Konke malunga nokunyuka kwamaxabiso

Yintoni ukunyuka kwamaxabiso? Uqoqosho belukwintshukumo eqhubekayo okoko impucuko yaqala utshintshiselwano lwayo lokuqala. Ukususela ngoko kunye nanamhla, iimveliso ezintsha kunye neenkonzo zihlala zivela, ngoko ke amaxabiso ayahluka ukusuka kwixesha ukuya kwixesha.

Ezi mpahla zinokufunyanwa ngokubulela kwiimali ezisemthethweni zezizwe ezahlukeneyo okanye amaqumrhu aphezulu, umzekelo i-euro kwi-European Union.

Ngaloo ndlela, onke amazwe aneeparameters ezahlukeneyo zokuhlalutya ukuguquka koqoqosho lwabo kunye neziganeko ezenzeka kuyo. Enye yezona zinto zixhaphakileyo kukunyuka kwamaxabiso, oko kukuthi, ukunyuka kwamaxabiso ngokubanzi okukhokelela ekunciphiseni amandla okuthenga abantu, ukunciphisa amandla abo okuthenga kunye nokonga kwabo.

Makhe siye

🥀 Yintoni ukunyuka kwamaxabiso kuqoqosho?

Sinokukuchaza ukunyuka kwamaxabiso njengokunyuka kwamaxabiso okwenzeka kwimpahla okanye kwiinkonzo ngexesha elithile. Kwakhona kunokuchazwa njengokuhla kwexabiso lemali. Ukuphakama kwexabiso lokunyuka kwamaxabiso, iimpahla ezincinci esinokuzisebenzisa ngesixa esifanayo semali.

Isalathiso somlinganiselo wokugqwesa ngu isalathisi samaxabiso omthengi (CPI). Esi salathiso sinefuthe elithe ngqo ekunyukeni kwemivuzo, ipenshoni, iingqeshiso kunye nezinye iingqiqo ezitshintshwayo ngokweCPI.

🥀 Iimbangela zokunyuka kwamaxabiso

Phakathi kwemvelaphi yokutshintsha kwamaxabiso zezinye zezona zizathu eziqhelekileyo ezinegalelo kwisiphumo sokunyuka kwamaxabiso. Okubaluleke kakhulu kukungalingani okwenzeka phakathi unikezo nemfuno, ngenxa yokuba abathengi abaninzi bafuna izinto ezinqabileyo.

Nangona kunjalo, ukubaluleka okufanayo kufuneka kunikwe imeko echaseneyo: ukubonelelwa ngokugqithisileyo kubi kwilizwe, kuba akukho mfuneko yokuyicinga kwaye umphumo ochasene nokunyuka kwamaxabiso kwenzeka, oko kukuthi deflation.

Nangona kunjalo, imeko yokugqibela kufuneka ilawulwe kuba ukungalingani kunokwenzeka kwinkqubo ukuba, nangona kukho imali kwimarike, imfuno ayinyuki.

🥀 Iindidi okanye izidanga zokunyuka kwamaxabiso

Emva kokuba sibonile izizathu ezikhuthaza ukuhla kwamandla emali, kufuneka sazi amaqondo apho inokwenzeka khona:

✔ Ukunyuka kwamaxabiso okuphakathi

Oku kukunyuka okuncinci kwamaxabiso, okungadluli kwi-10% ngonyaka. Apha ukunyuka kwexabiso kuhlala phakathi 2% kunye ne-4%, engaphezulu koko iingcali zezoqoqosho zikubona kufanelekile kuhlumo loqoqosho, kodwa hayi kakhulu. Kucingelwa ukuba kula manqanaba iibhanki ezingoovimba zinezixhobo ezaneleyo zokusebenza kwaye zibuyisele eli nqanaba lokunyuka kwamaxabiso kwindawo yolawulo.

✔ Ukunyuka kwamaxabiso

Inefuthe elibi kakhulu kuqoqosho lwelizwe njengoko ukunyuka kwamaxabiso kunyuka ukuya kutsho kabini okanye kathathu ngonyaka. Ngokuthoba ixabiso lemali, abantu bagxila ekusebenziseni kwabo ikakhulu kwizinto eziyimfuneko.

✔ emali

Olu qikelelo lwamva lubonisa ukuba ilizwe likwimeko embi yezoqoqosho. Ngokutsho kukaSteve Hanke, unjingalwazi kwiYunivesithi yaseJohns Hopkins, kudliwano-ndlebe lweBBC: “Ngokomthetho, ubugcisa bezoqoqosho buyavuma ukuba ukunyuka kwamaxabiso kubakho xa izinga lokunyuka kwamaxabiso lingaphezu kwama-50% ngenyanga. Ngenxa yoko, ixabiso lemali liyehla.

Xa ukunyuka okuphawulekayo kokunyuka kwamaxabiso kukhatshwa kukudodobala koqoqosho, kukho ukudodobala kwamaxabiso: ingcamango egama layo laqanjwa ngengxaki yeoli yeminyaka yee-1970 enefuthe elibi lokunyuka kwamaxabiso ezinto ezihamba nokukhula koqoqosho olubuthathaka kumazwe aliqela.

✔ Ukunyuka kwamaxabiso aphezulu

Kukunyuka kwexabiso okungaphezulu 3-4% kodwa ayifikeleli kwi-10% ngonyaka. Ukuba yinto yethutyana, njengoko kwenzekile ekuqaleni kuka-2021 ngenxa yesiphumo sokuthelekisa kunye nesiqingatha sokuqala esinzima kakhulu se-2020, ayisiyongxaki enkulu, kodwa ukuba iyaqhubeka ekuhambeni kwexesha, ukukhukuliseka okuvelisayo okonga nako. okomele kakhulu.

🥀 Ukunyuka kwamaxabiso kuchaphazela njani uqoqosho?

✔ Ukunyuka kwamaxabiso kwinqanaba le-macroeconomic

Xa sithetha ngemiphumo yokunyuka kwamaxabiso kwinqanaba le-macroeconomic, okokuqala ngokucacileyo ukunyuka kwamaxabiso. Ngamanye amazwi, yonke into ibiza kakhulu njengoko besitshilo ekuqaleni. Sinokuthenga okuncinci ngokufanayo, ekugqibeleni okuchaphazela i-wallet yethu, njengoko siza kubona kamva.

Ewe, kufuneka sicace ukuba ukunyuka kwamaxabiso akufanele kube ligama elinentsingiselo engalunganga: ukunyuka kwamaxabiso okuphantsi okanye okulawulwayo kusibonisa ukuba uqoqosho lwelizwe lukwixesha elihle lokuchuma, ekubeni abemi abalahlekelwa amandla okuthenga kunye nokunyuka kwamaxabiso. ukuba abantu bayatya, phakathi kwezinye izalathisi.

Ukunyuka kwamaxabiso okulawulwayo kuthathwa njengenzuzo kuqoqosho lwelizwe, ngakumbi ukuphepha iimeko ezinokubakho zokuhla kwamandla emali.

✔ Ukunyuka kwamaxabiso kuyichaphazela njani imali yokonga?

Malunga nendlela ukunyuka kwamaxabiso okuchaphazela ngayo ukonga kwethu, sinokufumana iindlela ezahlukeneyo. Ukunyuka kwamaxabiso aphezulu kuchaphazela uqoqosho lwethu lwesizwe njengoko siphulukana namandla okuthenga ngokuba nemali yethu “phantsi komatrasi”.

Oko kukuthi, ukuba imali yethu iyayeka kwaye ukunyuka kwamaxabiso kunyuka, kuya kuphulukana nexabiso layo ngokuthe ngcembe: Ukunyuka kwamaxabiso kuya kuyiqwenga. Yiyo loo nto sihlala sithetha “ inflation monster ».

Xa kuziwa kwimivuzo, uRhulumente uyanyuka ngokubanzi owona mvuzo uphantsi interprofessional xa inyuka, Kodwa akusoloko kunjalo. Ngokuphathelele imivuzo, xa ukunyuka kwamaxabiso kunyuka, urhulumente udla ngokunyusa owona mvuzo uphantsi.

Kwaye xa kufikwa ekubolekeni imali, kufuneka sikhumbule ukuba xa ukunyuka kwamaxabiso kungaphezulu koko bekulindelwe, iibhanki ezingoovimba zinyusa inzala ukuze zingaqhubeki. Ngoko ke, ukuba, umzekelo, une-mortgage umdla oguquguqukayo, intlawulo yakho iya kwanda.

Ukuba awufuni ukulahlekelwa yimali ngokunyuka kwamaxabiso, isisombululo kukutyalomali. Iingxowa-mali ezihlangeneyo zezona ntshaba zibalaseleyo zokunyuka kwamaxabiso, njengoko zisivumela ukuba sifumane imbuyekezo kwimali yethu ngokuyinqanda ekuthotyweni ngexesha xa iyekile.

✔ Eminye imiqathango enxulumene nokunyuka kwamaxabiso

• Ukulinganisa: urhulumente uvuselela uqoqosho ngobuqhetseba ukuba boyise ukudodobala koqoqosho.
• Ukutshatyalaliswa kwamaxabiso: Amaxabiso ayenyuka, kodwa ngaphantsi kunangaphambili, nto leyo ehlisa izinga lokunyuka kwamaxabiso.
• Ukunyuka kwamaxabiso okungundoqo: Yidatha echanekileyo okanye isalathisi esibonisa ukuguquguquka kwamaxabiso abathengi kwixesha elifutshane. Ushiya ecaleni ukungazinzi okubangelwa ngamaxabiso ombane, phakathi kwabanye.
• Ukunyuka kwexabiso: Kwenzeka xa ukunyuka kwamaxabiso kunye nentswela-ngqesho kuphakama ngaxeshanye ngelixa kukho ukudodobala kwe-GDP ngamaxesha obunzima bezoqoqosho.