Iwo magadzirirwo ebhengi rekubhengi.ru anopfupisa gore rinobuda. Zvino tichataura nezvechinonyanya kukosha shanduko yemari yakaitika mumwedzi gumi nemaviri uye yakaratidza nezvehupfumi hwenyika uye wallet dzevarwi.
Coronacrisis: kutanga
Yatova muna Ndira, yanga ichiziva nezve virus itsva isingazivikanwe, China chinonakidza. Nekudaro, paaive kure, majee chete paInternet akakonzerwa. Havasi vese vagari vakanzwisisa zvakakomba zvemamiriro ezvinhu, uye vamwe havazvinzwisise kusvika zvino. Nekudaro, ivo vaivewo avo vakashinga zvigadzirwa kubva kumarasha, kusanganisira munyu naPasta.
Chirwere chitsva, chakaparadzaniswa nenyika, isa nyika hupfumi uye kugadzirwa "pamhepo". Yokutanga yakaitwa nemisika ye hydrocarbon uye mari yekukwira nyika iyo mbizi ndeyekuti. Mafuta akawira mumutengo pazasi madhora makumi maviri emadhora, uye mune rimwe remangwana remangwana neyekutakura kwemutengo: Vanotyamadza, vanongoti kuchiita kuti zviite - zvese zvekuchengetera. Naizvozvo, ivo vakapiwa "saka", zvakare zvinobviswa kubva kumusoro kunotora.
Aya mamiriro ezvinhu akanganisa makambani akati wandei ekuAmerica, uye opec + zvakare aifanira kugara patafura yekutaurirana uye anokwevera dzimwe nyika kune hurukuro. Iye zvino mafuta anodzosera nzvimbo yayo, uye optimists pakati pehunyanzvi kuporofita muna 2021 68 madhora eUS pane mbiya yemhando yepamusoro yeiyo Sibtian Brent. Ko fungidziro ichazoitika here? Inoratidza nguva. Zvakawanda zvino zvinoenderana nekuti mutariri weAmerican Sanction achabvisa kubva kune mumwe wevanoita mafuta. Kana hongu, misika inogona kuvhiringidzwa nenzira yakachipa isina kuchena. Mamiriro acho ezvinhu, kunyange zvichave zvenguva pfupi, achaita mupiro wayo wakashata kumisika.
Kupararira Rule
Kune dhora regore razvino rakawa ne20%. Kune euro - ne30%. Avo vakakwanisa kutenga "veEurope" uye "maAmerican" pakutanga kwegore vakatasva bhiza. Avo vakamboshandura rubles avo kuti vabudise mari yegoridhe yakazova pagoridhe kon. Iyo yakanyanya kuzivikanwa yeRussia mari yekudyara yeGeorgy Victoroc yakabvisa mumutengo weinenge kaviri. Uye zvakadaro hazvisi kudonha.
Asi iyo yakanyanya kubereka yakaratidzirwa crypartrency. Iyo yakaremerwa avhareji chiyero cheBitcoin yemanheru musi waDecember 30, 2020, maererano neBanking Bankiros.ru, anenge zviuru makumi maviri nezvishanu zvemadhora. Kechipiri, investment mukudyara kwakazoitika kuve isingagumi masheti maakaunzi muPalladium.
Sezvineiwo, gore rino, sechikamu chekutsigirwa kwehupfumi hwayo, iyo Federal Federal Reserve yakaburitswa madhora akati wandei emadhora. Mari yakagoverwa kune veruzhinji kuitira kuti vanhu vagone kurarama nekukanganiswa nekuparadzwa kwemakambani mune yebasa rebasa. Panguva imwecheteyo, dhora rakabvunza, asi harina kudonha.
Mukati mechimiro chekusavimbika kwenyika, maInternet akasungirirwa madhora mazhinji, achienda kuitira zvinhu zvekudzivirira uye nekukurumidza zvine njodzi yemari dzenyika dzichiri kusimukira. Semhedzisiro - dhora iri richiri migwagwa, rubu haina kusimba.
Investment uye chiitiko chemutero wemari yemunhu
Muchirimo chegore rino, apo denda rikauya kuRussia, Mutungamiri Vladimir Putin Advert Onal Khari kanoverengeka kurudzi. Pakutanga, musoro wenyika zvakatumirwa kuRussia kugara pamusha svondo, uyezve zvese zvakasikwa zvose zvakawedzera mwedzi.Kuzadza bhajeti kurasikirwa nekudonha mitengo yemafuta, kudiwa kwekutsigira bhizinesi, kuzvishandira, kusashanda uye kusashanda uye mhuri nevana, putin vakazivisa kukohwa kwematero akati wandei panguva imwechete.
Iyo yekutanga yave yekutanga uye inonakidza vanhu Bvisa chigadzirwa chemamiriyoni emamiriyoni uye kiyi yekubheja paJanuary 1 yeiyo iripo yegore). Panguva imwecheteyo, mutero hauzoendeswa kubva kune wakaunganidzwa, asi wakakundwa nemabhangi.
Nhau idzi dzakakonzera kusagadzikana pakati pehuwandu, izvo zvakazoitika, tichaudza gare gare.
Iyo yechipiri yekutanga yakazova yakawedzera kuti iwedzere yegumi neshanu yevanowana avo vanowana anopfuura mamirioni mashanu par. Mari inowanikwa mukuwedzera kwehuwandu uhu ichave inofarirwa nemutero wemari wakawedzera.
Rimwe danho rekutanga, risingabvumirwe kune vagari vemowo, asi vakakosha kune hupfumi hwenyika - kuomarara kwekubviswa kwemari kupinda. Mutungamiri wenyika akasimudza mutero wevagari nevasiri vagari, izvo zvinounza mari kuburikidza neCyprus nedzimwe nyika dzinozivikanwa nemitero midiki.
Helikopta mari
Mushure mekunge dzimba dzese dziri kudharwa, mari muhomwe dzevarwi dzakatanga kukurumidza. Ndiani asina kudzinga (kune avo vakaburitswa basa, basa rekusashanda rakashandisirwa muhuwandu hwenzvimbo yemari madiki), vakatumirwa kuzororo kana kune mubairo uri kure. Izvi zvakakonzera kunyange zvakakura zvakanyanya pane kusuma kwemabhendi emakodhi uye faindi dzekutyora hutongi hwakakosha hwakagadzikwa mumatunhu mazhinji.
Pangangoita dzimwe nyika dzakatanga kutsigira vagari vemo nemari, maRussia vakatanga kugadzira zvikumbiro nezvinodiwa kuti vagovera mari kuhuwandu. Vanoongorora uye Nyanzvi dzevanhu Vanotsigirwa: Chete usimbe hadzina kukurudzira "kukwira mu cube" - kuvhura homwe yerudzi rwenyika uye kugovana neuchenjeri hweRussia neRussia
Panguva imwecheteyo, kugogodza kubva kutsoropodzwa, hurumende uye iyo central bank yakashora kugovera kwe "Elicopter mari" - iyo isina kudzora mari kumunhu wese uye yakangofanana.
Uye ipapo Vladimir Putin akafunga kubhadharisa mhuri dzese nevana kubva pamakore matatu kusvika gumi nematanhatu evana zviuru gumi. Mwedzi wakatevera, tranche akadzokororwa, panguva ino vabereki vevana vanobva ku0 kusvika kugumi nematanhatu vaive pakati pevane rombo rakanaka. Mari yacho yakabhadharwa maererano neshoko kuburikidza ne portal yeShumo yeHurumende. Mari yemhuri haina kufunga nezvayo.
Havasi vese maRussia vakaita kune aya anobhadhara zvakanaka. Vazhinji vakatsauka kucheka kwezera. Kunyanya, vazhinji vakataura zvisina kunaka munzira yezera rezera, vachikumbira mumagariro emunharaunda: "Uye mushure mekunge vana gumi nematanhatu vasingabvunze vana?".
MunaAugust, vanhu vanonetsekana: Ko tranche yechitatu ichabhadhara here? Zvekukumbira zvakawanda kukero yemutungamiri wenyika inoda kubhadhara zviuru gumi zvakare kuunganidza vana kuchikoro, kusiiwa isina kupindurwa.
Hurumende yakawedzera kuti vanhu vararame mari vakabhadharwa. Vachaenda kunoshanda mari iyi, vachipedza michina uye varaidzo, izvo zvinogona kumhanyisa hupfumi uye nekukurumidza kubva kune dambudziko. Urongwa hadzishande. Sekuratidzira kwakaratidzwa, iyi mari vanhu vakamanikidzwa "kwezuva dema" kana kushandiswa munzvimbo idzodzo dzisina kubata chigadzirwa chiyero mune chero nzira.
Nenzira, pamberi peGore Nyowani, vabereki nevachengeti vevana kusvika pamakore manomwe, zvisinei nemari yakagamuchira imwe tranche - zviuru zvishanu zvikwangwani, izvo zvakakonzerawo kusagutsikana nevaya vasina kubhadharwa.
Isu tinotora deposits: Wakatakura kupi mari
Gore rakava dambudziko revaya vanogara mumuenzaniso wekuchengetedza - vanosarudza kuponesa nekupindira pakutenga, asi usatora zvikwereti. Bank deposits yakatanga kudzikira. Kana muna Ndira 1, 2020, iyo kiyi yebhangi reRussia yaive 6.25% pagore, ipapo muna 2021 nhamba inopinda, kurasikirwa-siyana muzana - 4.25%.
Iye zvino mupiro uripo pamwero uri pamusoro pe4% pagore regore - chimwe chinhu kubva kunharaunda yenzwi. Muchokwadi, iwe uchafanirwa kuzadzisa mamiriro akati wandei, kuti uise huwandu hwakakosha nekuda, usazoregedza uye usabvisa zvishandiso kwenguva yakati kana postpone chikamu chemari paIIS kana Inishuwarenzi Inishuwarenzi.
Mune ino kesi, inflation pakupera kwe2020 inofanira kunge yakakwirira kupfuura iyo yakarongwa 4% pagore. Saka, vanobata mipiro yekuvhurwa kwegore rino vakawana chero chinhu.
Vanhu vakanzwisisa izvi ipapo, uye vakatanga kuita mari mumazuva ekutanga okutanga - pari nekukurumidza putin yakazivisa mutero pane deposits. Vamwe vakatsvaga kutsigira vakaunganidzwa muPilo yekushandisa pano uye ikozvino, vamwe vaitsvaga dzimwe nzira.
Mari zhinji dzakabhururuka kuEskrow's account. Kuverenga mundangariro, yakawanda sei imba iri padanho regomba, uye kuti ingatengeswa sei kare mumusha wakapera, vagari vazhinji vakanyatsoiswa muzvivakwa. Kuwedzera Kudiwa Kweimba Dzimba uye chirongwa cheHurumende cheChirongwa Chekusarudza Mota yakadzika misika: Pakupera kwegore, mitengo yezvezvivakwa yakasvetuka zvakanyanya.
Vamwe vanopinda vanogadzira vaigara pamasaini, kurasikirwa nebasa. Chetatu chakaenda kune vanoisa mari. Huwandu hwekuvhura IIS gore rino rakatyora zvese zvinyorwa. Mukuedza kune imwe goho, vagari vanoshingairira kutenga zvigadzirwa zvekudyara mumabhangi mamwe chete. Dambudziko rakabva kwavasina kumirira. Pakupera kwegore, kucherechedza kuti vangani vanhu vanopiswa pamakaundi asingazivikanwe, uyezve kunyunyuta pamusoro pebhangi reRussia, iyo Regator yakakumbira kutengeswa kwezvigadzirwa zvekudyara nevanoshandisa mari, izvo hazvina kunyatsoisa Nzvimbo dzekudyara dzemabhangi nekambani. Bhizinesi richabuda sei kubva mumamiriro ezvinhu aya - richazivikanwa chete mukuuya 2021.
Kupfuudza
Nekuti hupfumi hwese hwenyika, gore raive rakaipa. Zvakashata kwazvo. Dambudziko remari risingapotsa rakavigwa misika yeHydrocarbon, indasitiri yekugadzira uye nhamba yedzimwe maindasitiri. Muhama dzaive neChidhi-Kambani uye Deunges Services. Kwekupedzisira 2020, zvakazova nzvimbo yegoridhe.
Zvevakanaka, nyika dzinoverengeka dzakatotanga kurwisa Coronavirus, iyo inopenya inoisa mari uye inopa kukurudzira kudzoreredza hupfumi hwenyika. Chinhu chakanaka mumisika chinogara chakadururwa kuita njodzi uye kufarira kuvaka hupfumi kunogara kuRussia. Vanobva kunjodzi dzepasi rose dzenyika dzakaramba dziri - New American masanction uye nharo dziri pedyo nemiganhu.
Nyanzvi dzakashinga dzinofungidzira kusimbiswa kweiyo ruble nepakati pe2021, iyo ichazotevera nekukurumidza kuti kuwedzera kwemitengo yemafuta. Kunyangwe fungidziro ichazoitika - hapana anogona kutaura aine chivimbo. Sezvinoratidzwa 2020 - zvese zvinogona kuchinja pane imwe pfungwa.