Mutongo wehurumende unotsigira pfungwa, asi yakavharwa zvisungo zvakachengeteka here?
Icho chikonzero shure kwezvisungo zvakavharwa zvakajeka. Izvisungo zvinotsigirwa nemari inoyerera inowanikwa kubva kune imwe nzvimbo iri pasi pekuisa dzimba. Bhengi inotenga boka rekutsvaga mari, rinobatanidza, uye rinosunga bhandi inotsigirwa nemari kubva mumari.
Iko kuunganidza kwekutsvaga, iyo inonzi "dziva rakavhara," inosanganisira zvikwereti zvemari kana zvikwereti zvevanhu. Muchirevo ichocho, zvisungo zvakavharwa zvinokonzera kubuda kwemari kune vashandi nenzira yakangofanana neyekusachengetedzwa kwezvinhu zvakachengetedzwa.
Wakachengetwa Bonds Yakachengeteka here?
Pane imwechete yakakosha pakati pezvisungo zvakabatanidzwa uye zvakachengetedzwa zvakasimbiswa, maererano nehutano-hupfumi guru Pimco. "Zvikwereti zvinotsigira chikwangwani chakavharidzirwa chinoramba chiri pachiyero chebhangi rinobuda." Kana kuti, kuisa muchiChirungu chisinganzwisisiki, kana sangano rezvemari rinotengesa bhandi rakavharidzirwa rinoparara, vashandi vari mubhadharo yakavharidzirwa vanochengetedza kupinda kwavo kune "dziva rekufukidza." Saka kana iwe ukatenga bhokisi rakavharwa kubva kuWall Street BigWig Investment Bank uye iyo bhagende inopinda mudumbu, iwe unogona kunge uchiri kutora chikwereti chako-kutora chikwereti uye udzose wako mukuru apo hutano huri kukura.
Mune mamwe mazwi, chisungo chakavharidzirwa chikwereti chinoshandiswa nehurumende chinobudiswa nedare rezvemari asi nehumwe hutete hwekuchengetedzwa kwevatengesi.
Izvo zvakanyanya kudzivirirwa zvinowanzoita muAAA kukohwa kwezvisungo zvakavharwa.
Ndekupi Ndingazvitenga Bond Rakavharwa?
Nzvimbo inonyanya kutsvaga kutenga bhandi yakavharidzirwa iri kuEurope, kunyanya muGermany uko zvisungo zvinonzi Pfandbriefe . Mazvisungo akafanana anogona kuteverwa kusvika kuma1700 muGermany.
Kutenga zvikwereti izvi zvechikwereti pedyo neimba hazvisi nyore, asi zvinhu zviri kuchinja zvishoma nezvishoma.
Mari mbiri dzeUnited States - Bank of America neWashington Mutual - dzakabudiswa zvisungo muna 2006, asi dambudziko rekwereti rakakundwa musati misika risati ikura uye pfungwa yehutano hutsva hwekuchengetedzwa kwemari yakanga isina kunyanya kufarirwa nevatengesi kana vatengesi. Zvadaro US US Treasurer Munyori wenyika Henry Paulson akataura mutsigiri wekutengeswa kwemotokari kutanga kwegore ra2008, uye musi waJuly 15, 2008, Federal Deposit Insurance Corp (FDIC) yakabudisa mirayiridzo pamusoro pekuti zvibvumirano zvakabhadharwa zvaizobhadhara sei kana bhanhire risina kukwana. Asi zvipfeko zvakavharidzirwa zvisati zvisingatarisirwi kubhadharwa kwekutsvaga makore mashanu gare gare muna 2013, uye tinogona kungomirira kuti tione kuti-uye kana - hutungamiri hutsva hwehutungamiri huchavavhiringidza kubva muna 2017.
Unofanira Kutenga Bonderedzwa Yakabvumirwa Here?
Kungofanana nezvimwe zvinhu zvakagadzirwa zvakadai semari yekuchengetedza mari-rekodzero uye chikwereti chinoshandiswa swaps , kusagadzikana uye zvishoma-kushambadzira zvinoda kugadzirisa kusvikidzirwa kwekambani yezvisungo zvekuchengetwa kune zvivako uye nepamusoro-yakazara-vatengi vemari. Uye ichi ndicho chinhu chakanaka. Vatengesi venguva yakareba venguva yakareba vachaona kuti tagara pasi iri nzira uye takaziva kuti kushandiswa kwakaoma kwakagadzirwa nevanhu vakanakisa paWall Street hakusi ikokuchengetedza kwakachengeteka nokuti vakachenjera kupfuura vose vari mumba vanowanzova mbeveve .