Riaan Uma ufunda izindaba kamuva nje, kungenzeka ukuthi uhlangabezane namagama athi “Silicon Valley Bank” kanye “nokuwa” izikhathi ezimbalwa.
Kodwa kulabo abangazange, nakhu okwenzekile.
Kafushane, amakhasimende akhathazeke kakhulu ngesimo sezimali se-Silicon Valley Bank’s (SVB) njengoba ibhange belithenga izimpahla eziningi ezingasenanani ibhange elalizikhokhele.
Lokhu kufinyelele eqophelweni eliphezulu ngoMashi 10 ngesikhathi ibhange lihlangabezana nenqwaba yezicelo zokuhoxiswa kwediphozithi (ebiza amaRandi ayizigidi eziyizinkulungwane ezingama-42). I-SVB ayikwazanga ukukhuphula imali edingekayo kulokhu, okuholele ekuhlulekeni kwayo okwalandela.
Lena incazelo yencwadi yokufunda yokusebenza kwebhange.
Isikhathi sesichazamazwi: Ukugijima kwebhange yilapho isibalo esikhulu samakhasimende ebhange noma esinye isikhungo sezezimali sikhipha amadiphozithi awo ngesikhathi esifanayo ngenxa yokwesaba mayelana nokukhokhelwa kwebhange.
Lokhu kuholele ekutheni i-Federal Deposit Insurance Corporation (FDIC)—elingana ne-Perbadanan Insurans Deposit Malaysia (PIDM) e-Malaysia—ukuba ilawule ibhange.
Ukuze siqonde ngokwengeziwe ubucayi besimo nokuthi abantu baseMalaysia kufanele bakhathazeke yini, sikhulume nochwepheshe ababili—u-Justin Lim, umgomo wokutshala izimali e-Nexea, no-Nicholas Chong, umongameli we-Impact Consulting Kuala Lumpur.
Yayiyini ngempela inkinga?
Ku-Justin, kunezinkinga ezintathu nge-SVB—ukugxilisa ikhasimende, ukuphathwa kwezingcuphe, nokuphathwa kwesikweletu sempahla.
Umagazini wokuqala uhlobene neqiniso lokuthi i-SVB yayinenqwaba yabagcini bemali besigaba esifanayo—okungukuthi, iziqalo zeSilicon Valley.
Ngokuphathelene nokulawulwa kwayo kobungozi, u-Justin waveza ukuthi i-SVB inezikhundla zesilinganiso senzalo ezinkulu ezingabanjwanga. Okokugcina, ukholelwa ukuthi uhlangothi lwempahla ye-SVB eshidini lebhalansi lwalungaklanyelwe ukuhlangabezana nezidingo ze-liquidity zokuhoxiswa kwediphozithi.
Nakuba kungase kube abaningi e-Malaysia abangalazi ibhange futhi ngaleyo ndlela bacabanga ukuthi akuyona into enkulu, i-SVB empeleni iphakathi kwamabhange amakhulu angu-20 e-United States.
Ngaphezu kwalokho, iziqalo eziningi zobuchwepheshe eSilicon Valley zithembele ku-SVB njengebhange labo eliyinhloko. Ngenxa yokuwa, lezi ziqalo azikwazanga ukufinyelela emalini yazo, okuholele kwezinye izinkinga eziningi kubo.
I-US Federal Reserve manje isisungule indawo yokuboleka izimo eziphuthumayo ukuze kunqandwe ubungozi bokutheleleka.
Nokho, ngaphandle kwalokhu, ukuwa kwe-SVB kuthumele amajita emhlabeni wonke.
Ukudubula kwezwakala emhlabeni wonke—kuhlanganise neMalaysia
Nakuba abadiphozithi be-SVB yibona abathinteke kakhulu kulokhu kuwa, umthelela wesigameko udlulela ngalé kwalokho, okubangela ukushaqeka kuyo yonke imakethe.
“Abatshalizimali kanye nabanye abaqalayo ababengebona abagcini bezimali be-SVB nabo bebezama ukuhlola ukutholakala kwabo emabhange,” kusho uNicholas. “Ingabe abatshalizimali babo bayavezwa? Ingabe abahlinzeki bazo bayathinteka? Ngabe amabhange angenza okufanayo?”
Uqhube wathi, “Izimakethe zaseMalaysia zisabele ngempela, ikakhulukazi amasheya asebhange. Kodwa-ke, lokhu kungase kube ukusabela okuxekethile ngenxa yokwesaba ukutheleleka ngesistimu. “
Ngokwalokho uJustin akubonayo, nokho, indawo yokuqala yendawo ayithintwa yilokhu.
“Mayelana ne-NEXEA, kuyibhizinisi njengenjwayelo—umatasa nokwakha i-ecosystem nge-Cradle ku-accelerator ye-MyStartup,” waphawula.
Ingabe izinkathazo ziyathetheleleka?
Bobabili u-Justin no-Nicholas bacabanga ukuthi mancane kakhulu amathuba okuthi sizobona izigameko ezifanayo e-Malaysia.
“Amabhange aseMalaysia alawulwa kakhulu yi-BNM, futhi kungenzeka abe nezinqubo ezingcono kakhulu zokulawula ubungozi uma kuqhathaniswa ne-SVB,” eqinisekisa.
IPhini likaNgqongqoshe wezeziMali USteven Sim naye usekhulumile futhi yathi ukuhlola okwenziwa iziphathimandla zezezimali zendawo kuqinisekisile ukuthi uhlelo lwamabhange e-Malaysia luhlala lunokuncintisana futhi luqinile.
Amabhange ayinto eyodwa—kuthiwani ngemizwa yalabo abasesimisweni sokuqala sezinto eziphilayo? Ingabe ikutholile ukusulelana?
“Ngiyazi futhi ngabaqambi abambalwa eMalaysia ababekhathazeke ngokuchayeka okungaqondile ku-SVB, okungenzeka ngabatshalizimali babo noma nge-systemic contagion,” esho. “Ngenhlanhla, umthelela eMalaysia ubonakala uthulisiwe kakhulu, ngaphandle kokuxakeka kwemakethe.”
Uma uyiqhathanisa nokuqothuka kwe-Lehman Brothers okwabamba iqhaza enkingeni yezimali yango-2008—okuyisiqhathaniso abaningi abebelokhu besenza—ukuphahlazeka kwe-SVB kubonakala kuqukethwe kakhulu.
Njengoba u-Nicholas akubeka, ukuwa kwe-SVB kubonakala kuyi-idiosyncratic ngokwemvelo hhayi inkomba yento enkulu, yokuphisa.
U-Justin ukholelwa ukuthi ngaphandle uma betshalwe yisikhungo saseMelika, mancane amathuba okuthi ukuqalisa e-Malaysia kuthinteke.
“Ngaphandle kwengozi yokwehla koxhaso lwesifunda olufika sekwephuzile, asilindele noma yimuphi umthelela ekuqaliseni kokuqala kwase-Malaysian,” kwengeza u-Justin. “Phela iningi loxhaso lwezimali lwaseMalaysia luvela ezikhungweni zasendaweni nakubantu ngabanye.”
“Uma kukhona, umbuso wamabhange oyisicefe kodwa ozinzile waseNingizimu-mpumalanga ye-Asia ugqamisa izinzuzo zokulawula okuhle.”
Izifundo okufanele uzifunde
Bobabili uJustin noNicholas babonakala benethemba ngalesi simo. Kungaba yiqiniso ukuthi indawo yaseMalaysia ihlala izinzile, kodwa kukhona labo eNtshonalanga abacabanga ukuthi lokhu kuzoba nemiphumela yeminyaka ezayo, ikakhulukazi emkhakheni wokuqalisa ubuchwepheshe.
Kokunye, isisheshisi sokuqalisa esivelele u-Y Combinator ukhulume kakhulu ngokuwa. I-CEO yayo uGarry Tan ku-tweet ukuthi u-30% wabafaki bezimali be-SVB bazoba sengcupheni yokungakwazi ukwenza imali yokukhokha futhi ngaleyo ndlela uqale isicelo sokubiza iCongress yase-US ukuthi ithathe isinyathelo ngokuwa.
Ngokuvumelana ne Iwebhusayithi ye-SVB, 11 kwezingu-15 Y Combinator eziqala ngebhange le-IPOs nge-SVB. Akugcinanga lapho, eziyisikhombisa zalezo ziqale nge-SVB Startup Banking.
Ngokomongo, i-Y Combinator isekele izinkampani zaseMalaysian ezifana Durioo futhi Pandai.
Kunoma yikuphi, kufanele kube nezifundo ongazithola kulokhu okwenzekayo. Abanye badwebe ukufana phakathi kokuphahlazeka kwe-SVB kulokho okungenzeka ku-EPF yaseMalaysia uma ingakwazi ukuqeda. Abanye cabanga ukuthi kukhombisa ukuguquguquka kwe-crypto.
Mhlawumbe, lesi senzakalo siphinde sigqamise ukubaluleka kokuthembela amabhange asekhaya, nokuthi kungani amabhange asekhaya kufanele enze okwengeziwe ukuze asekele uhlelo lwethu lwendawo yokuqalisa.
Futhi kumuntu wansuku zonke-lesi futhi isikhumbuzo esihle sokuthi ungabeki wonke amaqanda akho (kanye nokutshalwa kwezimali) kubhasikidi owodwa.
- Funda ezinye izindatshana esizibhalile mayelana neziqalo zaseMalaysian lapha.
Ikhredithi Yesithombe Esifakiwe: I-Silicon Valley Bank / I-Wiki Commons
