Konke mayelana ne-Shadow Banking
Ngemuva kwezimali zendabuko kufihla uhlelo lwezezimali oluvulekile olubizwa ngokuthi “i-shadow banking. ⚫ Le nethiwekhi yezikhungo nemisebenzi ngokwengxenye ibalekela imithetho yendabuko. Ithonya lakhe elikhulayo likhathaza abalawuli, ikakhulukazi njengoba waba neqhaza elikhulu enhlekeleleni yango-2008. 🔻
I-Shadow Banking, noma “ezezimali zethunzi", ihlanganisa i-hedge funds eqagelayo, izinkampani ezihweba kakhulu kanye nezimoto eziyinkimbinkimbi zokutshala izimali. Ukusebenza kwawo akwaziwa kahle emphakathini. 🔍 Nokho izungeza ukuhamba kwezimali okukhulu emhlabeni wonke.
Kulesi sihloko, thola ukuthi iyini ngempela i-shadow banking, isikali sayo, ababambiqhaza bayo ababalulekile kanye nezingozi ezingaba khona ekuzinzeni kwezezimali emhlabeni jikelele. Kodwa ngaphambi kokuthi siqale, nakhu Ungawuxhasa kanjani kangcono umhlalaphansi wakho wesikhathi esizayo?
Thola 200% Ibhonasi ngemuva kwediphozithi yakho yokuqala. Sebenzisa le khodi yephromo: argent2035
Zicwilise kahle ezimfihlakalweni zezimali zethunzi!
📍 Yini i-shadow banking?
I-Shadow Banking iqoka bonke abadlali nemisebenzi yezezimali lokho zenzeka ngaphandle kohlelo lwamabhange kulawulwa ngokwesiko. 🏦
Lokhu kufaka phakathi izikhungo ezifana ne-hedge funds, izimali zemakethe yemali, amafemu ahweba kakhulu. I-Shadow banking ihlanganisa nezisetshenziswa zezimali ezifana okuphuma kokunye okungalawulwa kwe-OTC. 📉
Ngokungafani namabhange okuhweba, izinhlangano ku i-shadow banking ngokuvamile ayiqoqi idiphozithi futhi abanakho ukufinyelela ekuxhasweni kabusha kwebhange elikhulu. 💵
Imisebenzi yabo ayigadwa kakhulu yiziphathimandla futhi inokuvumelana nezimo okukhulu kokulawula. Lesi simo sidalula uhlelo lwezezimali ezingozini ezikhulayo zokuntengantenga.
📍 Yingakanani i-shadow banking?
I-Shadow banking imele ingxenye ebalulekile yesistimu ezezimali zomhlaba. Ngokwe-FSB, ngo-2020 yafinyelela kuma-dollar ayizigidi eziyizinkulungwane ezingama-50, noma cishe ingxenye yohlelo lwamabhange olujwayelekile.
E-USA, isisindo sawo sikhulu nakakhulu. I-Shadow Banking iphethe impahla engaphezu kuka-$15 trillion lapho. Ibusa kakhulu amabhange endabuko.
I-athikili okufanele ifundwe: Ukuthenga indawo ethengiswayo entsha noma endala ❓
E-Europe, i-UK iyikhaya lesikhungo sezimali esikhulu kunazo zonke esinethunzi, esinempahla engaphezu kuka-£3 trillion. Okulandelayo kuza iSwitzerland, iLuxembourg ne-Ireland.
Nakuba kunzima ukuhlola ngokunembile, ithonya elikhulayo le-shadow banking alikwenzi Akungatshazwa. Izingozi ezingase zibe khona zikhathaza abalawuli, ikakhulukazi njengoba ukusebenzelana kwayo nohlelo lwamabhange oluvamile lwanda.
📍 Obani abadlali ababalulekile ekubhangeni kwethunzi?
I-Shadow Banking ihlanganisa izikhungo ezihlukahlukene. Nazi ezinye ezibaluleke kakhulu:
- Izimali zothango eziqagelayo 📉, isebenza kakhulu ezimakethe zesikhathi esizayo kanye nokuphuma kokunye okuyingozi.
- Imali yemakethe yemali 💵, ehlinzeka ngamasevisi eduze namabhange kodwa ngaphandle kwesiqinisekiso somphakathi.
- Izinkampani zama-brokerage kanye nokuhweba okunemvamisa ephezulu 💻, umsebenzi wayo ongekho sobala kakhulu.
- Les ezinye izimali zokutshala izimali ⚖️, enamasu ayinkimbinkimbi abalekela imithetho evamile.
- Les izinhlangano ezihlelekile 🏢, njengezimoto zesikhashana ezisetshenziswa amabhange ukususa izimpahla eziyingozi kumashidi awo ebhalansi.
Abatshalizimali bezikhungo abanamandla njengezikhwama zempesheni 👴👵 nabo banendawo evelele.
📍 Yiziphi izingozi ze-shadow banking?
Nakuba kwenza kube nokwenzeka ukuhlukanisa imithombo yezimali, i-shadow banking ayikho ngaphandle kwengozi. Izingozi zayo eziyinhloko yilezi:
- Un ukuzuza ngokweqile 📈📉, amabhizinisi angamathunzi angekho ngaphansi kwezidingo zekhephithali ezifanayo namabhange.
- Un ukungabi sobala 🔍, imisebenzi eminingi ebalekela izibopho zokushicilela ulwazi.
- Ukumiswa kwenkokhelo uma kunesimo esibucayi ⛓, akekho obolekisa ngemali okokugcina onikezwayo ngokungafani nohlelo lwamabhange olujwayelekile.
- a ukusabalala kwengozis 💥 emkhakheni wamabhange olawulwayo, ngenxa yokukhula kwezixhumanisi phakathi kwalezi zinhlelo ezimbili.
- des amathuba anda yokuxhashazwa kwemali engcolile 💰, ngenxa yokuntuleka kokuqapha kwezifunda ezithile zezezimali ezingacacile.
- des izingozi ezinkulu zesistimu 💥💥 esimweni sokuwa kungazelelwe kwalesi simiso esingabonakali, njengoba kuboniswa inhlekelele ka-2008.
📍 Yiziphi izinguquko zakamuva zokulawula?
Ngemuva kwenkinga yezimali, abalawuli bafuna ukulawula kangcono ukubhengezwa kwethunzi, okunemiphumela elinganiselwe.
I-FSB yathuthukisa izincomo ngo-2011 zokuqapha uhlelo lwamabhange ethunzi futhi lunciphise ukweqisa kwalo. Eminye isetshenzisiwe, njengesibopho sokubika ukuthengiselana kokuphuma kokunye.
I-athikili okufanele ifundwe: Neobanks kanye nokwehliswa kwemali ekhokhwayo yasebhange
Kodwa izindawo eziningi eziyimpumputhe zokulawula zisekhona. Ukuxhumana okudingekayo kwamazwe ngamazwe kuza ngokumelene ne izithakazelo ezihlukene zamazwe amakhulu. Kusenendlela ende okufanele kuyiwe ekulawuleni ngempumelelo i-shadow banking!
📍 Yayiyini indima ye-shadow banking enhlekeleleni yango-2008?
Uhlelo lwamabhange omthunzi ludlale indima ebalulekile ekuvuseni nasekusabalaliseni inkinga yezezimali ka-2007-2008.
Amabhizinisi amaningi anethunzi njengezimoto ezinenhloso ekhethekile (ama-SIV, amapayipi, njll.) aye axhunyaniswa nemakethe yezemali yezindlu yase-US ecashile edale le nkinga. Babethenga wathola izikweletu ezimbi ngamabhange.
lapho imakethe ye-subprime zawa, lezi zimoto azikwazanga ukukhokhela izikhundla zazo futhi zaqothuka. Ukutheleleka kwabe sekusakazekela emkhakheni wamabhange wendabuko. 💥💥
I-Hedge funds nayo inakho yandisa inkinga ngokuqagela ku-CDS. Izimali zemakethe yemali zihlangabezane nokumiswa okukhulu kokuhlengwa, okudinga ukungenelela komphakathi.
Lokhu okuhlangenwe nakho kwabonisa ukuthi ukungasebenzi kahle kwebhange le-shadow kungenza kanjani ukuthunaza lonke uhlelo ezezimali kanye nomnotho wangempela.
📍 Liyini ikusasa le-shadow banking?
Naphezu kwezingozi, i-shadow banking kufanele iqhubeke ikhula eminyakeni ezayo.
Amazinga enzalo aphansi kanye nokusesha kwabatshalizimali ukuthola isivuno kufanele vuselela lolu hlelo olungalawulwa, enenzuzo enkulu kodwa engazinzile.
Intuthuko yezobuchwepheshe efana ne-blockchain ingase futhi ikhuthaze ukuvela kwemisebenzi emisha yezezimali ebalekela abalawuli bendabuko.
Thola 200% Ibhonasi ngemuva kwediphozithi yakho yokuqala. Sebenzisa le khodi yephromoshini esemthethweni: argent2035
Inselele izoba ukuhlanganisa kangcono i-shadow banking ekuqondisweni kwezimali emhlabeni jikelele, ngaphandle kokuvimbela ukuqanjwa kabusha. Umsebenzi onzima ozodinga ukubambisana okwengeziwe kwamanye amazwe!
🏁 Ukuvala
Ubukhulu bebhange bethunzi bubonisa isidingo sokulawulwa okungcono imisebenzi yezezimali eyingozi emhlabeni jikelele. Amaphutha ohlelweni kufanele alungiswe ukuze kugwenywe izinkinga ezintsha ezibhubhisayo njengaleyo yango-2008.
Ithunzi lezezimali ayikakalungeli ukunyamalala, kodwa kufanele ihlanganiswe kangcono kunethiwekhi yokulawula yonkana. Kufanele kuqiniswe ukucaca nokuqapha kwayo. Abalawuli basenomsebenzi wabo osikelwe bona!
I-athikili okufanele ifundwe: Vula i-akhawunti yasebhange eku-inthanethi engu-100%.
Izwe lezezimali ilokhu ivela njalo. Umdlalo wekati negundane phakathi kwabadlali abasethunzini kanye neziphathimandla kulindeleke ukuthi uqhubeke, phakathi kwezindawo ezimpunga kanye nemizamo yokulawula. Into eyodwa iqinisekile: i-shadow banking inekusasa eliqhakazile ngaphambili kwayo eminyakeni ezayo!
Kodwa ngaphambi kokuba uhambe, nansi Indlela Yokudala Isipho Sebhizinisi Esingenakuvinjelwa
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