Yiziphi amafomu azozenza finance de demain ?

Okwenziwa yibunjwa finance de demain ukuthatha ? Lokhu ukukhathazeka kwalesi sihloko. Eqinisweni, umhlaba wezezimali ushintsha ngokushesha kangangokuthi kuyi-avant-garde ukucabanga namuhla ngokuthi kuzoba yini finance de demain. Empeleni, financeddemain.com waqala ukuzibuza kusukela ngenhlekelele yezimali ka-2008.

Le nkinga ye-subprime yasikhombisa ukuthi uhlelo lwezezimali emhlabeni wonke lwaluntekenteke kangakanani. Ngemuva kwalesi simo esibucayi, ezinye izindlela zezimali ezimbalwa namuhla ezinemiphumela engaba nkulu noma engaphansi ohlelweni lwezezimali zaqala ukuvela.

Kulesi sihloko, ngethula kuwe lezi zindaba amafomu ezezimali ezakha i finance de demain. Ngamanye amazwi, ndawonye sizophendula umbuzo olandelayo: Yiziphi amafomu azozenza finance de demain ?

🌿 Kungani ucabanga finance de demain ?

Uhlelo izwe lezezimali lisesimweni esibi. IKukhona okumele kwenziwe. Sisaqhubeka nokubhekana nezinkinga zezimali kanye nokusetshenziswa kwezimali komnotho. Ngamafuphi, siya ngokuya sibona ukuxhashazwa koMuntu ukuze kuzuze umnotho kanye nezezimali.

Ezezimali inqanyuliwe endimeni yangempela. Kusukela manje kuya phambili umnotho womhlaba udinga imali ehambisana nezimiso zokuziphatha kanye nenhlalakahle yomphakathi okufanele ibe usizo kumuntu.

Eqinisweni, izinto ezintathu eziyiqiniso zenze izisebenzi zethu zokuhlela zibheke ikusasa lezezimali.

✔️ Inkinga yezempilo yeCoronavirus ka-2019

Kulezi zinsuku, akekho ongaphika imiphumela eyonakele ye-COVID19 emnothweni womhlaba. Kuze kube ngu-2021, le nkinga eqale ngo-2019 isaqhubeka nokufuna izisulu, ezingeni labantu, lezomnotho nelenhlalo.

Umthelela wawo emnothweni mkhulu ngenxa yokwehla kokusetshenziswa komhlaba wonke osekuyiminyaka emibili kakade.

Izinkampani eziningi ziye zayiyeka isikhashana imisebenzi yazo ngenxa yokuvalelwa kanzima. Ngenxa yalesi sizathu, izimakethe zezimali ngeke zizinzile kuze kube ukwesaba kanye nenani lamacala amasha ngeke ayeke ukwanda kusukela nhlangothi zombili.

Ngakho-ke, osozimali sebevele becabanga ngemodeli yezezimali engakwazi ukumelana nenkinga engenzeka yalolu hlobo. Imodeli enjalo izovumela izinkampani ukuthi zigweme izinkinga zezimali kule nkinga enjalo.

✔️ Imiphumela emibi yokuhwebelana kwezezimali

Isizathu sesibili sokucabanga ngalokho finance de demain ukuhwebelana kwezezimali. THE imiphumela yokuhwebelana kwezezimali futhi icindezela abacwaningi ukuba bakholelwe ukuthi kuyaphuthuma ukucabanga ngendlela entsha yokwenza ezezimali.

Eqinisweni, ngokuxhumeka kwezimakethe nezikhungo zezezimali, abatshalizimali banethuba lokususa imali yabo ngokushesha besuka kwesinye isikhungo sezezimali baye kwesinye kuye ngamathuba okwenza inzuzo.

Kodwa-ke, le ndlela yokwenza ezezimali iholela ekuzimeleni kwezezimali, ukulahlekelwa amandla eMibuso, i-asymmetry yolwazi kanye ukuthuthukiswa kwezindawo zokukhosela intela.

Uma sikhuluma ngokuzimela kwezezimali, kufanele kukhunjulwe ukuthi ukusebenza kwezezimali kuphakeme kakhulu kunemisebenzi exhumene nokuthengwa kwezimpahla noma amasevisi. Ziya ngokuya zixhunyaniswa nethemba lokuzuza okucatshangelwayo.

Ngakho, sibona ukunqanyulwa komkhakha wezezimali emnothweni wangempela. Lokhu kuyimbangela enkulu yenhlekelele ka-2008.

Ngokuhwebelana kwezezimali, Amazwe alahlekelwe amandla awo. Iziphathimandla zezimali zilahlekelwe amandla azo ukuze kuzuze abatshalizimali abakhulu abazimele.

Ngokutshalwa kwezimali kwabo, laba batshalizimali baba nomthelela emazingeni enzalo namazinga okushintshaniswa kwemali. Yilokhu okugqamisa ukuncika kwezifundazwe “ezibuthakathaka” ezifundeni “eziqinile”.

Ulwazi lwe-asymmetry kanye nezivumelwano zohwebo ezingalungile eminye imiphumela ehlanekezelwe yokuhwebelana kwezezimali. 

Ngalezi zivumelwano, imali esetshenziswayo isuke emazweni asathuthuka iye emazweni anamandla okukhiqiza. Lezi zinkontileka zenze i-United States, ngokwesibonelo, yakwazi ukuheha imali yakwamanye amazwe ukuze ixhase ukusetshenziswa kwayo, ukutshalwa kwezimali kanye nokuqanjwa kabusha. Ukungabi nabulungisa kwezezimali.

I-athikili okufanele ifundwe: Imali mboleko yezindlu: yini okufanele ukwazi ngalezi zindlela zezimali?

Omunye wemiphumela emibi yokuhwebelana kwezezimali ukuthuthukiswa kwezindawo zokukhosela intela. Ukuvela kwezindawo zokukhosela intela kwaqala ngeminyaka yawo-90s. Eqinisweni, indawo yentela iyizwe noma indawo enentela encishisiwe noma eyiziro.

La mazwe asebenzisa umgomo othi “ ncenga-umakhelwane wakho » okubandakanya ukuceba ngemuva kwamanye amazwe. Basemsuka wengxenye enkulu yezikweletu zomphakathi zomhlaba.

Lezi zindawo zentela zivuna ukukhwabanisa imali okungcolile, ukubalekela intela futhi kwandisa ukungalingani emhlabeni, ukuze kuzuze amafemu namabhange ahlukahlukene.

Njengoba ibhekene nalezi zinkinga, uhlelo lwezezimali lomhlaba wonke ludinga izimiso zokuziphatha nokuzibophezela okwengeziwe.

✔️ Izidingo zokuvikela imvelo

Isizathu sesithathu sokucabanga ngalokho finance de demain ukuvikela imvelo.

Ukuthuthuka kwezibalo zabantu nezimboni kuholela ekufudumaleni komkhathi weplanethi, okwenza ungalingani futhi ubeke izakhamuzi zawo engozini. Ngakho, ukuvikelwa kwemvelo kanye yayo izinsiza sekuyindaba esemqoka.

Ngaphezu kwakho konke ukuqaphela ukuhwebelana kwembulunga yonke kwezinkinga zemvelo. Ukwenza lokhu, kufanele sicabange kabusha ngezezimali, sikhulume ngezimali eziluhlaza, ezinomthwalo wemfanelo kanye nezingenzeleli ngokwezimali.

🌿 Yiziphi amafomu azozenza finance de demain ?

Ngenxa yezenzo zesitoko emakethe, la finance de demain izoba namafomu amaningana. Kulesi sigaba sikhuluma nawe ngezezimali zamaSulumane, ezezimali ezifanayo, ezezimali eziluhlaza kanye nobuhlakani bezomnotho.

✔️ Yiziphi amafomu azozenza finance de demain ? : ezezimali eziqotho nezinesibopho

La finance de demain izoqale ibe yi-Islamic. NjengeBhange Lomhlaba, i-International Monetary Fund igxilisa wonke amathemba ayo kwezezimali zamaSulumane.

Le zimali, okuthi noma isezingeni lethiyori kuphela, ibe nesimilo futhi inomthwalo wemfanelo emphakathini. Ukusimamisa uhlelo lwezezimali ngendlela yalo; Izimali zamaSulumane zivimbela umkhuba wokuthakasela, ukuqagela, ukugembula, njll.

Ikhuthaza ukutshalwa kwezimali ezimpahleni ezibonakalayo, i.e. ukutshalwa kwezimali emnothweni wangempela. Ngaphezu kwalokho, incoma ukuthi ukulahlekelwa kanye nenzuzo kwabelwane phakathi kwebhange nekhasimende lalo. ukwenza njalo, Izimali zamaSulumane zinciphisa ukungabi nabulungisa kwezezimali.

Empeleni, uhlelo lwamabhange lamaSulumane lubonwa njengoluzinzile kunokulingana nalo olujwayelekile. Ngesikhathi sezinkinga zezimali zango-2008, amabhange amaSulumane abambelela kahle.

I-athikili okufanele ifundwe: Izimfuneko Zezezimali ZamaSulumane

Lokhu kuqina kungachazwa ngokuthi abazibandakanyi ekuqaguleni, okuyimbangela enkulu yale nkinga. Ngakho-ke, imali izoba yi-Islamic kuqala.

✔️ Izimali ezihambisanayo noma i-shadow banking: ukukhula okumangalisayo

La finance de demain izophinde ibe yilokho esikubiza nge-parallel finance. Ebizwa nangokuthi i-shadow finance, le zimali ihlanganisa kakhulu ukuthengiselana kwezokuphepha, i-crowdfunding kanye nezibambiso zokuboleka nokuboleka imisebenzi. Sekukonke, imisebenzi yasebhange ebalekela ukulawulwa.

I-opaque, eqagelayo, ingozi enkulu, i-systemic, ngisho “ isigebengu "Kwabanye, i-Shadow Banking ichazwa ngabanye njengokuguquguqukayo, okuguquguqukayo, okusungula izinto ezintsha, okujwayele ukuxhasa umnotho wesimanje, kanye nokuhambisana namanethiwekhi amabhange" kulawulwa ngokwedlulele ".

ngokusho umbiko kaLe Monde, imisebenzi yasebhange ithunzi yayingakaze ichume kangaka. Namuhla, lokhu kukhuphuka okusobala kwe-Shadow Banking kubeka engcupheni ukuzinza kohlelo lwezezimali lomhlaba wonke.

Isihloko okufanele sifundwe : Iyini i-Parallel Banking System noma i-Shadow Banking?

Ngendlela efanayo, isihloko sikamagazini i-Bilan silinganisela ukuthi ingozi yezinkinga zezimali namuhla igxile kakhulu “ ezezimali zethunzi », kokubili ngenxa yesisindo sayo kanye neqiniso lokuthi ayikho ngaphansi kwemithetho yokuqapha efanayo nomkhakha wamabhange wendabuko. Ngakho-ke, kufanele sesabe ikusasa le finance de demain ?

✔️ Izimali eziluhlaza: isidingo sekusasa lomhlaba

Ezezimali azisaneliswa kuphela ukuxhasa ngezimali amaphrojekthi anenzuzo. Iphinde icabangele nezindaba zemvelo. "Izimali eziluhlaza" umqondo ochaza izenzo zezezimali nemisebenzi ekhuthaza ukushintshwa kwamandla kanye nokulwa nokufudumala komhlaba.

Le mali ihlose ukuxhasa ngezimali amaphrojekthi angalimazi imvelo. Ngamanye amazwi, noma iyiphi iphrojekthi ehamba ngale ndlela ingathola uxhaso kalula.

Imakethe yezezimali eluhlaza iyakhula futhi yakhiwe kahle. Lapho sithola izibopho eziluhlaza, lo imakethe ye-carbon, lo Ibhonasi yemvelo-malus, ukubekwa kanye nomsebenzi omhlophe kanye izintela zekhabhoni.

Izibopho eziluhlaza zifana nezibopho "eziluhlaza". ezivamile » ngokuthi bamele izibambiso zezikweletu. Kodwa-ke, imali ebolekiwe isetshenziselwa ukuxhasa amaphrojekthi emvelo.

Imakethe yekhabhoni ihlose ukwaba “ amalungelo okungcolisa » ezingashintshwa emakethe. Ngakho-ke, abadlali abafisa ukungcolisa okwengeziwe kufanele bathenge amalungelo engeziwe, okunikeza isisusa sokunciphisa ukukhishwa kwesisi esibamba ukushisa.

Isihloko okufanele sifundwe : Ezezimali eziluhlaza enhliziyweni yezinkathazo zomhlaba

I-bonus-malus ihlose ukukhulisa izindleko zokuthenga izimoto ezingcolisa umoya kanye nokunciphisa izimoto ezingcolisa kancane ukuze kugqugquzelwe ukuthengwa kwazo. Kuwukusetshenziswa komgomo othi “ ongcolisayo uyakhokha ".

✔️ Ubuhlakani bezomnotho kanye nezezimali: umshado ovumelanayo

La finance de demain futhi isekelwe kubuhlakani bezomnotho. Inkulumo ethi Competitive Intelligence isho indlela eyiqoqo ngaphakathi kwenkampani ehlose ukukhulisa ukuncintisana kwayo ngokuhamba kwesikhathi, ngokuqinisa izindlela zayo zokulindela.

Isihloko esizofundwa: Ezezimali zedijithali: i-BA BA

Sikhuluma nge-strategic intelligence. I-Economic Intelligence iphinde ihlose ukuthuthukisa amandla okuqamba kabusha enkampani ngokusebenzisa ukuxhumana kwedijithali.

Ngakho-ke, ubuhlakani bezomnotho namuhla buthathwa njengenye yezindlela zokuphumelela kwenguquko yedijithali Yamabhizinisi Amancane Kakhulu Nanosayizi Ophakathi. Leli yithuba lezinkampani ezifuna izinzuzo zokuncintisana.

Sengiphetha, ukuphendula umbuzo Iziphi amafomu finance de demain; singasho ukuthi uhlelo lwezezimali lomhlaba wonke luyathuthuka futhi lunezinhlobo ezimbalwa. I finance de demain ngeke ngempela kube yilena esiyaziyo namuhla.

I-Shadow Finance, Ezezimali zamaSulumane, green ezezimali kanyeUbuhlakani bezomnotho zakha izinhlobo ezintsha zezimali.

Kodwa-ke, uma ufuna ukulawula izimali zakho ezinyangeni eziyisithupha, ngincoma kakhulu lo mhlahlandlela.

Sishiyele imibono yakho kumazwana.