Zvese nezve Shadow Banking

Seri kwemari yechinyakare inovanza yakakura opaque yemari system inonzi "mumvuri banking. ⚫ Iyi network yemasangano uye zviitiko zvinopukunyuka mirau yechinyakare. Kurudziro yake iri kukura inonetsa vagadziri, kunyanya sezvo akaita basa rakakosha mudambudziko ra2008. 🔻

Shadow banking, kana "mumvuri mari", inounza pamwe yekufungidzira hedge funds, makambani ekutengesa-akawanda uye mota dzakaoma dzekudyara. Kushanda kwayo hakuzivikanwi kune veruzhinji. 🔍 Zvakadaro inotenderedza mafambiro makuru emari pasirese.

Muchikamu chino, tsvaga kuti shadow banking chii chaizvo, chiyero chayo, vatambi vayo vakakosha uye njodzi dzinogona kukonzeresa kugadzikana kwemari yepasi rose. Asi tisati tatanga, hezvino Iwe ungaita sei mari zviri nani pamudyandigere wako weramangwana?

Iva nekunyura kwakanaka mune zvakavanzika zvemumvuri mari!

📍 Chii chinonzi shadow banking?

Shadow banking inosarudza vese vatambi uye zviitiko zvemari izvo kuitika kunze kwehurongwa hwebhangi zvechivanhu zvinodzorwa. 🏦

Izvi zvinosanganisira masangano akaita sehedge funds, mari yemusika wemari, mafemu ekutengesa mafrequency. Shadow banking inosanganisirawo zviridzwa zvemari zvakaita se zvisina kunyoreswa OTC derivatives. 📉

Kusiyana nemabhangi ekutengesa, masangano ari mu shadow banking kazhinji haiunganidzi mari uye havakwanise kuwana central bank refinancing. 💵

Mabasa avo haatarisirwi zvakanyanya nevakuru uye vane hukuru hwekutonga kuchinjika. Mamiriro ezvinhu aya anofumura hurongwa hwemari kune njodzi dzakawedzerwa dzekusagadzikana.

📍 Yakakura sei kubhengi kwemumvuri?

Shadow banking inomiririra chikamu chakakosha chehurongwa global financial. Sekureva kweFSB, muna 2020 yakasvika madhora zviuru makumi mashanu neshanu emadhora mumidziyo, kana ingangoita hafu yemabhanga echinyakare.

MuUSA, uremu hwayo hwakatokura. Shadow banking inobata zvinodarika madhora gumi nemashanu emadhora mumidziyo ipapo. Iyo inonyanya kutonga kubhengi kwechinyakare.

Chinyorwa chekuverenga: Kutenga zvivakwa zvitsva kana zvekare ❓

MuEurope, iyo UK imusha kune yakakura kwazvo mumvuri nzvimbo yemari, ine inodarika £ 3 trillion mumidziyo. Zvadaro kunouya Switzerland, Luxembourg uye Ireland.

Kunyange zvazvo zvakaoma kunyatsoongorora, simba rinokura rebhangi remumvuri hariiti hapana fungidziro. Njodzi dzayo dzinogona kunetsa vanodzora, kunyanya sezvo kudyidzana kwayo nemabhanga echinyakare system kuri kuwedzera.

📍 Ndivanaani vatambi vakakosha mumumvuri banking?

Shadow banking inounza pamwechete akasiyana siyana masangano. Heano mamwe akanyanya kukosha:

• Kufungidzira hedge funds 📉, inoshanda zvakanyanya mumisika yenguva yemberi uye zvine njodzi zvinobva.
• Mari yemusika mari 💵, iyo inopa masevhisi padyo nemabhangi asi pasina vimbiso yeruzhinji.
• Makambani ebrokerage uye yakakwira-frequency yekutengesa 💻, ine basa risiri pachena.
• Les dzimwe mari dzekudyara ⚖️, nemaitiro akaomarara anotiza mirau yakajairwa.
• Les masangano akarongeka 🏢, senge ad hoc mota dzinoshandiswa nemabhangi kubvisa zvinhu zvine njodzi pamapepa avo.

Vane simba vemasangano vanoita mari senge mari yepenjeni 👴👵 zvakare vanotora nzvimbo ine mukurumbira.

📍 Ndedzipi njodzi dzemumvuri banking?

Kunyangwe zvichiita kuti zvikwanise kusiyanisa masosi emari, shadow banking haina ngozi. Ngozi dzayo huru ndeidzi:

• Un kuwandisa kwesimba 📈📉, masangano emumvuri asiri pasi pezvinoda mari yakafanana nemabhangi.
• Un kushaya pachena 🔍, zviitiko zvakawanda zvinopukunyuka zvisungo zvekushambadza ruzivo.
• Kumiswa kwekubhadhara cheni kana pakaitika dambudziko ⛓, hapana mukweretesi wekupedzisira ari kupihwa zvakasiyana nemaitiro echinyakare emabhangi.
• Une kupararira kwengozis 💥 kuchikamu chebhangi chakagadziriswa, nekuda kwekukura kwehukama pakati peaviri masisitimu.
• Des mikana yakawedzerwa yetsvina yekubira mari 💰, nekuda kwekushaikwa kwekutarisa kwemamwe masiketi emari asina kujeka.
• Des njodzi huru dzehurongwa 💥💥 muchiitiko chekudonha kwakaerekana kweiyi opaque system, sezvakaratidzwa nedambudziko ra2008.

📍 Ndezvipi zvichangobva kuitika zvemitemo?

Kutevera dambudziko remari, vatongi vakatsvaga kudzora zviri nani shadow banking, paine mhedzisiro mishoma.

Iyo FSB yakagadzira kurudziro muna 2011 yekutarisa mumvuri webhangi system uye kudzikisira yakawandisa. Mamwe akaiswa, senge chisungo chekushuma madhirivhari ezvinobvamo.

Nyaya yekuverenga: Neobanks uye kudzikiswa kwemubhadharo webhangi

Asi mapofu akawanda ekudzora anoramba aripo. Iko kudikanwa kwekudyidzana kwenyika dzese kunouya kuzopesana ne zvido zvakasiyana zvenyika huru. Pachine nzira refu yekuenda kune inoshanda kudzora kwemumvuri banking!

📍 Nderipi raive basa remumvuri banking mudambudziko ra2008?

Iyo shadow banking system yakaita basa repakati mukukonzeresa nekuparadzira dambudziko rezvemari ra2007-2008.

Mazhinji masangano emumvuri akadai seakakosha chinangwa mota (SIVs, makonditi, nezvimwewo) akabatana neiyo subprime US mortgage musika izvo zvakakonzera dambudziko. Vaitenga chengetedza zvikwereti zvakaipa nemabhanga.

When the subprime market dzakadonha, motokari idzi hadzina kukwanisa kugadzirisa nzvimbo dzadzo uye dzakaparara. Kupararira kwakabva kwapararira kune yechinyakare banking sector. 💥💥

Hedge funds inawo yakawedzera dambudziko kuburikidza nekufungidzira paCDS. Mari yemusika wemari yakawana kumiswa kukuru kwekudzikinura, zvichida kupindira kweveruzhinji.

Ichi chiitiko chakaratidza kuti dysfunctions mumumvuri banking inogona sei kumisa hurongwa hwese mari nehupfumi chaihwo.

📍 Nderipi remangwana remumvuri banking?

Pasinei nenjodzi, bhanga remumvuri rinofanira kuramba richikura mumakore anotevera.

Mubereko wakaderera uye vanoisa mari kutsvaga goho vanofanira kurudzira iyi isina kudzorwa system, inobatsira zvikuru asi zvakanyanya kusagadzikana.

Kufambira mberi kwetekinoroji senge blockchain kunogona kukurudzirawo kubuda kwezviitwa zvitsva zvemari zvinopukunyuka zviremera zvechinyakare.

Dambudziko richava zviri nani kubatanidza mumvuri banking mukutarisa kwezvemari pasi rose, pasina kukanganisa hunyanzvi. Basa rakaoma richada kushandira pamwe kwenyika dzakawanda!

🏁 Kuvhara

Kuwanda kwemumvuri webhangi kunoratidza kuda kudzorwa kuri nani mabasa emari ane njodzi pasi rose. Izvo zvinokanganisa muhurongwa zvinofanirwa kugadziriswa kudzivirira matambudziko matsva anoparadza seayo muna 2008.

Shadow finance haisati yagadzirira kunyangarika, asi inofanirwa kuve yakanyatsobatanidzwa mune yakazara regulatory network. Kujeka kwayo nekutarisisa kunofanirawo kusimbaradzwa. Vagadziri vachine basa ravo rakagadzirirwa ivo!

Nyaya yekuverenga: Vhura 100% online bank account

Nyika yezvemari inogara ichishanduka. Mutambo wekati nembeva pakati pevatambi mumumvuri uye zviremera zvakagadzirirwa kuenderera mberi, pakati pegrey nzvimbo uye kuedza kutonga. Chinhu chimwe chete ndechechokwadi: shadow banking ine ramangwana rakajeka pamberi payo mumakore anotevera!

Asi usati waenda, heino Maitiro ekugadzira Bhizinesi Risingadzivisike Kupihwa