Yini setha imfuneko esiqiwini?

Le mfuneko wokugodla njengelinye lamazwe amathuluzi ephumelela kunazo kwenqubomgomo yemali kahulumeni. Le nkomba isethwe yibhange emaphakathi yezwe commercial credit izikhungo kanye kuvikelwe ngumthetho. Inhloso zigcine iwukuba ukuthathelwa umshuwalense ohlelweni Banking kusuka izimo ezingalindelekile, ukuze silondoloze ezingeni zezimali kanye nokwenza inzuzo. Ngaphezu kwalokho, yini ukwandisa nokwethenjelwa ukuqinisekisa ukuphepha ukonga izakhamuzi ', kukhona ku idiphozi akhawunti.

Njengoba isici esingishukumisela uma udala zigcine edingekayo, yisifiso njalo ethile imali, ngenxa okuyinto imali ebhange ikhasimende emuva ngendlela esifike ngesikhathi. Ngo isimo somnotho sanamuhla, uhulumeni usebenzisa zigcine lokulawula ivolumu imali supply. Ngokwesibonelo, lapho bebhekene uya imali eningi kakhulu, futhi ngokuqondene ne yashesha tilinganiso emali, esiqiwini imfuneko inyuka ngokuqondile. Ngakho, kukhona ukwanda izindleko nemalimboleko futhi containment izimali maphakathi imali yokukhokha National Bank.

Ungakhohlwa ukuthi ngokusebenzisa lezi reserves uhulumeni elawula izinqubo zemvelo emakethe yezimali, silungisa ukubaluleka izibambiso. Nokho, leli thuluzi kufanele ilawulwe kahle, ngoba, ngaphezu ithonya elihle kungaba ukugqamisa izinkinga eziningi. Ngokwesibonelo, njalo siguqula imfuneko reserve kudala Ukungadli lonke uhlelo yasebhange, ngakho indlela ukuzivumelanisa nezimo ezintsha noma yisiphi isikhungo credit kunzima. Ngaphezu kwalokho, inani okubhekwe esiqiwini, angaphansi intela, okusho ukuthi ingxenye izimali isitsha commercial elahlekile irretrievably.

Bank Okubekiwe kumele iqukathe ezanele silondoloze ukuzinza sezimali zenhlangano kulesimo esiguquguqukayo. Uma bengekho, ngamabhange kufanele ukuboleka National Bank ukuthengisa noma iyiphi ingxenye izibambiso yabo. Futhi ngenxa yalokho izinga of impahla ibe yimali jikelele abahlukene encishisiwe. Le ndlela kungabonakala nasemkhakheni begodu kukhula izidingo Reserve. Lapho zikhishwa ekunciphiseni credit izinsiza hamba ukusikhokha sonke isikweletu sale okhona, ngenxa yalokho kwandisa zezimali.

Le mfuneko reserve kungathinta ngesilinganiso isithakazelo esakhokhwa izinhlangano ezingokomthetho noma abantu njengoba kokhelo usebenzisa ikhadi lesikweletu. Yiqiniso, lapho uhulumeni elandela inqubomgomo "imali kuyabiza", inani iminikelo inyuka reserve - bese khulula credit izinsiza anawo ibhange ngesikhathi, kuba ezincane. Lona isizathu nesanda inani lenzalo ubhekene nenkinga yezimali. Nokho, ibhange elikhulu nohlobo akuyona njalo kungenzeka ukuba ukusebenza commercial izikhungo obolekisayo. Kungase kube nesimo lapho amabhange ukuhlinzwa okukhulu Ziningi amakhasimende, ngakho-ke ubukhulu omholo wazo siphakeme ngokwanele. isikhundla Namandla sezimali kwenza nikwazi ukudlulisela i-akhawunti-National Bank of izidingo reserve, ngaphandle kokushintsha usayizi zenzalo loans kanye imali.

Ngakho-ke, iziphathimandla zikahulumeni kufanele uhlole ngokucophelela izimo emakethe, ukuhlola kwamabhange, bese ukuthatha izinyathelo eziphathekayo ku umthelela umnotho. Yiqiniso, noma yiluphi ushintsho izidingo reserve kufanele kucatjangwe ngako ngekucophelela babeka nezaba. Ngo umnotho ozinzile ukwethulwa izinguquko ingase ibe nomthelela ongemuhle lonke uhlelo yasebhange ke kunengqondo ukusebenzisa amanye iziyisikhombisa kwenqubomgomo yemali.