Iimboni yokuthumela ngenqanawaayiqhelekanga kwiinguqu kunye nokungaqiniseki. Nangona kunjalo, okwangoku ijongene nexesha elide lesiphithiphithi ngenxa yemingeni emininzi yezopolitiko echaphazela kakhulu imarike yolwandle. Iingxabano eziqhubekayo eUkraine naseGaza ziyaqhubeka nokuphazamisa ishishini kwiimbono zokhuseleko, ukubonelela, kunye nokusebenza. Okwangoku, eli candelo kufuneka liziqhelanise nemigaqo-nkqubo engqongqo ejolise ekuxhaseni utshintsho lwayo oluluhlaza. Ukongeza, igagasi lakutshanje lokhuseleko lwaseMelika lichaphazela ubudlelwane bezorhwebo obukhoyo, okunokukhokelela kutshintsho olukhulu kwiindlela zemarike zemveli.
Phakathi kwezi ngxaki zinkulu, utyalo-mali lwaselwandle luye lwatshintsha kakhulu kwiminyaka engama-20 edlulileyo. Ukusukela kwingxaki yezemali ka-2008, iibhanki zemveli ziye zasebenzisa indlela elumkileyo ngakumbi, kwaye imithetho eqinileyo iye yanciphisa ukuthandwa kwemali-mboleko kwiinkampani zemikhumbi. Izinto eziza kuqala kwiibhanki zezikhungo ziye zatshintsha ukususela ekupheleni kweminyaka yoo-2000, nto leyo eye yanciphisa umdla wazo kwizicwangciso zotyalo-mali eziqhelekileyo ezinexabiso eliphezulu, nezinobungozi obukhulu ezazikade zikhuthaza ukukhula ngokukhawuleza kweenqanawa kubanini beenqanawa.
Le ndlela inzima kakhulu xa kuthelekiswa nemvelaphi yeenqwelo-moya zehlabathi eziguga ngokukhawuleza, apho iinqanawa ezimalunga ne-15,000 zilindeleke ukuba zifikelele esiphelweni sobomi bazo bezoqoqosho kwiminyaka elishumi ezayo. Ngenxa yoko, imfuno yemali kushishino iyanda, ngelixa amaziko emali emveli esokola ukubonelela ngenkxaso.
Ukuvela kweendlela ezingqongqo zokubolekisa ngemali kukhokelele ekwandeni kokuthandwa kwamaziko emali-mboleko ahlukeneyo kushishino. Iimali ezifana neMareVia Credit Fund (eyasungulwa yiPelagic Partners ngoSeptemba 2024 ukuhlangabezana neemfuno zemali ezikhulayo zeli candelo) zinengqiqo yemarike kunye nokuguquguquka okuvumela intsebenziswano esebenzayo nezakhiwo zebhanki zemveli. Le ndlela ikhuthaza uphuhliso lweemveliso zemali eziguqukayo, isebenzisa amandla otyalo-mali amaziko amakhulu emali kunye nokuguquguquka, ubuchule bemarike, kunye nolwazi lweshishini lwababolekisi abakhethekileyo abahlukileyo. Ubudlelwane obunjalo bubalulekile ekudaleni iimveliso zokuqeshisa ezilungele iimfuno zecandelo lezelwandle.
Umzekelo, la maziko abolekisa ngemali, emva kokuba efumene ulwazi olunzulu kunye nolwazi ngemarike kwiminyaka yakutshanje, akulungele ngakumbi ukuziqhelanisa namathuba akhoyo, nto leyo ewenza azimisele ngakumbi ukuxhasa imali. Njengoko amazinga angaphakathi embuyekezo eyi-10-12% kunye namazinga enzuzo yebhanki eyi-3-4%, abanini beenqanawa bafumana imali eyahlukileyo eyayinikezelwa ngaphambili ziibhanki zemveli.
Njengodidi lweeasethi ezingadibaniyo, ishishini lokuhambisa inqanawa liye labonisa ukuqina ngexesha leengxaki, liqhubeka nokutsala abatyali-mali abafuna ukusebenzisa amathuba abalulekileyo avela kwezi ngxaki.
I-Pelagic Partners, ngamava ayo atyebileyo kunye nelifa layo kwishishini leenqanawa, izenzele igama njengengcali eyahlukeneyo, etyala imali kwiinkalo ezahlukeneyo zenqanawa zaselwandle kunye nezolwandle. Le ndlela idala ukuguquguquka kwamathuba otyalo-mali, ivumela inkampani ukuba iphume kwimarike ngamaxesha afanelekileyo ngelixa ibonelela ngembuyekezo eqhubekayo nezinzileyo, kunye nesakhelo esinciphisa umngcipheko kwaye siphucule amathuba abatyali-mali.
Okwangoku, imakethi yaselwandle ijongene nokungaqiniseki kwaye akukho zimpawu zokuhla. Nangona kunjalo, imboni yokuthumela imikhumbi idla ngokwenza kakuhle ngexesha lokuphazamiseka koqoqosho, kwaye nangona ukuguquguquka kwemarike okwangoku kulindeleke ukuba kuqhubeke, kuphela ngokuhlala ulungelelanisa neemeko apho abatyali-mali banokuthemba ukusebenzisa ukunyuka nokwehla kwemarike.
Inkonzo yethu ephambili:
·Inqanawa yoLwandle
·Inqanawa yomoya
·Ukuthunyelwa kwempahla kwiVenkile enye evela kwiVenkile yaphesheya
Wamkelekile ukubuza malunga namaxabiso nathi:
Contact: ivy@szwayota.com.cn
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Ixesha leposi: Epreli-25-2025
