Iindlela zokuGuqulwa kweMali
Ukuguqulwa kwemali, kwimeko yotshintshiselwano lwangaphandle, yinkqubo yentengiso emisela inani elilinganayo lemali enye xa kuthengiswa nenye. Inkqubo yorhwebo iphawulwa ngokuthenga nokuthengisa ukuze kunyuswe ixabiso lemali yakho. Ngethuba nje abathengi beza kufumana izizathu zokusebenzisa ezinye iimali kunokuba zabo, oku kuguqulwa kuya kuqhubeka ukucacisa ukubaluleka kwemali epokothweni yakho. Kungabonakala kulula kubantu ukuba bajonge njengenkqubo nje yorhwebo. Nangona kunjalo, kukho ubuchwepheshe obuninzi obulawulwa ngolawulo lwemali kunokuba abathengi abaqhelekileyo besazi. Nazi iindlela ezimbini eziqhelekileyo ezisetyenziselwa ukuguqulwa kwemali.
Ixabiso lokuTshintshiselwa kwamanzi
Ireyithi yotshintshiselwano ejikelezayo isondela kuguquko lweemali ngokuthe ngqo ukuba abathengi baya kuba nakho ukuthenga imali ngexabiso abazimisele ukulihlawula. Le ndlela iboniswe kakuhle ziimali ezintathu ezizinzileyo kwihlabathi: i-Dola yaseMelika, iDola yaseCanada, kunye nePonti yase-UK. Qaphela ukuba amazwe apho ezemali sele zikhona akhuphe uqoqosho olomeleleyo ngalo lonke ixesha. Ukudodobala okuncinci kula mazwe kuqoqosho kubuyiselwa umva ngexesha elinokulinganiswa ngokwaneleyo ukuba ixabiso lemali lizinze.
Ireyithi yokuTshintshiselana okuDadayo ixhomekeke kubudlelwane bonikezelo kunye nemfuno. Ukubonelelwa kunye neemfuno zichaphazeleka ngenxa yezinto ezifana nokuhla kwamandla emali, ukwehla kwemali, ibhalansi yorhwebo, kunye notyalo mali lwangaphandle. Xa zonke ezi zinto zilungile, imali ibeka ixabiso elizinzileyo. Ukuba ixabiso lemali lizinzile, abathengi abaninzi baya kuba nakho ukulithenga. Ukuba oku kuyenzeka, ukuguqulwa kwemali kuthatha indawo elungileyo.
Ixabiso lokutshintshiselana
Ngokungafaniyo nenqanaba lotshintshiselwano oludadayo olubonakala ngokuguquguquka, ireyithi yokutshintshiselana ngamakhonkco ilungisiwe kwaye ilawulwa ngurhulumente. Le ndlela iqhelekile phakathi kwamazwe anoqoqosho olungazinzanga okanye ezoqoqosho zisaphuhlayo.
Kuba i-Pegged Exchange Rate ixhomekeke kwimali esemgangathweni efana neDola yaseMelika, inqanaba lokuguqulwa kwelizwe elinokuhlala lingatshintshiyo kangangexesha elithile. Oku kunokwenzeka xa ibhanki ephambili yelizwe igcina isixa esaneleyo semali yamanye amazwe. Ukuba unikezelo lwemali yamanye amazwe luyaphela kwaye ibango lonyuka, ibhanki esembindini ikhupha ngaphezulu kwemali yelinye ilizwe kwintengiso. Ukuba imali yelinye ilizwe ijikeleza kakhulu, ibhanki esembindini iyakunciphisa ukukhutshwa kwayo. Oku kuyichaphazela njani inguqu yemali? Ukuba umthengi ufuna ukuthenga iDola yaseMelika kwilizwe apho ubonelelo lufumanekayo, unokulindela ukufumana isixa esifanelekileyo sokuguqula. Ukuba kwenzeka okuphambeneyo, umntu ofanayo unokufumana kunzima ukuthenga iidola zaseMelika kuba imali yelizwe lakhe isezantsi kunokuba bekulindelwe.
Kuzo zombini iindlela ezisetyenzisiweyo kutshintsho lwemali, umbono woluntu malunga nendlela exabiswa ngayo imali yabo umisela ukuba kufuneka bathenge imali ezinzileyo okanye hayi. Ngelixa izoyikiso zokunyuka kwamaxabiso kunye nemarike yabantsundu zinokwenzeka, injongo yolawulo uqoqosho lwelizwe lunokugcina ixabiso lemali yalo okanye hayi.
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