Yintoni esongela "ezamahala ezidadayo" engange? Ngenxa yoko i-Central Bank lihlisa engange kwi "swimming free"?

Into yokuba uqoqosho Russian yeyela ngomgibe, phantse zonke iingcali zithi kwiminyaka yakutshanje. Kodwa yintoni esongela edadayo simahla engange? ummi Russian zesiqhelo ukuze kubonakale ukuba imiba yezimali ezinjalo akazange zinxulumene, kodwa enyanisweni ukuba abantu abaqhelekileyo kwilizwe lethu, le ngxaki ichukumisa kuqala.

Yintoni i "lokudada free"?

Akumangalisi ukuba namhlanje, abatyali nje kuphela kodwa baseRashiya zesiqhelo ngenkuthalo esweni imeko kwimarike imali yelinye ilizwe. Ruble iya abhabhe ngokukhululekileyo, yaye phantse kuthetha ukuba kungekudala ubunzima iingxaki zemali kubonakala luninzi lwabantu Russian. Isibakala sokuba lwemali kazwelonke abe okutyekisayo, waziwa kunyaka ophelileyo. iingcali Ukukhokela kanye bezimali baye bathi ngokuphindaphindiweyo ukuba Bank Central (CB) ilungele ukufuduka. Kodwa yintoni na "edada simahla" nendlela kuchaphazela izinto kakuhle-ntle umntu ofanayo namhlanje? Ngamagama alula, imeko efanayo Kwenzeka kwimarike lwemali, apho urhulumente liyayeka nje ukulawula izinga ngoncedo lwemali. Oko kukuthi, urhulumente akenzi nto, ukuba imali yesizwe liqala ukuze bawe. Care Ruble edadayo free - amathuba kwezoqoqosho Russian, kodwa, ngenxa abahlalutyi ezininzi, nemeko efanayo yaphuhliswa kwixesha elizayo ayinakuphepheka.

Izizathu kukuwa engange

Ngenxa yoko i-Central Bank lihlisa engange anta ngokukhululekileyo? Eneneni, izizathu zesigqibo enjalo kuba baninzi, kodwa iphambili ukuba umlawuli akusekho nakho ukuxhasa lwemali kazwelonke ukuya kangangoko kuyimfuneko. Njengoko yaziwa, le engange ekupheleni kuka-2014 uphulukene ngokupheleleyo indawo yayo. Ngethamsanqa, uninzi lwabemi kuye kwafuneka ixesha ukulungiselela oko kuya kufuneka kwakhona kufumana i crisis kwezoqoqosho. Kubalulekile ukuphawula ukuba kwilizwe lethu le kuwa zenzeka rhoqo isimanga, yaye uninzi lwabemi Russian sakuqhela utshintsho ngequbuliso ezo kwiimalike zemali. Ngomhla imo engange nempembelelo kakhulu imeko neAfrika ehlabathini, endiwazuze kuphela nokudliwa Russian ye eCrimea kunye ungquzulwano kwimpuma Ukraine. Izohlwayo eziye isicelo ukuphendula kwezi zenzo, baye baba oyena nobangela beengxaki kulo nyaka. Kwakhona, musa ukulibala ukuba ilizwe lethu kubaluleke kakhulu ixabiso nayo leyo yawa kunyaka ophelileyo oyile, phantse kabini.

Oxhamlayo?

Kutheni CBR kunciphisa kunye neqondo lotshintshiselwano kunye nokuba kuthetha ntoni? Kucacile ukuba le meko iindleko eemveliso kakhulu kwilizwe lethu liya kwanda kakhulu, yaye zonke nefuthe elibi kakhulu kwi imeko yemali ye-avareji ummi Russian. Yintoni esongela esidityanisiweyo ukuqubha engange abantu abaqhelekileyo? Ubuncinane into yokuba nkqu essentials ibiza kakhulu. Sisazi ukuba imeko yezimali uninzi baseRashiya kakhulu yaseXhora, siya kucinga ukuba ukuwa kwezomnotho ezayo iya kuba yintlekele ngokwenene. Ngelo xesha linye urhulumente ngokwayo inzuzo ngokwaneleyo ukugcina imali engange kwi amanqaku asezantsi kunokwenzeka. Wonke umntu uyayazi into efana kumazwe angaphandle. Usoloko Russia ithumela amandla kunye nezixhobo, kuba lowo wamkela, enyanisweni, imali eninzi imali amazwe, kuba, njengoko sisazi namhlanje urhwebo phakathi kwamazwe zibalwa eerandi. Kubonakala ukuba ngoxa abemi abaqhelekileyo bazama ukufunda ukuhlala ngeranti ntle, urhulumente uyayinikwa kakhulu zokuthumela, kuba iindleko zonke iinkampani 'kubalwa imali engange cheap Russian.

Yintoni esongela inkululeko engange?

Yintoni enokwenzeka ukuba lwemali kazwelonke, ukuba namhlanje yena Ungena simahla-ukuqubha? Okokuqala, Kakade ke, imakethi iya kuba nje ngaphandle kolawulo, nto leyo ithetha ukuba kwakhona iza kuba inani enkulu bamazwe abafuna ukwenza imali. Urhulumente abazi nto kuthinjwa, kunye ngabemi abaqhelekileyo abayi kufumana nje umvuzo kodwa ephantsi kwakhona iinzuzo zentlalo, ezifana pension kunye nezibonelelo. Ngokweliso, inani iintlawulo, Kakade ke, kuhlala kunjalo, kodwa imali baseRashiya Andinamali ngaphantsi kakhulu. yonke Uqoqosho karhulumente wethu kakuhle ngokwaneleyo ukuba yintoni eyenzekayo imali wesizwe, kwaye abanikazi kweenkampani ezithumela abadli ukubuza umbuzo: "Yintoni esongela engange ukuba abhabhe ngokukhululekileyo, yaye oku kunokuba neempembelelo labemi," Okukhona uqala ukubuyisa uqoqosho isimo sangaphakathi, i ngokukhawuleza uba namandla kunye lwemali kazwelonke, ngoko nje ngabantu abaqhelekileyo nje kuba nakwenza ngandlela yimbi ngaphandle ukufunda ukuhlala kwindawo entsha. Njengokuba eqhelekileyo kwilizwe lethu, akunjalo?

Ukuqala 2015. Kutheni imali engange kwaqinisa?

Nangona into yokuba iingcali ezininzi babeqinisekile ukuba lwemali kazwelonke uya kuba kumgangatho osezantsi ukuba iminyaka embalwa, le meko kakhulu ekuqaleni kuka-2015. Le imali engange kubalulekile ukufunda ukuntywila, akuba engene endaweni free-ukuqubha, iingcali ekuthini, kodwa enyanisweni waba ngokwahlukileyo kancinci. Enyanisweni, lo lwemali kazwelonke Russia ayikho kodwa ukulungele ngokuzimela ukukhula, kwaye isizathu esibukhali jump olunjalo amafutha kuba ziindleko ezinkulu kakhulu. Black Gold ngokwenene waye waqala ukuba ukwenyuka kwamaxabiso, yaye oko sizathu ukuba waqalisa ukukhula kunye engange zasekhaya. Kodwa ke oku akuthethi ukuba oku kuza kuqhubeka kwixesha elizayo. Okwangoku, iingcali ukuqinisekisa ukuba imali engange phantse ezimeleyo yeoli, negolide abamnyama, ke, ngoxa bema kwindawo ethile. Oku kuthetha ukuba xa imeko zemali le iya kuhlala sizinzile kakhulu, kodwa kuya kuthatha ixesha elingakanani?

Yintoni ekufuneka ukuba uphephe "ezidadayo free 'imali engange?

Ngako oko, yintoni esongela engange ukuba zidade ngokukhululekileyo, sele kwenzekile ukuba isigqibo, kodwa ukuba unako papalata namhlanje? Iingcali bacebisa ukuba baseRashiya nokungoyiki kwaye zama ekupheleni kuka-2014, ukuthenga yonke imali yonke imali yelinye ilizwe. Yonke into kuyimfuneko ukwenza sikaRhulumente ukwenzela ukuthintela imeko enjalo - kukuba ukubuyisela zonke izikhombisi zoqoqosho. Xa amazwi, kuvakala kulula ngokwaneleyo, kodwa ukuliphumeza ebomini kakhulu nzima. De kwiinyanga ezimbalwa ezidlulileyo, abahlalutyi abaninzi bakholelwa ukuba ukupheliswa kwezohlwayo EU kuya kunceda ukuzinzisa eRussia. Kodwa yonke into kanti kakubi kakhulu, yaye namhlanje Russia ngokwayo iye yandiswa imida yayo kwicala amazwe aseYurophu. Yonke le meko zinzima kwi zemali kwaye ke imali engange buthathaka indawo, kakade. AmaRashiya kufuneka ilungiswe ngenxa yokuba yibhanki eyongameleyo anamathele kwindawo yayo zangaphambili uze ube nesibindi ukuvumela edadayo engange ngokukhululekileyo.

Yintoni zimali?

Abatyali nazo ngoku uqonde into esongela edadayo simahla engange, ngoko zama kangangoko kunokwenzeka ukulungiselela esi siganeko. Iingcali ziye sele ukuthumela imali yabo kwi lweentsingiselo zemali kakhulu, umzekelo, iingcali bacebisa imali ingqalelo abagcinisa kwi izibambiso zeenkampani Russian kwixa elizayo iya kuqalisa zibonisa ukuba imeko iyathembisa. Kodwa loo mali njengoko deposit yotyalo okanye idiphozithi lwamaphepha, ukunceda abatyali ukuba umvuzo nje kuphela, kodwa musa ukuchitha ixesha malunga nolawulo lwabo asethi. Nangona kunjalo, kubalulekile ukukhumbula ukuba umsebenzi nezibambiso kufuna izakhono ezithile kunye nolwazi. Ngoko ke, akukho ngozi kwabasaqalayo ziya kufuna uncedo iinkampani zolawulo okanye ukunika ukhetho-mali efanayo. Kutshanje, nice ukubona kwaye kwimarike amatye anqabileyo. Indawo kuphela apho namhlanje Kungumngcipheko kwaye engeluncedo lwanto ukugcina imali yabo - ukuba iibhanki ukuba abemi ngasemva yandisa isitshixo izinga lula phezu kwamehlo bephelelwa isibheno abo. Emva koko, iidiphozithi yebhanki indawo yokuqala bazive into esongela edadayo simahla engange.

Yintoni eza kwenzeka engange ngo-2015-2016,

Ngoxa iingcali Musa ukungxama ukucinga oko kuya kwenzeka kunye engange Russian kwiminyaka embalwa elandelayo. Le meko ngokwenene phantse akucingeleki, kuba zininzi kakhulu izinto eziza kuchaphazela uqoqosho lwelizwe lethu. Okona kubalulekileyo, kunye nabatyali-mali, yaye abemi abaqhelekileyo Russian bayazi kakuhle into esongela edadayo simahla engange, kwaye ke ngoko sele ulungiselela ngenkuthalo ukuba kungenzeka ukuba ube lixhoba ekuweni kwezoqoqosho. Le umhlaziyi ingakumbi ukugxininisa ukubaluleka imeko neAfrika kunye bunzima emalikeni zegolide emnyama. Yintoni eza kwenzeka engange, ukuba Central Bank ke iyadada ngokukhululekileyo? In Russia uya kuqalisa kwakhona nengxaki enkulu kwezoqoqosho, apho uya kumka iminyaka eliqela. Kuyo nayiphi na imeko, silindele ukuba imali engange uya kukhawuleza ukubuyisela kwindawo yayo, abemi belizwe lethu musa ukuba.