Dambudziko Dambudziko Dambudziko Nokurapa

Chinoita Kuti Usakwanise Kugadzirisa Chikwereti chehurumende Chinomuka Nenzira Iyoyo Inogadzirisa Yako

Chikwereti chikwereti ndechekuti ani naani, kana iwe, bhizimisi rako kana nyika yako, ane chikwereti kupfuura chavanogona kubhadhara muzvikwereti. Zvisinei, nyika inobatsira zvikuru pamusoro pako-inogona kudhinda mari yayo. Tsvaga kuti sei kuchema mari, iyo ndiyo nzira yakanakisisa yokuti iwe uwane chikwereti, inogona kuva iyo nzira yakaipisisa yokuti nyika igadzirise chikwereti chayo.

Mhuri Chikwereti Dambudziko

Imhosva yemhosva yemhuri inowanikwa apo mhuri inotanga kuwira shure mushure mekubhadhara pamwedzi.

Kune marudzi matatu emakwereti emhuri:

1. Imba yekuchengetwa kwemusha, kusanganisira zvose zvekutanga uye zvechipiri mari yekugadzirisa, uye misha yekuenzanisa yemari yechikwereti.
2. Chikadhi chekwereti chikwereti chinonziwo revolving chikwereti.
3. Auto, feniti uye zvikwereti zvevadzidzi, vanozivikanwawo sekuti kwete-chikwereti chikwereti.

Zvose zviviri zvinokonzera uye zvisiri-chikwereti zvikwereti zvikwereti zvekwereti.

Chero kurasikirwa kamwe kamwe-kamwe kwemari, kana kuwedzerwa mumari, kunogona kukonzera mhaka yemhuri mhirizhonga. Chikonzero chikuru ndechekushandisa kwehutano, izvo zvinokonzera hafu yezvinhu zvose zvakaparara muUnited States. Ndicho chikonzero chikuru nei Congress inoda kuchinja mararamiro ehutano . Zvimwe zvikonzero zvinosanganisira kusagadzikana kwemabasa kana kurasikirwa kwakasimbiswa.

Dambudziko remari yemhuri rinogonawo kuwedzera zvishoma nezvishoma. Chimwe chikonzero ndechekukweretesa kwakashata kwekwereti, zvakadai sekubhadhara chikwereti pamakadhi emakwereti. Imwe inoshanduko yezvehupfumi, yakadai sekuti imba yekugadzirisa zvinhu inoputika sei muna 2006. Vazhinji veimba vanga vaine chikwereti-chikwereti chete ne teaser rates inodzorerwa shure kwegore rokutanga.

Vakanga varonga kutengesa imba yavo vasati vadaro, asi iye zvino imba yacho yakanga inokosha kudarika chikwereti. Muenzaniso wechitatu ndeye mhuri dzinopinda mumisoro yavo dziine zvikwereti zvemari. Mutengo wezvidzidzo unoramba uchikwira, uye vabereki havadi kutaurira vana vavo kuti vanofanira kusiya.

Sangano reBillruptcy Protection Act ra2005 rakakonzerawo matambudziko akawanda emhuri.

Mutemo wakaita kuti zvive zvakaoma kuti mhuri dziparidze kubhadhara pane chikwereti chavatengi. Vashandi vekumba panzvimbo iyo vakashandisa kuenzana mumisha yavo kuti vabhadhara mabhiriro. Somugumisiro, kubhadhara chikwereti kwakafa kwakasimuka 14 muzana muna 2006, uye mazana maviri emamwe mhuri akarasikirwa nemisha yavo.

Kana imwe chikwereti chemhuri chichiitika, kune nzira nhatu chete dzokugadzirisa nayo. Kutanga, wedzera mari kuburikidza nebasa repiri, kusimudzirwa kana kukurudzirwa kune basa rakanaka, kana kutengesa zvinhu zvakadai seimba. Chechipiri, kudhura mari. Izvozvo zvinosanganisira kuchinja kune chikwereti chinotora chikwereti chine chikwereti, uchishandisa mari pane chikwereti, uye uchibhadhara zvimwe pane chikwereti chako. Chechitatu, shingairira kubhadhara uye tanga kupfuura.

Bhizimusi Dambudziko Dambudziko

Bhizimisi chemari chikwereti apo apo kambani inonetseka kubhadhara zvikwereti zvayo, inozivikanwa sezvisungo . Vanoderedzwa sevarombo mashoma ekutsvaga nekambani yekwereti yekwereti yakadai se Standard & Poor's .

Kana izvi zvikaitika, zvinodhura zvakanyanya kuti kambani ibudise zvisungo zvitsva. Kunze kwekuti kambani inogona kuita kuti vatengesi vave neanoita kuti zviitike kuti zviite zviri nani, zvinogona kuenderera mberi zvichienda mberi apo kushandiswa kwechikwereti kunotora kukwira kwemari kwaizoenda kune hutsva hutsva hunobudirira kana kunyange kushanda.

Dzimwe nguva kambani inofanira kutaurira Chitsauko 11 kubhadhara kuti chipe rubatsiro kubva kune vane chikwereti uye nguva yakakwana yekugadzirisazve uye kugara mubhizimisi.

Inogonawo kuwana imwe kambani kuitenga uye kutora chikwereti chacho. Kana iyo ichinyora Chitsauko 7 kubhadhara, izvo zvinoreva kuti inopera zvachose kunze kwebhizimisi. Bondholders vane mukana wakanakisisa wekubhadhara kubva kubva pane zvakasara.

Bhizimisi chikwereti crises chinokonzerwa nezvizhinji. Mabhizimisi mazhinji maduku anokwira mune chikwereti matambudziko nokuti havana kuwana mari yakakwana yekuvhara mari yekushandisa kuburikidza nemakore ekutanga asina maturo. Kuderera kwezvemari kunogona kuisa mabhizimisi akawanda anobatsira mune dambudziko remari. Dzimwe nguva kambani inongova nemabhizimisi emabhizimisi ehurumende kana chigadzirwa chisina simba rakakwikwidzana . Pakupedzisira asi kwete, vatungamiri vekambani vangangodaro vasina hutano hwakanaka hwehutano.

Mhinduro yebhizimisi remari yebhizimisi inobva pachikonzero chayo. Dzimwe nguva vatengesi vanoda hutungamiri hutsva vasati vabvuma kubhadhara mari.

Kana kudarika kwakaitika, kambani inogona kudii kudzokera shure, kuderedza mari uye kuvandudza kushandiswa kwevatengi. Kazhinji inogona kubhadhara mutungamiri wekutsauka anokwanisa kuona zvirongwa zvebhizimisi zviri nani kana zvigadzirwa.

Changamire Chikwereti Crisis

Imwe chikwereti chemhosva chinowanikwa apo nyika isingakwanisi kubhadhara chikwereti pane chikwereti chayo. Kungofanana nebhizimisi, rudzi rwacho runowana kuti vanokweretesa vane hanya vanoda kubhadhara chikwereti chikuru kune chikwereti chitsva. Kune zvitatu zvakasiyana-siyana pakati pechikwereti chakakosha uye musha kana bhizimisi rebhizimisi iro rinogadzirisa dambudziko iri:

1. Hapana hurumende yepasi rose inokonzera kuti vanokweretesa vanogona kuenda kune imwe nzira yekutambira mvumo. Izvo zvinoita kuti zvive nyore kuti nyika dzive dzakashata.
2. Changamire chikwereti hachina kuchengetedzwa nedzimwe dambudziko. Munyaya iyi, zvakanyanya kufanana nechikwereti chekwereti chikwereti kupfuura chikwereti kana chikwereti chemotokari.
3. Nyika dzakawanda dzinogona kunyora mari yavo kubhadhara chikwereti.

Ndokusaka chikwereti chechikwereti chechiGiriki chikawedzera kusvika mumatambudziko eEurozone . Muna 2001, Greece yakashandura madrakema ayo ema euro . Yakafanira kuvimba neEuropean Union kushandura mamwe ma Euro kubhadhara chikwereti chacho. Mukudzoka, EU yakatsvaga kuti Girisi icheke mari yekuregeredza racking pane chikwereti chikuru. Izvozvo zvakaderedza hupfumi hwayo, zvichiita kuti chikwereti chekubhadhara chikanyanya kuoma. Greece yakapinda mumatambudziko makuru, ane 25 muzana yehuwandu hwemabasa, sangano rezvematongerwo enyika, uye kushanda kwebhengi kusina basa. Kunetseka pamusoro pekuti EU inogona kubhadhara dambudziko rechiGiriki rakakurumidza kubata zvese zveEurope, kunyanya Italy, Spain, nePortugal. Mumakore mashomanana, EU iyo pachayo yakanga yadzokera kune imwe nyika.

Ndiyo imwe misiyano pakati pezvinokonzera zvikwereti zvezvikwereti uye mamwe maitiro. Kana imba kana bhizinesi ichidhura, inenge iine mari yakawanda yekubhadhara chikwereti chayo. Sezvo kushandiswa kwehurumende kune chikamu chezvinhu zvakakomba zvemiti , kana inoderedza zvinodhura zvinoderedzawo kuwedzera kwehupfumi. Zvingaita sekuti imba ikamira kudya ichibhadhara chikwereti chayo. Nokukurumidza, iyo yaizobuda kunze kwekushanda kushanda, ichiita chikwereti chekubhadhara zvakanyanya zvisingaiti.

Dambudziko reEY EU rakanga risina kujairika. Yakave yakakonzerwa nenyika dzakaderera-pfuma, seGreece neItaly, inonakidzwa nezvikwereti zvechikwereti chisingabhadharwi nekuda kwekuiswa kwavo kune EU yakabhadhara mari. Icho chaisava dambudziko kusvikira varimi vasisina chivimbo chehurumende yeGreek yekukwanisa kudzorera.

Changamire chikwereti matambudziko anowanzokonzerwa apo nyika dzichikwereta chikwereti chikuru chekubhadhara hondo. Apo vanonyora mari yakawandisa kuti vabhadhara chikwereti, vanoita iyo kunyanya dambudziko re hyperinflation .

Changamire chikwereti matambudziko anogonawo kukonzerwa nekuderera. Dambudziko rezvemari muna 2008 ndiro chikonzero chikuru cheSpain chinetso. Kunyange zvazvo zvaive zvisiri zvekutarisira, mabheji ayo aive aine mari yakawanda muzvivako. Apo bhubu rakaputika, hurumende inotora mabhangi 'madhora.

Kuwanda kwemari kwakakonzerawo chikwereti cheIceland chakaoma . Bhanga reIceland rakapfuma zvikuru kune dzimwe nyika. Apo hurumende yakaronga mabhengi uye yakadhinda mari yekubhadhara chikwereti, kukosha kwemari yavo yakawira makumi mashanu kubva muvhiki imwe chete.

Dambudziko rekwereta reUnited States rakanga razvigadzirisa. Kusiyana neGreece uye dzimwe nyika dzakawanda dzine dambudziko remakwereti, mari yezvibereko muUnited States yeUnited States yakanga isingauki . Chaizvoizvo, vakanga vari pamakore mazana maviri emakore . Pane kudaro, dambudziko rekwereta reUnited States rakakonzerwa nekuramba kweCongress kukwidza chikwereti chenyika muchero muna 2011. Vaifunga kuti ndiyo chete nzira yekumanikidza kuderedza kushandiswa nekuderedza chikwereti chenyika . Kuramba kwavo kwakatoita kuti US isati yakwana pane chikwereti chayo . Ivo vakazodza denga, asi mushure mokunge vaisa mvumo yekushandiswa kwemari, inonzi sequestration . Congress yakanyanyisa kudzivisa kuwira panzvimbo yemari .