Is The Euro Ingcono I Dollar?

Imali yimali ekusakazweni kwesifundazwe esithile, esinquma izindleko zezimpahla nezinsizakalo. Ngokomthetho, imali akuyona kuphela iminonjana nezinhlamvu zemali. Lezi zimali futhi zingama-deposits asebhange nama-akhawunti, nemali eyayikhishwe ekujikelezweni ukuze ithathelwe ithathelwe indawo yamanje.

Futhi, imali ethile ingahambelana hhayi kuphela esimweni esisodwa. Isibonelo, i-Euro yimali esemthethweni yemali yamazwe angaphezu kwama-19 eurozone. Okungukuthi, i-euro yimali eyodwa yemali yabantu abangaphezu kwezigidi ezingama-340.

Ukukhetha lwemali futhi ukuze songe imali kusuka izinga lokwehla kwamandla emali ukulahleka isimo somnotho lwamanje neze umsebenzi eziwubala.

Esikhathini esiyiminyaka nokungathembani exchange emakethe angaphandle, abantu zijwayele ukugcina imali zamadola, euro noma enye imali, ukuzibuza umbuzo - kulokho lwemali ukugcina imali yabo? Lokhu kusebenza futhi ibhange be-akhawunti futhi labo abakhetha ukuba 'siqhubeke imali yabo amasokisi abo ekhaya.

Abantu abaningi bakhetha ukugcina imali yabo kumadola - lwemali ejwayelekile esilungele abantu abaningi emazweni amaningi. Naphezu kweqiniso lokuthi ochwepheshe abaningi labikezela dollar uzolahlekelwa isimo yayo njengendlela lwemali emhlabeni, kusukela 2014 exchange rate yayo akuzange nje ekhule futhi kwaqinisa kakhulu - zikhona kakade izibikezelo ukuthi dollar uyofinyelela euro silinganiso. Nokho, kuyinto kukhunjulwe kuwufanele ukuthi izici eziningi ezithinta izinga lokushintshisana - isimo somnotho, ezombusazwe nezenhlalo yezwe, ngakho izinga lokushintshisana ngezinye izikhathi ukushintsha ongayilindele ngokuphelele. Ngakho-ke, ungavumi ukwethuka ukusheshe exchange, ngokushesha nje lapho exchange rate senhliziyo kwelinye direction noma enye - ngokuthenga lwemali ngesilinganiso okusezingeni eliphezulu futhi bethengisa khona ngesilinganiso ongaphakeme, ungalahlekelwa ingxenye enkulu imali yakho.

Futhi okwamanje ungaqiniseki mayelana dollar. Khona-ke kulokho lwemali kufanele sigcine imali yakho? Naphezu kweqiniso lokuthi euro ingenye lomncane amayunithi yemali emhlabeni, emabhange abaningi bakhetha ezifakwa evulekile lwemali of the Old World. Izinga euro exchange incike iminotho emazweni okuqondene European Union, futhi sibonga usizo emazweni esimeni esibucayi kwezomnotho (isibonelo, Greece), isimo esinzima amalungu EU ngabanye akusho kakhulu ezithinta isikhundla lwemali European. Nokho, kokuqina komgomo wokuboleka amabhange ngezimali US kanye, kunalokho, fa the ECB sika ukuthenga uhlelo kungenza dollar lwemali encomekayo ukugcina imali.

Njengoba kushiwo ngenhla, akumele nje sizethembe izibikezelo wezazi. zimali abazimele abangayiqondi lokho zezimali ukuthenga belulekwa ukuba silondoloze kwesitsha bivalent - ukwehlukana imali yabo ezingxenyeni alinganayo phakathi euro kanye dollar, futhi uma sisilandela nazo ukhuluma ngani Russia ke ruble. Lokhu ikakhulukazi Kunconywa kulabo ungahlelile ukuthuthela kwelinye izwe nhlobo - le ndlela ikuvumela ukuba ugcine dolobha isikhathi eside. Uma izinhlelo umuntu ukuba bathuthele kwelinye lamazwe we-European Union noma insimu yase-United States, bese kuba ukugcinwa elibiza kakhulu ke, isibonelo, amadola, kusale amaphesenti 15-20 kuphela kwe-euro.

Ngayiphi lwemali ingabe kangcono esitolo ukonga

Cabangela ezimbalwa zezimali ethandwa kakhulu ezikhulunywa mayelana lapho exoxa indlela engcono kakhulu ukugcina imali.

ruble

I-EUR eshibhe kakhulu yokushintshana kwe-USD ngaphandle kwezimali ezifihliwe

Bewazi yini ukuthi ungavula kalula i-akhawunti yemali eningi ongabamba kuyo izimali eziningi, njenge-EUR ne-USD phakathi kwezinye, bese uguqula i-EUR yakho iye ku-USD noma i-USD yakho iye ku-EUR nganoma yisiphi isikhathi ngokuchofoza okumbalwa futhi okunye okuphansi kakhulu emhlabeni imali?

Ukubhaliswa kwamahhala

Yebo, kuyoba uzwakale engajwayelekile, kodwa esinye lwemali ethandwa lapho inombolo enkulu yabantu ukugcina imali lwemali Russian.

Buhle yokugcina imali e ruble.

1. Uma uthola iholo in ruble futhi uzochitha imali yakho kuzo, ukugcina imali yakho lwemali kazwelonke uzokusindisa kusukela exchange ukulahlekelwa.
2. ezifakwa Rouble yasebhange babe amaphesenti ephakeme kunaleyo izimali zakwamanye amazwe imali. Naphezu kweqiniso lokuthi inzuzo imali ngama-euro kanye dollar esanda lenyuka, lwemali kazwelonke Russian namanje outperforms umuntu wangaphandle kule ndaba.

Manje ake inkulumo mayelana nezingozi lwemali ruble.

1. I-ruble kunalokho engazinzile maqondana dollar efanayo.
2. Emali eRussia uye wahlala eliphezulu kakhulu u-Adalberto isikhathi eside. Ngo-December 2017, izinga isilinganiso ku ezifakwa ngonyaka abantu kwaba 5.38%, kanti ngonyaka izinga lokwehla kwamandla emali ingamaphesenti 2.5%, okungukuthi, depositor ruble ngisho ephethwe ukuze uthole kancane on the idiphozi. Kodwa ngo-December 2015, ingamaphesenti 10.04%, kanti ngonyaka izinga lokwehla kwamandla emali ingamaphesenti 12.9%, bese emabhange hhayi akagcinanga ngokuzibonela ukwandisa, kodwa ngisho elahlekile ingxenye imali yabo.

Dollars

Buhle ka dollar lwemali:

1. Kuyinto omunye zezimali kunazo Convertible emhlabeni, kusetshenziswa ukuthengiselana kakhulu, kanye main reserve lwemali amabhange eziningi ezimaphakathi nezwe, okuyinto ukhuluma esivuna ukuzinza dollar.
2. I dollar kungaphansi wavuma ukwehla kwamandla emali, nokubaluleka kwalo akuxhomekile Amathrendi besikhashana.

Nebubi of dollar lwemali:

1. Ukulahlekelwa imali lapho ukushintshisana ruble ku zamadola, bese emuva.
2. Ukuhlehlisa uma ufuna ukuguqula ukonga ku ruble futhi uthenge okuthile nabo. Ngokomthetho, ungavele ukuza ebhange kanye lwemali yemali ruble hhayi ningi than 40 eziyinkulungwane. Kusukela ruble 40 kuya kwezingu-100 kuyodingeka ukushintshwa nge passport, futhi ukuze abelane imali enkudlwana, usuvele kudingeka ugcwalise lemibuzo, ukhombise idatha iphasipoti, SNILS, TIN hhayi asole kusukela lezokuphepha.
3. I dollar kakhulu mbumbulu lwemali emhlabeni, ngakho kunobungozi ukuthi ezinye imali, uma uqhubeka zamadola ngaphansi komcamelo wakho, Kuyophumela ethubeni lokuba abe yinqwaba izikweletu engenamsebenzi.
4. Kukhona kungenzeka kwemingcele kahulumeni mayelana nokusetshenziswa kanye bashintshisane lwemali.
5. isithakazelo Abaningana impela ongaphakeme ku imali - 1,54% ngonyaka idiphozi izinyanga ezingu-12.

Euro

Buhle kwe-euro:

1. I-euro uzinzile ngempela, naphezu kwemibiko isifiso kwamanye amazwe ukushiya European Union kanye namanye izibhelu.
2. Okwazekayo, ukubaluleka kwe-euro akuxhomekile isimo umnotho kwelinye izwe. Ekusebenteni, isimo kancane ngaphezulu nzima, kusukela yokujama tsi zokukhiqiza uthi ezinkulu angamalungu e-European Union ngokuqinisekile kuzothinta ukuzinza kule mali. Nokho, okwamanje, i-euro ubukeka esitebeleni ngempela.

Nebubi of lolu hlobo lwemali:

1. Ingxoxo okwesula European Union emazweni ahlukahlukene kubonakala ukuzinza lwemali.
2. Naphezu lwemali ezivamile, akukho zezimali kanye intela isiqondiso jikelele yeYurobhu iba.
3. Lapho ukushintshisana, ungalahlekelwa enye imali, futhi lapha imithetho efanayo iyasebenza, owawuthi lemali ruble phezu ayizinkulungwane 100 kuyodingeka ukushintshwa nge iphakethe kwemibhalo.
4. I-euro has a okungenani idiphozi izinga kule ruble - dollar - euro triad - 0,31% ngonyaka idiphozi ezingu-12.

zezimali exotic

Ezinye zicabangela ukutshala imali kwezinye lwemali exotic akuyona njengoba othandwayo i-ruble, euro noma dollar.

Buhle zezimali exotic:

1. Noma ubani uyaqonda udaba bese ekhetha lwemali izwe umnotho ozinzile, ezimele ithonya kwamanye amazwe, uzokwazi thembeke ukulondoloza imali yabo.

Nebubi of zezimali exotic:

1. Uma zamadola euro kungashintshwa e cishe kunoma iyiphi igatsha ebhange, khona-ke kuyomelwe agijime ukuze zezimali angavamile.
2. Kunzima ukuthola indawo ukuyigcina: kuphakathi kokuthi ukubeka lwemali ngaphansi kumatilasi, noma unakekele ekutholeni ebhange phesheya, kusukela, isibonelo, eRussia kuyoba nzima kakhulu ukuvula idiphozi enjalo .
3. Abantu abangaphandle emkhakheni wezezimali kuyodingeka wenze ucwaningo agcwele lwemali. Ngakho, amaShayina yuan ukubukeka ezithembisa: umnotho wezwe likhula, ukubaluleka lwemali kuyinto cishe ezimele ithonya kwezomnotho nalamanye emave. Ngakolunye uhlangothi, ekukhuleni yuan kubophezeleke ngumbuso, okungasekelwe abanesifiso eqinisa lwemali kanye kuyanda yabenza zabasebenzi. Futhi okuhlangenwe nakho kwamanye amazwe kubonisa ukuthi containment yokufakelwa zokukhula ngokuvamile sigcina ngokuba ukwehla kwentengo imali.

Ngakho kulokho lwemali kufanele ugcine imali yakho?

Naphezu kweqiniso lokuthi dollar kanye euro babe nemibi ngokwanele, akusiyo ubuningi kodwa izinga agumenti ukuthi kufanele kubhekwe, kusukela ukuzinza kubaluleke kakhulu kule ndaba.

Kungcono ukugcina imali ngezimali ezahlukahlukene - amadola, ama-euro ngisho kwezinye izimo ngama-ruble. Ngokusho kochwepheshe abaningi, ekwehleni kwesendlalelo lokubala isikhathi eside kuzodla hhayi kuphela i-ruble, kodwa futhi nokonga imali yakwamanye amazwe. Ngakho-ke, ngaphezu kokugcina imali, kuhle ukusebenzisa ezinye izinsimbi zokutshala imali.

Kepha ochwepheshe abacebisi ukuthenga imali ehlukile, ikakhulukazi abaqalayo kuleli bhizinisi: ubungozi bokuthengiselana okungabekezeleleki buphezulu kakhulu.

Ngakho-ke, ngaphambi kokuthenga noma yiluphi uhlobo lwemali nokugcina ukonga kuwo, kuyadingeka ukutadisha imininingwane eminingi maqondana nemali ngayinye efanelekile, kanye nokutadisha zonke izingozi futhi uqaphele kakhulu ukuthengiselana okuhlobene nemali nokushintshana kwalo.

Imibuzo Ebuzwa Njalo

Yiziphi izinto ezinquma amandla we-Euro ngokuqhathaniswa nedola, futhi lokhu kuthonya kanjani ukuthengiselana kwamazwe omhlaba?

Amandla we-Euro aqhathaniswa nedola lithonywa izinkomba zezomnotho, ukuqina kwezepolitiki kanye nokuzwela kwemakethe. I-Euro enamandla ingaholela kumanani amahle okushintshaniswa ama-Euro abanikazi bama-International ukuthengiselana, kepha futhi angathinta ukuncintisana kwamanye amazwe.