Sosaiti muThailand iri kuchembera nekukurumidza
Kuchembera nzanga muThailand
De kuchembera nzanga uye kuderera kwenhamba yekuzvarwa kuri kukanganisa budiriro yeThailand, Bank of Thailand (BOT) inoyambira.
Iyo BOT saka zvakare inokwevera kutarisa kune kusaenzana kwevanhu. Iye zvino chikamu che16 muzana chevanhu chave nemakore anopfuura 60 uye vashandi vehurumende vanobvumirwa kuenda pamudyandigere pazera iroro. Pamakambani akati wandei nguva yekurega basa inosvika makore makumi mashanu nemashanu. Huwandu hwevakasiya basa muThailand saka huri kuwedzera nekukurumidza.
Naizvozvo Thailand ingasangana nezvinetso mumakore anoverengeka, nepo munyika dzakapoteredza dambudziko racho richamuka gare gare zvikuru. Kana ichienzaniswa nedzimwe nyika dzeAsia, Thailand ine vanhu vakawanda vakwegura kupfuura vechidiki. Kugovewa kwezera muhuwandu hwevanhu kwave kwakatsveyama zvakanyanya, nemhedzisiro inosvika kure yekutora chikamu kwevashandi.
Zviri pachena kuti izvi zvine chekuita nebudiriro yehupfumi. Semuenzaniso, vakadzi vakawanda vechiThai havasisiri kushanda mubasa rekushanda kubva pazera remakore makumi mana nemashanu. Vanosarudza kuchengeta vana, vazukuru uye vakwegura. Vakadzi vechiJapan, kune rumwe rutivi, vachiri kushanda mumusika wevashandi pazera re45. Vakadzi vechiThai vanosiya basa rinobhadharwa vanewo dzidzo shoma. Izvi zvinoita kuti kupinda zvakare kuve kwakaoma. Saka BOT inoda kudzidziswa kuri nani kwevakadzi vechidiki uye nekuwedzera kuchinjika maawa ekushanda, kuitira kuti vanhu vabatanidze kutarisira mhuri nebasa.
Iye zvino avhareji yevanhu vana vanoshanda zvichienzaniswa ne4 asiri kushanda Thai. Mafungiro anoratidza kuti reshiyo ichave iri 1: 2031 panosvika 1. Muna 1 kuchatove nechaunga chachembera chakasimba.
Kusvika pari zvino, hurumende haisati yaziva kuipa kwehuwandu hwevanhu vachembera. Hapana chiyero kana kufarira uye pane chiono chenguva pfupi chete.
Kwakabva: Mhoro Magazini
MuThailand, 16 muzana vane makore 60 kana kuti kupfuura, muNetherlands iyo iri 25 muzana. Nhamba yekuberekwa inenge yakafanana neNetherlands: 1.6 pamukadzi.
Sezvineiwo, munyika dzose dziri mbiri nhamba yevashandi inochengetwa nevanotama.
Huwandu hwevanhu vanopfuura makumi matanhatu muThailand hwakanga hwatove gumi nenomwe% muna 60 uye huchawedzera kusvika makumi maviri muzana muna 2017. Pakazosvika 17, 2021% yehuwandu muThailand inotarisirwa kunge inopfuura makumi matanhatu. Huwandu hwevashandi huri kudzikira zvinoshamisa, huchidonha nemamiriyoni mapfumbamwe panguva ino. Iyi haisi nyaya zvachose muNetherlands nekuti ine vanhu vadiki. Saka nyika mbiri idzi dzinopesana mune izvi uye Netherlands yakatosiyana muEurope nekuti haina vanhu vanokurumidza kuchembera. Izvi zvakasiyana neThailand uko pasina kutsiva kwevashandi kunze kwekubva kune dzimwe nyika. Thailand, pamwe chete neJapan neChina, ndeimwe yenyika nhatu dzepamusoro dziri kunetseka nehuwandu hwevanhu vari kukurumidza kuchembera.
Ndinotsunga kukahadzika kuti Netherlands ine vanhu vadiki.
Betse Ger, Italy mumwe muenzaniso wenyika iri kuchembera nekukurumidza kupfuura Thailand. Saka Thailand haisi pakati pevatatu vepamusoro. Zvichida/zvichida kwete kunyange mugumi. Ona:
https://upload.wikimedia.org/wikipedia/commons/4/48/Bev%C3%B6lkerungspyramide_Thailand_2016.png
https://i2.wp.com/www.redpers.nl/wp-content/uploads/2017/09/italy-population-pyramid-2016.gif
Wadiwa Tino, ndiri kuverenga pano chikumbiro chekuti ndisarudze kupinda kune dzimwe nyika, zvakare kuNetherlands? Nekuti varimi veSomalia vasina kudzidza, semuenzaniso, vanongokanganisa hukama pakati pevashandi nevasiri vashandi. Ini ndingave ndichifarira kusarudzwa kwakadaro nekuti Netherlands inogona kunge yakazvifunga ichipihwa matambudziko makuru anozomuka mumunda wehupfumi.
Tinoshanda kuti tirarame here, kana kuti tinoraramira kushanda? Chii chingave chakaipa nekugara pasi pano nevanhu vashoma uye kugovera mari iri nani. Zvichida kuwedzera kwevakwegura uye kuderera kwekuberekwa chikomborero chenyika ino. Ndangofunga izvi...
Huwandu hwevanhu vachembera chikomborero nekuti munguva pfupi iri kutevera basa rakawanda richanyangarika muThailand nekuda kwekuwedzera kwerobhoti uye AI.
BoT inonyatsoziva kukanganisa kwedemografia pabudiriro yenyika yepakati nepakati. Vakuru vezvematongerwo enyika nevechiuto havasi kutarisa kunze kwesarudzo dziri kuuya. Zvirongwa zvebato nekutaurirana zvinoratidza izvi.
Chikwereti chakanyanya chakavanzika chemhuri muThailand chiri kunyanya kunetseka. Vanhu vakawanda kwazvo vari munjodzi yekukwevera zvikwereti zvavo mukuchembera, apo vanenge vasina basa nehunyanzvi. Vanotadza kukosora kuti kufarira. Nhamba yavo iri kuderera yevana/vadyi venhaka ivo vamene vakaremerwa nechikwereti chikuru, zvichiita kuti zvisabvire kuti vatakure zvikwereti zvokuwedzera zvevabereki vavo. Izvi zvinoguma (zvakare?) Zvikwereti zvakawanda zvakashata, zvisingambokwanisi kubhadharwa.
Mamiriro ezvinhu aya anotyisidzira kuve dambudziko guru reThai banking sector. BoT yakamboyambira pamusoro peizvi. Dambudziko iri rinowirawo panzeve dzisinganzwe pakati pevagadziri vemitemo.
Zvikwereti Zvisingaite muThailand zvakamira pa2018% munaGunyana 3. (muna 1999, mushure mematambudziko ehupfumi, iyi yaiva 44.7% uye nhamba yakaderera yaiva 2.2% muna 2014).
https://www.ceicdata.com/en/indicator/thailand/non-performing-loans-ratio
Chikwereti chakazvimiririra mutoro muThailand i80% yemari yenyika, muNetherlands i200%. Hafu yezvikwereti izvozvo muThailand zvikwereti zvemba, chikamu chimwe nechimwe zvinhu (motokari uye zvichingodaro) uye chikamu chechina zvikwereti zvisina kuchengetedzwa (makadhi mazhinji echikwereti).
Handifungi kuti pane chikonzero chikuru chekunetseka.
Tine hurombo Tino, asi Non Performing Loans kubva gore rapfuura 2018 kutaura zvishoma kana kusataura pamusoro pekugona kubhadhara mari kune vakwegura vachauya. Nhasi, vanhu ivavo vachiri kudzorera mari yacho kumabhangi. Kudzoserwa kwemari idambudziko rezvimiro rinomiswa nekufamba kwenguva, kusanganisira kuburikidza nekudzokororwazve, kudzamara mari yehunyanzvi yadzikira kana kunyangarika. Parizvino izvi hazvisi kuoneka munhamba dzezvikwereti zvakanyoreswa zvisingaite.
Ndingatarisira nzwisiso yakadzama kubva kumutsigiri weFFW mune ramangwana 😉
Chikamu chechikwereti chakazvimiririra kana chichienzaniswa neGNP chakakodzera mune iyi kesi, asi kuenzanisa iyo yekubhadhara kugona kwevaDutch pane imwe-kune-imwe hwaro neiyo yeThais chinhu kunze.
Kunyangwe iwe wakafukidzwa neyakagadziriswa-value mortgage kana chikwereti chemari inishuwarenzi yakakoshawo zvakare.
Handizivi kuti unowana sei iyo 200%, asi iri pedyo ne50%. Zvinoenderana neEuropean standard iwe unofanirwa kunge uri pasi pe60%. Nehurombo, Netherlands haizadzise chinodikanwa ichi uye dzimwe nyika zhinji hadziite.
Tino arikutaura zvemaprivate zvikwereti. Chiyero che60% chinoreva chikwereti chenyika. Uye nerombo rakanaka Thailand zvakare ine zvibodzwa zvakanaka pane izvi.
Asi kune rumwe rutivi, makore mashomanana apfuura zvakanga zvakaoma kuti musikana wangu awane basa mushure mekushanyira kwemwedzi miviri kuNetherlands, nokuti kana iwe uri pamusoro pe2 iwe ucharambwa, saka vanorega rusarura irworwo kutanga ita.
Iye zvino anogara kuNetherlands uye akawana basa ikoko mukati memwedzi.
Sekuona kwangu, huori huri kukanganisa budiriro yeThailand
Wadiwa Lodewijk, rombo rakanaka kuti mufananidzo wacho hauna kushata sezvawatsanangura. Izvi zvinoonekwa kubva kuhuwandu hwevanhu huripo (https://upload.wikimedia.org/wikipedia/commons/4/48/Bevölkerungspyramide_Thailand_2016.png).
Muna 2016, pakanga paine varume vangangoita mamirioni 5,2 vane makore angangoita makumi matanhatu. Muzera rezera re60-20 makore maive ne60 miriyoni. Saka factor yako 20,3.
Muna 2031 (kureva makore gumi nemashanu gare gare), vashandi vane mamiriyoni e15 vachawedzerwa (vaduku varipo), apo 6,5 ichaenda kune vanopfuura-7,1s. Kunyangwe pasina kufa, chinhu chiri pakati pevanhu vanoshanda nevakweguru chinoenda kune angangoita 60: 1,6 maringe ne19,7. Muchokwadi ichave pedyo ne12,3. Saka zviri kufamba nekukurumidza, asi nerombo rakanaka kwete nekukurumidza sezvawakanyora.