Umkhakha wamabhange uyawa - Ungahweba kanjani endaweni enenzalo ephezulu?

Isitatimende sephephandaba: Kusukela ekupheleni kwesonto eledlule, imboni yamabhange ilokhu izamazama kwaze kwaba sezisekelweni zayo. Ngemuva kokuwa kwakamuva kwe-Silvergate, i-Silicon Valley Bank ne-Signature Bank bavale iminyango yabo ezinsukwini zakamuva. Ingabe lesi yisiqalo somphumela we-domino, noma nje izimo ezingazodwa zokuphatha okubi? Inkampani yokutshalwa kwezimali i-XTB yasakaza ukusakaza mayelana nalo mcimbi ongajwayelekile, lapho umtshali-zimali UJaroslav Brychta, umhleli oyinhloko we-Roklen24.cz UJan Berka kanye noMhlaziyi Omkhulu we-XTB UJiří Tylečekbaxoxa ngezinto ezibaluleke kakhulu.

Ngokusho kwabo bonke abathintekayo, umongo waso sonke isimo ubalulekile, okusalokhu ikakhulukazi umthelela wokushaqeka kwe-covid kanye nenkathi elandelayo yemali eshibhile, lapho idiphozithi yasebhange ikhula ngerekhodi eliphezulu kanye namabhange (uma kubhekwa isimo somnotho isikhathi) iqondise imali ezimpahleni "eziyingozi kakhulu". Esinye sezizathu ezinkulu singabalelwa emalini ephansi kanye nokulawulwa kobungozi ohlangothini lwamabhange ahlulekayo. Lesi yisimo esibukhoma esingashintsha nganoma yisiphi isikhathi, kodwa okwamanje kubonakala sengathi abanikazi be-akhawunti abaningi akufanele balahlekelwe amadiphozi abo, noma okungenani hhayi bonke. Kodwa-ke, isimo sabanikazi bamasheya balezi zinkampani asisihle kangako.

Ungafunda futhi mahhala umbiko wokuhlaziya ngesihloko se-SVB kanye nomkhakha wamabhange.

Ukuwa kwala mabhange ngokungangabazeki kwaba igalelo elikhulu emhlabeni we-crypto - i-Silvergate ne-Signature Bank bekungamabhange amakhulu ezinkampanini ze-crypto zase-US. Isibonelo, babe nama-akhawunti nge-crypto exchange Coinbase noma inkampani Circle, engemuva kohlamvu lwemali oluzinzile i-USDC (ithokheni ye-crypto enenani ledola elilodwa). Kuyiqiniso elaziwayo ukuthi izinkampani ze-crypto zinezinkinga ezinkulu ngamabhange, ngakho-ke cishe kuzoba nzima ukuthola enye indawo. Ngakolunye uhlangothi, amabhange amakhulu afana ne-JPMorgan Chase, i-Bank of America noma i-Citibank angazuza kulesi simo, ngokusekelwe ekutholweni kwamakhasimende amasha.

Ungazuza kanjani ezimweni ezinjalo esikhathini esizayo, isibonelo ngokuhweba kwesikhathi esifushane (ukunciphisa), noma uhlukanise iphothifoliyo yakho futhi ngaleyo ndlela unciphise ukulahlekelwa, ungafunda ku- Ingqungquthela Yokuhweba Nge-inthanethi, azokhuluma ngalo ochwepheshe bezimali abayisithupha abahamba phambili baseCzech naseSlovak nabahwebi abangochwepheshe. Inzuzo ukuthi izosakazwa ku-inthanethi, ukuze ukwazi ukubuka yonke into ngokuqondile ngokunethezeka kwekhaya lakho.