Commercial mabhanga - ibhuku chokusika kana vapfume?

Abayiwa pamusoro pfungwa haagoni kuratidzwa chete peji akadhindwa rwezuva. Saka, ticharatidza schematic uye Chidimbu vadyi wemari vezvokutengeserana pamahombekombe nezvavatorwa inivhesitimendi. Ko nguva dzose pemahombekombe vari kukura kana kakawanda akafumuka (pasi achinyepera mavara okushambadza mapepa)? Ko zvaitika nemasangano vakatengesa chine private asi mutengi? Ko aripo kutarisira Central Bank kwakaita mukuru utariri mabasa dzokutengesa mubhengi?

Quick chiedza macroeconomic basa

The upfumi Nyika inodzorwa vaviri-weDanho rwezvemabhengi hurongwa, dzinotungamirirwa musimboti mabhanga ehurumende anazvo. Wokutanga pamwero ine ezvokutengeserana mabhanga - multifunctional vaishandira mamiriro hwenyika. Achitungamirirwa, uye vachishanda pamwe Central Bank munyika akaita mabasa zvebhizimisi mabhanga. Chakaberekwa mari (mari uye noncash). An zvoupfumi chinokosha kushanda ezvokutengeserana mabhanga anokweretesa bhizimisi uye nemhuri. Vari pasi kudzorwa Central Bank munyika kuitwa currency kutendeuka. Nemamwe mashoko, yezvokutengeserana mabhanga - ndiye "workhorse" mari ino, nokuti pave mugove chikuru yose mari uye nzvimbo mabasa upfumi, SERVICING nhoroondo dzakawanda vatengi vavo.

The "akaipa" wokumwe utariri. ake nzira

Vadyi wemari chimiro chesangano ezvokutengeserana mabhanga zvinowanzosanganisira kutengwa kutonga rokutambudzikira nokuda makuru vatorwa rwezvemabhengi makambani. Misika edu, vanouya nokuti mubereko mukuru prices - huru munhoroondo kuti "zvakachipa" uye "anodhura" mari. Mari yedu --Super zvinodhura. mabhanga edu rokutengesa - a Klondike chaiye unotiranga pamusoro kwezvikwereti. Ngatitii zvokutenga "A" kubhengi nharaunda samambure pamatavi 500, rava "mwanasikana" rwezvemabhengi boka wokumwe. Sei kufunga zvichibvira kutyisidzirwa kuti epamba rwezvemabhengi hurongwa? Kuita sale, zvakakosha kumisa yakakwana utariri mitemo akadzikinura pfuma yakaoma.

Bad kana makaro kwazvo tarenda

Bank - kunyatsogadzikana chimiro, uye zvinofanira hunovapo zvakakwana utariri. Nokuda kwechimwewo chikonzero, nechepakati mabhanga akabvumira kukukurwa merchandising. Iyi pfungwa inokosha zvikuru. Rwakakwana kuronga yezvokutengeserana mabhanga - kurwisa kuvimbika rwezvemabhengi hurongwa. Pano ose anonyengera zvakanaka, somuenzaniso, kwemitengo yezvinhu rendi. Muchiitiko chino, maneja wokumwe anowana zvose kuti anofanira - zvenguva pfupi purofiti. Asi mamaneja vatorwa musafunga pamusoro kuvimbika kwedu rwezvemabhengi hurongwa, uye nzvimbo yavo basa rinobatana rokuti chesungano. Izvi, Sezvineiwo, idambudziko renyika.

Usakanganwa kuti yezvokutengeserana mabhanga - vari vashandirwi zvikuru, ichipa mazana ezviuru mhuri mari. Asi mekuparadzanisa "A" vashandi bhengi havashandi, uye "mwanasikana" iri kuderera, kurasikirwa mumwe "workhorse" pakati pamatavi awo. Uye pano mubhangi yedu "A" panguva pakuguma kota akacheka 20 nemahofisi akadaro. Mumakore matatu basa rakadaro chete hafu mumahofisi vacharamba vari profitability zvakanaka. Kupi Central Bank? Iye zindoga.

Zviratidzi nyanzvi kusaita zvinhu nomazvo utariri

Kunwisa ritaure basa kwemubairo dzavo wokumwe webasa hakufaniri kuva chinangwa kuderedza kuda kuva kubhengi wacho Zimbabwe tariffs. Nheyo vasiri achiipa prices zvinogona zvikuru bargained kuti kana kutengesa sangano. Pashure pezvose, zvipfuwo yezvokutengeserana mabhanga - chivakwa kuti pakutanga havafaniri zvinoshatisa unhu kwayo.

Mashoko nechepakati mubhengi uye hurumende inofanira kuziva chikonzero chaicho nei kamwe kamwe kubhengi deposits vava dzavo kufarira kuyeuchidza kutira nhoroondo uye zvikwereti vave non-zvemakwikwi chinangwa. In mamiriro rapanzvimbo pachake mutoro vekambani nokuda Kushatiswa unhu rwezvemabhengi tariffs, zvinofanira kukudziridzwa - hwaro hwayo pakuzadzisa nezviratidzo nokunyanyisa "Kudzvinya" mari mubhangi, nokukuvadzwa maererano kwayo. Kana Kutarisira chakaita kuti Kushatiswa chinangwa mamiriro kubhengi "A", zvingava nomusoro nokuti Central Bank vane zvireruke chaiyo kugadzirisa zvinhu.

Achipedzisa nyaya, ndinoda kuziva kuti vezvokutengeserana mabhanga - sangano rino zuva nezuva uye vanoramba kufondoka zvakaoma kuti mari ichaita kuti mamiriro aritore yakatanga.