Yintoni izinga ekufuneni

Ukuba ufuna ukuqonda ukuba yintoni na izinga mboleko, ngoko usenokuba uqale uqonde kakuhle eli ingqikelelo mboleko. Umthetho we-Russian Federation sicacisa ukuba lo gama kufuneka ziqondwe eRashiya Central Bank uboleka kwamanye amaziko zemali. Yibhanki eyongameleyo ngokwayo liziko zemali kubaluleke kakhulu, kugxininiswa kuzo phantse zonke izibonelelo zemali karhulumente, lo gama "ngokuzithandela" ngokuthi zizinike ukuba nabani abanqwenela nje, ukuba oko kwakuthetha amaziko ngaphezulu okanye ngaphantsi enkulu ngetyala eziluhlobo yorhwebo. Ukususela nokutshitshiswa kwee-Central Bank amawaka, akukho akhuphe mboleko ukuba amawaka ambalwa. Esithi "ngokuzithandela", sithetha ukuba engaphenduli imali ikhredithi amaziko ngenxa yesizathu, kaninzi lwenziwa ngokwemiqathango yembuyekezo kunye impindezelo, yaye ipesenti mkhulu ngokwaneleyo. Umlinganiselo wenzala kule meko efanayo kuwo onke amaziko amatyala, oko ukuthini igama elithi izinga mboleko. Yintoni na bafuna ukwazi abaninzi ngandlel kuchaphazela yokubolekisa isihloko. Kubalulekile ukuqonda ukuba Central Bank wonyulwa kunyaka ngamnye ixabiso ethile kakhulu eli zinga. Ixabiso le parameter yahluka ngaphezulu uluhlu olubanzi ngokufanelekileyo kwaye luxhomekeke kwipesenti zimeko ubunzima.

Yintoni umyinge mboleko, yaye yintoni na ixabiso layo

Kukholelwa ukuba izinga ekukhutshweni kwemali sisalathisi ebalulekileyo yomgaqo-nkqubo wemali ye-Central Bank. Nale kwinqanaba bank sixhobo yahluka izibambiso kwisivuno, ngaloo ndlela kukho uzinzo amaxabiso kulawulwa yi nokukhula kwamaxabiso. Ulawulo emali oluqhutywa phaya ngemeko ethile kakhulu. Sele sibonile ukuba CBR izinga mboleko, ngoku makhe sihlolisise ukulandelelana izenzo ezenzeka kule meko.

Okokuqala, lo Central Bank wenza ukuthoba izinga ekufuneni imali. Emva koko, iibhanki zorhwebo ithuba ukuthatha ngetyala ngakumbi "cheap", nto leyo echaphazela inani zabo zeentengo zemboleko, nayo leyo iba asezantsi. Kubonakala ukuba ngoku abantu zomthetho zendalo kungathatha ngaphandle loans kwiibhanki zorhwebo ayibizi kakhulu. Ngenxa "sigudle" kwi imincili ngabemi, sebeqala ukuzuza mboleko ngakumbi nangakumbi, ukuthenga yonke into abayifunayo kuphela. Isiphumo ukwanda kwemfuno yeempahla kwi koovimba, nto leyo esisizathu sokuba amaxabiso baqalisa ukuba ukuvuka, lo gama ekukhawuleziseni kakhulu izinga lokwenyuka kwamaxabiso. Konke ibe ngunobangela kwenyuka ye-Central Bank mboleko. Mboleko niqalise ukuba ukwenyuka kwamaxabiso, nto leyo echaphazela abemi, ngenxa yokuba ngoku kuthatha kubo ngaphantsi ukulungele, ngoko bazakuthenga ngaphantsi kakhulu. Apha esinayo engqondweni bengengabo ubunewunewu nezinto yabathengi. Oku kunciphisa izinga lokwenyuka kwamaxabiso. Ngeli xesha, kukho ngxi ngokhuselo kwimarike, ukuthenga nokuthengisa kubo kuba azincedi lutho, kuba imali akukho ukuthatha, kwaye mboleko ziya kunikwa ipesenti ephezulu. Isiphumo meko, kuba ukuba ibhanki engundlu-nkulu ukuzama ukuvuselela ngandlel imarike ngokuthotywa izinga mboleko. Le abakwazi kuthiwe ongapheliyo, ekubeni yonke imbali ezininzi izihlandlo iibhanki sibonile ukunyuka nokuhla zesi salathisi. Wena uyayazi into izinga mboleko.

Masijonge ngexesha elinye, oko amacandelo ebomini bethu ukuba uyasetyenziswa. Ukuba amazinga enzala iidipozithi yabantu ebonakalayo ngaphezu izinga ekukhutshweni kwemali kwi-5%, ngoko imali efana iya kutsalelwa irhafu. Ukuba isivumelwano semali-mboleko alukhankanywanga umyinge oqhelekileyo wenzala, ngoko umiselwe elingana izinga mboleko. Kwaye eli nani kubaluleke kakhulu kwezinye iimeko.

Sizicingele oko izinga mboleko, kwaye iyintoni injongo yawo. Kucacile ukuba i parameter kwezoqoqosho ebalulekileyo echaphazela ngqo ubomi wonke.