“المركزي الإماراتي”.. استباقية تعزز الثقة العالمية

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Ndondomeko zandalama za UAE zili ndi njira yapadera yokhazikitsira bata lazachuma ndikuwonetsetsa kuti mabanki atetezedwa motsutsana ndi kusinthasintha kwapadziko lonse.

Ndi chitsimikiziro cha Board of Directors of the Central Bank, motsogozedwa ndi Sheikh Mansour bin Zayed Al NahyanWachiwiri kwa Purezidenti wa Boma, Wachiwiri kwa Prime Minister, Mtsogoleri wa Ofesi ya Purezidenti, adatsindika kulimba kwa kayendetsedwe kazachuma kothandizidwa ndi nkhokwe zopitilira thililiyoni imodzi ya dirham. Kuchita bwino kwa kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe kake

Njira yokhazikikayi, yomwe imachokera ku phukusi lothandizira lophatikizana, sikuti cholinga chake ndi kupititsa patsogolo kusinthasintha kwa mabungwe, komanso kumapangitsa kuti pakhale chitukuko chokhazikika chachuma chomwe chimapatsa ogwira nawo ntchito ndi makasitomala chidaliro chonse cha tsogolo la ndalama ndi kukula.

Malingaliro ophatikizikawa a mphamvu zachuma za UAE amatsegula chitseko cha kuwerenga mozama za zenizeni za kukhazikika. Kodi ma thililiyoni a dirham reserves amaphatikiza bwanji ulamuliro? Ndondomeko ya zachuma? Kodi chimasonyeza mpaka pati? Ndondomeko za banki yapakati Kuzama kwachidaliro padziko lonse lapansi m’misika yamayiko?

Kukhalitsa kwapadera: manambala amalankhula chinenerocho

Manambala a Central Bank sanali ziwerengero chabe, koma adabwera kudzatsimikizira kukwera kwa … UAE Financial System Ndipo kuthekera kwake kwakukulu kopirira pansi pamikhalidwe yapadera yomwe ikukhudza … Misika yapadziko lonse lapansi Ndipo m’madera, popanda kukhudza kukhulupirika kwa banki ndi njira zolipira.

Kukhala ndi ndalama zosungiramo ndalama zakunja zopitilira 1 thililiyoni (madola 270 biliyoni aku US), okhala ndi ndalama zokwana 119 peresenti, kumapatsa mabanki, omwe ali ndi kukula kwa 5.4 thililiyoni ma dirham, chitetezo chokwanira motsutsana ndi kusinthasintha kwapadziko lonse lapansi.

Mphamvu izi zikuwonekera mu kuchuluka kwa ndalama zomwe mabanki amagwiridwa, omwe ali pafupi ndi 920 biliyoni dirham, zomwe zimatsimikizira kuti ndalama zotetezeka komanso zosasunthika m’mitsempha yachuma ya dziko.

The resilience pentad: engineering proactive support

Powerenga njira “UAE Central BankNkhwangwa zisanu zodziwika bwino, zomwe zidatengedwa ndi Board of Directors, motsogozedwa ndi His Highness Sheikh Mansour bin Zayed, ndipo zidapangidwa mosamala kuti zipereke “ukonde wachitetezo” wosinthika ku mabungwe azachuma:

• Miyeso Ndondomeko ya ndalama: Kupititsa patsogolo mwayi wopeza ndalama zosungira mpaka 30 peresenti ya zofunikira zosungirako, ndikupereka mwayi wopita patsogolo mu dirham ndi madola aku US.
• Kuchepetsa zofunikira pazachuma ndi ndalama: Kuchepetsa kwakanthawi kayerekezo zandalama ndi kukhazikika kwandalama kuti mabanki azitha kusinthasintha kuti athe kuthandiza chuma.
• Kuchepetsa zofunikira zosungira ndalama: Kuchepetsa ma countercyclical buffers ndi capital buffers (CCB) kuti zithandizire zachuma.
• Kasamalidwe ka chiwopsezo cha ngongole: Kupatsa mabanki mwayi woti achedwetse kugawa ngongole zapayekha komanso zamakampani kuti apereke mwayi kwakanthawi kwamakasitomala aku banki omwe akhudzidwa ndi zochitika zapadera.
• Kupereka chithandizo chowonjezera: Poganizira zochitika zapadera ndikuganizira za chithandizo choperekedwa, Central Bank ikugogomezera kufunikira kwa mabanki kuti apitirize kupereka chithandizo chofunikira chandalama kuti athandize makasitomala ndi chuma cha dziko.

Zotsatira za zolembazi sizinangochitika zokha, koma ndi zotsatira za ndondomeko zodzitetezera komanso ndondomeko zoyang’anira zomwe zatsimikizira kuti ndizofunikira. Monga Ulemerero Wake Sheikh Mansour bin Zayed Al Nahyan anatsindika, mphamvuyi ndiye chitsimikizo chachikulu chophatikiza udindo wa UAE monga likulu lazachuma padziko lonse lapansi, pomwe chidaliro chokhazikika chimakumana ndi mpikisano wapadziko lonse lapansi kuti apange chishango choteteza chomwe chimateteza kupindula kwa dziko ndikukulitsa zilakolako zamtsogolo.

Chida chodziyimira chokha choyendetsera chuma

Polankhula ndi tsamba la “Eqtisad Sky News Arabia”, katswiri wazachuma Hussein Al-Qamzi adati: “Mukayang’ana chuma cha UAE Central Bank, chomwe chidaposa thililiyoni imodzi ya dirham, ndizosavuta kuwatenga ngati chiwerengero chachikulu. Kukhazikika, osati kungolumikizana nazo, Mwanjira ina, UAE sikudikirira kuti izi zichitike – m’malo mwake, ili ndi kuthekera koyembekezera.

Ananenanso kuti: “Chomwe chimalimbitsanso chithunzichi ndi chiwerengero cha chiwongoladzanja cha ndalama zoyendetsera ndalama, zomwe zimakhala ndi peresenti ya 119. Ichi ndi chiwerengero chofunikira kwambiri, chifukwa zikutanthauza kuti dirham iliyonse mu chuma imathandizidwa ndi katundu wamkulu kuposa mtengo wake. nthawi yomwe ndalama zambiri zikukumana ndi mavuto, UAE ikusankha kukhala ndi chidaliro chifukwa chotchinga kwambiri.”

Al-Qamzi akukhulupirira kuti mfundo yofunika kwambiri si kukula kwa chuma chokha, komanso momwe amagwiritsidwira ntchito. Anati: “Phukusi lazinthu zisanu zomwe zalengezedwa ndi Banki Yaikulu zikuwonetsa kusintha komveka bwino: kuchokera ku ntchito yowunikira kupita ku udindo wa woyang’anira kayendetsedwe ka chuma. LiquidityPotulutsa ndalama zosungira ndalama, mukutumiza chizindikiro chodziwikiratu – kuti chofunika kwambiri tsopano ndikusunga ngongole, osati kungodziteteza.”

Al-Qamzi amaonanso kusinthasintha m’magulu Ngongolemwachitsanzo, sitepe yovuta koma yofunikira. Ananenanso kuti: “Panthawi yamavuto, chiopsezo sichimangobwera chifukwa cha kusakhulupirika kwenikweni, koma kuchokera ku njira yomwe kutayika kumazindikiridwa. Ngati ndondomekoyi ikufulumira mosaganizira, ikhoza kuyambitsa vuto la ngongole palokha. Zomwe zikuchitika pano ndi kuyesa kuswa mphamvu izi, ndikupatsa chuma nthawi kuti atenge mantha.”

Mphamvu zenizeni kapena kasamalidwe ka zinthu?

Koma … kodi ndondomekozi zikuwonetsa mphamvu zenizeni kapena kungoyang’anira zochitika? Al-Qamzi akufunsa funsoli ndikuyankha yekha kuti: “Kusiyana kumadalira luso lothandizira ndondomekozi popanda kusokoneza kukhulupirika. Pankhani ya UAE, ziwerengero zimasonyeza kuti lusoli lilipo. Choncho, zomwe tikuwona ndi mphamvu zamapangidwe zomwe zimagwiritsidwa ntchito ndi nzeru zamakono.”

Malinga ndi misika, izi zimamasulira chinthu chophweka koma chochititsa chidwi kwambiri, chomwe ndi chidaliro, malinga ndi katswiri wa zachuma Al-Qamzi, yemwe adanena kuti wogulitsa ndalama padziko lonse sakuyang’ana kubwerera, koma malo omwe angathe kuneneratu. Akawona kuti banki yapakati ili ndi zothandizira, imayenda mwachangu, ndikugwiritsa ntchito zida zake mosinthika, ndalama zomwe zimaperekedwa zimangochepa. Izi zikuwonekera mu kukhazikika komanso ngakhale kukopa kwa kayendetsedwe ka ndalama.

Nthawi yomweyo, Al-Qamzi adanenanso kuti chinthu chofunikira sichinganyalanyazidwe, ndikuti kusinthasintha kumeneku kuyenera kukhala kwakanthawi. Kuchepetsa ndalama zogulira ndalama ndi ndalama kumapindulitsa kwakanthawi kochepa, koma kumakhala ndi zoopsa ngati kupitilira kwa nthawi yayitali. Vuto lenileni nthawi zonse ndi nthawi yobwereranso kuzinthu monyanyira. Kuzengereza kuchita zimenezi kungachititse kuti pakhale zoopsa zosaoneka.

Kukonzekera kwathunthu: kasamalidwe ka zoopsa komanso kupitiliza kwa bizinesi

UAE Banks FederationKomanso, adatsindikanso kuti phukusi lothandizira lothandizira likuwonetsa njira yokhazikika ya Banki Yaikulu ndi cholinga cholimbikitsa kusinthasintha ndikuphatikiza bata ndi mphamvu zamabanki mdziko muno malinga ndi zochitika zapadera zomwe zimawonedwa ndi dera komanso zachuma padziko lonse lapansi.

Abdul Aziz Al Ghurair, Wapampando wa Bungwe la Atsogoleri a Federation, akukhulupirira kuti izi zikutsimikizira masomphenya a utsogoleri wanzeru wa UAE ndi njira yokhazikika ya UAE Central Bank, yomwe ili ndi chidwi chofuna kupanga njira, ndondomeko ndi ndondomeko zowonetsetsa kukhazikika kwa mabanki ndi zachuma, ndikugwira ntchito yomwe adapatsidwa pa chitukuko cha zachuma ndi chikhalidwe cha anthu ndikukwaniritsa zofunikira za UAE.

Ananenanso kuti: “Kutengera maziko olimba achuma cha UAE komanso mfundo zapamwamba zazachuma, mabanki akwanitsa kukula ndikusunga zisonyezo zabwino zazachuma, akukumana ndi mavuto azachuma padziko lonse lapansi, komanso kusangalala ndi kuchuluka kwachuma komanso kuchepa kwandalama, kupitilira zofunikira za oyang’anira ndi miyezo yapadziko lonse lapansi. “

Ananenanso kuti zipilala zisanu za phukusi lothandizira zimapereka mwayi wowonjezera kwa mabungwe azachuma ndi mabanki pogwiritsa ntchito ndalama zochulukirapo komanso nkhokwe zazikulu ndikuthandizira makasitomala pamikhalidwe yapaderayi, zomwe zimathandizira kulimbikitsa chuma cha dziko. Analimbikitsanso kudzipereka kwa mabanki ndi mabungwe azachuma kuti athandize makasitomala pawokha komanso mabungwe komanso kupereka chithandizo chamabanki otetezeka motsogozedwa ndi Banki Yaikulu. Anatsindikanso kuti mabanki apanga ndondomeko ndi ndondomeko zoyendetsera zoopsa, kupitiriza bizinesi ndi cybersecurity kuti athe kuthana ndi mavuto omwe angakhalepo.

Emirates … likulu lapadziko lonse lapansi komanso malo otetezeka

Kwa iye, katswiri wa zachuma Khaled Al-Shafii adatsimikizira poyankhulana ndi webusaiti ya “Iqtisad Sky News Arabia” kuti kukhazikitsidwa kwa Banki Yaikulu ya phukusi lothandizira ndi nkhwangwa zake zisanu kuli ndi zizindikiro zozama za “njira yokhazikika” yotengedwa ndi UAE. Iye anafotokoza kuti cholinga chachikulu ndicho kuthandiza kuti kayendetsedwe kazachuma kakhale kokhazikika komanso kuonetsetsa kuti palibe mikangano kapena mavuto omwe amabwera chifukwa cha mmene zinthu zilili panopa m’derali komanso zotsatira zake pazachuma. Economy padziko lonse lapansiKutsindika kuti njirazi zimaonetsetsa kuti ndalama zikuyenda bwino ndikutuluka ndikuziteteza ku kusinthasintha kulikonse.

Dr. Al-Shafi’i adanena kuti kufunikira kwa nkhwangwa zanzeruzi kumachokera ku udindo wa UAE monga “malo akuluakulu” kuti ayendetse ndalama zomwe akufunafuna ndalama zotetezeka, kaya m’mabanki kapena m’magulu a chuma cha dziko. Al-Shafi’i adalongosola chuma cha UAE ngati amodzi mwa malo oyambira komanso malo otetezeka kwa osunga ndalama m’derali, ndikugogomezera kuti njirazi ndizofunikira kwambiri kuti zitsimikizire kuti kayendetsedwe kazachuma ndi kogwirizana ndi zomwe amalonda amafunikira komanso zosowa za msika wapano, pofuna kupewa zovuta zilizonse zomwe zingakhudze mabanki omwe akugwira ntchito mdziko muno.

Mauthenga a chidaliro: luso lapamwamba lolinganiza

Dr. Al-Shafi’i amakhulupirira kuti njira zomwe zatengedwa zimapereka zizindikiro zamphamvu kwa osunga ndalama kunyumba ndi kunja kuti UAE Central Bank imatha kupeza “mayankho ophatikizana” komanso kusamalidwa bwino komwe kumalepheretsa kugwedezeka kulikonse komwe kungawononge makasitomala. Kugwirizana kumeneku pakati pa ndondomeko zoyendetsera kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe kake kuti athe kukopa ndalama zambiri komanso kukula kosatha.

Kwa iye, katswiri wazachuma Hashem Akl, membala wa Board of Trustees ku Middle East Center for Economic Studies, adatsimikiza poyankhulana ndi tsamba la “Eqtisad Sky News Arabia” kuti mbiri yakale yosungira ndalama zakunja yopitilira dirham imodzi thililiyoni imaphatikiza ulamuliro ndi kukhazikika kwa dongosolo lazachuma la UAE m’njira zingapo zazikulu, zodziwika kwambiri ndi izi:

• Kupititsa patsogolo chidaliro ndi kukhulupirika kwapadziko lonse lapansi, monga nkhokwe ya kukula uku kukuwonetsa kulimba kwachuma cha UAE komanso kuthekera kwake kukumana ndi zododometsa zakunja (monga kusinthasintha kwamitengo yamafuta, zovuta zapadziko lonse lapansi, kapena zipolowe zapadziko lonse lapansi). Izi zimapatsa UAE mawonedwe apamwamba angongole ndikupangitsa kuti ikhale malo abwino opangira ndalama zakunja ndi ma depositi.
• Kupereka ndalama zapadera kumabanki. Banki Yaikulu ingagwiritse ntchito gawo lina lazosungirako kuti lithandizire mabanki panthawi yamavuto. Izi zikuphatikiza ma dirham ndi ma dollar, ndikuchepetsa kwakanthawi kasungidwe ndi ndalama zomwe zimalepheretsa mavuto azachuma kapena kusakhazikika kwa banki.
• Kuteteza chuma ku zovuta zakunja. Chifukwa cha mikangano yachigawo kapena kuchepa kwachuma padziko lonse lapansi, nkhokweyo imagwira ntchito ngati “chitetezo” cholimba, zomwe zimalola kulowererapo mwachangu kuthandizira chuma popanda kufunikira kobwereketsa kunja kapena kukweza chiwongola dzanja kwambiri.
• Kuthandizira kusiyanasiyana kwachuma komanso kukula kosatha, nkhokwe zazikulu zimapatsa UAE kusinthasintha kwachuma kuti ithandizire ntchito zanzeru (monga kusintha kwa digito, mphamvu zongowonjezwdwanso, ndi zokopa alendo) osadalira kwathunthu ndalama zomwe zimaperekedwa ndimafuta, zomwe zimakulitsa ulamuliro wanthawi yayitali wazachuma.

Akl adanenetsa kuti nkhokwe yopitilira thililiyoni imodzi si nambala chabe, koma ndi chishango chomwe chimapangitsa kuti dongosolo lazachuma la UAE likhale lolimba komanso lokhazikika mderali komanso padziko lonse lapansi, makamaka munthawi ya… Mavuto a Geopolitical Ndipo zachuma.

UAE ikudzipezera yokha malo pakati pa misika yotukuka