Kodi kuchulukitsa ndikutani?

Kodi kuchulukitsa ndikutani?

Juni 21 • Zogulitsa Zamalonda • 1695 Views • Comments Off pa Kuchepetsa kochuluka ndi chiyani?

Kuchepetsa kuchuluka ndi gulu losiyana lazandalama lomwe mabanki apakati ayamba kutsatira chifukwa njira zachikhalidwe zoyendetsera ndalama, zomwe zimaphatikizapo kusunthira chiwongola dzanja cha kanthawi kochepa, sizinayanjanenso.

Mabanki apakati nthawi zonse amasuntha chiwongola dzanja cha kanthawi kochepa kuti athetse chiwongola dzanja chambiri kudzera mumsika wama interbank - mitengo yomwe mabanki angabwereke wina ndi mnzake. Pambuyo pamavuto azachuma a 2008, komabe, chiwongola dzanja chanthawi yochepa m'maiko ambiri chidayandikira komwe kumadziwika kuti malire ochepa. Chiwongola dzanja chanthawi yayitali chafika pafupi kwambiri ndi zero kotero kuti zidakhala zosatheka kuzitsitsanso kwina kuti zikulitse chuma. Malire otsika a zero amatanthauza kuti chiwongola dzanja chochepa chimakhalabe pamwamba pa zero. Chifukwa chake, mfundo zandalama sizikhala zochepa panthawiyi.

Mphindi mabanki apakati ngati Federal Reserve adazindikira kuti sangagwiritsenso ntchito njira zoyendetsera ndalama, adakhazikitsanso njira ina yotchedwa kuchulukitsa ndalama.

Malo ochepetsera kuchuluka

Choyambirira, kuchepetsa kuchuluka kumakhudza kusintha mitundu yazinthu zomwe banki yayikulu imagula. Njira yokhazikika yosinthira chiwongola dzanja cha kanthawi kochepa imachokera pakugula zinthu zopanda chiopsezo, zazifupi - makamaka maboma aboma. M'malo mwake, pakuchepetsa, mitundu yazinthu zomwe banki yayikulu imagula imasiyanasiyana. Izi zitha kukhala zomangika ndikukhwima kwakutali komanso mitundu yosiyanasiyana yazinthu, monga zotetezedwa ndi makampani wamba. Komabe, nthawi zambiri, zimadalira mtundu wanji womwe banki yayikulu imaganiza.

Mwachitsanzo

Tiyeni tiganizire kwakanthawi kuti banki yayikulu ikwaniritsa chiyani pogula ma bond kwanthawi yayitali. Kugula zomangika kwanthawi yayitali kumawonjezera mtengo wa zomangazo ndikuchepetsa chiwongola dzanja cha nthawi yayitali. Chifukwa chake zotsatira zoyambirira za kugula kwachilendo kumeneku ndikuti amasintha ziyembekezo za chiwongola dzanja chamtsogolo. Izi ndichifukwa choti chiwongola dzanja cha nthawi yayitali, chomwe chimangosinthidwa kukhala chiopsezo, chikuwonetsa ziyembekezo zomwe ziyembekezeredwe mtsogolo kwakanthawi kochepa.

Chifukwa chiyani kutsitsa chiwongola dzanja cha mtsogolo kwakanthawi kochepa kumakhala kwanzeru?

Chifukwa zisankho zachuma zimapangidwa ndi omwe amawonetsa tsogolo lawo omwe ziyembekezo zawo ziziwonekeratu mtsogolo. Chifukwa chake, posintha zomwe akuyembekeza, banki yayikulu imatha kupewa vuto lomwe chiwongola dzanja chakanthawi kochepa sichingatsitsidwe chifukwa chafika kale pa zero. Komabe, zitha kuchepetsanso chiyembekezo chazachuma chamtsogolo mwakuchepetsa chiwongola dzanja cha nthawi yayitali.

Boma likhoza kugulanso masheya operekedwa ndi makampani azabizinesi. Pankhaniyi, pali zotsatira ziwiri. Pali zomwe zimakhudza kukhwima komwe tidatchula. Koma palinso zotsatira zina zofunikira. Banki yayikulu ikayamba kugula zotetezedwa zomwe sizili pachiwopsezo chonse, imayesa kukopa chiwopsezo cha ziwopsezo ndikupereka ndalama kubanki. Poterepa, sikuti banki yayikulu imangopereka nangula wazamafupipafupi a chiwongola dzanja chamtsogolo, komanso imayesetsa kutsitsa chiwongola dzanja ndikuwonjezera kukhazikika kwachuma.

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