Ke mefuta efe e tla finance de demain ?

Se etsang libopeho finance de demain nka ? Sena ke se tšoenyehileng sehloohong sena. Ha e le hantle, lefats'e la lichelete le ntse le fetoha ka potlako hoo ho leng bohlokoa ho nahana kajeno hore na finance de demain. En fait, financeddemain.com o ile a qala ho ipotsa ho tloha ka mathata a lichelete a 2008.

Mathata ana a subprime a re bontšitse hore na tsamaiso ea lichelete ea lefats'e e ne e fokola hakae. Ka mor'a tlokotsi ena, mefuta e meng e mengata ea lichelete eo kajeno e nang le liphello tse ngata kapa tse fokolang tsamaisong ea lichelete e ile ea qala ho hlaha.

Sehloohong sena, ke u hlahisa litaba tsena mefuta ea lichelete tse etsang the finance de demain. Ka mantsoe a mang, hammoho re tla araba potso e latelang: Ke mefuta efe e tla finance de demain ?

🌿 Ke hobane'ng ha u nahana ka finance de demain ?

Tsamaiso lefats'e la lichelete le maemong a mabe. IHo na le se lokelang ho etsoa. Re tswela pele ho tobana le mathata a ditjhelete le tshebediso ya ditjhelete moruong. Ka bokhutšoane, re ntse re bona ka ho eketsehileng ho sebelisoa ha Motho molemong oa moruo le lichelete.

Lichelete e kgaohileng sebakeng sa sebele. Ho tloha joale ho ea pele moruo oa lefats'e o hloka lichelete tse nang le mekhoa e metle le tse ikarabellang sechabeng tse lokelang ho ba molemong oa batho.

Ebile, lintlha tse tharo tsa 'nete li khothalelitse basebetsi ba rona ho sheba bokamoso ba lichelete.

️ Koluoa ​​​​ea bophelo bo botle ba Coronavirus ea 2019

Matsatsing ana, ha ho motho ea ka hanang litlamorao tse mpe tsa COVID19 moruong oa lefatše. Ho fihlela 2021, koluoa ​​​​ena e qalileng ka 2019 e ntse e tsoela pele ho tseka bahlaseluoa, boemong ba batho, moruong le sechabeng.

Tšusumetso ea eona moruong e kholo ka lebaka la ho theoha ha tšebeliso ea lefatše ka lilemo tse peli.

Lik'hamphani tse 'maloa li emisitse mesebetsi ea tsona ka nakoana ka lebaka la litlamo tse matla. Ka lebaka lena, limmaraka tsa lichelete li ke ke tsa tsitsa ho fihlela tšabo le palo ea linyeoe tse ncha e ke ke ea khaotsa ho eketseha ho tloha mahlakoreng ka bobeli.

Ka hona, bafani ba lichelete ba se ba ntse ba nahana ka mohlala oa lichelete o ka mamellang bothata bo ka 'nang ba e-ba teng ba mofuta ona. Mohlala o joalo o ka lumella lik'hamphani ho qoba mathata a lichelete maqakabetsing a joalo.

️ Litlamorao tse mpe tsa ho ikopanya ha lichaba tsa lichelete lefatšeng ka bophara

Lebaka la bobeli la ho nahana ka seo finance de demain ke ho ikopanya ha lichaba tsa lefatše tsa lichelete. MOTSAMAI liphello tsa ho ikopanya ha lichaba tsa lichelete hape e qobella bafuputsi ho lumela hore ho potlakile ho nahana ka mokhoa o mocha oa ho etsa lichelete.

Ha e le hantle, ka ho hokahana ha limmaraka le litsi tsa lichelete, bo-ramatsete ba na le monyetla oa ho tlosa chelete ea bona kapele ho tloha setsing se seng sa lichelete ho ea ho se seng ho latela menyetla ea phaello.

Leha ho le joalo, mokhoa ona oa ho etsa lichelete o lebisa boipusong ba lichelete, tahlehelo ea matla a linaha, asymmetry ea tlhahisoleseling le ntlafatso ea libaka tsa lekhetho.

Ha re bua ka boikemelo ba lichelete, ho tlameha ho hopoloa hore ts'ebetso ea lichelete e phahametse haholo mesebetsi e amanang le ho reka thepa kapa litšebeletso. Li ntse li hokahane ka ho eketsehileng le tebello ea ho etsa phaello e inahaneloang.

Kahoo, re bona ho khaoha ha maemo a lichelete ho tsoa moruong oa 'nete. Sena ke sesosa se seholo sa koluoa ​​​​ea 2008.

Ka ho ikopanya ha lichaba tsa lichelete lefatšeng ka bophara, Linaha li lahlehetsoe ke matla a tsona. Ba boholong licheleteng ba lahlehetsoe ke matla a bona molemong oa bo-ramatsete ba bangata ba ikemetseng.

Ka matsete a bona a lichelete, bo-ramatsete bana ba susumetsa sekhahla sa tsoala le litefiso tsa phapanyetsano. Sena ke sona se totobatsang ho its'etleha ha liprofinse tse "fokola" ho "matla".

Information asymmetry le litumellano tsa khoebo tse hlokang toka ke litlamorao tse ling tse khopameng tsa ho ikopanya ha lichaba tsa lichelete. 

Ka litumellano tsena, chelete e ngata e khelosoa ho tloha linaheng tse tsoelang pele ho ea linaheng tse nang le bokhoni bo bongata ba tlhahiso. Likonteraka tsena li nolofalelitse United States, mohlala, ho hohela lichelete tsa kantle ho naha ho tšehetsa tšebeliso ea eona ea lichelete, matsete le lintlafatso tsa eona. Ke ho hloka toka licheleteng.

Sengoloa se lokelang ho baloa: Mekoloto ea matlo: seo u lokelang ho se tseba ka mekhoa ee ea lichelete?

E 'ngoe ea litlamorao tse mpe tsa ho ikopanya ha lichaba tsa lichelete ke nts'etsopele ea libaka tsa lekhetho. Ho hlaha ha libaka tsa lekhetho ho qalile lilemong tsa bo-90. Ha e le hantle, sebaka sa lekhetho ke naha kapa sebaka se nang le lekhetho le fokotsehileng kapa le se nang letho.

Linaha tsena li sebelisa leano la “ mokopi-oa heno » e nang le ho rua ka morao ho linaha tse ling. Ke mohloli oa karolo e kholo ea sekoloto sa sechaba sa lefatše.

Libaka tsena tsa lekhetho li rata tšebeliso e mpe ea chelete litšila, ho qoba lekhetho le ho eketsa ho se lekane lefatšeng, molemong oa lifeme le libanka tsa machaba.

E tobane le mefokolo ena, tsamaiso ea lichelete ea lefats'e e hloka mekhoa e metle le boikarabello.

️ Litlhoko tsa ts'ireletso ea tikoloho

Lebaka la boraro la ho nahana ka seo finance de demain ke tshireletso ya tikoloho.

Tsoelo-pele ea palo ea batho le liindasteri e lebisa ho futhumaleng ha sepakapaka sa polanete, e leng ho sa leka-lekaneng le ho beha baahi ba eona kotsing. Kahoo, tšireletso ea tikoloho le eona lisebelisoa e se e le taba ea mantlha.

Ka holim'a tsohle ke tlhokomeliso ea ho ikopanya ha lichaba tsa lefatše ka mathata a tikoloho. Ho etsa sena, re tlameha ho nahana bocha ka lichelete, ho buella lichelete tse tala, tse nang le boikarabelo le tse hlokang leeme.

🌿 Ke mefuta efe e tla finance de demain ?

Ka lebaka la liketso tsa li-stock 'marakeng, la finance de demain e tla ba le mefuta e mengata. Serapeng sena re buisana le uena ka lichelete tsa Boislamo, lichelete tse tšoanang, lichelete tse tala le bohlale ba moruo.

️ Ke mefuta efe e tla finance de demain ? : lichelete tsa boitšoaro le tse nang le boikarabelo

La finance de demain pele e tla ba Islamic. Joalo ka Banka ea Lefatše, Letlole la Lichelete la Machabeng le ts'epa ts'epo ea lona ho lichelete tsa Maislamo.

Chelete ena, eo le haeba e le boemong ba theory, e nang le boikarabelo bo botle le sechabeng. Ho tsitsisa tsamaiso ea lichelete ka tsela ea eona; Lichelete tsa Maislamo li thibela tloaelo ea thahasello, likhopolo-taba, papali ea chelete, joalo-joalo.

E buella matsete a thepa e bonahalang, i.e. matsete moruong oa sebele. Ho feta moo, e khothaletsa hore tahlehelo le phaello li arolelanoe lipakeng tsa banka le moreki oa eona. ho etsa joalo, Lichelete tsa Maislamo li fokotsa ho hloka toka ha lichelete.

Ha e le hantle, tsamaiso ea banka ea Mamosleme e nkoa e tsitsitse ho feta e tloaelehileng. Nakong ea mathata a lichelete a 2008, libanka tsa Maislamo li ile tsa ema hantle.

Sengoloa se lokelang ho baloa: Litlhoko tsa lichelete tsa Islamic

Ho tiea hona ho ka hlalosoa ke taba ea hore ha ba kenelle likhopolo-taba, sesosa se ka sehloohong sa tlokotsi ena. Kahoo, lichelete e tla ba tsa pele tsa Boislamo.

️ Tšebelisano ea lichelete kapa libanka tsa moriti: kholo e makatsang

La finance de demain hape e tla ba seo re se bitsang parallel finance. E boetse e bitsoa shadow finance, lichelete tsena li sebetsa haholo ditransekshene tsa securitization, ts'ebetso ea ho alima le ho alima chelete ka bongata. Ka kakaretso, ke ts'ebetso ea libanka e qobang taolo.

Opaque, e inahaneloang, kotsi e kholo, tsamaiso, esita le " senokoane "Ho ba bang, Shadow Banking e hlalosoa ke ba bang e le e feto-fetohang, e matla, e ncha, e ikamahanyang le ho tšehetsa moruo oa sejoale-joale, 'me e tlatselletsa marang-rang a libanka" e laoloang hofeta tekanyo ".

ho latela tlaleho ea Le Monde, mesebetsi ea libanka ea moriti e ne e e-s'o ka e atleha hakana. Kajeno, ho phahama hona ho bonahalang ha Shadow Banking ho beha kotsi ho botsitso ba tsamaiso ea lichelete ea lefats'e.

Sehlooho se lokelang ho baloa : Parallel Banking System kapa Shadow Banking ke eng?

Ka mokhoa o tšoanang, sehlooho se seng makasineng ea Bilan se ile sa hakanya hore kotsi ea mathata a lichelete kajeno e lebisitsoe haholo ho “ moriti oa lichelete », ka bobeli ka lebaka la boima ba eona le taba ea hore ha e tlas'a melao e hlokolosi e tšoanang le ea lefapha la banka la setso. Kahoo, na re lokela ho tšaba bokamoso ba finance de demain ?

️ Green finance: tlhokahalo bakeng sa bokamoso ba lefatše

Lichelete ha li sa khotsofatsoa feela ke ho tšehetsa merero e etsang phaello. E boetse e nahanela litaba tsa tikoloho. "Lichelete tse tala" ke khopolo e hlalosang liketso tsa lichelete le ts'ebetso e khothalletsang phetoho ea matla le ntoa khahlanong le ho futhumala ha lefatše.

Chelete ena e batla ho tšehetsa merero e sa senyeng tikoloho ka lichelete. Ka mantsoe a mang, morero ofe kapa ofe o eang ntlheng ena o ka fumana lichelete habonolo.

Mmaraka o motala oa lichelete o ntse o hola ebile o hlophisehile hantle. Ke moo re fumanang litlamo tse tala, Le 'maraka oa carbon, Le Ecological bonase-malus, ho beoa le mosebetsi o mosoeu le makhetho a khabone.

Litlamo tse tala li tšoana le litlamo tse "tala". tloaelehileng » ka hore li emela likoloto tsa likoloto. Leha ho le joalo, chelete e alimiloeng e sebelisetsoa ho tšehetsa merero ea tikoloho.

Mmaraka oa carbon o ikemiselitse ho aba “ litokelo tsa ho silafatsa » tse ka fapanyetsanoang 'marakeng. Kahoo, libapali tse lakatsang ho silafatsa ho feta li tlameha ho reka litokelo tse eketsehileng, tse fanang ka khothatso ea ho fokotsa ho tsoa ha likhase tse futhumatsang lefatše.

Sehlooho se lokelang ho baloa : Lichelete tse tala ka pelong ea mathata a lefats'e

Bonus-malus e ikemiselitse ho eketsa litšenyehelo tsa ho reka likoloi tse silafatsang le ho fokotsa ea likoloi tse silafatsang ka tlase ho khothaletsa theko ea tsona. Ke tšebeliso ea molao-motheo “ mosilafatso oa lefa ".

️ Bohlale ba moruo le lichelete: lenyalo le lumellanang

La finance de demain hape e ipapisitse le bohlale ba moruo. Poleloana Competitive Intelligence e bolela mokhoa o kopanetsoeng ka har'a khamphani o ikemiselitseng ho eketsa tlholisano ea eona ka nako e telele, ka ho matlafatsa mekhoa ea eona ea tebello.

Sengoloa se lokelang ho baloa: Digital finance: the BA BA

Re bua ka strategic intelligence. Bohlale ba moruo bo boetse bo ikemiseditse ho ntlafatsa bokgoni ba khamphani ka ho sebedisa dikgokahano tsa dijithale.

Ka hona, bohlale ba moruo matsatsing ana bo nkuoa e le e 'ngoe ea lisebelisoa tsa ho atleha phetohong ea dijithale ea Likhoebo tse Nyenyane haholo le tse Meholo e Bohareng. Ona ke monyetla oa lik'hamphani tse batlang melemo ea tlholisano.

Qetellong, ho araba potso Ke mefuta efe e tla finance de demain; re ka re tsamaiso ea lichelete ea lefats'e e ntse e tsoela pele 'me e na le mefuta e mengata. The finance de demain e ke ke ea e-ba eona eo re e tsebang kajeno.

Chelete ea moriti, lichelete tsa Maislamo, lichelete tse tala leBohlale ba moruo theha mefuta e mecha ea lichelete.

Leha ho le joalo, haeba u batla ho nka taolo ea lichelete tsa hau ka likhoeli tse tšeletseng, ke khothaletsa tataiso ena haholo.

Re siele maikutlo a hau ho maikutlo.