Thai zvikwereti zveimba zvakanyanya mumakore mapfumbamwe
Chikwereti chemumba cheThailand chakakwira ne20,2 muzana gore rino, mwero wepamusoro mumakore mapfumbamwe. Chikwereti chakaremerwa i11 trillion baht. Zvisinei, nyanzvi dzinofunga kuti ichi hachisi chikonzero chokuitira hanya zvikuru.
Ongororo yakaitwa neYunivhesiti yeThai Chamber of Commerce (UTCC) inoratidza kuti dzimba dzine chikwereti chepakati che298.000 baht, kubva pa2015 baht mukupera kwa248.000.
Sekureva kwaThanavath Phonvichai, director weUTCC's Center of Economic and Business Forecasting, mamiriro ezvinhu haana kunyanyoipa sezvazvinoratidzika. Zvikwereti zvizhinji zviri kuitwa nemabhangi uye hazvichaiti mudunhu dema, senge nevanoshandisa mari. Uyezve, zvikwereti zvizhinji zvinodzivirirwa nechibatiso.
Zvikwereti zvakawanda zvinowanikwa zvekurejesa mota, zvikwereti, kutenga michina inorema uye zvikwereti zvekushandisa mari. Izvi zvinodzikamisa mhedzisiro pamabhangi 'NPLs (zvisiri-kuita zvikwereti), Thanavat akadaro.
"Kuwedzera kwechikwereti cheimba kwakatanga muna 2013," anodaro Thanavath. Hurumende yeYingluck yakabva yatanga chirongwa chekutsigira kutengwa kwemotokari yekutanga neimba yekutanga. Mupunga wemortgage system ine nharo ndiyo yainyanya kukuvadza. Nekuda kwekuti vanhu vaifunga kuti vaizobatsirikana zvikuru nemari, zvinhu zvakawanda zveumbozha, zvakaita semota, midziyo yemagetsi uye mafoni anodhura, zvakatengwa nemari.
Maererano naThanavath, migumisiro yeizvi inosvika kure: “Nekuda kwehupfumi husina kusimba gore rino, makambani madiki ane mari shoma inowanikwa, izvo zvinoreva kuti anomanikidzwa kukwereta mari. Chimwe chikonzero nei zvikwereti zvawedzera.”
Iine 81,5 muzana yegross chigadzirwa muchikwereti, Thailand iri munyika gumi dzepamusoro dzine chikwereti chakanyanya chemhuri pasi rose.
Kunobva: Bangkok Post
20% kuwedzera kwezvikwereti zvemunhu mugore re1 nepo avhareji mari isingawedzere.
Uyezve Thai "nyanzvi" dzinoti harisi dambudziko. Ichafanirwa kubhadharwa zvakadaro uye zvino ichava dambudziko rinowedzera kana dzimba dzisina kuwedzera kwemari.
Nenzira yakanaka, nyanzvi dzechokwadi kune dzimwe nyika dzinofunga zvakasiyana: zvakashata, saka kuwedzera kwezvikwereti.
Zvino nyaya yechibatiso: varimi vakawanda vari kurasikirwa neminda yavo nekuti havakwanise kudzosera.
"Nyanzvi" dzeThai dzinofunga kubva pakuona kwebhangi. Usabhadhare, mota idzoserwe, ivhu rakatengeswa zvichingodaro. Vachava nehanya nekuguma kwemukwereti. Ko inyika ine nyanzvi dzakadai.
Kuwedzera kwe20% muchikwereti cheimba chinhu chaicho uye kana paine chibatiso kana kwete hachikonzere chikwereti ichocho. Naizvozvo ndinobvumirana naGer kuti matambudziko emhuri dzeThai ari kuwedzera uye nyanzvi dzeThai, dzinogona kunge dzine sangweji yakapfuma kwazvo ivo pachavo, vangaita zviri nani kuziva izvozvo pane kurerutsa dambudziko.
Kunyangwe iwe usingakwanise kurarama pamuhoro wepasi we300 Bath pazuva, zviri kuramba zvichinetsa kune vanhu vane hunyanzvi hwepasi muThailand kuwana basa. Uye hongu, vazhinji Thais vanotenga zvese nemari, ivo vanoda kuita purofiti nhasi uye kuona kuti ngarava inoguma kupi mangwana.
Wadiwa Leo,
Mubairo wakaderera, muIsaan vauya neinotevera: vhiki yekushanda mazuva manomwe, zuva rinotora maawa gumi nemaviri, hapasisina mazuva ekuzorora, dhipoziti iri pakati pe7 ne12 Baht haina mutsauko uye muhoro wepamwedzi i3000 Baht. , kunyanya makambani matsva uye zvibvumirano zvitsva zvinoita izvi.
Kwaziwai Cees
Dambudziko guru riri kuuya, hurumende iyi iri kusimudzira kukwereta mari, izvo zvoita kuti zvikwereti zvikure.
Kuzviuraya kwevarimi kuri kuwedzera zvinotyisa. Mapurojekiti makuru ari kuvakwa kwese kwese. Asi inopfuura hafu yavo haina chinhu. Motokari dzakawanda dzinotorwa nebhanga nekuti havazive mashandiro anoita bhajeti. Thai anoshandisa zvese kamwechete. Kana nharembozha itsva yabuda vanhu vanoida chero pacho.Kugezera kunodhura,vanotengesa kunze vanonyunyuta zvakanyanya,asi vepamusoro havana basa nazvo. Vanogara mushongwe yavo yegirazi. Kurohwa kuchauya, mubvunzo chete ndewekuti rinhi.
Denderedzwa dema riri kukura zvakasiyana nezvaitarisirwa, hapana mari iri kukweretwa, asi goridhe riri kutengeswa, unoenda negoridhe iroro kuchitoro chegoridhe wowana mari yegoridhe rinodhura rawakatanga kutenga, raunobhadhara zuva nezuva. inenge 100 baht. Hakuchina vanokwereta, asi zvitoro zvegoridhe zvinodhura zvakanyanya
Iva nevhiki yakanaka Cees
Ndiyo mari yepamusoro mumakore mapfumbamwe. Izvi zvinoreva kuti yakanga yakatokwira makore mapfumbamwe apfuura.
Tafura inoratidza kuti muna 2012 yakanga iri zvishoma kudarika hafu yanhasi.
Chikwereti chose nokudaro chinofanirwa kunge chiri pakati nepakati pakati pa2007 na2012.
Zvingave zvinonakidza kuziva kuti zvii zvakakonzera izvi.
Izvi zvinoratidza kukura kwechikwereti cheimba muThailand kubva ku1992 kusvika ku2016, zvishoma nezvishoma kubva pa30 kusvika ku70% yeGDP ikozvino, nepamusoro-soro muna 1997-8 panguva yematambudziko ehupfumi.
http://www.tradingeconomics.com/thailand/households-debt-to-gdp
Dzimwe nhamba dzinoratidza kuti chikamu chimwe chete/ 1 chechikwereti chine chekuita nemba yemba, 3/1 chikwereti chebhizinesi uye 3/1 chezvinangwa zvevatengi.
Uyezve, Thais chengetedza paavhareji ingangoita 8% yemari yavo pagore.
Mukugadzirira rekodhi yegore rinouya, varimi vanowana kadhi rechikwereti:
http://m.bangkokpost.com/business/telecom/1087041/baac-to-supply-debit-cards-to-farmers
Dzidzisa vanhu kuchengetedza? Tora matanho akakodzera ekukurudzira izvi? Tsigiro yezvitsva, zvehupfumi zvirongwa zvehupfumi zvine (micro) chikwereti uye gwara rakakodzera?
Aiwa, boka rezvematongerwo enyika rinotonga uye vashandi vavo vakapfeka majasi egirini havatombofungi izvozvo.
Kupa kiredhiti yakawanda kune mhomho yevanhu vasingakwanisi kuitenga nechokwadi, zvichida nechibatiso chine hukama hunokosha. Inogona kurohwa zvakanaka. Iyi ndiyo nzira iyo boka rekutonga uye rinopindirana nejasi rakasvibirira rinotora nyika dzevarimi. Kudzoreredzwa mushure meThai "Ancien Regime".
Vanosvika makumi mashanu muzana evaThais vanofanirwa kurarama nekurima, nepo chikamu chezvekurima chisingaverengere gumi muzana reGDP. Pane chido chekukurumidzira chemagariro evanhu kune mutemo wakanaka wekugadzirisa hupfumi. Nehurombo, hapana kana hanya inopihwa kune izvi, kwete mumapato ezvematongerwo enyika, kwete mune "vanokwanisa" zvigaro zvepamutemo uye kwete kunyange munharaunda dzedzidzo.
Ndiyo imwe yenguva chaiyo mabhomba anokwenya muThailand. Kadhi rechikwereti reBAAC rinongononotsa bhomba kwechinguva.
Kana mabhanga ekutengeserana asingadi kubatirana nechirongwa ichi chekadhi rechikwereti, izvi zvinotaura zvose pamusoro pekubudirira uye nengozi yepurogiramu yeBAAC/Krungthai kadhi rechikwereti.
Kana ndataura chokwadi, idebit card, saka kana musina mari muaccount musatenge chero chinhu. Chaizvoizvo, sezvakangoita nekadhi redu rekubhengi
Chinyorwa chinonzi 'imho' hachina kujeka.
Iko kune chokwadi kutaura nezvekadhi rechikwereti, asiwo yekudzidza mashandisiro emakadhi echikwereti uye makumi matatu-mazuva-yemahara-yemahara zvikwereti.
Zvose zvandinoona ndezvokuti makamuri ekuratidzira ari kumera sehowa ... Avhareji yeThai ikozvino inotyaira motokari inokosha inenge 30.000 euros.
Mota dzemasecond hand dzinenge dzakadhura kunge itsva...zvichireva kuti pane mari shoma uye inodiwa zvakanyanya...Saka kuti ngano yekuti vese vatengese mota dzavo hadzina maturo.
Vese vana vane scooter pasi pemagaro avo...hapana anofamba 50 metres netsoka...Munhu wese ane smartphone. Zuva rekuzorora uye vese Thais vanotyaira kuenda kumahombekombe kwavanodya nekunwa zvakanyanya.
Nzvimbo dzekugara dziri kukura nekukurumidza…..dzimba huru….4 makamuri…mabathroom matatu….
Ini ndinongoona kuti Thailand iri kuramba ichiwedzera kubudirira ...
Kunenge kwese kwese muThailand iwe uchiri kuona yakajeka yekudzivirira layer pamagetsi (maTV, nezvimwewo).
Ndinofunga vanoita izvi kuti zvive nyore kuzvipa kana vabvunzwa.
Chero zvazvingaitika, hazvinei nechokuita nekushaya mari, hapana chaunokweretesa muchidimbu chimwe chete 🙂
Nemamwe mashoko, vanhu vanorarama nemari uye kana ikadzorerwa, unenge wanakidzwa nayo kwenguva.
Kana iwowo ari iwo mafungiro, saka chikamu hachizodzike nekukurumidza.
Ini ndinofunga kusiya firimu rekudzivirira inyaya yehupfumi. Ndaigara ndichisiya izvo zvega uye mudiwa wangu weThai akaita zvimwe chetezvo. Takanga tangove nelaptop itsva ndichibva ndakanda makiyi akawanda palaptop. Hommes, laptop yakabva yatariswa kuti haina makwara uye akange aona kakukwenya pawakaitarisa muchiedza chaidzo. Firimu redziviriro rakaramba riripo kuti ridzivirire kubva pakukwenya, akadaro. Kunyangwe kusiya foil munzvimbo kwakawedzera kukosha kana uchitenga pazvikamu? Ini handina chandinoziva, akachengeta mari asati atenga chero chinhu - kunyangwe ndisati ndauya muhupenyu hwake.
Sekuona kwangu, kutenga nechikwereti kune chekuita nekukwanisa kuva nezvinhu 'zvakakosha' nhasi kwete gore rinouya. Munyika ino, hapana munhu muNetherlands kana Thailand anogona kuita pasina smartphone, flat screen, piritsi kana nzira dzekufambisa. Uye hey, chii chinonzi 5-10% mubereko pamwedzi? A capital of interest pamusoro penguva yese, asi vashoma vanhu vanofunga nezvazvo. Kudikanwa, makaro, kuwana chimwe chinhu kunofanira kuitwa nokukurumidza, uye ndyiko dzinoratidzika kuva dzisina kunyanyoipa.
Kudzidza kuti kuchengetedza kune hungwaru kunobatsira zvishoma, asi usatarisire zvishamiso nekuchinja kwakadaro kwemafungiro, uyezve ndinotoshamisika kuti pamwe chete tsika yekuchengetedza / yechikwereti ndeyenyika. Kana mari iri kupisa, mutemo uri nani (uye kutonga) pazvikwereti zvichabatsira zvakanyanya. Saka ita kuti zvive nyore kuti mutengi ararame nemari.