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Rawan sha'awa mara kyau: ta yaya suke aiki a aikace?

Michael Fasogbon

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Farashin riba yana da matukar muhimmanci ga canjin waje Kasuwanni. Babban bankin kasar ne ke bayyana adadin kudin ruwa.

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Kayan aiki ne na sarrafa tattalin arziki - ko dai ta hanyar kara yawan kudin ruwa don dakile hauhawar farashin kayayyaki, ko kuma ta hanyar rage yawan riba don bunkasa ci gaba.

Me yasa kudin ruwa ke da mahimmanci?

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Kudin da babban bankin kasar ke cajin bankunan kasar nan don ba su lamuni kuma su kan yi amfani da shi a matsayin tushen abin da suke cajin abokan huldar su na kudade.

Har ila yau, adadin kudin ruwa shi ne abin da babban bankin ke biya wa masu zuba jari a cikin kayayyakin bashi da yake bayarwa.

Wannan ya sa ya zama kayan aiki na babban bankin da ke da tasiri a kan hauhawar farashin kayayyaki, haɓakawa da kuma canjin canji: idan kudin ruwa ya yi ƙasa kuma bashi da arha, mutane sun fi son kashewa, wannan zai iya haifar da ci gaba, amma kuma farashin farashi saboda akwai farashi. ƙarin buƙata; Idan kudin ruwa ya yi yawa, farashin bashi zai yi girma, haɓakar zai ragu kuma hauhawar farashin kuma zai kasance saboda faɗuwar buƙata.

Yawan hauhawar riba

Lokacin da babban bankin ya kara yawan kudin ruwa, yana da tasirin karfafa darajar kudinsa akan sauran kudaden.

Lallai, ƙimar riba mafi girma tana tabbatar da mafi kyawun sakamako ga masu saka hannun jari (ta hanyar musayar musayar musayar waje).

Alal misali, idan Fed ya haɓaka ƙimarsa, matsayi na dala ya fi riba kuma masu zuba jari za su juya zuwa kadarorin dalar Amurka don cin gajiyar wannan ramuwa.

Don haka Dalar za ta kara daraja a kasuwar canji.

Rawan Riba Mara Kyau

Yawancin bankunan tsakiya sun rage yawan kuɗin ruwa zuwa matakan da ba su da kyau.

Wannan yana nuna cewa bankunan kasuwanci suna yin asara idan suka ajiye kudaden da suka wuce kima a babban bankin, domin sai su samu kasa da abin da suka ajiye.

Rashin riba mara kyau wani abin ƙarfafawa ne ga bankunan don ba da rance ga jama'a, wanda zai iya haɓaka haɓakar tattalin arziki da hauhawar farashin kayayyaki, manufofin babban bankin a cikin ƙasashe masu ƙarancin hauhawar farashi da ƙarancin haɓaka.

Hakanan za su iya yin tasiri akan musayar musayar, saboda akwai abin ƙarfafawa don saka hannun jari a cikin kadarorin da aka zaɓa a cikin wasu kuɗaɗe tare da ƙimar riba mai girma.

Wato suna inganta faduwar darajar canjin kuɗi. Rage darajar kuɗi yana tasiri girma, saboda yana ƙarfafa fitarwa.

Koyaya, ma'auni ne na sabon labari kuma akwai ɗan gogewa tare da ƙimar riba mara kyau. Masana tattalin arziki suna bibiyar wannan sabon lamarin.

Wasu munanan sakamako na iya zama raguwar ribar bankunan da yawan haɗarin da masu zuba jari ke yi saboda ƙarancin riba.

Akwai haɗarin haifar da kumfa a wasu sassa, kamar gidaje.

Manazarta da dama na kallon rashin riba mai yawa a matsayin matakan matsananciyar cimma burin hauhawar farashin kayayyaki da ke cutar da tsarin hada-hadar kudi da daidaiton tattalin arziki.

Ƙasashen da a halin yanzu suna da ƙimar riba mara kyau sune Denmark (-0.65%), Switzerland (-0.75%), Sweden (-0.35%) da Japan (-0.1%).

Babban Bankin Turai (ECB) kuma yana da ƙimar riba mara kyau na -0.3%.

Idan sun yi aiki, shin muna farkon sabon zamanin duniya na ƙimar riba mara kyau? Wane tasiri mara kyau na riba zai iya haifar da tattalin arziki?

Rawan Riba mara kyau a cikin Tarayyar Turai

Babban Bankin Turai (ECB) ya kiyaye adadin ribar sifili tun daga tsakiyar 2012 kuma mara kyau tun tsakiyar 2014, don guje wa tsammanin ragi.

ECB yana da burin hauhawar farashi na shekara-shekara na 2%, yayin da tsammanin hauhawar farashin kayayyaki a cikin 2015 shine 1% na shekaru 4 masu zuwa.

Banbancin kudin ruwa tsakanin Turai da Amurka ya taimaka wajen faduwar darajar Yuro idan aka kwatanta da dala.

Rawan Riba mara kyau a Japan

A cikin Fabrairun 2016, Bankin Japan zai ɗauki ƙimar riba mara kyau don guje wa tsammanin rashin daidaituwa.

Adadin hauhawar farashin kaya shine 0.2% (shekara zuwa shekara a watan Disamba 2015), yayin da manufar hauhawar farashin kaya shine 2%. Adadin riba shine -0.1%.

Japan tana fama da ƙananan yanayin girma (a cikin 2015 GDP ya fadi 0.1%) tare da ƙananan hauhawar farashin kaya.

Gwamnatin Japan ta riga ta yi ƙoƙarin haɓaka haɓaka tare da ƙarin kashe kuɗin jama'a da faɗaɗa kuɗi.

An yi la'akari da ƙimar riba mara kyau a matsayin ma'auni da aka aiwatar bayan wasu matakan gargajiya sun gaza.

Hukumomin kasar sun kuma ambaci mummunan halin da tattalin arzikin kasar Sin ke ciki, da kuma yadda kasuwannin hada-hadar kudi na duniya ke kara tabarbarewa a matsayin abubuwan da ke haifar da mummunan hasashe ga tattalin arzikin kasar Japan.

Yawan haɓakar samfuran kowane mutum na Japan shima yana shafar al'amuran tsufa kuma, ba kamar ƙasashen Turai ba, kusan ƙaura.

Rawan Riba mara kyau a Sweden

A game da Sweden, babban bankin (Risk bank) yana neman cimma burin hauhawar farashin kayayyaki na shekara-shekara na 2%. Hasashen hauhawar farashin kayayyaki na Sweden na wannan shekara ya kasance tsakanin 0.7% da 1.3%.

Bankin Risk yana da matsaloli wajen cimma burinsa na hauhawar farashin kayayyaki saboda faduwar farashin kayan masarufi da kuma ƙarancin farashin kayayyaki.

Faɗuwar darajar kuɗin Yuro ya sa farashin kayayyakin da ake shigowa da su Sweden ya ragu, wanda ya yi tasiri a kan hauhawar farashin kayayyaki.

Ta hanyar tallata bankuna don ba da rance ga jama'a maimakon saka kudade a cikin Riskbank, ana haifar da hauhawar farashin kayayyaki.

A lokaci guda kuma, riƙe kuɗin ƙasa ( krona na Sweden ) ya hana, wanda ke haifar da matsin lamba don rage darajarsa. Rage darajar kuɗi yana da tasiri mai kyau akan hauhawar farashin kaya.

Ba kamar Japan ba, tattalin arzikin Sweden ba shi da matsalar ci gaba, tunda yana da 3%.

Adadin riba na Riskbank ya shiga yanki mara kyau a cikin 2014.

Rawan Riba mara kyau a Denmark

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Matsakaicin riba a Denmark shine -0.0172%

Denmark tana da kuɗi (kambin Danish) wanda ke ɗaure da Yuro tare da yuwuwar bambancin 2.25%.

Adadin riba mara kyau na bankin kasa na Denmark (babban bankin Denmark) ya kasance a cikin mummunan yanki tun tsakiyar 2012, don kiyaye farashin Danish Crown kusa da na Yuro.

Kamar yadda Babban Bankin Turai (ECB) ya rage yawan ribarsa don magance raguwar darajar kuɗi, bankin ƙasar Denmark kuma dole ne ya rage yawan ribar don hana kambin Danish daga daraja.

Idan bankin kasa na Denmark bai rage yawan kudin ruwa ba, masu zuba jari za su sayi kadarorin da aka zaba a cikin Danish Crowns don cin gajiyar bambancin yawan amfanin ƙasa; da hakan zai kara darajar kudin.

Denmark na cikin tsarin tsarin kuɗin Turai. Tsarin musayar Turai (ERM), wanda Denmark ta bi shi, ya kafa yuwuwar canjin Crown Danish da Yuro.

Tsoron masu sharhi game da halin da ake ciki a Denmark ya shafi zaman lafiyar tsarin kudi da tattalin arziki.

Farashin jinginar gidaje na ɗan gajeren lokaci ba shi da kyau kuma farashin kadarorin ya tashi sosai, musamman a Copenhagen, babban birnin Denmark.

Rawan Riba mara kyau a Switzerland

Matsakaicin riba na Babban bankin Swiss (SNB) shine -0.75%.

Switzerland ta rage yawan ribar zuwa ƙasa mara kyau a watan Yunin 2014, a daidai lokacin da aka yi watsi da rufin 1.20 francs akan kowane Yuro.

Daya daga cikin dalilan shi ne raunana kudin kasar Switzerland, wato franc na Swiss, don karfafa tattalin arziki da kara hauhawar farashin kayayyaki.

{Asar Amirka ba ta yanke hukunci game da ƙimar riba mara kyau ba

Babban bankin Amurka zai gwada ikon bankunan Amurka don yin aiki tare da ƙimar riba mara kyau na dogon lokaci.

Za ta gudanar da gwajin danniya wanda yawan kudin ruwa ya shiga yankin mara kyau a cikin 2016 kuma ya kasance mara kyau har zuwa 2019.

 

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Kashi 71% na asusun mai saka hannun jari suna asarar kuɗi lokacin kasuwanci na CFDs tare da wannan mai badawa.

 

Wannan baya wakiltar hasashen, kawai gwajin ƙarfin bankunan, kodayake ana la'akari da shi azaman hanyar da za a iya ɗauka.

Koyaya, tsammanin yanzu shine cewa Tarayyar Tarayya za ta ci gaba da haɓaka ƙimar riba. A halin yanzu burin yana a 0.25% (a cikin Disamba 2015 ya tashi daga 0%).

Idan Amurka ta ci gaba da haɓaka ƙimar kuɗin ruwa, wannan zai yi tasiri mai kyau a kan tattalin arzikin Turai kuma ya rage matsin lamba kan farashin ruwa.