Chaka chino, ndalama ya crypto, bitcoin, yomwe imatchedwanso "golide yadijito," yawuka kuposa 1000%, koma akatswiri akulangiza kukhala kutali ndi "golide" uyu. Chifukwa chiani?
Malinga ndi ziwerengero za Google Trends, funso lofufuzira "bitcoin" sabata ino linaposa kutchuka kwa mafunso okhudzana ndi banja la Kardashian. Ndalama ya Crypto yakhala yoyang'anitsitsa anthu ochokera konsekonse padziko lapansi.
Bitcoin inayamba mu 2009. Ndiyo njira yoperekera ndalama yomwe imagwira ntchito pa intaneti basi. Mbali yofunika kwambiri ya timango ndizokhazikitsa kwawo, ndiko kuti, mosiyana ndi ndalama zina, siziyendetsedwa ndi banki iliyonse kapena boma.
Nkhumbazi zili ndi anthu omwe amawatcha "ndalama za m'tsogolo", komanso otsutsa omwe akulosera kuti posachedwa ndalama iyi yamakono idzaphulika ngati phula la sopo.
Zina mwa ubwino wa bitcoins ndizosazindikiritsa, kuthekera kwachinyengo kwa wogula komanso ufulu wolamulira ndi kupanikizika kwambiri. Komabe, akatswiri ambiri azachuma akuchenjeza za ngozi zazikulu zomwe zimagwirizanitsa ndi kugulitsa ndalama za crypto. Chifukwa chiani?
1. Kusakhazikika (kusasinthasintha)
Mtengo wa zinyalala ndi wosasunthika kwambiri, ndipo palibe amene anganeneratu kukula kwake kapena kuchepa. Mwachitsanzo, pa November 29, 2017, mlingo wa kusinthana kwa ndalama za crypto wapitirira $ 11,000, koma unagwa kwambiri mpaka 9,000.
James Hughes, katswiri wamalonda pa kampani ya AxiTrader yogulitsa ngongole anati:
"Amalonda ambiri odziwa bwino amadziwa bwino kwambiri, zonse zomwe zikukula mofulumira zimafika mofulumira nthawi ikakwana, ndipo nthawi ino idzafika"
Komabe, ziyenera kuzindikiranso kuti, malinga ndi akatswiri ena, kutentha kwakukulu kwa chiwopsezo kumakhala koopsya kokha chifukwa cha ntchito zochepa, ndipo sikukhudza kuchitapo kanthu kwa nthawi yaitali.
2. Kusadziwika
Chimodzi mwa zifukwa za kutchuka kwa bitcoin ndi kudziwika kwake. Panthawi yomweyi, mwayi wokhala wosadziwika ndi wosayendetsedwa ndi akuluakulu a boma umachititsa kuti crypto ndalama ikhale yosangalatsa kwa anthu amitundu yonse, chifukwa ndizosatheka kufufuza amene ndalamazo zapita. Kupanda chidziwitso chokhudza munthu yemwe mumapanga naye ntchito, kumapangitsa kuti amathawi akhale ndi phwando la ndondomeko ya ndalama zowononga ndalama kapena wogwidwa ndi zigawenga.
Mwacitsanzo, mu 2016, onyoza anatseka makompyuta a dziko la Japan lazaka 50 ndipo adafuna kuti apulumutsidwe dipo la katatu. Dipo linaperekedwa kwa opondereza, koma sanatsegule kompyuta. Sizinali zotheka kupeza achifwamba ndikubwezeretsa zikhomozo.
Mu May 2017, ndalama ya crypto inali pakati pa chidwi cha padziko lapansi, zitatha makasitomala zikwizikwi zitatsekedwa ndi HIV yotchedwa WannaCry. Kwa kutsegula osokoneza ankafuna dipo pokhapokha m'matumba.
N'zotheka kuti ziphuphu zingagwiritsidwe ntchito ndi magulu a zachigawenga kuti azigwiritsira ntchito ndalama zawo. Pankhaniyi, ndalama za crypto zingaletsedwe pazigawo za malamulo ndi mayiko ambiri. Izi zidzachititsa kuti phokoso likhale lakuthwa pa mtengo wa bitcoin.
3. Kusasowa zinthu zakuthupi
"Kwa bizinesi, mafakitale ndi anthu payekha, zingakhale zoopsa kwambiri kuti tigulitse ziwalo zazing'ono, chifukwa ndi njira yokha yomwe siilimbikitsidwa ndi chinthu chilichonse chowoneka, koma ndi chofunika kwambiri"
S.P. Sharma
Mosiyana ndi ndalama, nsomba sizikhala ndi maziko, kotero, malinga ndi akatswiri, sangathe kukhala malipiro athunthu. Ngati ndalama zili ndi chiwerengero cha ndalama, zomwe zimadalira ndondomeko ya boma ndi zisankho za banki yaikulu, kukula ndi kugwa kwa tizilombo sizingayendetsedwe ndi chirichonse ndipo chimadalira pa kuchuluka kwa chakudya ndi zofunikira.
Mavitco sangathe kutchedwa ndalama, chifukwa alibe ndalama ziwiri zomwe zimatha kuyeza mtengo wa katundu ndi kutha kusunga mtengo wawo.
Tangoganizirani izi: Makampani awiri amatha kugula zinthu zogulitsa katundu kuchokera ku dziko lina kupita kumayiko ena ndikuvomereza kuti kulipira katunduyo ndi mankhwala. Zogulitsa zimapita kumalo awo kwa milungu ingapo. Tiye tikambirane kuti panthawiyi mtengo wa mankhwalawa wapitirira kawiri. Kodi makampani oyanjana adzachita chiyani pa nkhaniyi?
4. Palibe njira zabwino zopezera Bitcoin
Monga tafotokozera kale, ndi ndalama zopanda malire mungathe kukhala ozunzidwa ndi kutaya ndalama zonse. Kuwonjezera apo, ziyenera kukumbukiridwa kuti zonsezi-zosamalidwa ndizosasinthika, mwachitsanzo, Kuchotsedwa kwa ngongole sizingatheke, ngakhale mutachita kulakwitsa.
5. Palibe amene amadziwa chomwe chiri
Posachedwapa, mkulu wa ndalama za ku America, JP Morgan, Jamie Daymon, adatchula kuti ziphuphuzo zimakhala zolimba ndipo zimaziyerekeza ndi chimfine cha 1630, chomwe chinayamba kuphulika msika wogulitsa m'misika. Kwa izi, mtsogoleri wamkulu wa Bitcoin-exchanger Zebpay Sandip Goenka anakana kuti Dimon, mwinamwake, sakudziwa kuti zamoyo zinachita kusintha.
Ndiye ganizirani: ngati mtsogoleri wa kampani yaikulu kwambiri ya zachuma sakuzindikira, kodi nzika yamba ingamvetse bwanji izi? Ndipo monga wamalonda wotchuka wa ku America Warren Buffett anati:
"Musamvetsetse, musayang'ane"
Kutetezeka
Udindo wa zinyalala ndi ndalama zina zotchedwa crypto-currencies sizikulamulidwa ndi lamulo. Choncho, kuyesa ndalama zonse mu "golide yadijito" ndizoopsa kwambiri. Wodziwika bwino wazamalonda wa ku India S.P. Sharma ananena izi motere:
"Ngati tigula chinachake ndi khadi la ngongole ndi mapulogalamu, titha kuitanitsa banki ndikupempha kubwezera. Koma ngati munanyengedwa mukamachita ndi Bitcoin, simungathe kubweza ndalamazo "