Kugulitsa Bungwe la Central Bank Pamene Kugwiritsa Ntchito Ndalama Zopanga Ndalama Zowonjezereka

Gawo 19 • Zogulitsa Zamalonda • 4629 Views • 2 Comments pa Zogulitsa Zogulitsa Banki Yaikulu Pomwe Mitengo Yosinthanitsa Ndalama Ndi Yaikulu Kwambiri

Mabanki apakati nthawi zambiri amalowererapo m'misika yamalonda kuti akope ndalama zamalonda ndipo wogulitsa ndalama atha kupanga malonda opindulitsa izi zikachitika. Chifukwa chiyani mabanki apakati amalowerera m'misika? Chifukwa chachikulu ndikukhazikitsa mitengo yosinthanitsa pakakhala kuyamika mwadzidzidzi kapena kutsika komwe kumawopseza kukula kwachuma mdziko. Mwachitsanzo, ngati ndalama yayamikiranso mtengo poyerekeza ndi ndalama zina zakunja kotero kuti zomwe zikutumizidwa kunja tsopano sizipikisana, banki yayikulu ingasankhe kulowererapo. Poterepa, banki nthawi zambiri imagulitsa ndalama zake pamsika.

Chitsanzo chimodzi cha momwe banki yayikulu idalowerera kuti ichepetse ndalama zake ndikusunga mitengo yosinthira ndalama pamipikisano ndi Banki yaku Japan. BoJ idalowererapo pakati pa 2000 ndi 2003 kuti phindu la yen lisatsike kuposa dola yaku US kuti zisungidwe zakunja kwa Japan zizipikisana ndikukhalanso ndi chuma. Mwachitsanzo, mu Okutobala 2001, Bank idagulitsa yen trillion yen ($ 115 biliyoni) pomwe USD / JPY idafika 75.31. Mu Novembala 2011, Banki idatsimikiza kuti idachita `` mobisa '' USD / JPY itafika 75.35, kugulitsa yen triliyoni yen ($ 13.3 biliyoni).

Wogulitsa akakhulupirira kuti kuchitapo kanthu kwatsala pang'ono kuchitika, atha kupindula nawo potsegula malo asanafike pochitika ndikutseka pambuyo poti zotulukapo zake zachitika. Pankhani yothandizidwa ndi Bank of Japan, izi zimaphatikizapo kufupikitsa yen poyigulitsa isanachitike, kenako ndikutseka malo anu powagulanso zitatha. Kuchita malonda kungakhale koopsa, komabe, popeza kusinthitsa ndalama kumatha kukhala kosasinthasintha ndipo malonda atha kukutsutsani.

Ngati mukufuna kuchita nawo malonda, nazi maupangiri okuthandizani kudziwa nthawi yomwe zingachitike:

1. Ngati mukudziwa kuti zomwe zidachitika m'mbuyomu zidachitika pomwe mitengo yosinthira ndalama yafika pamlingo wina, ndiye kuti ina itha kuchitika pamene mlingowo uyambiranso. Komabe, sizikhala zoona nthawi zonse chifukwa banki yayikulu imatha kungoganiza kuti kuchitapo kanthu ndikokwera mtengo kwambiri kapena sikofunikira.
2. Akuluakulu azachuma atha kukuwuzani kuti atsala pang'ono kulowererapo, ndipo mutha kuwayang'anira. Mwachitsanzo, wogwira ntchito ku Banki akaopseza pagulu kuti alowererapo m'misika, zitha kukhala chizindikiro kuti akuyeneradi.

Mukakhulupirira kuti kuchitapo kanthu kwayandikira, nazi malangizo amomwe mungagulitsire mopindulitsa:

1. Gwiritsani ntchito malire ochepa: Ngakhale izi zingachepetse kuchuluka kwa phindu lomwe mumakonda, zimakutetezaninso ku zotayika ngati malonda angakutsutseni.
2. Nthawi zonse ikani ndalama zopangira phindu ndi kuyimitsa anthu kuti ateteze likulu lanu: Tengani phindu liyenera kukhazikitsidwa pamanambala omwe adakwaniritsidwa kale pomwe zotayika zoyimitsa ziyenera kuyikidwa kuti pakhale malo okwanira kusokonekera kusanachitike malo.
3. Ganizirani zolinga zanu potengera momwe ndalama zasinthira m'mbuyomu zomwe zidayambitsa kulowererapo.

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