Bail-Ins Versus Bail-Outs: Ndechipi Kusiyana?
Bail-Ins vs. Bail-Outs
Bhiri-kunze kunoitika apo vashandi vekunze, vakadai sehurumende, vanunura munhu anenge akwereta nokujova mari kuti abatsire kuita chikwereti. Semuenzaniso, vateresi veUnited States vakapa mari kune mabhizimisi makuru eUnited States munguva yematambudziko ehupfumi e2008 kuitira kuti vabatsirwe kugadzirisa chikwereti chavo uye varambe vari mune bhizimisi, kusiyana nekudzikinurwa kune vane chikwereti . Izvi zvakabatsira kuchengetedza makambani kubva kubhadhara, nevateresi vachifungidzira njodzi dzinobatanidza nekukwanisa kwavo kubhadhara zvikwereti.
Maererano neThe Economist, iyo magazini yakagadzira izwi rokuti "bhaari-in", bhaari-in inowanikwa apo uyo akakwereta chikwereti anomanikidzwa kutakura zvimwe zvemutoro nokuva nechikamu chechikwereti chavo chakanyorwa. Semuenzaniso, vashandi vekuCyprus mabhangi uye vanoisa mari mazana emazana makumi maviri emadhora mumabhuku avo vakamanikidzwa kunyora-kurega chikamu chekubata kwavo. Iyi nzira inopedza zvimwe zvengozi kune vanokwereta nokumanikidza vamwe vateresi kuti vaitewo mukutambudzika uye kutambura.
Kunyange zvazvo zvose bhail-ins uye bhail-outs zvakagadzirirwa kuchengetedza chikwereti chekukwereta chichienda, vanotora nzira mbiri dzakasiyana-siyana dzekuzadzisa chinangwa ichi. Bhiri-kunze kunogadzirirwa kuchengetedza chikwereti kufara uye kufara kwezvibereko zvishoma, nepo bhaari-ins inofanirwa mumamiriro ezvinhu apo bhayari-kunze kune zvematongerwo enyika zvakaoma kana zvisingaiti, uye vateresi havakwanisi pane pfungwa yekuregererwa kwechiitiko.
Iyi nzira itsva yakave yakakurumbira munguva yeChirungu cheEuropean Debt debt .
Kushandisa Bhiri-Ins kuPones Save Institutions
Vatongi vakawanda vaifunga kuti pane zvingasarudzwa zviviri zvemasangano anotambudzika muna 2008: vabhadhara mutero webhailouts kana kuparara kwenyika yebhangi. Asi, bhaari-ins nokukurumidza yakava yechitatu yekunakidza nzira yekugadzirisa zvikwereti zvinotambudza kubva mukati, kuburikidza nevatengi vanobvumirana kuti varatidze zvirevo zvavo zvenguva pfupi kana kuti vashande mukugadziriswa. Chigumisiro isimba rakasimba rezvemari risina kukwereta kune hurumende kana kunze kwevanhu vanokanganisa - ivo chete vanokwereta.
Nzira dzakadaro dzakashandiswa mumakambani ekutengesera ndege kuitira kuti dzirambe dzichimhanya munguva yekushungurudzwa kwematambudziko uye mamwe mhirizhonga. Muzviitiko izvi, makambani aya aikwanisa kuderedza mari kune vanobhadhara chikwereti mukutsinhana kwehutano mukambani yakarongeka, kubudirira kuita kuti vateresi vadzivirire zvimwe zvekutsvaga kwavo uye makambani kuti varambe vachifamba. Ndege dzingadai dzichizobatsirwa kubva mune chikwereti chakaderedzwa uye chikwereti chavo - kusanganisira icho chakaendeswa kune vane chikwereti - chaizowedzera mukukosha.
Zvinofadza, bhail-ins inogona kubatsiridza bhail-outs mune dzimwe nguva. Kubudirira kubhadhara-mune vamwe vatengi vanobvisa mamwe matambudziko emari, asi kuchengetedza mari yakawedzerwa kubva kune vamwe kunobatsira mamiriro acho nekusimbisa mushamba kuti sangano richaramba rakasarudzwa.
Asi, njodzi inogara iripo kuti bhaari-mune yevamwe chikwereti ichavhiringidza vamwe kuti vasabatanidzwa, sezvo vachida kutora kuchinja kumwe chete. Izvi zvinokonzera bhaari-ins inonyanya kuwanzana munguva yekushungurudzika kwemasangano kunosanganisira zvikwereti zvakawanda zvemari.
Remangwana reDheil-ins
Kushandiswa kwebhail-ins muCyprus 'kubhadhara kwebhengi kwakakonzera kushungurudza kuti urongwa hwaizoshandiswa kakawanda nenyika apo uchitarisana nematambudziko emari. Mushure mezvose, vezvematongerwo enyika vanogona kudzivisa matambudziko ematongerwe enyika anowanzobatana nevateresi bailouts , asi ane zvipingamupinyi zvinosanganisira kubvumira kukanganisa kwebhangi kunotungamirira kuhutano hwemari huchigadziriswa.
Dambudziko racho, hongu, nderokuti mari yezvisungo ichaita zvakaipa. Bhiri-ins kuve yakakurumbira kunogona kuwedzera mungozi yevashandi uye saka kuwedzera muchero wavanoda kubhadhara mari kune aya masangano.
Izvo zvikwereti zvepamusoro zvekuda zvinogona kukuvadza hutano uye zvinopedzisa zvinodhura zvakanyanya kudarika nguva yakareba kupfuura nguva imwechete yekudzorera nekuita mari yemberi yemberi inodhura.
Mukuguma, vazhinji vezvemari vanobvumirana kuti nyika inogona kuona kuenzaniswa kwezvikwangwani izvi munguva yemberi. NekuCyprus takaita muenzaniso, dzimwe nyika iye zvino dzine template yezviito uye pfungwa yezvinozoitika pashure. Misika yemari, kune rumwe rutivi, inoramba ichizvidya mwoyo sezvo kugoverwa kwemari mumabhangi eCyprus kwakaratidzwa.