Tiri Kutungamirirwa Kune Imwe Kukuru Kuora Mwoyo Here?

Zvikonzero Zvitanhatu Nei 50 Mazana Evanhu vokuAmerica Funga Zvimwe Kuora Mwoyo Zvichida

Kana United States iine hupfumi hwekuderera pachiyero cheKukuru Kuwedzerwa kwegore ra1929 , hupenyu hwako hwaizochinja zvinoshamisa. Mumwe wevane vanhu vana vose wamunoziva vaizorasikirwa nebasa ravo. Izvozvo ndezvokuti kushaya kwehuwandu hwemabasa kwaizoita zvigaro kubva kubva kuhuwandu hwayo hwe5% kusvika 25 muzana.

Izvo zvezvemari zvaizotadzisa 25 muzana. Izvozvo zvinoreva kuti chikwata chakakodzwa mumunda chinogona kuwira kubva ku $ 19 trillion ichi kusvika ku $ 14.25 trillion.

Panzvimbo yekuderera kune anenge 2 muzana, kuperetesa kunokonzera kuti mitengo inodonha 10 muzana. Kudyidzana kwenyika yose kwaizoderera 65 muzana. Ndizvo zvakashata kuipa kwekutambudzika kukuru.

Zvingaitika zvakare here? Muna 2011 CNN sarudzo, vanenge 50 muzana veAmerica vaitenda kuti inogona. Vaifunga kuti zvaizoitika mukati megore. Nenzira yakanaka, ivo vakanga vasina kururama. Asi vanhu vazhinji vachiri kunetseka nezvekuora mwoyo kunowedzera zvakare. Vamwe vanogutsikana kuti tatove tiri mukuora mwoyo. Havangotoni kuona kuti motokari yekukura ichabva kupi. Chii chinoita kuti ava veAmerica vanyanye kunetseka?

Kubasa

Chokutanga, vanenge 25 muzana yevasina basa vave vachitsvaka mwedzi mitanhatu kana kupfuura . Kune vashandi vanokanganisa 355 000 vakasiya basa vachitsvaka basa, uye havachaverengi nhamba dzisingashandisi . Izvo zvinoita kuti vashandi vabatanidzwe kusvika kusvika 62.7 muzana. Izvozvo zvinoreva kuti havasi vose vakadzokera kumusika wemabasa.

Mamwe mamiriyoni 5.2 vari kushanda chikamu-nguva nokuti havagoni kuwana basa renguva yakazara . Izvi zvose pasinei nokuti kunyanya kwehuwandu hwemabasa kwava pedyo ne4 muzana yehuwandu hwehuwandu hwekusashaya basa .

Stock Market Volatility

Chechipiri, kuzvipira kunokonzera vatengesi apo Dow inoshandura mazana mana kubva kumusoro kana pasi pasi. Kurasika kwekambani yekurasikirwa kwakatambura panguva yekuputsika kwemusika kwema2008 kwakaparadza.

Dow yakadonha 53 muzana kubva pakakwirira kwayo kusvika 14,043 munaOctober 2007 kusvika 6,594.44 musi waMarch 5, 2009. Yakaderera 800 pfungwa panguva yekutengeserana kwemazuva mashoma musi waOctober 6, 2008, iro guru rezuva rimwe rakare. Vashandi vanorasikirwa nemari zvinonzwisisika vachiri kukanganiswa nezvakaitika. Nokuda kwezvimwe, ona Dow Yakavhara Nhoroondo .

Mukutanga kwegore ra2016, matengo ematengo akapera. Vashandi vakarasika mabhiriyoni, uye dzimwe nyika dzakapinda mumatambudziko . Izvozvo zvakatevera kurasikirwa muna 2015, apo inenge 70 muzana yevashandi veUnited States vose vakarasikirwa nemari. Maererano nevamwe, ndiro gore rakaipisisa kwematokari kubva muna 2008. Inenge inenge 1 000 mari yehuta yakavharwa uye zvisungo zvisingabatsiri zvakanga zvichishungurudza. (Chinobva: "Zvichaitika 2016 Zvichaunza Kuwedzera Kuwedzereka Kukuru Here?" Charisma News, January 1, 2016.)

Mafuta Mafuta

Nhamba dzeoiri dzave dzakashatawo. Vakasimuka kusvika ku $ 50 mushure mushure mekuderera kusvika kune makore gumi nematanhatu pasi pe $ 26.55 / mbiya munaJanuary 2016. Izvo zvaingova mwedzi gumi nemana mushure mekukwira kwemadhora 100.26 / mbiya munaJune 2014. Mitengo yemafuta yakakonzerwa pasi nekuwedzera kwekutengeswa kubva kuUnited States varairi vemafuta uye simba reDhora reU.S. Kuvhiringidza kunoita kuti vanhu vade kuponesa, kana zvikwereti zvikawedzera zvakare. Kupfuura zvimwe, ona Oil Price Forecast .

The Financial Crisis of 2008

Chechitatu, dambudziko rezvemari ra2008 rakaodza simba rehupfumi.

Izvozvo zvinoreva kuti inosangana nezvinetso zvepasi rose mune ramangwana risina kusimba.

Imba yekudonha yakave yakaipa mukuderera kudarika Great Depression. Mitengo yakawa 31,8 muzana kubvira pakakwirira ye $ 229,000 munaJune 2007 kusvika kune $ 156,100 muna February 2011. Vakawira 24 muzana panguva yekuora mwoyo. Mumatangiro ekutanga ekudzikinura, foreclosures yakaitwa makumi matatu muzana yekutengesa kwemisha yose. Vazhinji veimba yepamusha vakanga vakaderedzwa mumadhorobha avo. Havana kukwanisa kutengesa misha yavo kana kugadziriswa kushandisa zvinyorwa-zvishoma zvakaderera mutengo . Kuparara kweimba kwakakonzerwa nemari yekubhadhara mari inotenderera pamabhengi ekubhadhara mari . Mushure mekunge 2008, mabanki akaregedza kuatenga pamusika wechipiri . Somugumisiro, 90 kubva muzana yezvikwereti zvose zvakagadzirirwa Fannie Mae kana Freddie Mac . Hurumende yakatora vhudzi, asi mabhangi achiripo asingakwereti kunze kweFannie kana Freddie.

Zvechokwadi, hurumende yeHurumende ichiri kutsigira mushambadzi wekuAmerica. Ona A Primer paIpriprime Mortgage Crisis .

Bhizimisi rechikwereti chakasimudza. Kuda kwemhando chero ipi zvayo yepasitori inoshandiswa-backed inogadzirwa yakanyangarika. Kuvhunduka pamusoro pekukosha kwezvikwereti zvechikwereti zvinotengeserana zvakakonzera dambudziko rezvemari, zvichikonzera kupindira kweFederal Reserve uye Treasury. Ihurumende dzenyika dzakapinda mukati kuti dzipe zvose zvinotengeswa pamisika yekodhi yakawanda. Chikwereti cheUnited States chakakanganiswa, uye Europe haisi nani. Zvakaipisisa, zvose izvo zvinowedzera kuwedzerwa mari hazvina kuwana nzira yaro kupinda mune zvehupfumi. Mabhangi akagara pamari, asingadi kupa chikwereti. Vakabhadhara $ 700 billion bailout. Ndizvo zvazvo. Izvozvi mamiriro acho zvino ari kuwedzera.

Expansionary Monetary Policy uye Federal Reserve

Chechina, iyo Federal Reserve yakashandisa iyo yakawanda inowedzera yekuwedzera kwemari yezvigadziriswa zvishandiso zvekurwisana nematambudziko emari. Yakagumisa kupera kwekuwedzera , asi izvozvo zvinongoreva kuti haisi kuwedzera pane mabhiji ayo akavharidzirwa. Iyo inoramba ichingoputika $ 4 trillion muAmerica chikwereti icho chakatengwa nokuda kwepurogiramu iyoyo. Iyo inodyidzwa mari inodha inenge 1.75 muzana. IFOMC ichaimutsira zvakare muna 2018 uye muna 2019. Inoda kusvika kuhuwandu hwema2%. Kusvikira panguva iyoyo, Fed inenge isingapfuuri moto pamatambudziko anotevera emari.

Chechipiri, hurumende yehurumende haisati yasvika pakununura nekukurudzira kushandisa sezvaiita muna 2009. Mari ye $ 21 trillion inoreva kuti Congress inogona kusarudza kushandisa mari panzvimbo.

Zvikonzero Zvitanhatu Zvinoita Kuti Kuora Mwoyo Kuve Kwakanyanya

1. Kutengesa kwekambani yekutengesa kunogona kukonzera kuora nekupedza hupenyu hwemari wehupenyu. Kana vanhu vakwereta mari kuti vashandise, ipapo ivo vachamanikidzwa kutengesa zvose zvavanofanira kubhadhara chikwereti. Derivatives anoita chero kuparara zvakanyanya kuburikidza ne leveraging. Kuparara kunoitawo kuti zvive zvakaoma kumakambani ekurera mari inoda kukura. Pakupedzisira, kukanganisa kwemusika wekutengeswa kunogona kuparadza kuvimbwa kunodiwa kuti uwane hupfumi zvakare.
2. Mitengo yepamusoro yeimba uye chikwata chinokonzera zvakakwana chikamu chemabhiriyoni 1 triliyoni murasikiti kumabhangi, mari yehuta uye vamwe vadzidzisi vemadhoroji epa subprime pamusika wechipiri. Mabhangi anoramba achichengetedza mari kunyange zvazvo dzimba dzeimba dzichiwedzera. Vanoramba vachitsvaga kurasikirwa kubva kune mamiriyoni anotangira.
3. Bhizimisi rebhizimisi rinodikanwa kumabhizimisi kuitira kuti vagone kuramba vachimhanya zuva nezuva. Pasina chikwereti, mabhizimisi maduku haakwanise kukura, achiita kuti 65 muzana yemabasa matsva avanogovera.
4. Bhisho pedyo-kukundikana kunotyisa kubhadhara mukutora mari yavo. Kunyange zvazvo FDIC ichichengetedza idzi mari, vamwe vakava nehanya nekuti sangano iri raizopedza mari. Mabhizimisi ezvokutengeserana anotarirwa nevatengi mari yekubhadhara mari yavo yezuva nezuva, pamwe chete nekuita zvikwereti.
5. Mafuta emafuta akakwirira aigona kudzoka kana vashandi veUnited States vachidzingwa kunze kwebhizimisi. Mamiriyoni emabasa ainge arasikirwa apo mitengo yemafuta yakadzika. Panguva imwecheteyo, vazhinji vatengi vakatenga motokari itsva uye SUV apo magetsi emitengo akanga ari pasi. Vachapindirwa apo mitengo inomuka zvakare.
6. Kuzvidzivirira ndekutya kukuru. Chikonzero chimwe chekuti Fed haifaniri kusimudza mitero ndeyokuti kuwedzera kwezvikwereti hachisati kwasvika pakurongwa kwayo kwe 2 muzana gore roga roga kuwedzera. Mafuta emafuta uye gesi madhura aine dambudziko rinoshandiswa. Saka ine 25 muzana inowedzera muDhora reAmerica. Izvozvo zvinoodza mwoyo kutengeswa kwematengo. Izvi zvinomanikidzwa zvinopesana zvinoratidzika semhizha kune vatengi. Asi vanoita kuti zvive zvakaoma kumabhizimisi ekurera mihomwe. Chigumisiro chinogona kunge chiri kukurira pasi. Izvozvo zvakafanana nezvakaitika muHuru Kuora.

Zvikonzero Zvinomwe Nei Kuora Mwoyo Kusingazoitikizve

1. Nhamba yematengo ekuderera haina kudarika 11 muzana mune rimwe zuva, kana 30 muzana mugore. Kuparadzana kuDhepression kwaiva yeA Stock Market Crash ya1929 . Pakave pedyo nemusika wekusika pamusi weChipiri Chishanu , Dow yakanga yawa 25 muzana mumazuva mana chete.
2. Matengo embairo uye zvigadzirwa zvekare zvakadzoka. Kukodzwa kwehuwandu kune huwandu hwepamusoro, izvo zvakaita kuti vatengesi vadzokere kumusika wemba. Iye zvino chivimbo ichi chave chakadzorerwa, dzimba dzeimba dzicharamba dzichikwira. Iyo pipeline yekufananidzira, iyo yaimboonekwa sekusingaperi, yakanyangarika.
3. Bhizimisi rebhizimisi rave rakakanganiswa zvikuru. Mabanki emunyika epasi pose akaputira mune zvakawanda zvehuwandu hwaidiwa. Chaizvoizvo, vakatsiva mari yemari pachavo.
4. Mutemo wezvemari inowedzera, kusiyana nemitemo yemari inokonzera zvinokonzera Kuora Kwekukuru . Munguva yekuderera mune zvezhizha muzhizha ra1929, Fed yakaderedza mari yekupa mari ne30 muzana. Yakasimudza mari yeFed mari yekudzivirira kukosha kwedhora . Pasina kukwana, mabhandi akadonha, achimanikidza vanhu kubvisa mari yose uye kuisa zvinhu pasi petirasi, zvichikonzera kushaya kwehupfumi . I FDC inobatsira kudzivirira bhanki inopfurikidza nekuisa insimiti . IFed yakati ichati ichengetedze mari yeFid Funds inenge inenge zero kusvika 2012. Ichokwadi ichocho chinonyaradza misika uye inopa kudiwa kunoda.
5. Mafuta emafuta ari kuwedzera. Asi kunyange pa $ 85 pamubhadharo, vanoshandura mumatengo emagetsi anove ari pasi pehafu yezvinhu zveEurope zvichibhadhara , nemhaka yepamusoro mitero yemitero. OPEC ingada kudzorera mutengo wemafuta kunzvimbo yayo yakanaka ye $ 70 pamigomo kana yapedza kubvisa vashandi ve US shale. Izvozvo zvingaderedza mutengo wemafuta kusagadzikana. OPEC inoda kuchengeta muvengi wayo Iran nevamwe kubva pakutsvaga mafiro emafuta uye nekuvandudza mamwe mafutha .
6. Hurumende yakakonzerwa nehupfumi yakakonzerwa ne4 kubva kune yakakwirira ye $ 14,4 trillion mumakota maviri e2008 kusvika pakaderera $ 13.9 triliyoni gore gare gare. Izvo zvakakonzera kupera 25 kubva muzana panguva yekudengenyeka. Yakawana $ 18 trillion.
7. Pane musiyano mukuru pakati pekuderera uye kuora mwoyo . Kunyange kana imwe Great Recession ichiitika, hazvigone kuchinja kudengenyeka kwenyika yose.

Mhedzisiro

Mari yeUnited States yaive iri kurarama pakweretesa mari kwenguva refu. Dambudziko rezvemari raityisa mabhizimisi nemhuri. Ndicho chikonzero kukura mune uku kugadzirisa kunonoka kudarika kune zvakatarisana. Iwe uri kupupurira kuderedza zvishoma nezvishoma. Ichaenderera kwechinguva. MuUnited States, Europe, neJapan, zvinowedzerwa nehuwandu hwevanhu. Nyika idzi dzakwegura. Vakuru havafaniri kupedza zvakawanda pamisha, motokari, uye fesheni sezvo vechidiki vanotanga mhuri. Asi izvi zvisingabviri kuti zvive zvakakwana kukonzera kudengenyeka kwenyika yose. Ndiko kuwedzera kukura muChinese , India, uye dzimwe nyika dzinotengesa mabhizimusi dzine mari yakawandisa yemari uye vanhu vaduku.

Chii chakanaka kuti hupfumi hurege kunge hwakakunakira iwe - uye zvisiri izvo. Apo hupfumi hahuna chokwadi, inguva yekudzivirira. Nzira chete yekuita izvi ndeyokuwedzera mari yako uye kuderedza mari yako. Nenzira iyo, uchava nemari yekuderedza chikwereti chako. Mushure maizvozvi, iva nechokwadi chokuti une chituro, uye zvino uwedzere mari yako. Izvo zvakanyanya kushandiswa kwekutsvaga isati iri nzvimbo dzakasiyana-siyana .

Kana zvichibvira, iva nechokwadi chokuti une chikoro chekoroji. Dzidzo ndiyo huru inoparadzaniswa munharaunda ino - kushaiwa kwebasa kwekorosi yemadhora hafu yevhareji. Kunyangwe zvazvo dzimba dziri mumatongerwo emadhura, zvingave zvikwereti zvekuda , tenga chete imba iwe unogona kuwana nyore. Zviduku zvedzimba, zvidha zvishoma iwe uchafanira kutenga kuti uzadze. Upfumi huchaita kuti urege humwe hukuru hukuru, asi nenzira imwe neimwe, iwe unenge uine nzvimbo yakanakisisa yekutonga.