Dambudziko Rakavanzwa reSc-Safe Safe Markets
Mari Mari Makosheni Inoshanda Sei?
Mari idzi dzakabviswa muma1970 uye dzakanga dzakura kusvika madhora 3 triliyoni muzvinhu zvose.
Mari zhinji yemakakiti emari inoda mari yekukomberedza $ 100,000 nokuti inotarirwa kumabhizimusi makuru, mabhandi uye hurumende. Mari yemusika mari inogona kutenga mari iyi, uye inotengesa zvikamu kuvanhu.
Mari yakawanda yemari yemusika ndiyo inonyanya mari yemasangano. Vanoumba $ 2.6 triloni yenhumbi dzose. Ndiyo apo makambani makuru anoshandisa mari yavo.
Vanoitei?
Misika yemari inotengesa mumitatu mitatu yekuchengetedzwa kwepasi. Ikokutanga ndeyeUnited States yemari , iyo inotsigirwa nehurumende yehurumende.
Yechipiri ndiyo zvigwaro zvekuiswa . Izvi zvikwereti zvinogadzirwa kubhangi kwenguva pfupi. Ivo vakachengetedzeka, uye vanodzorera chikwata chekuda mari yehupenyu hwechikwereti.
Chechitatu ndeye pepanhau rebhizimisi rekambani dzakavimbika. Iyo ndiyo chikwereti kwenguva pfupi iyo makambani makuru anogona kubudisa pane kuenda kubhengi kune chikwereti. Makambani chete anotaridzirwa zvakanaka anogona kuita izvozvo, nokuti chikwereti hachisi chinhu chinopfuura chivimbiso chinobva kambani iyo ichabhadharwa.
Iko hakuna zvinhu zvinotsigira chikwereti. Zvisinei, kambani kazhinji inayo inokwana invoice inowanikwa, inozivikanwa semari inowanikwa, inotsigira chikwereti. Inongoda mari iye zvino kuti ibhadhara mabasa ezuva nezuva kusvika pakuuya kwemitemo inouya. Izvo zvakaita semari yekubhadhara mari yebhizimisi. Iko kambani inopikira kuti ichadzorera chikwereti mukati megore, kana isingaiti nokukurumidza.
Kubatsirwa
Mari yemusika mari inowanzochengeteka. Vanobvumira nyore nyore kuwana mari inowanikwa, uye haitore zvishoma. Mazana avo ari pasi peavo emaCD ayo anotora zvikwereti kana mari inodzingwa isati yauya.
Kukanganisika
Kana zvikwereti zviduku zvakaderera, zvinogona kubhadhara zvishoma kudarika kwehupfumi. Kana izvozvo zvikaitika, mari yezvikwereti iri kupotsa simba ravo rekutenga. Zvisinei, vazhinji havagone kutenga mungozi inotarisirwa kuti varambe vachifambira mberi kwekuwedzera kwezvinhu, zvakadai sematokisi, zvibatanisi zvekambani kana hi-zvinobudirira mari pamwe chete.
Kusiyana nekambani yebhangi yemari yemakethe, haisi inshumo neFederal Deposit Insurance Corporation .
Vakasiyana Sei Nevamwe Mutero Mari?
Kusiyana nemari yemari inotengeswa mumatanda , mari yemusika mari inowanzoedza kuchengetedza mambure ekukosha kwe (NAV) yegove rimwe pariyoni. Vanobvumirwa kuita izvozvo nokuti vanoiswa muchengeti, kwenguva pfupi chikwereti. Izvi zvinobvumira varairidzi vavo kuti varege kuchinja kukosha pamabhuku mazuva ose. Vanobhadhara chido pane. Nokudaro, kukosha kwemari yemari yemari inobva kune chibereko kana chibereko chekuda, izvo zvinosiyana. Izvo zvisingashamisi kuti NAV iwire pasi pemaidhora, inonzi kudyora buck, asi zvinogona kuitika kana zvikwereti zvichiita zvisina kunaka.
Apo Mari Mark Markets Funds Yakangoti Yakundikana
Musi waSeptember 16, 2008, $ 62 mabhiriyoni Reserve Reserve Fund yakaputsa buck. Yaiva mari yekare yepashamba yemari yemari. Marika yemari yakanga yatora mari muLehman Brothers chikwereti kwenguva pfupi. Apo iyo bhajeti yekubvisa mari yakashata, Reserve res NAV yakaderera kusvika mashekeri 97.
Reserve Primary yaiva yekutanga mari yemari mumakore gumi nemana ekuputsa buck. Izvi zvakaita kuti vatengesi vanotya vatorere $ 139 mabhiriyoni kubva mumari yemari yemakethe mumazuva maviri anotevera, maererano neMoneyNet.
Somugumisiro, musi waSeptember 19, 2008, Dhipatimendi reMariki rakapinda kuti ipe mari mari yemusika. Izvi zvinoshandiswa pamari yemari yemari yakaitwa Treasurer Secretary Munyori wePaul Henry Paulson anoziva kuti misika yemarikiti yakavhara, uye aifanira kuisa $ 700 mabhiriyoni ebhailout Bill kuCongress. Musi waOctober 21, Federal Reserve yakabvumirana kutenga zvinhu kubva pamari yemari yemari yaida mari yekubhadhara kuti dzikinure.
(Imwe: "Mari Mari Makabheti," Securities uye Exchange Commission.)