Nzira Iyo Kubvunzurudza Nzira Inogona Kuve Yakakonzera Kubata Kudzoka
Iyo nzira inoshandiswa inonzi inotengeswa mari yekugadzirisa. Iyo inochengetedza kukosha kweafa pamabhuku ari mazinga ayo okutanga.
Zvakangofanana nekusimudzira kukosha kwekutengesa kwemotokari yako.
Iyo Inoshanda Sei
Pakupera kwegore rimwe nerimwe rezvemari , kambani inofanirwa kuudza kuti mari imwe neimwe inokosha sei mune zvinyorwa zvayo zvemari. Zviri nyore kune vanyori kuti vaenzanise kukosha kwemashamba kana vatengesi vachitenga uye vachitengesa iyo yemafasi nguva zhinji.
Muenzaniso wakanaka ndeyemakore gumi nemakumi matanhatu emari . Iyo nyanzvi inodzokorora pfuma maererano nehuwandu hunotsanangurwa mumusika. Kana iyo Imari inobhadharwa chikafu ichikwira mukati megore, munyori wenhoroondo anofanira kunyora kukosha kwemashoko. Nyaya iyo bhagheni inobata haina kubhadhara zvakanyanya mukufarira sezvinyorwa zvitsva. Kana kambani ikatengesa bhadha, inogamuchira zvishoma kudarika iyo yakabhadharwa nayo. Nheyo dzehupfumi dzehupfumi dzinodhindwa mumhizha rezvemari zuva rimwe nerimwe rebhizimusi.
Kuisa pamusika kwakaoma kune imwe nzvimbo iyo isiri yemvura . Mutungamiriri anofanirwa kuenzanisa kuti kukosha kwaizove chii kana iyo yefa inogona kutengeswa. Muenzaniso ndeweimba yekubhadhara mari.
Nhoroondo yacho inofanira kusarudza kuti chii chaizotora chikwereti kana kambani ichiitengesa kune rimwe bhangi. Izvo zvinoenderana nekuti ingangodaro sei akakwereta aizoita mari yose.
Kuti uenzanise kukosha kwezvinhu zvisiri izvo, mutungamiriri anogona kusarudza kubva kune dzimwe nzira mbiri. Yokutanga inonzi inoshandiswa pangozi nzira.
Inosanganisira mukana wekuti iyo pfuma haina kukodzera kukosha kwayo kwepakutanga. Pamusha wekutenga chikwereti, munyori wenhoroondo aizotarisa chikwereti chekwereti. Kana chikamu chacho chiri pasi, pane mikana yakakwirira iyo chikwereti hachizobhadharwi. Nhoroondo yacho inoderedza hutengo hwepakutanga nehuwandu hwehuwandu hwekukweretesa huchasara.
Chechipiri nzira inonzi inoshandiswa-kuwedzera kwengozi. Inosanganisira kukosha kwezvinhu zvinoenzaniswa nezvinhu zvakafanana. Semuenzaniso, taura kuti iyo yefa inosungo . Kana zvikwereti zvikwira, ipapo hutano hunofanira kuiswa pasi. Izvi ndizvo zvinogona kuti vatengi vangabhadhara mari shomanana nokuda kwechibvumirano chinopa kudzoka kwakaderera. Asi hapana kune misika yemvura yezvisungo izvi sekunge pane zvePasita manotsi. Somugumisiro, mutori wenhoroondo aizotanga nechisungo chechibvumirano chinobva paNhepfenyuro yeMari. Anogona kuderedza kukosha kwechibvumirano, zvichienderana nehuwandu hwehutano hwakasarudzwa neHorld and Poor's credit rating .
Pros uye Cons
Mark kumusika inopa mufananidzo wakajeka wezvinhu zvinokosha zvezvino. Vashandi vanofanira kuziva kana kambani yekambani yakaderera mukoshi. Kana zvisina kudaro, kambani inogona kuvhara mari yayo chaiyo inokosha.
Semuenzaniso, chiratidzo kumakambani ekugadzirisa zvinogona kunge zvakadzivirira Kuda Kwekuchengetedza uye Mari .
Muma1970 ne1980, mabhenji akashandisa mabhuku ezvakaitika kare. Vakarondedzera mutengo wepakutanga weimba yavakatenga. Vakangodzokorora mutengo uyu pavakatengesa mafa.
Kana mitengo yemafuta ikakonzerwa muna 1986 , nzvimbo inobatwa neTexas mari uye zvikwereti zvakare yakawa. Asi mabhanga akachengeta kukosha pamabhuku avo pamutengo wepakutanga. Izvozvo zvakaita kuti zvionekwe mabhanga akanga ari nani mune zvemari kupfuura ivo. Mabhandi akavanza mamiriro ekudzikira kwezvinhu zvavo.
Marko kumusika kune njodzi apo hupfumi huchivhiringidza . Sezvo maitiro ose emitemo akaderera, makambani kamwe kamwe anorasikirwa nematare avo anokosha. Somugumisiro, mabhizimisi mazhinji aizotadza kuparara. Icho chaizotarisa kunyura kwepasi kunogona kungoita kuti kuderera kuwedzere.
Semuenzaniso, chiratidzo kumakambani ekugadzirisa zvakashata zvakakonzera kupera kukuru. IFederal Reserve yakataura kuti chiratidzo kumusika chaiva nebasa rekukundikana kwakawanda kwebhangi.
Mabanki mazhinji akamanikidzwa kunze kwebhizimisi mushure mokunge vachinatsa zvinhu zvavo. Muna 1938, Mutungamiri Roosevelt akatora zano reFed ndokuribvisa.
Basa muna 2008 Crisis Crisis
Mark kusvika kumakambani ekuverengera ingangodaro yakaipisisa dambudziko rezvemari ra2008 . Chokutanga, mabhangi akawedzera kukosha kwezvinyorwa zvekutengesa mari-soro sezvo dzimba dzekugara dzichiwedzera. Vakabva vatsvaga kuwedzera huwandu hwezvikwereti zvavakaita kuti varambe varipo pakati pezvinhu uye zvikwereti. Mukushushikana kwavo kutengesa mari yakawanda, vakaderedza mari yechikwereti. Somugumisiro, ivo vakatakura zvikwereti zve subprime . Icho chaiva chimwe chezvinhu zvakagadziriswa zvakakonzerwa nehutambudzi hwekutengesa .
Dambudziko rechipiri rakaitika apo mitengo yemasset akatanga kuwira. Iko kunotengesa mabhizimusi ekubhadharwa mabhengi kuti anyore kukosha kwezvivimbiso zve subprime. Zvino mabanki aifanira kubhadhara mari shomanana kuti ave nechokwadi chokuti zvikwereti zvavo zvakanga zvisingasviki pane zvayo. Marko kumusika wakakonzera huturu hwemumba uye hutsika dzakasvibiswa mumba panguva yekuderera.
Muna 2009, US Financial Accounting Standards Board yakagadzirisa chikwangwani kutengesa mutengo wekutarisa. Izvi zvakagamuchirwa mabhengi kuchengeta kukosha kweMBS pamabhuku avo. Muzvokwadi, tsika dzainge dzakaderera.
Kana mabhangi akamanikidzwa kutarisa kukosha kwavo pasi, zvingave zvakakonzera zvikamu zvisingabvumirwi zvezvibvumirano zvavo. Zvibvumirano zvinoda kugoverwa kubva kuchikwereti swaps inshuwarisi apo huwandu hweBMB hwakasvika pane imwe nzvimbo. Zvaizove zvakapedza zvose zvikwereti zvikuru zvebhangi munyika yose.
Iyo Inokubata Sei Iwe
Marko kumusika kurangwa kunogona kukubatsira kuchengeta mari yako. Iwe unofanirwa kuongorora puroferensi yako yekurega basa mwedzi wega wega kunyora kukosha kwayo ikozvino.
Kamwe kamwe kana kaviri pagore iwe unosangana nemupi wezano wezvemari kuti iwe uite zvekubata kwako. Iva nechokwadi chokuti inowirirana newaunoda kugoverwa . Izvo zvakakosha kuchengetedza zvikomborero zvepodfolio .