Ukuwa kweSilicon Valley Bank akumangazi



Ukuwa kwe-Silicon Valley Bank e-US akuzange kumangaze uma kubhekwa izinga lokuqiniswa kwezimali kulandela izithende zenkathi yokuvuselela okukhethekile futhi mancane amathuba okuba kube okokugcina.

I-Silicon Valley Bank yayiyibhange lezentengiselwano eliqashwe uhulumeni elinendlunkulu yalo eSanta Clara, eCalifornia. Yawa mhla ziyi-10 kuNdasa, ngenxa yezizathu ezehlukene, okuhlanganisa ukushoda kwezinhlobo ezahlukene kanye nokuphathwa kwebhange kwakudala, lapho amakhasimende amaningi akhipha imali efakwa ebhange kanyekanye ngenxa yokwesaba ukuthi ibhange lizokhokha.

“Nakuba singakwazi ukubikezela izimo eziqondile zanoma iyiphi inkinga ethile, uhlobo lwezinkinga ezizungeze leli bhange azisimangalisi neze,” kusho u-Sebastian Mullins, umphathi wesikhwama kwa-Schroders.

Izinkinga zibonisa inhlanganisela yezinto ezihlanganisa ukuphathwa kabi (kulokhu isisekelo samakhasimende esigxilile kwezobuchwepheshe) kanye nokuvikela okulinganiselwe kwemali mboleko noma ubungozi bokuphepha okubangele ukulahlekelwa okukhulu okungafezeki njengoba isivuno sandile.

U-Mullins uthi lokhu kulahlekelwa kwabe sekutholakala njengoba impahla yadayiswa ukuze kuxhaswe ababefake imali abakhiphe izimali zabo. Lokhu kulahlekelwa kucime isizinda semali yebhange.

“Kuphinde kwaba nokwehluleka kwemithetho mayelana nokuphela okuncane komkhakha wamabhange aseMelika enempahla ephelele engaphansi kwezigidigidi ezingama-US250 ezingabanjelwe ekuhlolweni kokulawula okufanayo nokuhlolwa kwengcindezi njengamabhange amakhulu.”

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Imithelela yokuqiniswa kwenqubomgomo yezimali

Umthelela wokuqiniswa kwenqubomgomo yezimali kanye nokuhoxiswa kwezimali zezikweletu kwaba esinye isici.

“Ukuqiniswa kwenqubomgomo kuklanyelwe ukuhoxisa ukushoda kwezimali kanye nobungozi bentengo kabusha emnothweni kanye nezinhlobo zebhizinisi ezichumayo ngemali yamahhala noma endaweni enemali eningi zazihlale zingaphansi kwengcindezi.”

Uveza ukuthi i-Fed yashesha ukukhawulela ukusuleleka okuvela ebhange ngokuqinisekisa abafaka imali nokumemezela uhlelo lokuxhasa ngezimali isikhathi eside ukuze kuqinisekiswe ukuthi amabhange nezinye izikhungo ezihlobene nazo zingakwazi ukuhlangabezana nezibopho zazo kubafaki bezimali futhi zilawule izidingo zabo ze-liquidity.

“Bazimisele ngokuqinisekisa ukuthi ukuthelelana kwabantu emabhange kuyancishiswa futhi nethemba embonini yamabhange aseMelika liyabuyiselwa. Ukugwema impinda ye-GFC kubalulekile futhi lezi zinyathelo zinhle futhi sithemba ukuthi zizosebenza ngokuhamba kwesikhathi. Uma kungenjalo, kuningi okungase kwenziwe.”

U-Andrew Williams, umqondisi wezokutshalwa kwezimali kwa-value equities kwa-Schroders, uthi ukuwa kwebhange kuthinta noma ngubani otshale imali emabhange amancane ase-US anokuchema kuma-depositors ezinkampani ezingaqinisekisiwe.

“Imininingwane eqondile yokuthi kungani ibhange lehluleka futhi kanjani ibalulekile. Leli bhange belinamakhasimende amaningi futhi belitshekele kakhulu ezinkampanini zobuchwepheshe. Impela yahlelelwa ukwenza lokhu ngqo emuva ngo-1983. ”

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Izinkinga eziningi ziqondene ngqo nebhange

UWilliams uthi ngamafuphi kubonakala sengathi eziningi zezingqinamba ziqonde ngqo ebhange njengombolekisi omncane kakhulu, ogxile kwezobuchwepheshe wase-US.

“Kodwa-ke, ngokujwayelekile, le micimbi iyisikhumbuzo sokuthi amabhange angamabhizinisi ancike kakhulu ekuthembekeni kwabafake imali nabatshalizimali. Kukhona ama-buffers amakhulu kakhulu kunesikhathi esidlule futhi umthethonqubo we-liquidity e-Europe yakhelwe ukunciphisa ubungozi bokuphuma kwediphozithi kanye / noma okunye ukushoda kwezimali.”

Uveza ukuthi ukulahlekelwa ngokushesha kokuthenjwa komgcinimafa kusengaba ukushaqeka okubulalayo kunoma yiliphi ibhange.

“Kungenzeka, singabona abatshalizimali bejezisa amabhange anamakhasimende ahlukene ngemuva kokuwa, ikakhulukazi lapho abafaka imali bengaqinisekisiwe, njengokungadayisi.”