Zvikonzero Zvitanhatu Nei MaAmerica Ari muDare Guru
Kune mhando mbiri dzechikwereti chevatengi: makadhi emakwereti (anoenderera mberi) uye zvikwereti zvakasimwa-zvikwereti (kwete-zvinobva). Chikwereti chikwereti chikwereti chinonzi revolving nokuti chinonzi chibhadharwe pamwedzi mumwe nomumwe. Zvinokonzera kushandiswa kwemari yakasiyana-siyana inobatwa neRibor .
Chikwereti chisingatauri hachibhadharwi pamwedzi mumwe nomumwe. Pane kudaro, zvikwereti izvi zvinowanzotarisirwa hupenyu hwehupfumi hwenyika. Vanokwereta vanogona kusarudza pakati pezvikwereti nezvimwe zvikwereti zvekuda mari kana kuti kuchinja kwemari. Zvikwereti zvakawanda zvisingasviki ndezvikwereti zvemari kana chikoro chechikoro.
Kunyange zvazvo dzimba dzekugadzirisa musha dzichiri chikwereti chikuru, hachisi rudzi rwekwereti. Panzvimbo pezvo, ivo ivo pachavo vanoita mari yekugara mumusha wekugara.
Statistics
MunaFebruary 2018, chikwereti cheUnited States chakasimudza 3.3 muzana kusvika $ 3.867 trillion. Izvozvo zvakapfuura mwedzi wekupedzisira mwedzi ye $ 3.857 trillion.
Paizvi, $ 2.837 trillion yakanga isiri chikwereti chisiri, uye yakasimuka 4.4 muzana. Zvizhinji zvekukura zvinouya kubva kuchikoro nemari yemari. Inonyanya kukosha inobva kuDisemba 2017. Inoratidza chikwereti chechikoro chakakwana $ 1.491 trillion uye nemari yekubhadhara mari yaiva $ 1.111 trillion.
Chikwereti chemari chikwereti chakawana $ 1.031 trillion munaFebruary, ichiwedzera 0.2 muzana. Yakapfuura rekodhi ye $ 1.02 trillion yakagadzirirwa muna April 2008.
Asi kadhi rechikwereti chikwereti ndeye 26.7 muzana chete yechikwereti chose. Yaiva 38 muzana muna 2008.
I Federal Reserve inoshuma nezvekwereti yevatengi pamwedzi. Heino nhoroondo dzepamusoro nemwedzi kubva muna 1943.
Nei vanhu veAmerica Vari muDhokodha Yakanyanya
Sei chikwereti muAmerica chakakwirira zvakadaro? Pane zvikonzero zvitatu.
Chokutanga, kadhi rechikwereti rakakwira nekuda kweBhangeruptcy Protection Act ra2005 .
Mutemo wakaita kuti zvive zvakaoma kuti vanhu vafambise kubhadhara. Somugumisiro, vakashandura kumakadhi ekwereti mukuedza kwakaoma kubhadhara zvikwereti zvavo. Chikwereti chekwereti chikwereti chakasvika pairi-nguva peak ye $ 1.028 trillion munaJuly 2008. Icho chaive chikamu che $ 8 640 pamhuri. Zvizhinji zvechikwereti ichi chaiva chokuvhara zvikwereti zvisingatarisirwi zvemishonga. Somugumisiro, mari yekuchengetedza utano ndiyo nhamba ye.1 yekukonzera .
Kuderera kwacho kwakavhara kadhi rechikwereti chikwereti. Yakawa kupfuura 10 muzana mune imwe neimwe yemwedzi mitatu yekutanga ya2009. Munguva yekuderera, mabhangi akacheka kumashure ekukweretesa vatengi. Ipapo Dodd-Frank Wall Street Reform Act yakawedzera mitemo pamusoro pemakadhi emakwereti. Yakagadzirawo Consumer Financial Protection Agency kuti ishandise mitemo iyoyo. Mukuwedzera, mabhengi akasimbiswa zvikwereti zvemari. Pakavhuvhuta 2011, kadhi rechikwereti chikwereti chakanga chava kuderera madhora 839.6 mabhiriyoni. Pasinei izvi zvakaderera, vanhu vekuAmerica vainge vachiri kukwereta $ 7055 mumwe nomumwe.
Chechipiri, zvikwereti zvemotokari zvakakura zvakanyanya nekuda kwekuderera kwechibereko. Vanhu vakashandisa sangano reStar Reserve Reserve rinowedzera mari . Dambudziko rakaderedza matanho muna 2008 kurwisana nehupfumi. Izvi zvikwereti zvinobva pamakore matatu kusvika mashanu. Kana uyo akakwereta asingakwanisi kubhadhara, bhagheni inowanzodzorera iyo pfuma yepasi.
Chechitatu, chikwereti chechikoro chakawedzera panguva yekuderera sezvo vasina kushandira vakatsvaka kuvandudza unyanzvi hwavo. Muna 2010, Affordable Care Act yakabvumira hurumende yehurumende kutora purogiramu yechikwereti yevadzidzi . Yakatsiva Sallie Mae , mutungamiri wekare. Nokubvisa pakati-murume, hurumende yakadhura mari uye yakawedzera kuwanikwa kwekubatsirwa kwezvedzidzo. Yakabatsira kusimbisa chikwereti chisiri chekubva kubva pamakumi matanhatu kubva muzana chemari yose yevatengi muna 2008 kusvika 73 muzana muna 2017.
Chikwereti chechikoro chiri kwemakore 10 asi mamwe akareba makore 25. Kusiyana nechikwereti chemotokari, hapana pfuma yebhangi inoshandiswa sezvikwata. Nokuda kwechikonzero ichocho, hurumende yehurumende inosimbisa chikwereti chechikoro. Izvo zvinobvumira mabhangi kupa zvikwereti zviduku zvinotadzisa kukurudzira dzidzo yakakwirira Hurumende inokurudzira nokuti nyika inobatsirwa nevashandi vane unyanzvi.
Icho chinoderedza kusagadzikana kwepfuma yenyika uye inoita hupfumi hwakanaka .
Kubhadhara Kwatakwereta Kwevatengi Kunobatsira Mari
Mutero wevatengi unobatsira pakukura kwehupfumi . Chero bedzi hupfumi huri kukura, unogona kubhadhara chikwereti ichi nokukurumidza munguva yemberi. Ndiko nokuti dzidzo yako inokubvumira basa riri nani-kubhadhara, uye iwe unokutora kune basa iroro. Izvo zvinoita kuti pave nekukwira kumusoro, kuwedzera hupfumi kupfuura.
Inokubvumira kupa imba yako, kubhadhara dzidzo, uye kuwana motokari pasina kuvharira ivo. Nenzira iyo, inotsigira America kurota .
Kukanganisa Kwechikwereti
Asi chikwereti chinogona kuparadza. Kana hupfumi huchienda mukuderera, uye iwe unorasikirwa nebasa rako, unogona kuchinja. Izvozvo zvinogona kuparadza chikwereti chako, uye kukwanisa kutora chikwereti munguva yemberi. Kunyange kana hupfumi huripo, hwakasimba, unogona kutora chikwereti chakawanda. Haisi kungoti nekuda kwezvinonzi izvo zvisina kunaka kushandisa mari. Izvo zvinokonzerwa nezvikwereti zvisingatarisirwi zvemari.
Nzira yakanakisisa yekudzivisa kukanganisa kadhi rechikwereti chikwereti ndeyekuripa iyo pamwedzi mumwe nomumwe. Mukuwedzera, chengetedza mwedzi mitanhatu yekushandisa mari. Izvozvo zvinokutambudza kana dambudziko rakaparara, iwe unorasikirwa nebasa rako kana iwe unotarisana nechirwere chekukurumidzira.