Izinga lokubuyisela kabusha e-Belarus. I-National Bank yaseRephabhuliki yaseBelarus

Izinga lokuvuselela iRiphablikhi yaseBelarus alithakazelanga kuphela izakhamuzi zaleli zwe. Lesi sihloko sinesithakazelo kubo bonke abanesithakazelo ezinkambisweni ze-macroeconomic. Akuyona imfihlo kunoma ubani ukuthi izinga lokukhuphuka kwemali ezweni elithandana nalo alivumelekile. Wonke ama-Belarusiya kuze kube yilapho asanda kuba yizigidi. Isimo sifana nesaseRussia. Ngesinye isikhathi, ama-zero angu-6 nawo afakwe emalithweni. Ngakho-ke, yini enquma izinga lokuhlenga kabusha eBelarus? Sizozama ukuqonda.

Iyini isilinganiso sokunciphisa

Izinga lokuhlenga kabusha liwuphawu oluyinhloko lapho isimo sezomnotho ezweni sinqunywa khona. Kubonisa ukuthi ngaphansi kweyiphi iphesenti inikeza imali yaseBhange Elikhulu kumabhange ezentengiselwano. Ukuphakama kwesilinganiso, kubiza kakhulu izindleko zabantu kanye nebhizinisi. Phela, amabhange ezentengiselwano ngeke anikeze izakhamuzi imali ngokulahlekelwa. Kodwa izinga lokuvuselela ngeke libe liphansi kunamanani emali ezweni.

Isimo ngaphambi kwehlelo

Isimo sabaninimali kanye nezigidigidi kulelizwe lakhathazeka sonke isikhathi eside. Kwakungenzeka ukubona ku-intanethi ama-flash mobs ahlukahlukene, lapho abafundi bethengisa "soda" ukuze i-suitcase yemali. Izinga lokukhuphuka kwemali laliphakeme kakhulu kangangokuba izinga lokuvuselela eBelarus lafika kuma-26%. Kulesi simo, kwenzeka izinto ezimbili eziyinkimbinkimbi:

1. Ukukhula kwamanani e-inflation, okuyizikhathi lapho "zagijima" uphawu lwama-30% ngonyaka.
2. Ukuvinjelwa kweziphathimandla ukwandisa inani lokubiza lamanothi.

Kusho ukuthini lokhu?

Umnotho awusizo ngalutho ukuhleleka. Awukwazi "ukuvimbela" ukwehla kwamandla emali ngezindlela zokuphatha, kungakhathaliseki ukuthi izinhloso ezinhle zingavela kanjani. Kodwa ukuthini kwe-inflation kusho ngo-30%? AmaRussia ahlala eminyakeni engamashumi ayisishiyagalolunye ekhulwini elidlule, abakhohliwe ngakho. Inkinga ye-2016 iye yavuselela inkumbulo kancane. Ukwehla kwemali ka-30% kusho ukuthi ngemali efihlekile ngaphansi komcamelo, namuhla, ngonyaka, ungathengisa izimpahla ezingaphansi kwesithathu.

Isibonelo, ake sithathe ukudayiswa kwe-TV. Intengo yayo yi-ruble eziyi-10 000 eRussia. Ngama-inflation angama-30%, izindleko zale TV zizokwandiswa okungenani le mali. Ngonyaka intengo izoba yi-ruble ayizinkulungwane ezingu-13. Futhi isakhamuzi "ngaphansi komcamelo" sineminyaka engu-10 kuphela. Ngenxa yalokho, manje angathenga i-TV, futhi ngemva konyaka ngeke alahlekelwe ama-ruble ayizinkulungwane ezintathu. Esimweni esifanayo.

Eqinisweni, intengo ishintshwe yizimo eziningi: izici zokukhiqiza, ukulinganisela kokunikezwa kanye nokufunwa, njll Kodwa ukwehla kwamandla emali kungenye yezizathu eziyinhloko zamanani entengo. Izinga lokuhlenga kabusha eBelarus ngokuqondile lixhomeke kulo (hhayi kuphela kulo).

Ukuvinjelwa kokwandisa inani lokubaluleka kwamanothi kudala isimo lapho abantu bephoqeleka ukuba bahambe nezikhwama esikhundleni sezingxowa esitolo. Cabanga, intengo yesiqandisini izigidi eziningana, kanti ibhilikhithi ephezulu yi-ruble ayi-100.

Yiqiniso, ayikho inzuzo engcono yokushintshela kwi-e-commerce, kodwa abantu abaneminyaka ephakathi nendawo asebekhulile bayayethembi. Isimo kwakudingeka sishintshwe.

"Isakhiwo esinqabile" se-Belarusian

NgoJulayi 1, 2016, kwakukhona umcimbi owabikezelwa iminyaka eminingana. Kwakukhona ihlelo. Ngamazwi alula, ama-zero "aphumile".

Kodwa le nhlangano yayibizwa ngokuthi "engajwayelekile". I-ruble yaseBelarusian yalahlekelwa ama-4 ama-once ngesikhathi esisodwa. Esikhundleni sesigidi, kwakukhona ama-ruble ayikhulu, kunama kopecks ayizinkulungwane ezingu-1.

Izimbangela

Kunezizathu ezimbili zehlelo elinjalo:

1. Ukuguqulwa kwesibindi. Lelihlelo lalifanele lenziwe ngaphambili.
2. Ukubikezela ukukhula kwamandla emali. Lokhu kusho ukuthi izinga lokuhlanza kabusha eBelarus lizobe liphakeme nakakhulu esikhathini esizayo.

Isimo sezomnotho ngemuva kwehlelo

Yiba njalo ngangokunokwenzeka, kepha emva kwe "truncation of zeros" isimo sishintshile kancane. Isilinganiso sokuvuselela ibhange likazwelonke laseRephabhulikhi yaseBelarus seliye lafinyelela ku-20%. Lokhu kwenzeka ngenxa yokwehla kwamanani emali.

Izinto ezithinta ubukhulu bezinga lokuhlenga kabusha eBelarus

1. Ukunciphisa amandla.
2. Inqubomgomo yezomnotho yezwe.
3. Intengo yemikhiqizo yamafutha namafutha.
4. Isimo se-Macroeconomic eRussia.

Yenzani iRussia?

Uma isimo se-inflation nesimo se-macroeconomic eRussia Federation sithonywe kakhulu ngamanani ama-hydrocarbons (izenzakalo zeminyaka yamuva ziqinisekisile lokhu), eBelarus zithatha isimo saseRussia.

Asichaze ngesibonelo sekhonkrithi. Cishe wonke umnotho we-republic wezwe usekelwe ebuhlotsheni bezohwebo neRussia. Futhi-ke isimo esimangalisayo. I-Belarus ithengisa ama-hydrocarboni eRussia ngamakhulu ezinkulungwane zezigidi zamaRandi. Ezinye izakhamizi zaseRussia cishe ziyakhathazeka, zithi, kanjani? Awukwazi ukufana nalokhu!

Kodwa ukuhlanza amafutha ngophethiloli kungabizi kakhulu e-republic. Lokhu kungenxa yezici ezilandelayo:

1. Inqubomgomo yomabili isho emkhakheni wenqubomgomo yezimali.
2. Izinkokhelo zamasiko.
3. Izinga lomholo.

Yilokho, isimo sinjalo sokuthi eshibhile ukuthatha amafutha avela eRussia kuya eBelrusrus ukuze kusetshenziswe uphethiloli kunaseRussia.

Uma isimo se-macroeconomic eRussian Federation sibuhlungu, khona-ke sithinta iBelarus.

Iziphathimandla ze-republika yamazwe asetshele kakade ukuthi ukuhlaziywa kweRussia ngeke kuthinte iBelarus nganoma iyiphi indlela. Kodwa ochwepheshe bathi inhlangano yanamuhla ibona ubufakazi bokuthi isimo sinokukhubazeka.

Ngokwengqondo, ukunyuka kwentengo akubonakali kangako. Qhathanisa ukukhula ngama-ruble angu-1000 noma ama-kopecks angu-10. Okufanayo kwakuseRussia ngasekupheleni kweminyaka engu-90. Ekuqaleni kuka-2000.

Kusukela ngoJulayi 1, imisebenzi yokuthekelisa emikhiqizo yamafutha namafutha, ngamafutha angcolile, e-petroleum eqondile, ekuthengisweni kwe-petroolines. I-Belarus ithola kuphi? Kulungile, ukubuyiselwa kabusha nokusetshenziselwa izinto zokusetshenziswa ezivela eRussia. Ngendlela, izwe lobuzalwane lavunyelwa ngokusemthethweni ukuthengisela amafutha angcolile eRussia kwamanye amazwe.

Umnotho waseBelarus uqhubeka kulokhu kunokuba i-BelAZ, i-MTZ namazambane. Ukuze senze kahle, sisho ukuthi iningi lale mikhiqizo ibuye ithengiswe eRussia. Ngakho-ke, ukuwohloka kwesimo sezomnotho eRussia Federation asikwazi ukuphazamisa iBelarus.

Kusukela ezinkulumweni zakamuva zikaMengameli Lukashenko, kusobala ukuthi imikhiqizo yezolimo "yomakhelwane omuhle" eRussia cishe kungenzeka ibonakale. Kunezithiyo ezihlukahlukene zokuphatha. Ukuhlaziywa kweRuble yaseRussia kushaya umnotho waseBelarusian izikhathi ezimbili. Intengo yemikhiqizo yezolimo eRussia yawela ngesigamu (ngokwemibandela yangempela, kodwa hhayi ngokwemibandela), okwenza izimpahla zaseBelarusian zingamukeleki njengasekuqaleni. Abakhiqizi baseBelarus kumele banciphise izindleko, okunciphisa isabelomali sezwe.

Ukulahlekelwa yimali engenayo kuyiphutha. Ukugcwaliseka kwezibopho zomphakathi "kubamba" ukuphrinta imali. Futhi lokhu kuyasheshisa ukukhuphuka kwamanani emali, okuyinto futhi, kuxhomeke ekunciphiseni kwemali ye-Belarus. Umthetho ocacile we- domino.

Inkinga eBelarus

Ukuwohloka kwesimo sezomnotho kuboniswa ngamanye amaqiniso alandelayo emva kukaJuni 1, 2016:

1. Ezinye izinhlobo zikagwayi zikhuphukile ngentengo.
2. Ukuthumela imisebenzi emikhiqizo yamafutha kuye kwanda, njengoba sishiwo ngenhla.
3. Inkolo yemali kazwelonke.

Izinyathelo ezinjalo, njengoba zisho, aziveli ekuphileni okuhle. I-Belarus ingenye yamazwe ambalwa azama ukuqinisa inqubomgomo yezimali futhi hhayi ukwandisa intela nemali.

Umlando wamahlelo

E-Belarus, inhlangano kusukela ngoJulayi 1, 2016 akuyona eyona yokuqala yomlando wamuva wokuzibusa:

1. Iyokuqala yayixhunyaniswe nokuguquka kusuka eRubles Soviet kuya kuzwelonke lwemali yaseBelarus. Izwe alizange lize negama layo, lashiya igama langaphambili - i-ruble. KwaseSoviet eyi-10 ubudala ngo-1992, kwanikezwa i-Belarusian entsha. Ngo-1994, ngenxa ye-inflation, enye i-zero yasuswa.
2. Owesibili wabanjwa ngo-2000. Imali manje "iswele isisindo" ngezinhlamvu ezintathu.
3. Okwesithathu kwenzeka ngoJulayi 2016. Manje i-ruble yaseBelarusian yalahlekelwa amazombe amane ngesikhathi esisodwa.

Izinyathelo ezinjalo zikhombisa ukuthi iziphathimandla azikwazi ukunqoba ukwehla kwamanani ezweni. Futhi lokhu kuthinta ngokuqondile isilinganiso sokuhlanza kabusha, esikukhumbulayo, manje sesingu-20%.