Basa Revemari Muurongwa Hwemari hweAustralia

Hurumende yeAustralia inoshanda soushumiri hwemari hwenyika, ine mutoro wokupa zano hurumende pamusoro pomutemo wezvemari, mirau yemari, uye gadziriro yemisika. Muitiro wayo unochinja mamiriro ezvinhu ayo vatengi vanobatana namasangano ezvemari nemisika zvinoshanda zuva nezuva. Konquro yeHofisi haishandi iri yoga; inobatana zvikuru neAustralian Prudential Regtive Authority (APRA), Sacerities and Invementsments Commission (ASIC), uye Reserve Bank of Australia (RBA) kuti iumbe chirongwa chokuvarira chisaruso chinozivikanwa seCouncil of Final Leagement.

Iyi gadziriro inovimbisa kuti dziviriro yavatengi nedzikamo yomusika hazvirangarirwi sezvinhu zvinonetsa asi sezvinangwa zvokutsamirana. Apo Veki yezvokutengeserana inoronga muitiro wokutsiga mipimo yokukweretesa, somuenzaniso, muuyo unopfuura nomumisika yechikwereti, mari yokutenga, uye mapepa ewirirano yemba. Kunzwisisa uku kunokosha nokuda kwomunhu upi noupi anonzvera tapuro chaiyoiyo yezvisarudzo zveVhome.

Kuchengetedza Mutengi Kunoitwa Pakutarisira Treasury

Zvirongwa zvokudzivirira zvevezvokutengeserana zvinotsamira pambiru ina: murairo wezvinhu zvinogadzirwa, kudzikamisa, kupesana, uye simba remari. Nheyo imwe neimwe inosimbisa vamwe kuita rutava rwekotsekano urwo runochinjirwa sezvo zvinhu zvemari zvinova zvakaoma zvikuru uye mufambiro wesangano rinochinja.

Kutarisira Mari Nemashandiro Okuratidza Kutarisika

Kudzika mutemo wekubudisa mugadziriro yeTreasurence Reconsole kuraira kuti vatarisiri vemari vazivise mativi makuru, mitero, uye ngozi mugadziriro yakatevedzerwa. Chisarudzo neMisengwa yokuparadzira (DDT), chinotangwa kupfurikidza nemitemo yeTreasurenced Remendment, kunoda kuti vapinyi vapikire zvinhu zvinoda kuvanangwa bedzi kuvatengi vanongoda chaizvoizvo uye vatarisiri miuyo pashure pokutengeswa. Pamberi DDO, vatengi vakagamuchira nguva dzose makadhi echikwereti, miitiro yeinishuwareji, kana kuti zvigadzirwa nemhaka yokuti vapiwisi vemibato veTSCP yakatarisana nemiringidzo mishomanene yeDDO vakatoo yokushamba. Zviito zvokutanga zvakatongengengedzerwa kumanikidzwa kumari huru kumari inopfumisa mitengwa yazvo, kuratidzira matengi.

Kujeka kunopfuura kuziviswa mumasimba anorambidzwa. Treasurey inogona kurumbidza kuti mufundisi arambidze zvinhu zvakati zvemari zvinoparira kuvadziko yakapararira. Zvirongwa zvenguva inoparwa migove, zvimwe zvisarudzo zviviri, uye zvinhu zvechikwereti zvenhambo pfupi zvakatarisana neganhuriro dzose kana kuti zvirambidzo zvakananga pashure pehwirudzuro dzeTreasury.

Kubhadhara uye Kudzosera Mari

Misengwa yokukweretesa ine mutoro inogara pamwoyo pedziviriro yechikwereti. Vakwerete vanofanira kusimbisa mano omukwereti okutsiva pasina nhamo huru, vachirangarira mari, ndyiko, uye misengwa iripo. Kosheti yeNational Consumer Consumer Conquetion Protection Act Act inogovera chitemo chemitemo nokuda kweizvi zvisengwa, chinomanikidzirwa naASIC nemasimba ezvirango.

Gakava ramuka mukati menhambo ya2020-2021 apo hurumende yakakarakadza chinjo dzinopa mutoro dzokuwedzera kukurumidza kufambiswa kwechikwereti mukati mokunaya kwezvemari. Vatsoropodzi vakarangarira chinjo dzacho dzaizonetesa dziviriro; vatsigiri vakarwisana vaizoderedza rwisano nokuda kwavakwereti vemari yakaderera. Kubvumirana kwekupedzisira kwakachengetwa kwemisero yemisengwa apo kunenge kuchibatanidza miitiro yokusimbisa nokuda kwavakwereti vakuru. Ichi chiitiko chinoratidzira kuita chiito chokudzikamisa chevesa chemari inofanira kuita: kukurudzira kusvika kwechikwereti pasina kukumbira kukwereta kana kuti ngozi yegadziriro.

Chisarudzo Chokusawirirana uye Kuderedza Michina

Apo gakava rinomuka pakati pavatengi namafemu ezvemari, shoo yePrecial Australian Financial Cleasts Guendment (AFCA) inogovera basa rechisarudzo rapachena, rakazvimirira. AFCA inobata nhevedzo pamusoro pebhangi, chechikwereti, inishuwarenzi, shefu, uye zano remari. Zvisarudzo zvayo zvinobatanidza mafemu emari kusvikira kumibhadharo ye $2,1 000 000, rinopa vatengi nzira chaiyoiyo yezvipo pasina kudzosokororo dzedare rinodhura.

Dare rinoshandisawo Consumer Protection internicaship, inotsinhiranisa kugoverana mashoko okunyunyuta pakati peAFCA, ASIC, uye masangano ehurumende enhau dzehurumende. Uku kushandira pamwe kunozivisa nhau dzegadziriro yegadziriro isati yapararira. Somuenzaniso, kunyunyuta mashoko anozivisa chiverengero chikuru mukakavadzano dzeinishuwarenzi yeinishuwarenzi kwakatungamirira kugadziriro yemiitiro yemari yedzoresaidzo nenhungamiro yapashure yokusimbisa miitiro yokutengesa mumusika iwoyo.

Kutanga Kugona Kuverenga Nokunyora uye Kukwanisa

Kudzivirira kwemutengi kunoshanda zvakanakisisa apo vatengi vanogona kuzvidzivirira vamene. Mari yeTreasury netarisiro ye [FLT: 0] Sategy yeNational Financial Campability [[FLT: 1], inopiwa kupfurikidza nechikuva chakazvimirira cheMoneySmart chinoshandiswa naASIC. Iyi gadziriro inonangidzira vadzidzi vechikoro, vakuru vaduku, nzanga dzeInvory, uye vaAustralia nepfuma inogadzirirwa mari pakuronga mari, kuchengetedza, kudzora zvikwereti, uye kudzosera.

Nzvero refu inobva ku Mhuri yeAustralian, Infeance neLabour Metals muAustralia (HILDA) Sundo yeHhendo yemari [ inoratidzira kuti kunyora nokunyora nokunyora nokusimbisa zvakasimba nemigumisiro yakanaka, kubatanidza mwero yakaderera yemari yakachengetwa yakaderera yapamudyandigere, mari yakachengetwa yakakwirira zvikuru kurukutika, uye kuderera kwengozi kuunyengeri. Dare rinoshandisa ufakazi hwakadaro kuvandudza mapurogiramu aro okubudirira uye kuisa mitengo kumibato yakaenda kumibato yakabudirira netapukuro yakabvumikiswa.

Kubudirira Mune Zvokushambadza Kunofambira Mberi uye Kuongorora Macroud

Kubudirira kwezvokutengeserana hakusi kungoshayikwa kwenjodzi chete; kugadziridzwa kwemasangano ezvemari nemisika kuderedza kuvhunduka pasina kukundikana.

Kuongorora Nokuongorora Kupinda Mumuviri Nengozi

Dare rinoita rutivi muDare reNjodzi yeProject yeTsima yeProject, musangano wezvina wavakuru vakuru kubva kuTreasurence, APPA, ASIC, RBA, uye Office yeAustralia yeMaricial Control. Dare rinozivisa mijekiseni iri kukura yakadai sekukweretesa kwakakomba, kukanganisa mutengo, kana kuti mari yokumwe. Apo ngozi dzinotongwa zvinhu, Dare reSangano reSayenzi rinogona kurumbidza pamutemo kana kuti kuita chimwe chinhu.

Muenzaniso wakakongiri wakaitika pakati pama2010 apo kukura kwokukurumidza mumubereko bedzi uye mutengi wedzimba kwakamutsa alamu. Treasur yakatsigira kutangwa kwemapepa echikwereti chechikwereti chebhendi aikwereteswa ayo aidzorwa nemwero yemhindu bedzi. Iyi mipimo mikuru yaidzikamisa musika wedzimba pasina kunyandura ruramiso yakakomba, inoratidzira kuti kunzvera ngozi yengozi kwakashandurwa kuva gadziro inobudirira.

Kudzokorora Kuitwa Kwemacroudism Murovedzo

Macroudial microudial shopu inobatira pamwe netarisiro. Apo APRA inotarisira kotsekano nenjere dzemasangano mamwe namamwe, miganhu yemiitiro yemacroudate yezvipfuro zvegadziriro yavose. Basa reTreasurendi rinobatanidza kugadzira gadziriro yemitemo inoita kuti APUPRA ishandise zvishandiso zvakadai sezviteshi zvezvikwereti zvinopesana, chikwereti cheheshi yemipimo yemari, miganhuro yechikwereti, uye zvikwidzo zvengozi yemakambani.

Australia yakatanga chitsama chezvikwereti zvemari (CCYB) chirongwa muna 2015, ichida kuti mabhangi aunganidze dzimbahwe mukati menhambo dzokuwedzera kwechikwereti kwakawanda. Komishinari yakatsvaka zvikuru neindasitiri namapoka athengi mukati meda kuvimbisa kuti muteshi waisazoganhurira zvisina kufanira kukweretesa mukati medzikwa. Apo CHOVAD-19 denda rakarova, APRIP APA yakaderedza CYB kubva pa 1.0% kusvika 0,0%, ichiita kuti rive ringaripi mabhiriyoni $30 okuripira mari inopfuurirwa nokuda kupfuurira. Iri basa rokuripira mari, rikagoneswa negadziriro yeCM.

Kuda Kuchinja Kwokutambura uye Kupindira

Bhezi rinobatira semugadziri mukuru wezvibvumikiso zvemari kukatyamadzo dzemari. Mukati meGlobal Financial Crisis (GFC), Treasurer yakaronga Mari yeIndaneti yeCS (FCS), iyo inovimbisa kuti inochengeta mari ye $50 000 pamunhu mumwe pasangano rimwe. Iyi inodzivisa bhangi kupinda ndokuchengeta chivimbo mugadziriro yebhangi. FCS haina kutongotangwa mukati meGFC, asi kuvapo kwayowo zvako kunonyaradza vachengetedziri uye madhiro.

Misi ichangobva kupfuura iyi, purogiramu dzeTreasurence Yakadzorwa panzvimbo pezvishandiso zvemari, yaidzivisa nhevedzano yezvakashata zvemhuri izvo zvingagona kuva zvakaderedza mativi ebhangi. Mutengi wakaratidzira zvikamu zvemari pachikero chisina kumboenzana. Nepo izvozvi zvakanga zviri zviteshi zvemari zvinotsigiswa panzvimbo pezvishandiso zvemari, izvo zvakadzivisa nhevedzano yezvakashata zvemhuri izvo zvingagona kuva zvakaderedza mativi ebhangi akapfambiso dzakasiyana- siyana uye zvakatsunga kuti tsigiro yakananga kuti mhuri dzaizochengetedza zvose zviri zviviri garikano nedzikano yemari inobudirira inobudirira inopfuura kudzorodzoresa.

Migumisiro Yezvemari Neyemutengi: Zvinotapura Zvakaedzerwa

Kunzvera tapuro yemitemo yeTreasure reTreasure kudikanwo dzose dziri mbiri zviratidzo zvemari nezvinoitika zvomunhu oga. Gadziriro yezvemari yeAustralia yakabuda muGFC isina kukuvadzwa zvikuru zvichienzaniswa neUnited States neEurope, zvikurukuru nemhaka yokuti miitiro yeTende yakanga yachengeta mipimo yetsanga yetsika nezvinodikanwa zvemari zvakatsiga munhevedzano yapamberi pezvi. World Economic Forum Development Report nguva dzose] Australia iri pakati penyika shanu dzapamusoro nokuda kwedzikamo yemari nedziviriro.

Nokuda kwavatengi zvakananga, mitemo yeTreasury yakabudisa vandudziko dzinooneka. Nhamba yenyunyuto dzine chokuita nechikwereti dzakaiswa neAFCA yakaderera zvishoma nezvishoma chifo cha 2019, pashure pokutanga kweDDO nokuchinja kwokukosha. Ndyiko dzemhuri, nepo dzakwidziridzwa nemipimo yamarudzi ose, dzakaramba dzichitarisirwa nemhaka yemwero yakaderera uye miuyo yechikwereti yakaderera yakaitwa kuti ibvire negadziriro yemari yakatsiga.

Mari yeRegional Center inoshuma kuti nhamburiko dzokutsigira pamutemo dzinotsigirwa nomufananidzo wevezvokutenga dzakatungamirira kumigumisiro iri nani nokuda kwamapoka asina kudzivirirwa, kubatanidza Marudzi Okutanga eAustralia, vanhu vakaremara, uye avo vari kuva nenhamo yemari. Mitengo yemari inopfuudzwa inobetsera vaAustralia 100 000 gore negore, ichidzivisa chikwereti chinowedzera nokuderedza ndyiko dzenzanga dzenhamo yemari.

Kuchinja Zvinetso Zvinovapo

Hapana gadziriro yemitemo inogona kuramba iripo mukutarisana nechinjo yokugadzira zvinhu inokurumidza uye kupedza ngozi dzenyika yose.

Kutadza Kushandisa Mari Nemadhigirii

Kukwira kwemitengo, kutenga zvino-hayi yakazotengwa (BNPL) zvinhu, uye mirau inodzorwa zvakanaka yemari inodenha mapoka etsika. BNPL, iyo yakavamba kunze kwehurumende inopa chikwereti, yakura kubva panzvimbo inobhadharwa kusvikira kunzira huru inoshandiswa nevakuru veAustralia. Komishinari yakatungamirira kuhwirudzura kwakawanda kweBNPL uye muna 2023 yakazivisa kuti BNPL yaizounzwa pasi pe [ Act , ichida kuti zviteshingidzo zvisamariso zvinoshandiswa kunzvera uye zviri zvapamutemo zveAFCA.

Nenzira yakafanana, Treasure iri kunzvera kubatwa kwemiitiro yezvigadzirwa zvemasero, mari yebhangi yemadhigirii epakati (CBDC), uye crypto facet platifom. Mushumo weTreasuro wakaitwa pamusoro pemishumo yezviratidzo kuti itsanangure kuti ipfuma ipi yemichina inowira pasi perondedzero dziripo dzezvigadzirwa zvemari uye inoda magadziriro matsva okugadzira zvinhu. Vavariro ndeyokusimudzira kuvamba apo vanodzivisa kuvadziko dzakatambudza vatengi inotambudza shambadziro dzisina kudzorwa mumitezo munyika yose.

Ngozi Dzemari Dzakavharwazve Nemamiriro Okunze

Chinjo yomugariro wokunze inopa zvose zviri zviviri njodzi dzomuviri, zvakadai sekuvadziko kuzvinhu kubva kumugariro wokunze wakakomba, uye ngozi dzechinjo, zvakadai sokuvakwazve kwecheturano yemafuta anocherwa muvhu sedecineses. Treasurence, kupfurikidza nokutora rutivi kwayo mu Panet for Greening the Financial System [NGFS] , yakatsigira kubatanidzwa kwenzvero yezvinoitika zvemamiriro okunze kuva mamiriro okudzikamisa kudzikamiswa kwemari. APPA zvino inoda mabhangi makuru namarefiti kuti azivire ngozi dzokushatsa mamiriro okunze anoshandisa mamiriro okunze anowedzera mukukurukurirana nePrejime.

Kuvatengi, muitiro wengozi yemamiriro okunze unoreva kuti zvinhu zveinishuwarenzi zvinoramba zviripo uye zvichibvira munzvimbo dzinoda kutsva, mafashamo, kana kuti dutu. Treasu iri kushanda neindasitiri yeinishuwarenzi kuvandudza njodzi nokunzvera zvirongwa zvehurumende zvemikana mikuru yenzvimbo. Kukundikana kugadzirisa ngozi yemamiriro okunze pakupedzisira kungabvisa mamiriro okunze ndokusiya mhuri dzisina dziviriro yakakwana.

Kubvumirana Kwenyika Yose uye Kuronga Kutungamirira

Misika yemari inoita nyika yose, uye kukamukana kwemitemo kunoparira mikana yokutungamirira. Treasurer inobatana nokushingaira ne Salciality Board (FSFL:1], , Dare reBank Superfectal], uye Mitengo yeSacurities Commissions (OSCO)[FLT] yeILT] kukuvadza mipimo apo inochengeta muitiro chaiwo weAustralia. Somuenzaniso, mari yakabetsera kubasa basa padzo-mazatiko, kusimbisa kuti zviremera zveAustralia zvishake mhepo zvishake pamutemo munyika yose.

Kupesana kwepashure peBreinpit kuri pakati peUK neEU, kwakabatanidzwa nokusawirirana mune zvemari kweUS, kunoparira mhoteredzo yakaoma zvikuru nokuda kwokushandira pamwe kwemitemo yeAustralia. Dare rinofanira kudzivisa mirau yose iri miviri inodzorwa kusvikira kumitemo inodzorwa neinonyanyoganhurira ingagona kuparadzanisa misika yeAustralia mudenderedzwa redzimbahwe renyika yose.

Nhungamiro Dzomutemo Dzomunguva Yemberi Nenzira Zviri Mberi

Achitarira mberi, purogiramu yegadziriro yeTreasury sezvingabvira ichanangidzira ngwariro pazvinhu zvitatu zvakabatanidzwa zvokutanga: kukudza dziviriro dzemichina dzinoshandiswa, ngozi yemamiriro okunze okunze akadzikama kuva mirau yezvemari, uye kuchengeta dzikamo munguva yokusava nechokwadi kwezvamatongerwe enyika uye kudzvinyirirwa kwenhau dzepasi.

Kudzikamiswa kwemitemo kuchawedzera kupfuura BNP kuti ikurumidze kunyora zvisarudzo zvemari yechikwereti, kushandiswa kwouchenjeri hwokuisia muzano remari, uye kodzero dzemitengo pasi pe Consumer Data Right (CDR). Komendi yakatokudza CDR kukambani yechikwereti, ichibvumira vatengi kugoverana mashoko avo okutenga nemativi echitatu ebasa kuti vawane zvinhu zviri nani. Kuwedzera CDR kusimba neinishuwarenzi kuchatevera, simba rinowedzera rokutenga nokutenga nokutengesa nokutengesa.

Pangozi yemamiriro okunze, Treasure iri kutanga nzira yemari inoshanda inobatanidza zvinodikanwa zvekuzivisa mamiriro okunze zvapamutemo zvinowiriraniswa neInternational Sustatability From Board (ISSB) chirongwa chemibatanidzwa yegirini inoiswa muruvara, uye zvikarakadzo zvemitero nokuda kwokutengwa kwemari yakasvibira. Iyi migariro inovavarira kuendesa dzimbahwe rakavanzika kukuchinja apo inodzivirira vatengi kubva mumitengi inochekerwa yegiri inodzo inotsigirwa nezvinotsigirwa zvisina kufanira.

Pakupedzisira, chirango chemari chichaumba mano evezvokupindira munjodzi dzenguva yemberi. Nechikwereti chavose chakwidzwa pashure peCOVID-19, shopu ichavimba zvikuru nezvishandiso zvinodzorwa uye zvishoma pakupedza mapurogiramu kuti ichengete kuterama. Uku kuisa mutoro mukuru pakugadzirwa kwemidziyo yemakemikoro nagadziriro dzedziviriro dzavatengi kudzivisa njodzi kuitika munzvimbo yokutanga, panzvimbo pokuchenesa pashure.

Mitemo yeNzvimbo yeUnion yeAustralia pamusoro pedziviriro yavatengi neteramo yemisika yakabva mutengi inopinza mamiriro ezvinhu akabatana kuva zvinangwa zvinobatanidza zvinoparira ngozi nedzikamo zvinokwikwidzana. Kureva kuti, izvi zvinoreva gadziriro yemari inoyera, inopenya zvikuru, uye inosimba zvikuru kupfuura zvaikaita makore gumi apfuura. Kuwedzera kwezvemari, inogovera nheyo dzokukura kunotsigirwa mumhoteredzo yenyika inovangamuka yakaoma zvikuru. Sezvo zvinetso zvitsva zvinovapo, kuda kwevengidzani kugadziridza nokuchengeta nheyo dzayo dzayo dzokujeka, kururama, uye kutsiga kuchatema kana tsika yemari yeAustralia ichipfuurira kubatira vagari vayo vayo vayo.

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