Satumba 14 • Sharhin kasuwancin • Ra'ayoyin 14810 • 4 Comments akan Jirgin Kudi da Jan Hakoran Zinare
Akwai wani abin al'ajabi da ke faruwa a ko'ina cikin Turai da ake yi masa shiru, batun batun tashi kudi ne kuma yana cikin akwatin Pandora na tattauna batun gwamnatoci da bankunan tsakiya ba za su so su zama wani ɓangare na cin abincin rana ko teburin 'tattaunawar saka jari' a tsakanin talakawa ba. .
“Don haka na garzaya zuwa Barclays a lokacin cin abincin rana, na kwashe kudi na duka, na sayi duk wani tsohon zinare a wajen masu hada-hada, (suna cika ciko hakora yanzu!), Daga nan sai na tsallaka zuwa shagon canjin kudi na musanya fam na ; Francs, Yen, Krone, Aussies da Loonies..Bannen da ke bayan kanti ya ƙare tare da guragu "Loonies Sir?" barkwanci yanzu, ina ji daga karshe ya samu. ”
“Abin ban mamaki ne yadda suke dagewa kan ID na fasfo a shagon kudi domin kawai su canza kudi har sau dari. Wataƙila ɓoye shi a ƙarƙashin gado ba kyakkyawar manufa ba ce, wataƙila '' yan sanda na kuɗi 'za su zo su tashe ni a tsakiyar dare kuma su buƙace shi, ko kuma su ba ni hankali yayin da za a mai da shi ya zama mai kyau yayin kwace duka zinare na..hahahaha, hakan ba zai taba faruwa ba .. zai yiwu? "
Jirgin kuɗi yana bayyana yana faruwa a matakai da yawa, daga cibiyoyin banki har zuwa masu yin burodin dogaro da kuɗin ƙasashe daban-daban na jihohi, dawo da kuɗin ruwa da aka bayar, kuma cikakken tsaro dole ne ya kasance ƙasa da ba a taɓa fuskanta ba tun rikicin banki na 2008-2009. Sabon buzz, canzawa da sakawa cikin kuɗin Scandinavia a matsayin mafaka mai aminci, na iya tattara saurin musamman yanzu Swiss franc ya ɓace (na ɗan lokaci ko akasin haka) yana da aminci wurin matsakaici yayin da yen ba zai iya riƙe matsayinta na madawwama ba.
A zahirin gaskiya bayanin “ajiyar mafaka” na agogo na iya zama (a halin yanzu) ba daidai ba, kuɗaɗen kuɗi za su iya zama a cikin 'tsere zuwa ƙasa' yayin da masu saka hannun jari ke neman zaɓin 'mafi kyawun mafi munin'. Ba wai akwai imani ga manufofin gwamnatin Japan ba, ko masu saka jari suna tunanin babban bankin Switzerland ya gudanar da kyakkyawan aiki yayin rikice-rikicen tun shekara ta 2008, matsayin mafaka na yen da francs sun wanzu saboda ba su da kudin Tarayyar Turai, ko masu saƙo, ko dalar Amurka.
Bankunan Turai suna asara a cikin babban yanki, rikicin bashi ya bar yawancin masu ajiya da masu ajiya masu zaman kansu. Kudaden ajiya a bankunan Girka sun fadi da kashi 19% a cikin shekarar da ta gabata, raguwar ajiyar bankunan Irish ya kasance abin birgewa, ya kusa kai 40% a cikin watanni goma sha takwas da suka gabata. Kamfanonin kuɗi na EU suna ba da rance kaɗan ga juna yayin da kamfanonin kasuwancin kuɗaɗen Amurka suka rage tasirinsu sosai a yawancin bankunan Turai. Wannan halayyar da rashin amincewa suna da matukar mahimmanci saboda alamun alamun watannin da suka gabaci ɓarkewar bashin 2007-2009.
Yayinda ECB ta hau kan farantin don bayar da taimako har zuwa € 500 biliyan, bankunan iri ɗaya suna jingina bayar da lamuni, suna ƙoƙari su zauna a kan ƙarin jarin masu ruwa yayin da kuɗin ke zubar da jini ba zai iya zama mai dorewa ba.
Wannan rashin amana da ajiyar kuɗin jirgi a cikin gida ba wai kawai don adana bankunan Girka da na Irish ko wasu bankunan na PIIGS ba, Jamus ta sami faduwar kashi goma sha biyu daga cibiyoyin kuɗi tun daga shekarar 2010 da raguwar 28% tun daga 2008. A Faransa irin waɗannan abubuwan ajiyar suna da ya ragu da kashi 6% tun daga 2010 kuma Spain ta sami faɗuwa da kashi 14% tun daga Mayu 2010. Amma ga abin mamaki da kwatanta abin da ya sa, duk da jajircewar da gwamnatoci irin su Burtaniya da ECB ke yi don raba kuɗin kiri da na jari, dole ne su damu da kulawa da mutane masu zaman kansu waɗanda ke bin halayen cibiyoyin kuɗi. A cikin Italia ajiyar kuɗaɗen sayar da kayayyaki sun faɗi da 1% kawai tun daga 2010, amma sauran fitowar ta masu ajiya na hukumomi sun ragu da € 100 biliyan a daidai wannan lokacin, ƙarancin 13% da Bankin Italiya da ECB suka tabbatar. Idan ƙananan masu saka hannun jari sun karɓi ayyukan ƙaura na kuɗi ɗaya kamar na cibiyoyi to ana iya fuskantar babban jarin bankuna. Lissafi don ajiyar kuɗaɗen kantin sayar da su yana da wahalar tabbatarwa, duk da haka, hikimar da aka yarda ita ce suna da lissafin kusan 10% na duka. Masu saka jari na 'yan kasuwa a Italiya suma sun mallaki kusan kashi 63% na bashin banki ta hanyar lamuni, kasancewar sun yi' alƙawarin biya 'har zuwa 5% a kan kimanin 0.88% akan kuɗin yau da kullun na abubuwan jan hankali bayyane yake. Koyaya, jirgin sama na duniya daga bankunan Italiya ta abokan cinikin kasuwa na iya zama na ƙarshe.
Bankunan Turai suna ci gaba da tunkarar ECB don taimako, bankunan Girka da na Irish sun ɗauki biliyan combined 100 a watan Agusta kuma Portugal da Spain suna daidai. Lamunin da aka ba da don lamuni a wannan matakin yayin da yiwuwar yaduwar cutar ana ɗaukar haɗari ne mai ban mamaki tare da wasu masu sharhi waɗanda ke kamanta shi da yin shara ta ajiye motoci ba tare da ƙasa cike da ido. Bankunan da ke wajen Girka, Ireland, Fotigal da Spain na da dala tiriliyan 1.7 cikin hadari a rancen ga gwamnatocin kasashen da kamfanonin, da kuma lamuni na kwangila da dangoginsu, a cewar Bankin na Kasashen Duniya. Ga duk wanda ya ɗan rikice game da inda haɗarin yake da kuma abin da kwayar cutar ta ƙarshe zata iya kasancewa akwai adadi kuma wannan shine dalilin da ya sa Tim Geithner yake tattara mil mil ɗin sa yana bashing katin Express na Amurka.
Masu ba da bashi na Girka sun mallaki kusan Euro biliyan 40 na bashin gwamnatinsu. Idan suka dauki asara na kashi 40 ko sama da haka a kan wadancan lamunin, zai shafe dukkan jarin da bankunan kasar suke da shi a cewar Hukumar ta Turai. An riga an rage lamunin gwamnatin Girka da kashi 60 cikin XNUMX a kasuwar sakandare, bisa ga bayanan da Bloomberg ta tattara. Baya ga tsoron sauya fasalin drachma, Girkawa masu wadata suna fitar da kuɗi daga ƙasar don kauce wa sanya asusun bankinsu ya zama wurin masu karɓar haraji. Hakanan wannan ƙarfin yana aiki a cikin Italiya kuma tabbas ya kasance aikin shiru ne a cikin Ireland na ɗan lokaci.
Gaskiyar cewa masu ba da lamuni na Turai yanzu sun koma ga fitar da kuɗi daga yankin ana iya ɗauka a matsayin cin amana na ƙarshe ko abin ban dariya saboda cibiyoyin sun amince da Fed sama da bankunan da suke bayarwa. Kudaden da bankunan kasashen waje ke ajiyewa a asusun Tarayyar Amurka ya ninka zuwa dala biliyan 979 a karshen watan Agusta daga dala biliyan 443 a karshen watan Fabrairu, a cewar bayanan na Fed. Idan ECB sun kasance masu rikitarwa a cikin wannan aikin to madaurin cin amana ya cika. Idan babban banki yana da irin wannan rashin yarda da kuɗin nasa to yana rufe ido kuma yana ƙarfafa tashi zuwa dala ta Amurka, wanda kuma a zahiri yana karɓar kuɗaɗe mai yawa, sakamakon bayar da ƙimar riba mara kyau saboda tsaro, to haƙiƙa sabon low kuma an kai Nadir.
Ga waɗanda daga cikinmu waɗanda ba za su iya yin waya biliyan ko haka ba zuwa bankin New York na Mellon wataƙila shagon kuɗi, masu ba da kuɗi da katifa na iya tabbatar da cewa sun kasance wuraren tsaro. Kawai ka tabbata ka sanya sarkar ƙofar yayin amsar ƙofar da daddare kuma koyaushe ka nemi shaidar ganewa.
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Jirgin Kudi da Jan Hakoran Zinare
Satumba 14 • Sharhin kasuwancin • Ra'ayoyin 14810 • 4 Comments akan Jirgin Kudi da Jan Hakoran Zinare
Akwai wani abin al'ajabi da ke faruwa a ko'ina cikin Turai da ake yi masa shiru, batun batun tashi kudi ne kuma yana cikin akwatin Pandora na tattauna batun gwamnatoci da bankunan tsakiya ba za su so su zama wani ɓangare na cin abincin rana ko teburin 'tattaunawar saka jari' a tsakanin talakawa ba. .
“Don haka na garzaya zuwa Barclays a lokacin cin abincin rana, na kwashe kudi na duka, na sayi duk wani tsohon zinare a wajen masu hada-hada, (suna cika ciko hakora yanzu!), Daga nan sai na tsallaka zuwa shagon canjin kudi na musanya fam na ; Francs, Yen, Krone, Aussies da Loonies..Bannen da ke bayan kanti ya ƙare tare da guragu "Loonies Sir?" barkwanci yanzu, ina ji daga karshe ya samu. ”
“Abin ban mamaki ne yadda suke dagewa kan ID na fasfo a shagon kudi domin kawai su canza kudi har sau dari. Wataƙila ɓoye shi a ƙarƙashin gado ba kyakkyawar manufa ba ce, wataƙila '' yan sanda na kuɗi 'za su zo su tashe ni a tsakiyar dare kuma su buƙace shi, ko kuma su ba ni hankali yayin da za a mai da shi ya zama mai kyau yayin kwace duka zinare na..hahahaha, hakan ba zai taba faruwa ba .. zai yiwu? "
Jirgin kuɗi yana bayyana yana faruwa a matakai da yawa, daga cibiyoyin banki har zuwa masu yin burodin dogaro da kuɗin ƙasashe daban-daban na jihohi, dawo da kuɗin ruwa da aka bayar, kuma cikakken tsaro dole ne ya kasance ƙasa da ba a taɓa fuskanta ba tun rikicin banki na 2008-2009. Sabon buzz, canzawa da sakawa cikin kuɗin Scandinavia a matsayin mafaka mai aminci, na iya tattara saurin musamman yanzu Swiss franc ya ɓace (na ɗan lokaci ko akasin haka) yana da aminci wurin matsakaici yayin da yen ba zai iya riƙe matsayinta na madawwama ba.
A zahirin gaskiya bayanin “ajiyar mafaka” na agogo na iya zama (a halin yanzu) ba daidai ba, kuɗaɗen kuɗi za su iya zama a cikin 'tsere zuwa ƙasa' yayin da masu saka hannun jari ke neman zaɓin 'mafi kyawun mafi munin'. Ba wai akwai imani ga manufofin gwamnatin Japan ba, ko masu saka jari suna tunanin babban bankin Switzerland ya gudanar da kyakkyawan aiki yayin rikice-rikicen tun shekara ta 2008, matsayin mafaka na yen da francs sun wanzu saboda ba su da kudin Tarayyar Turai, ko masu saƙo, ko dalar Amurka.
Bankunan Turai suna asara a cikin babban yanki, rikicin bashi ya bar yawancin masu ajiya da masu ajiya masu zaman kansu. Kudaden ajiya a bankunan Girka sun fadi da kashi 19% a cikin shekarar da ta gabata, raguwar ajiyar bankunan Irish ya kasance abin birgewa, ya kusa kai 40% a cikin watanni goma sha takwas da suka gabata. Kamfanonin kuɗi na EU suna ba da rance kaɗan ga juna yayin da kamfanonin kasuwancin kuɗaɗen Amurka suka rage tasirinsu sosai a yawancin bankunan Turai. Wannan halayyar da rashin amincewa suna da matukar mahimmanci saboda alamun alamun watannin da suka gabaci ɓarkewar bashin 2007-2009.
Yayinda ECB ta hau kan farantin don bayar da taimako har zuwa € 500 biliyan, bankunan iri ɗaya suna jingina bayar da lamuni, suna ƙoƙari su zauna a kan ƙarin jarin masu ruwa yayin da kuɗin ke zubar da jini ba zai iya zama mai dorewa ba.
Wannan rashin amana da ajiyar kuɗin jirgi a cikin gida ba wai kawai don adana bankunan Girka da na Irish ko wasu bankunan na PIIGS ba, Jamus ta sami faduwar kashi goma sha biyu daga cibiyoyin kuɗi tun daga shekarar 2010 da raguwar 28% tun daga 2008. A Faransa irin waɗannan abubuwan ajiyar suna da ya ragu da kashi 6% tun daga 2010 kuma Spain ta sami faɗuwa da kashi 14% tun daga Mayu 2010. Amma ga abin mamaki da kwatanta abin da ya sa, duk da jajircewar da gwamnatoci irin su Burtaniya da ECB ke yi don raba kuɗin kiri da na jari, dole ne su damu da kulawa da mutane masu zaman kansu waɗanda ke bin halayen cibiyoyin kuɗi. A cikin Italia ajiyar kuɗaɗen sayar da kayayyaki sun faɗi da 1% kawai tun daga 2010, amma sauran fitowar ta masu ajiya na hukumomi sun ragu da € 100 biliyan a daidai wannan lokacin, ƙarancin 13% da Bankin Italiya da ECB suka tabbatar. Idan ƙananan masu saka hannun jari sun karɓi ayyukan ƙaura na kuɗi ɗaya kamar na cibiyoyi to ana iya fuskantar babban jarin bankuna. Lissafi don ajiyar kuɗaɗen kantin sayar da su yana da wahalar tabbatarwa, duk da haka, hikimar da aka yarda ita ce suna da lissafin kusan 10% na duka. Masu saka jari na 'yan kasuwa a Italiya suma sun mallaki kusan kashi 63% na bashin banki ta hanyar lamuni, kasancewar sun yi' alƙawarin biya 'har zuwa 5% a kan kimanin 0.88% akan kuɗin yau da kullun na abubuwan jan hankali bayyane yake. Koyaya, jirgin sama na duniya daga bankunan Italiya ta abokan cinikin kasuwa na iya zama na ƙarshe.
Bankunan Turai suna ci gaba da tunkarar ECB don taimako, bankunan Girka da na Irish sun ɗauki biliyan combined 100 a watan Agusta kuma Portugal da Spain suna daidai. Lamunin da aka ba da don lamuni a wannan matakin yayin da yiwuwar yaduwar cutar ana ɗaukar haɗari ne mai ban mamaki tare da wasu masu sharhi waɗanda ke kamanta shi da yin shara ta ajiye motoci ba tare da ƙasa cike da ido. Bankunan da ke wajen Girka, Ireland, Fotigal da Spain na da dala tiriliyan 1.7 cikin hadari a rancen ga gwamnatocin kasashen da kamfanonin, da kuma lamuni na kwangila da dangoginsu, a cewar Bankin na Kasashen Duniya. Ga duk wanda ya ɗan rikice game da inda haɗarin yake da kuma abin da kwayar cutar ta ƙarshe zata iya kasancewa akwai adadi kuma wannan shine dalilin da ya sa Tim Geithner yake tattara mil mil ɗin sa yana bashing katin Express na Amurka.
Masu ba da bashi na Girka sun mallaki kusan Euro biliyan 40 na bashin gwamnatinsu. Idan suka dauki asara na kashi 40 ko sama da haka a kan wadancan lamunin, zai shafe dukkan jarin da bankunan kasar suke da shi a cewar Hukumar ta Turai. An riga an rage lamunin gwamnatin Girka da kashi 60 cikin XNUMX a kasuwar sakandare, bisa ga bayanan da Bloomberg ta tattara. Baya ga tsoron sauya fasalin drachma, Girkawa masu wadata suna fitar da kuɗi daga ƙasar don kauce wa sanya asusun bankinsu ya zama wurin masu karɓar haraji. Hakanan wannan ƙarfin yana aiki a cikin Italiya kuma tabbas ya kasance aikin shiru ne a cikin Ireland na ɗan lokaci.
Gaskiyar cewa masu ba da lamuni na Turai yanzu sun koma ga fitar da kuɗi daga yankin ana iya ɗauka a matsayin cin amana na ƙarshe ko abin ban dariya saboda cibiyoyin sun amince da Fed sama da bankunan da suke bayarwa. Kudaden da bankunan kasashen waje ke ajiyewa a asusun Tarayyar Amurka ya ninka zuwa dala biliyan 979 a karshen watan Agusta daga dala biliyan 443 a karshen watan Fabrairu, a cewar bayanan na Fed. Idan ECB sun kasance masu rikitarwa a cikin wannan aikin to madaurin cin amana ya cika. Idan babban banki yana da irin wannan rashin yarda da kuɗin nasa to yana rufe ido kuma yana ƙarfafa tashi zuwa dala ta Amurka, wanda kuma a zahiri yana karɓar kuɗaɗe mai yawa, sakamakon bayar da ƙimar riba mara kyau saboda tsaro, to haƙiƙa sabon low kuma an kai Nadir.
Ga waɗanda daga cikinmu waɗanda ba za su iya yin waya biliyan ko haka ba zuwa bankin New York na Mellon wataƙila shagon kuɗi, masu ba da kuɗi da katifa na iya tabbatar da cewa sun kasance wuraren tsaro. Kawai ka tabbata ka sanya sarkar ƙofar yayin amsar ƙofar da daddare kuma koyaushe ka nemi shaidar ganewa.
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« Rashin aikin yi a Amurka na haifar da Talauci Jarin sunan, Eurobond »