Amanani ezimpahla ezidayiswa ngobuningi e-U.S. akhuphuke ngo-5.4% ngoNcwaba njengoba ukwenyuka kwamanani kuqhubeka

Okushintshile

Ngokusho kwe-AP Business, amanani ezimpahla ezidayiswa ngobuningi e-U.S. akhuphuke ngo-5.4% ngoNcwaba uma eqhathaniswa nonyaka odlule, esuka ku-4.7% ngoNtulikazi. Amanani akhuphuke ngo-0.4% kusukela ngoNtulikazi kuya kuNcwaba, kanti amanani ayisisekelo akhuphuke ngo-4.6% ngonyaka; amanani kawoyela nawo adlula ku-$100 umphongolo ngamunye ngesikhathi kuqubuka kabusha impi eMpumalanga Ephakathi.

Isimo esisheshayo simi kanje:

• Izindleko zamandla nezinye izindleko zokuthenga ngobuningi seziphinde zakhuphuka.
• Izintela zokungenisa ezweni zisengaba omunye umthombo wengcindezi.
• Le datha izosiza ekubumbeni isinqumo se-Federal Reserve mayelana nenzalo ngesonto elizayo.

Kungani lokhu kubalulekile

Lesi yisixwayiso ngenzuzo esele emabhizinisini ngaphambi kokuba inkinga ibonakale emalini ekhokhwa abathengi. Amabhizinisi athembele kakhulu kuphethiloli, kwezokuthutha noma ezintweni ezidinga amandla amaningi manje kufanele akhethe: amunce ukwanda kwezindleko bese ehola kancane, noma anyuse amanani abeke engcupheni yokulahlekelwa amakhasimende.

Umbono wethu (uwukuqagela okusekelwe olwazini): izindleko ezihlobene namandla cishe zizoqhubeka nokuba yingcindezi yokwenyuka kwamanani esikhathini esiseduze, njengoba amabhizinisi edlulisela okunye kwalokhu kwanda kubathengi lapho esenamandla okubeka amanani. Uma uwoyela uqhubeka ubiza kakhulu, abathengisi abancane nabakhiqizi bangase babe nendawo encane yokuvikela inzuzo ngaphandle kokunyusa amanani noma ukunciphisa umkhiqizo. Uma isidingo sibuthaka, bangase bamunce ingxenye enkulu yalokhu kushayeka esikhundleni salokho.

Emindenini, lokho kungasho ukuqhubeka kwengcindezi kumafutha ezimoto, ekudleni, ezingutsheni nakwezinye izidingo eziyisisekelo. Kwi-Federal Reserve, ingxenye enzima ukuthi ukwenyuka kwamanani kusephezulu ngesikhathi inzalo ephezulu icindezela umsebenzi wezomnotho. Izibalo zikaNcwaba aziqinisekisi ukwenyuka kwenzalo, kodwa zenza kube nzima ukubheka ukwenyuka kwamanani njengento esiphelile.

Indlela imiphumela engasabalala ngayo

Uchungechunge lulula:

1. Amanani aphezulu kawoyela negesi anyusa izindleko zokukhiqiza nezokuthutha.
2. Abakhiqizi, abathengisi namabhizinisi athembele kakhulu ekuthuthweni kumele bamukele inzuzo encane noma banyuse amanani okuthengisa.
3. Amanani aphezulu afinyelela emindenini uma izinkampani zisenamandla anele okubeka amanani.
4. Ukuncipha kwamandla okuthenga kungabe sekubuthisa isidingo, kwenze kube nzima ngamabhizinisi ukudlulisela ukwanda kwezindleko okulandelayo kubathengi.

Izintela zokungenisa ezweni zingaqinisa lolu chungechunge ngokunyusa izindleko zezimpahla nezinto zokufaka ezivela kwamanye amazwe. Umthelela ubungaba mncane uma amanani kawoyela ehla, izinkampani zimunca izindleko, noma isidingo esibuthaka sivimbela ukwenyuka okubanzi kwamanani.

Ukuhlolwa komthelela

Imindeni yase-U.S. yiyo esengozini enkulu yokulahlekelwa uma le ngcindezi ifinyelela kumanani ezitolo. Izokhokha kakhulu ngezidingo eziyisisekelo ngaphandle kokuthola amandla engeziwe okuthenga.

Abathengisi abancane nabakhiqizi babhekene nomphumela oxubile. Ukunyusa amanani kungavikela inzuzo, kodwa amakhasimende angase athenge kancane. Ukumunca izindleko kugcina isidingo sikhona, kodwa kushiya imali encane yokuqasha abasebenzi, yokutshala imali noma yokwandisa ibhizinisi.

I-Federal Reserve nayo ibhekene nobungozi. Amanani aphezulu ezimpahla ezikhiqizwa, kokubili esewonke nawayisisekelo, enza kube nzima umzamo wayo wokulinganisa ukulawula ukwenyuka kwamanani nezindleko zezomnotho ezibangelwa inzalo ephezulu yesikhathi esifushane. Ngakho isinqumo esilandelayo senqubomgomo sinesisindo esikhulu ezimweni zokuboleka nasekuhleleni kwamabhizinisi.

Abakhiqizi bamandla bangazuza kuwoyela odlula ku-$100 umphongolo ngamunye ngoba amanani abawatholayo namathemba emali engenayo angathuthuka. Kodwa lo mbiko awuvezi ukuthi abakhiqizi ngabanye banenzuzo engakanani noma ukuthi bazosabela kanjani.

Izimo ezingase zenzeke

Okungenzeka kakhulu

Uma amanani kawoyela eqhubeka ephezulu kodwa engakhuphuki kakhulu ngokushesha, amabhizinisi azokwenyusa amanani ngokukhetha, ngesikhathi emunca ezinye izindleko ngenzuzo encane emasontweni ambalwa kuya ezinyangeni eziyisithupha ezizayo. Lokho kuzogcina ingcindezi yokwenyuka kwamanani ikhona futhi kukhuthaze i-Federal Reserve ukuba ithathe indlela eqaphe kakhulu ezinqumweni zenzalo.

Le ndlela iba nokwenzeka kakhulu uma idatha yamanani abathengi ikhombisa ukuvuseleleka kokwenyuka kwamanani amandla noma kwezimpahla, kanti izinkampani zibika kokubili izindleko eziphezulu zezinto zokufaka nokwenyuka kwamanani.

Okuhle

Uma izindleko zamandla zehla futhi ingcindezi yezintela zokungenisa ezweni ingasabalali, ukwenyuka kwamanani ezimpahla ezidayiswa ngobuningi kungancipha ngemva kukaNcwaba. Amabhizinisi ayoba nesizathu esincane sokunyusa amanani, kanti i-Federal Reserve iyoba nenkululeko enkulu yokugwema ukuqhubeka nokuqinisa inzalo.

Lowo mphumela uncike ekutheni uwoyela wehle usuke emazingeni abikiwe kuleli sonto nokuthi idatha elandelayo yokwenyuka kwamanani ikhombise ingcindezi encane engaphansi.

Okubi

Uma uwoyela uhlala ngaphezu kuka-$100 umphongolo ngamunye, izintela zokungenisa ezweni ziba namandla futhi izinkampani zikwazi ukudlulisela kubathengi ingxenye enkulu yokwanda kwezindleko, izindleko eziphezulu zingasabalala kuwo wonke amaketanga okuhlinzeka ezinyangeni eziyisithupha kuya kwezingu-12 ezizayo. Amabhizinisi angase anyuse amanani noma anciphise umkhiqizo, kunciphise amandla okuthenga emindeni futhi kwandise ingcindezi kwi-Federal Reserve yokugcina inzalo iphezulu.

Lesi simo esibi sizoba namandla uma ukwenyuka kwamanani okuyisisekelo ezimpahleni zabakhiqizi kuqhubeka nokukhuphuka futhi izinkampani zimemezela ukwenyuka okubanzi kwamanani noma ukuncishiswa komkhiqizo.

Okulandelayo okufanele kubhekwe

• Umhlangano wenqubomgomo we-Federal Reserve ngesonto elizayo: ukuthi izikhulu zizogcizelela kakhulu ingozi yokwenyuka kwamanani noma zikhombise indlela yenzalo ephezulu isikhathi eside.
• Isilinganiso esithandwayo sokwenyuka kwamanani, esizokhishwa ngoSepthemba 30: ukuthi sizokhombisa yini ingcindezi eqhubekayo ehambisana nokwenyuka kwamanani abakhiqizi ngoNcwaba.
• Amanani kawoyela ezinsukwini nasemavikini azayo: ukuthi azohlala yini ngaphezu kwezinga elibikiwe lika-$100 umphongolo ngamunye.
• Izinqumo zezinkampani mayelana namanani nenzuzo: ukuthi zizowanyusa yini amanani noma zimunce izindleko eziphezulu zezinto zokufaka.