zvigovane pakati pebhanga nemutengi waro. kuzviita, Mari yeIslam inoderedza kusarongeka kwemari.

Mukuita, iyo Islamic banking system inozivikanwa seyakagadzikana kupfuura yayakajairwa yakaenzana. Munguva yedambudziko remari ra2008, mabhanga echiIslam akabata zvakanaka.

Nyaya yekuverenga: Zvinodikanwa zveIslam Finance

Kusimba uku kunogona kutsanangurwa nenyaya yekuti havaite zvekufungidzira, honzeri huru yedambudziko iri. Saka, mari inotanga kuve yechiIslam.

✔️ Parallel finance kana shadow banking: kukura kunoshamisa

La finance de demain ichavawo yakanzi parallel finance. Zvichiri kunzi shadow finance, mari iyi inonyanya kuvharira Securitization transactions, crowdfunding uye securities kukweretesa-kukwereta kutengeserana. Pakazara, mashandiro emabhangi anotiza mutemo.

Opaque, fungidziro, njodzi huru, systemic, kunyangwe " mupari wemhosva "Kune vamwe, Shadow Banking inotsanangurwa nevamwe seinochinjika, ine simba, ine hunyanzvi, yakagadziridzwa kupa mari yehupfumi hwazvino, uye inopindirana nemabhanga network" over-regulated ".

maererano chirevo cheLe Monde, mabasa ekubhengi emumvuri akanga asati ambobudirira zvakadaro. Nhasi, uku kusimuka kuri kuita kweShadow Banking kunoisa njodzi kune kugadzikana kwehurongwa hwemari hwepasi rose.

Nyaya yekuverenga : Chii chinonzi Parallel Banking System kana Shadow Banking?

Nenzira imwecheteyo, imwe nyaya iri mumagazini yeBilan inofungidzira kuti njodzi yedambudziko remari nhasi yakanyanya kutariswa mu " mumvuri mari », zvese nekuda kwehuremu hwayo uye chokwadi chekuti haisi pasi pemitemo yakafanana yekungwara seyakajairwa banking sector. Saka, tinofanira kutya remangwana re finance de demain ?

✔️ Green finance: chinodiwa kune ramangwana renyika

Mari haichagutsikane chete nekupa mari mapurojekiti ane pundutso. Zvinotorawo nyaya dzezvakatipoteredza. "Green finance" ipfungwa inotsanangura zviito zvemari uye mashandiro anokurudzira shanduko yesimba uye kurwisa kudziya kwepasirese.

Mari iyi inoda kupa mari zvirongwa zvisingakanganisi nharaunda. Mune mamwe mazwi, chero chirongwa chinoenda munzira iyi chinogona kuwana mari zviri nyore.

Musika wegirinhi wezvemari uri kukura uye wakanyatso kurongeka. Ikoko tinowana iyo green bonds, le kabhoni musika, le Ecological bhonasi-malus, kuiswa uye basa chena uye carbon tax.

Green bonds yakafanana ne "green" bonds. kwakajairika pakuti vanomiririra zvikwereti zvezvikwereti. Zvisinei, mari yakakweretwa inoshandiswa kutsigira mapurojekiti eecology.

Musika wecarbon une chinangwa chekugovera " kodzero dzekusvibisa iyo inogona kutengeswa pamusika. Nekudaro, vatambi vanoda kusvibisa zvakanyanya vanofanirwa kutenga dzimwe kodzero, izvo zvinovakurudzira kudzikisa kuburitswa kwegasi regreenhouse.

Nyaya yekuverenga : Green finance pamwoyo wekunetsekana kwenyika

Bhonasi-malus ine chinangwa chekuwedzera mutengo wekutenga kwemotokari dzinosvibisa uye kuderedza mari yemotokari dzakaderera-kusvibisa kukurudzira kutenga. Uku ndiko kushandiswa kwenheyo anosvibisa anobhadhara ".

✔️ Economic intelligence uye mari: muchato unowirirana

La finance de demain zvakare yakavakirwa pahungwaru hwehupfumi. Chirevo cheCompetitive Intelligence chinoreva nzira yekubatana mukati mekambani ine chinangwa chekuwedzera kukwikwidza kwayo kwenguva refu, nekusimbisa nzira dzayo dzekutarisira.

Chinyorwa chekuverenga: Digital yemari: iyo BA BA

Tiri kutaura nezve strategic intelligence. Economic intelligence zvakare inovavarira kukwenenzvera kugona kwekambani kuburikidza nekukurukurirana kwedhijitari.

Nekudaro, hungwaru hwehupfumi mazuva ano hwave kutorwa seimwe yenzira yekubudirira kweshanduko yedhijitari yeMabhizinesi Madiki uye Epakati-Size. Uyu mukana wemakambani ari kutsvaga makwikwi mabhenefiti.

Mukupedzisa, kupindura mubvunzo Ndeapi mafomu achaita finance de demain; tinogona kutaura kuti hurongwa hwemari hwepasi rose huri kushanduka uye hune mafomu akati wandei. The finance de demain hazvizodaro hazvo zviri izvo zvatinoziva nhasi.

phantom mari, Islamic mari, green finance uyeEconomic njere kuumba nzira itsva dzemari.

Nekudaro, kana iwe uchida kutora kutonga kwemari yako pachako mumwedzi mitanhatu, ini ndinokurudzira iyi gwara.

Tisiye maonero ako mumashoko.