Kutheni ireyithi yokuhlengahlengiswa isetyenziswe?

Ireyithi ye-reflex ibhekisela kwizixhobo eziqhelekileyo nezisebenzayo apho urhulumente ulawula urhulumente webhanki. Ukuba ngaphambili inkqubo yokuhlengahlengiswa yayijoliswe ekujongeni ukuhanjiswa kwemali, kwihlabathi lanamhlanje lisekelwe ngokusisiseko kuncedo kumaziko emboleko. Kwaye kufuneka kuqatshelwe ukuba kuye kwagqitywa iminyaka emininzi kwaye iphumelele ngempumelelo.

Ngoko, izinga lokuhlengahlengisa li-pesenti yokuba ibhanki yelizwe lelizwe ibangela umboleko wezorhwebo ngokuphathelele ukufumaneka kweengxaki zemali zesikhashana. Ngaloo ndlela, urhulumente uqinisekisa ukuthembeka kwamanqaku ngamatyala, kwaye ngokufanelekileyo, ukuzinza kwenkqubo yebhanki yonke. Emva kwakho konke, njengoko siyazi, ukuwa kwebhanki enye yezorhwebo kunokukhokelela ekuwa kweminye yonke, okuyiyo ngokuqinisekileyo iya kubangela ingxaki kwi-intlamente yelizwe lonke, mhlawumbi nakwihlabathi lonke.

Ngokwenza oko, isantya sokuhlengahlengiswa sisetyenziswe yibhanki kazwelonke rhoqo ngonyaka kwaye ivunyiwe kwimigaqo - mali eyenziwe ngokubambisana namaqela karhulumente. Kakade ke, akusiyo yonke inhlangano inokufumana loo mboleko, kodwa kuphela ukuba nedumela elihle kunye nomlando wekhredithi ephakamileyo. Ngaphezu koko, ukuba ibhanki ephakathi ingabaza ngokunqunyulwa komntu obolekayo, ngoko yenza isigqibo sokugqibela esisekelwe kwingcamango yokuphicotha kwintlangano engaphandle. Emva kokuqinisekisa ukubolekwa ngetyala lokubolekisa, umboleko ukhutshwe ixesha elithile, emva koko iibhanki zorhwebo libuyisela imali esithathiweyo ithathelwa ingqalelo yomdla.

Ubungakanani bezinga lokuhlaziywa yindlela eyona nto yokulungisa utshintsho lwemali ekuhanjisweni. Ngokomthetho okhoyo olawula imisebenzi yamaziko eemboleko, iinkalo eziphambili zemigaqo-mali zivunyiwe yibhanki kazwelonke ngonyaka, ngokukodwa, ukunikezelwa kwemali kujoliswe, ngamanye amazwi, ukusekwa kwemilinganiselo yemida. Ukuba ekuhambeni komsebenzi wokuhlalutya kubonakaliswe ukuba umthamo wemali ojikelezayo ungaphezu komda, izinga lokuhlaziywa kweBhanki Ephakathi liyakwanda. Oku kudala kukhokelela ekunyuseni kweendleko zemali-mboleko ekhutshwe kubemi. Emva koko ababoleki abanokubaluleka kufuneka banciphise kakhulu iindleko ngenxa yokungabikho kwemali yokuhlawula mboleko. Ngako oko, imeko echasayo iyenzeka, ukuba ukwehla okubonakalayo kwenkxaso yemali kuhanjiswa. Isantya sokuphinda siphinde sigxilwe siyancipha, kuya kuba luncedo kumaziko eemboleko ukuboleka kwi-bhanki kazwelonke, oko kuthetha ukuba inzala kwimali-mboleko eyenzelwe kubemi iyancitshiswa kakhulu.

Ndiyabulela kwinkqubo yokuhlengahlengisa, urhulumente ulawula izinga lokukhula kwexabiso lokunyuka kwamaxabiso, ukungavumeli ukuphuhliswa kwenkqubo yokunciphisa imali. Emva koko, xa izinga lokuhlengahlengiswa liyancitshiswa kumyinge omncinci, inani lemali ekusasazweni likhula ngokukhawuleza, oko kuthetha ukuba amandla okuthenga akhula. Inkqubela phambili engalawulwayo yale nkqubo ibangela ukuhlaziywa kwemali kunye nokunciphisa ukubonelelwa kwemveliso kwimarike.