Umthombo wesithombe: https://www.cnbc.com/quotes/.DXY

I-US Dollar Index (USDX) isetshenziselwa ukubala inani elihlanganisiwe loshintsho lwedola laseMelika uma liqhathaniswa nezinye izinhlobo zezimali ezikhethiwe ukukala izinga lamandla ledola laseMelika.

Lo bhasikidi wezinhlobo zemali unezinhlobo zemali eziyisithupha ezinkulu: i-Euro, i-Yen yaseJapane, iPondo yaseBrithani, iDola laseCanada, i-Krona yaseSweden kanye ne-Swiss Franc.

Ukwenyuka kwe-index ye-dollar kubonisa ukuthi isilinganiso sedola kumali engenhla senyukile, okusho ukuthi idola liye laziswa futhi izinto eziyinhloko zamazwe ngamazwe zibizwa ngamadola, ngakho-ke amanani entengo ahambisanayo ayehla.

Ngaphandle kwendima ebalulekile edlalwa inkomba yedola ekuhwebeni kwamazwe angaphandle, isikhundla salo ku-macroeconomics akufanele singanakwa.

Inikeza abatshalizimali umbono wokuthi idola laseMelika liqine kangakanani emhlabeni, okuthinta ukugeleza kwezimali zomhlaba wonke futhi kube nomthelela ezimakethe zesitoko namabhondi, phakathi kokunye.

Kungashiwo ukuthi inkomba yedola iwukubonakaliswa komnotho wase-US kanye nesimo sezulu sokutshala izimali, yingakho ibukwa yimakethe yomhlaba wonke.

 

Kungani idola lihlala lihlaziya kabusha?

Ukukhula ngokushesha kwedola kusukela kulo nyaka kwaqala lapho iFederal Reserve ikhombisa - ngezindleko zokukhula komnotho - ukuthi izolwa nokwehla kwamandla emali ngokukhuphula inzalo ngokushesha.

Lokhu kwavusa igagasi lokuthengisa ezimakethe zesitoko kanye namabhondi futhi kwaqhuba ukuvunwa kwebhondi yase-US njengoba abatshalizimali bebalekela kudola laseMelika njengendawo ephephile, bagcina beqhubekisela phambili inkomba yedola emazingeni angazange abonwe emashumini eminyaka.

Ngezitatimende zakamuva zika-Powell ze-hawkish "zokulwa nokwehla kwamandla emali ngaphandle kokuyeka", abaningi manje balindele ukuthi i-Fed iqhubeke nokukhuphula izinga lenzalo ngo-2023, kanti iphuzu lokugcina lingase libe cishe ku-4%.

Isivuno seminyaka emibili yamabhondi ase-US siphinde sanqamula isithiyo esingu-3.5% ngesonto eledlule, okuyizinga eliphakeme kakhulu selokhu kwaqubuka inkinga yezimali emhlabeni.

Umthombo wesithombe: https://www.cmegroup.com/trading/interest-rates/countdown-to-fomc.html

Kuze kube manje, okulindelekile kokukhuphuka kwamaphuzu angama-75 ngoSepthemba kuye kwafinyelela ku-87%, futhi i-Fed izoqhubeka nokukhuphula amanani ukuze ihehe abatshalizimali ukuthi basuse imali emazweni lapho amanani asephansi aye e-US.

Ngakolunye uhlangothi, i-euro, eyingxenye enkulu yenkomba yamadola, inomthelela omkhulu kuyo, kuyilapho inkinga yamandla e-Europe iphinde yanda ngokuphazamiseka kwamanje kwegesi esuka eRussia iya eYurophu.

Kodwa ngakolunye uhlangothi, ukusetshenziswa kanye nedatha yokuqashwa e-US ithuthuke kahle, futhi ingozi yokuwohloka komnotho iphansi, okwenza nempahla yedola ifuneke kakhulu.

Njengamanje, kubonakala sengathi inqubomgomo ye-Fed yokwenyuka kwezinga eliqinile ifana nomcibisholo ocingweni, isimo eRussia nase-Ukraine cishe ngeke siguqulwe esikhathini esifushane, i-Dollar kungenzeka igcine ijubane eliqinile, futhi kulindeleke ukuthi ngaphezu kwe-115 ukuphakama.

 

Yimaphi amathuba adalwe ukwehliswa kwe-RMB?

Ukukhula ngokushesha kwedola laseMelika kuholele ekwehleni okuvamile kwezinhlobo zemali zeminotho emikhulu yomhlaba, lapho izinga lokushintshaniswa kwe-RMB lingazange ligcinwe khona.

Kusukela ngomhlaka-8 Septhemba, izinga lokushintshaniswa kwe-yuan lase-offshore lenze buthaka amaphesenti angu-3.2 ngenyanga laya ku-6.9371, futhi abaningi besaba ukuthi lingase liwele ngaphansi kwezinga elibalulekile elingu-7.

Umthombo wesithombe: https://www.cnbc.com/quotes/CNY=

Ukuze kwehliswe ingcindezi ku-yuan enciphayo, ibhange eliphakathi laseChina liphinde lehlisa isilinganiso semfuneko yokugcinwa kwemali efakwa emalini yangaphandle - ukusuka kumaphesenti angu-8 kuya ku-6%.

Ngokuvamile, izinga lokushintshisana elinciphayo lithuthukisa ukuthunyelwa kwempahla ngaphandle, kodwa futhi liholela ekwehleni kwezimpahla ezikhonjwe ngemali yendawo - ukwehla kwenani le-RMB kuholela ekuncipheni kwezimpahla.

Izimpahla ezinciphayo azilungele ukutshalwa kwezimali, futhi imali eku-akhawunti yabantu abacebile izoncipha kanye nazo.

Ukuze kulondolozwe inani lemali kuma-akhawunti abo, ukufuna ukutshalwa kwezimali phesheya sekuyiyona ndlela ethandwa kakhulu kubantu abanenani eliphezulu ukuze balondoloze inani lezimali zabo ezikhona.

Kulesi sigaba, lapho umnotho waseShayina ubuthakathaka, i-RMB iyancipha futhi i-USD ibonga kakhulu, ukutshala izimali ku-US real estate kuba uthango kubantu abaningi.

Abathengi baseShayina bathenge i-US real estate engabiza u-$6.1 billion (noma ngaphezulu kuka-RMB 40 billion), okukhuphuke ngamaphesenti angama-27 kusukela ngonyaka odlule, ngokusho kwe-NAR.

Ngokuhamba kwesikhathi, inkambiso ethuthukayo yabatshalizimali baseShayina iwukukhulisa ingxenye yokwabiwa kwempahla phesheya kwezilwandle.

 

Emakethe ye-mortgage, lokhu kungenzeka kulethe amanye amathuba amasha kanye namathuba.