Chii chichaitika kune zvikwereti pakuparwa default? Zvakaipira default

The mubvunzo kuti chii chichaitika kune zvikwereti pakuparwa default, kufarira munhu zvakakwana guru nhamba yevanhu, uye chinoita kuti - ane upfumi nyika kugadzikana. Pfungwa yokuti "default" rine chokuita mugore 1998, nezvoupfumi kwete chete, asiwo vanhuwo. In netsamba dzake zvabuda kuwira pamusoro Ruble uye chinhu echiShinto muzvitoro, refu pamwe nekurutsa zvokudya. Panyika mudariro mumakore 20 apfuura, kutanga vasangana kuwedzera Russia kunyange nyika nhatu: Mexico, Argentina neUruguay.

Chii "default" kuburikidza maziso nezvoupfumi?

Mune truest chezwi default anoonekwa kuti kurambwa rakakwana chero chinhu kubhadhara ayo mitoro. Nemamwe mashoko, pane hurumende yakati sandara, nyika kwaitanga anozivisa kuti risina mari kubhadhara zvikwereti. Pane waishandiswa nadzurudzo pamusoro chinonakidza. Chokwadi chinhu hachisi kukwanisa kubhadhara mari, asi pamutemo mashoko nezvazvo, haadaro. Pane chepamusoro uye kunyange pachavo nemanyorerwo zvinhu. Migumisiro default anoonekwa kuva asina chinoshamisa. Zvisinei, sezvo pamwe ose yesimbi, mumamiriro ezvinhu mune zvakanaka rwemberi. Kune rimwe divi, unogona kuona kuparara uye rakakwana kuparadzwa zvose kwokunze ukama mari mhando, uye kuno rumwe - a rwuve atange renhoroondo mamiriro kukura yakachena pabhodhi, pasina kukanganisa uye blunders.

Chii chinoitika apo hurumende anoramba kubhadhara zvikwereti?

Kuramba wehurumende kuti abhadhare chikwereti zvakunoita kwete chete mukurumbira wake, asiwo zvinoisa inokanganisa mari Rating. The chaizvo hwenyika ano ndiwo muitiro nokukwereta anenge ose nyika kuti kuwedzera yamunowana kana pindana "maburi" iri bhajeti. The rusununguko international anomukweretesa pamusika chinopa kungoramba mari imwe nyika ine mukurumbira wakaipa. Zvikwereti izvi ezvinhu zvinogoneka chete ari urongwa kuchengeteka kwakakodzera. Nyika kusauka akapotsa kurasikirwa zvachose inishuwarenzi mari.

Kuwa National mari

Vazhinji migumisiro default nokuda unopinza depreciation National mari. Kukosha mari kunoenderana chivimbo pamwero ehurumende. Rutapudzo pakati mitengo National mari kunotungamirira zvairambidzwa nyika mikana mukati pamusika yose. Hurumende anova "murombo" pamusoro dzimwe nyika. Kunyanya, kuderera ukoshi currency katatu zvichiguma zvinoderedza bhuku zvatengwa kubudikidza zvakaenzana. An underdeveloped kugadzira kwemauto kungaita kuti kuperevedza kwezvokudya munyika. In zvakafanana, pane ichidonhedzera mari yevanhu uye zvinoderedza mitemo achirarama. Chekambani basa pana iro panoita remarudzi chinoumba (Hardware, mari) kunova hazvikubatsiriyi. Kuderedza uwandu nemabasa kunotungamirira wemauto Kushatiswa ezvinhu munyika.

The rwezvemabhengi maitiro uye maitiro

Uchifunga mubvunzo zvinoreva default, zvinokosha kuziva zvakaipa mananara ari rwezvemabhengi zvekutepfenyura. State zvemari gadziriro kwezvinoshandiswa. Kushandisa Tera vatorwa kunyangarika, chikwereti inokura. Bankruptcy mari masangano mazhinji anova harinzvengeki. Mumwe munhu anoda kubetserwa pakati kubhangi anorasikirwa mari, sezvo nhoroondo zvose muchando. Nokuti kuti kukura kwoupfumi hazvibviri pasina makambani pakupa zvikwereti, ezvokutengeserana munyika rinomira. Kuti atore mubhengi chikwereti kwakaoma zvisingaiti, sezvo yokupedzisira ari chaizvo kurambidzwa panogumira mari. Pamusana kusavimbana iri mari ichaita munyika kunodzikira padanho vimba enyika. The Kugadzirisa inokosha zvoupfumi nyaya panguva dzakawanda vanochiva zvikuru kuoma.

Ko munhu default?

Kana dambudziko rikaitika, kuti default ari mukuru - ichi chinoratidza kuti nyika akawana guru mari nechikwereti zvino haagoni kunyange kubhadhara mubereko pachiri. On chisarudzo chikuru ehurumende mabasa haisi mari yakakwana, saka unorema pamusoro bhajeti anoenda chikwereti SERVICING. Kana nyika anobviswa nechitarisiko rutsigiro kuti inonyanya pamusoro chichapedza yomunyika matambudziko kare unfunded zvekutepfenyura mugamuchire nemari. Zvinofungwa nyanzvi dzinobvumirana kuti, nokuda mumwe default padanho makwikwi hwenyika uye mudzimba kugadzirwa kwakawedzera yekudyidzana. Sezvo mubayiro uye kutenga zvinhu zviri kuitwa depreciated mari, pane rutapudzo mutengo zvinhu uye mabasa kune kwokunze vatengi vari. Akawira mitengo zvinhu uye mabasa inotungamirira paumbwe kudiwa, nokuwedzera mari kuti Activate zviri kare kugona "wakaderera".

kumukira yakakwana

Zvinoitika kuti panguva default kunogona kuwanikwa kwete chete bhanga chikwereti pane kudzikisirwa chimbadzo, sezvo mabhanga vanoedza kukwezva vatengi nevanhu nzira dzose, kuti Chiitiko kunotungamirira kumukira zvakakwana upfumi munyika. Voga kubva kunze mari uye imupota anotungamirira munyika itsva, yakachengeteka nemararamiro. Iva zvapararira epamba zvinodyiwa uye zvinopa mari. Kuwa upfumi achisunda mumusika akawedzeredzwa zvoupfumi zvekutepfenyura. Fani apo boka migove ndiwo murayiro unokosha kupfuura vavo chaivo mutengo, chose chapedzwa. The ukoshi yechokwadi vakatodzidza chaizvoizvo. Kubviswa imbalances zvose zvemari.

chikwereti rutapudzo

Vanhu vazhinji vanoshamisika chii chichaitika kune zvikwereti pakuparwa default. Hapana chakaipa zvichaitika. Kana tikafunga zvinhu panguva senyika, nyika anowana rakasiyana mukana uye chikonzero chakanaka kutanga kwakadzama pamusoro kugadzirisa uye chikwereti rutapudzo. Lenders, muchinzwisisa uye vanoongorora mufananidzo chii chiri kuitika, kazhinji zvauri kupomerwa nomumwe mukana wokudzokera mari havana kungorega havapo. Tingati ari default - ichi chikuru mukana kuti nyika kuchinja ayo kwoupfumi muenzaniso kuti zviri yazvino yenyika.

Chii chichaitika kune zvikwereti pakuparwa default uye kuti haagoni kunyange kuverenga?

Vanhu vakawanda vanongoita havanzwisisi kuti default - harisi mukana kwete kubhadhara chikwereti kubhengi. State yaratidza pachena kutadza kubhadhara zvikwereti, harisi pasi kuti kurambirwa pamuripo chikwereti mari masangano. Anokwereta, pasinei ezvinhu munyika, tinosungirwa kuramba kuita mitoro yavo kubhangi. Uyezve, chero nokukuvadzwa chibvumirano kana shoma kunonoka acharangwa ne chakazara zvakaoma. Kuti nzira, iyo yakapiwa pamusoro avaida kuti anokwereta, uye murevereri nekuda kubhengi kuti inishuwarenzi zvemari piro munguva dzenhamo. Kana nguva mudanga kusimudzira upfumi Akaperekedzwa ari kunonoka kungoti foni uye yakapiwa default kubhengi mukanyatsoteerera zvinoda munhu nemhosva ezvidzidzo ayo wazvipira kusvika kurega kutsigirwa.

Zvokuita kuti anokwereta?

The chikamu vanhu vari vanoshandisa zvikwereti iri zvakakwana guru. Common tsika, mhuri kana kutakura yakawanda mutoro zvemari kana mari pamwero iri shoma zvikuru pane aripo chikwereti. With kugadzikana zvoupfumi munyika yacho chikwereti mutoro saka akaramba, asi aiparadza nokuwa currency, zvinova rinorema kwazvo mutoro. In ezvinhu chikuru chinhu - kwete kunonoka kubhadhara, uye kwete kumirira kugungwa ekunze. Zvinofanira pakarepo kutaura tsika zvemari kukumbira pamusoro-anomukweretesa kana kugadzirisa. Zvakaitika zvinoratidza kuti mari masangano zvauri kupomerwa, sezvo ari mamiriro ezvinhu pamwe nechitarisiko Lenders kwavo kusanduka Kudyidzana ndiyo chete mukana wokupona. Akafanirwa kudzokera ngava yesangano havaiti mitoro kuti depositors kwete kusada zvemari kumusika, kuchengetedza rezinesi uye vasingatongi liquidation.

Ndezvipi uye chii vasiri kodzero nemabhengi?

Uchifunga mubvunzo chii chichaitika kune zvikwereti pakuparwa default, hazvina zvakakodzera kutarisira kuti mabhanga vachakukangamwiraiwo zvavo ngava zvose. Asi, zviyero zvainanga kudzoka zvikwereti, zvichaita chete kuva makasimba. Anokwereta vanofanira kuziva kuti hapana sangano zvemari haana kodzero kutyora chibvumirano kondirakiti. Zvikwereti vari default, akadai chikwereti kana repair zvikwereti hazvigoni kuchinjwa,. The Bank haana simba rokuchinja zvinhu zviri pakudyidzana uye kuwedzera mubereko kubhadhara. An Kunze angava mamiriro ezvinhu umo mashoko zvinhu anopiwa magwaro pamusoro pakudyidzana. Kana anokwereta pachinhu zvisiri pamutemo matanho akatorwa kana kubva inodiwa muripo panguva yepamusoro chimbadzo, anogona kushandisa kuti chichemo kune mutengi basa. Data pfungwa pana default inotongwa nehurumende zvikuru nesimba.

Ndezvipi vanhuwo zvikwereti kupiwa default, uye zviri zvikuru matambudziko?

Wakabata pamwechete mubvunzo chii kuparadza nyika defaulted, uye vanhu vanofanira kugara musango, maererano Kuwanikwa zvikwereti. Kushaya mari munyika uye voruzhinji mari zvikoro regai kuita zvisingabviri kuti zvikwereti. Chimwe chinhu - zvishoma kubatsira ezvinhu izvo kungorega kugamuchira. In kusauka nguva anenge nhanho dzose munyika mutengi mbiri inogona kukanganwika. A chikamu chiduku kuti kushandiswa mari panguva dambudziko haana kuponesa mabhanga, ivo havana adzikatidza chikamu defaults. Uchifunga mubvunzo sei munhu default achaita mumatauriro Tera, tinogona kutaura pamusoro popularization nzvimbo dzakadai nokukurumidza anomukweretesa. Zvinonzi dzinoratidzwa zvakakwana guru dziva mari, sezvo avhareji chimbadzo pamahombekombe chigadzirwa anenge 50%. High mubereko rate vari ndanyarara hangu noruoko nyore redunhu pamasikiro chikwereti uye risingamboshandisi pasuru magwaro. Financial masangano kuti kupa ichi mhando chikwereti kuti kukwanisa kurarama nyore anenge 20% vasiri nokuripira mari. In nguva dzokutambudzika, nani vanoedza kudzivisa processing chikwereti chacho, saka kubhangi ungangova kupa mamiriro ezvinhu akanaka nokuda pakudyidzana. Mushure dambudziko achapfuura, vachava kubhadhara chikwereti kwaainge ezvinhu, iyo uchanzi kodzera ndiyo matambudziko chaizvo.