Indima yezimali eMklamweni Wezezimali wase-Australia

I-Australian Treasurence isebenza njengenkonzo yezezomnotho ephethe isizwe, inomthwalo wemfanelo wokweluleka uhulumeni ngesimiso sezezimali, imithetho yezezimali, nangendlela yokudayisa. Isimiso sayo sibuye sihlele izimo lapho abathengi besebenzelana khona nezinhlangano zezimali nezimakethe nsuku zonke. I-University ayisebenzi ngokuzihlukanisa; ihlanganisa eduze ne-Australian Prudential Regtive Authority (APRA), i-Australian Secialism and Investicementsments Commission (ASIC), kanye ne-Reserve Bank of Australia (RBA) ukuze yakhe i-emperation comment of Reagelivements.

Le nqubo yokukha iqinisekisa ukuthi ukuvikela abathengi nokuzinza kwezentengiselwano akubhekwa njengezinto ezihlukene kodwa njengeziwumgomo oncitshiswe kuhulumeni. Uma i-othernal ihlela isimiso sokuqinisa izindinganiso zokubolekisa, ngokwesibonelo, umphumela obangelwa yizimakethe zokuthenga ngesikweletu, ukukwazi ukuthenga izindlu, kanye nezingqwembe zokulinganisela indlu. Ukuqonda lokhu kuhlangana kubalulekile kunoma ubani ohlola imiphumela yangempela yezezimali.

Ukunakekela Isakhelo Sokuzivikela Kwezentengiselwano

Izinhlelo zokuvikela zabathengi zisekelwe ezinsikeni ezine: imithetho yemikhiqizo, ukuphoqelela ukugcinwa kwemithetho, ukuphikisana, nekhono lemali. Insika ngayinye iqinisa ezinye ukuze zakhe inetha lokuphepha elizivumelanisa nemikhiqizo yezezimali eliya liba yinkimbinkimbi kakhulu futhi ukuziphatha kwenkampani kuyashintsha.

Ukuqondisa Imikhiqizo Yezimali Nezinkonzo Zokubonisana

Umthetho wokwenza inzuzo ngaphansi kwesimiso se-Treasurer Sformation Reformation, ufuna ukuba abagcini bezimali baveze izici eziyinhloko, izindleko, nezingozi elungiselelweni elivamile. Isivumelwano nokunikeza izibopho ( umbuso wokwandiswa, osungulwe ngemithetho ye-ATreal Leatment, ufune ukuba abaxhasi bafake imikhiqizo kuphela kubathengi abayifunayo ngempela futhi babheke imiphumela ngemva kokuthengwa. Ngaphambi kokuba iDDO, abathengi bathathe amakhadi okuthenga ngesikweletu, izinqubo zomshuwalenselo, noma imikhiqizo ngenxa yokukhokhisa ngenxa yemiphumela embalwa yokunga kahle. Izenzo zokugcinwa kwe-ACPricississs ngaphansi kweminyango encithayo, ukubonisa amazinyo efuna abathengisi.

Ukubona ngaphaya kwemininingwane kudlulela ngalé kwezindawo zomkhiqizo ezivimbelayo. I-Ecoferi ingatusa ukuba umfundisi avimbele imikhiqizo ethile engokwezimali ebangela ukulimala kwabathengi. Izinhlelo zesikhathi, ezinye izindlela, nemikhiqizo yemali yokuthenga eshibhile yesikhashana, konke kuye kwabhekana nemingcele noma ukuvinjelwa okuqondile ngemva kokubukezwa kwe-Treeting.

Ukukhokhela Nokukhokhela Okubalulekile

Izibopho zokuboleka ezinomthwalo wemfanelo zihlala enhliziyweni yesivikelo sokuthenga ngesikweleti. Ababolekisi kumele baqinisekise ikhono lomboleki lokukhokha ngaphandle kobunzima obukhulu, bacabangele iholo, izindleko, nezibopho ezikhona. Imali ye-National Consumer Consumer Consertion Protection Act [[FLT: 1] inikeza umthetho wokuvikela izibopho, ophoqelelwa yi-ASIC nge-AC ngokuhlola kanye nemithetho yesijeziso.

Impikiswano yaqubuka phakathi nenkathi engu-2020-2021 lapho uhulumeni ehlongoza izinguquko ezingokomthwalo ezikhokhwa ukuze kusheshiswe ukuqhubekeka okusheshayo phakathi nokululama kwezomnotho. Abagxeki baphikisa ngokuthi izinguquko zazinganciphisa isivikelo; abasekeli babezakunciphisa ukungenwa kwaboboleki abaphansi. Ukuhlehla kokugcina okuyisisekelo okugciniwe kuyilapho kuqinisekisa izinqubo zokulinganisela kwababoleki abayinhloko. Lesi senzakalo sibonisa isenzo sokulinganisela iNdawo yemali kumelwe isenze: ukukhuthaza ukufinyelela kwesikweleta ngaphandle kokumema ukuboleka okuxhaphaza noma ingozi engokwembusweni.

Isinqumo Esiphikisanayo Nemishini Encishisiwe

Lapho kuphakama izingxabano phakathi kwabathengi nezifemu zezimali, i-Mooral ebuyiselwa i-Australian Financial Curvings Authority (AFCA) inikeza inkonzo yesinqumo ekhululekile, ezimele. AFCA isingatha izikhalo mayelana nebhanki, isikweletu, umshuwalense, i-ascanmentation, kanye neseluleko sokutshala imali. Izinqumo zayo zibopha izimboni zezimali ngokwesilinganiso senkokhelo yezigidi ezingu-R3, inikeza abathengi i-electivesss trans-typetion ngaphandle kwemikhalo yenkantolo ebizayo.

I-Moota isebenzisa futhi i- Consumer Protection internate , ehlanganisa ukuhlanganyela ukwaziswa okukhonondayo phakathi kwe-AFCA, ASIC, nezinhlangano zezindaba zikahulumeni. Lobu buhlobo buveza izimpikiswano zesimiso ngaphambi kokuba zisakazeke. Ngokwesibonelo, ukukhononda ngemininingwane eveza isikhawu ezimpikiswaneni zezindleko zomshuwalense kwaholela ekubukezeni kwenqubo yemali yemali kanye nesiqondiso sokulawula ukuqinisa inqubo yokuthengisa kuleyondawo.

Izinyathelo Eziyinhloko Zokufunda Nokusebenzisa Imali

Isivikelo sethengiselwano sisebenza kangcono uma abathengi bengazivikela. Izimali zezimali kanye nokwengamela i- ye-National Campability , ekhishwe nge-Prot ye-MoneySmart elawulwa yi-ASIC. Lelisu lihlasela abafundi besikole, intsha, imiphakathi yama-Instrial, ne-Australia ngempahla elungiswe ngokuhlela imali, ukugcina, ukuphatha izikweletu, nokuphatha izikweletu.

Ukuhlolwa kokwaziswa okuthatha isikhathi eside okuvela ku-Australian Family, Infest and Labour Medias e-Australia (HILDA) Ukuhlolwa [ kubonisa ukuthi ikholerali yokufunda nokubhala emalini kanye nemiphumela emihle yabathengi, kuhlanganise nezinga eliphansi lemali egciniwe egciniwe yesikhathi somhlalaphansi, ukukhohlakala, nokuncishiswa kobuqhetsekile ekukhohliseni. I-fekitha isebenzisa ubufakazi obunjalo ukucwenga izinhlelo zayo zempumelelo futhi yandisa imithombo yezentelekele ezingeni eziqinile.

Ukuchuma Kwezentengiselwano Nokuqondisa Okungokwesayensi

Ukuzinza kwezentengiselwano akukona nje ukungabikho kwenhlekelele; kuwukukwazi ukumelana nezinhlangano zezimali nezimakethe ukudambisa ukushaqeka ngaphandle kokuhluleka. Izimali zisiza ekuzinzeni ngokuklanywa kwemithetho, izimiso zomthetho, nokubambisana neRBA ne-APPA emakhonweni amakhulu.

Ukuhlolwa Kwezingozi Zesimiso Somzimba Nokuhlolwa Kwaso

I-Mooral Treasure ihlanganyela eKomitini yeNkinga yeNkathi , umhlangano wengxenye yesine wezikhulu eziphakeme ze-Money, APRA, ASIC, RBA, ne-Australian Office of Financial Management. Ikomiti iveza ukuvela kokukhokha ngokupha okuphezulu njengokukhokhwa, ukuntenga, noma ukuxhasa imali kwamanye amazwe. Uma izingozi zahlulelwa izinto, i-Stock i-ATrector ingatusa ukusabela kwezeluleko noma ukuqondisa.

Isibonelo esiqinile senzeka phakathi nawo-2010 lapho ukukhula ngokushesha kwenzalo kuphela kanye nokuboleka izikweleti zezindlu kwaphakamisa isixwayiso. I-Moota yasekela ukusungulwa kwe-APRIA amafaksi aboleka imali ebolekwayo athengwayo andayo kanye nezilinganiso zenzalo kuphela. Lezi zinyathelo ezinkulu zathobisa isitolo ngaphandle kokubangela ukuqondiswa okukhaliphileyo, zibonisa indlela ukugada kwengozi ebekwe ngayo ekungeneni okuphumelelayo kwenqubo.

Ukuzilolozela Okuyimisuka Encane

Amathuluzi e-Macroudatec asebenza eduze kokuqondisa okuncane. Uma i-APRA iqondisa ukuphepha nokulunga kwezinhlangano ngazinye, inqubo ye-macroudaletic system ezikhombayo ezimayela namanani ahlukene. Indima yeNdawo yezimali ihlanganisa ukuklama uhlelo lwemithetho lwe-PUPRA ukusebenzisa amathuluzi anjengezikhawu eziphethe izikweletu ezilinganayo, izikweletu zemali ezilingana nenani elifanele, imingcele yemali ekhona, kanye nezinsimbi eziyingozi ezisezingxenyeni.

I-Australia yasungula isithili esiyinhloko esiqinile (CCYB) ngo-2015, ifuna amabhange ukuba aqongelele inhlokomo phakathi nenkathi yokukhuphuka okukhulu kwemali. Inkampani yahlola kakhulu imboni namaqembu abathengi phakathi nomklamo wokulungisa ukuqinisekisa ukuthi isikhawulo semali asisoze sasikwehlisa kakhulu phakathi nokuwohloka kwezomnotho. Uma umqedazwe we-CHOVAD-19 ukhuphukile, u-APRIP APRA wanciphisa i-CYB kusukela ku-1.0% kuya ku-0.0.00%, wakhulula isilinganiso sezigidi zezigidi zezigidi zemali ukuze iqhubeke iboleka. Le nqubo yokulungisa i-Calclicect, yenziwe ngenqubo yemithetho yemali, yasiza ukukhokha imali phakathi nokwe kakhulu kwezomnotho kusukela ekuwohlokeni okukhulu.

Ukusabela Okubucayi Nokungenela

INdawo yezimali isebenza njengemboni eyinhloko yokulungisa ukusabela kwezezimali ezishaqisayo. Phakathi nonyaka ka-2008 i-Global Financial Crisis (GFC), i-Mooral yaklama i- I-APPITIS (FCS) [FLTS]], eqinisekisa ukuthi igcine imali ewuR250 000 kumnini-akhawunti ngamunye. Lokhu kwavimbela ibhange lihamba futhi kwalondoloza ukuqiniseka esimisweni sokubhaka. I-FCS ayizange iqale phakathi ne-GFFC, kodwa ukuba khona kwalo nje okupholileyo kanye abagcini bemali kanye nabangenisimali.

Muva nje, izinhlelo zeKoolenti Zokusekela ngokuyinhloko kunezezimali ezizinzileyo, bavimbela imicimbi yasekhaya enganciphisa izitembu zebhange. I-Mooker yaveza izilinganiso ezihlukahlukene futhi yanquma ukuthi ukusekela okuqondile kwemikhaya kungalondoloza kokubili inhlalakahle nokuzinza kwemali ngokuphumelela kakhulu kunokusetshenziswa kwebhange kuphela.

Imiphumela Engokomnotho Neyokuthenga: Ithonya Elilinganisiwe

Ukuhlola ithonya lezimiso zezimali kudinga ukubheka kokubili izimpawu zezomnotho ezihlangene nokuhlangenwe nakho komthengi ngamunye. Isimiso sezezimali sase-Australia savela ngokuqhathaniswa ne-GFC ngokungenangozi uma kuqhathaniswa ne-United States neYurophu, ikakhulukazi ngenxa yokuthi izimiso zezimali zilondoloze izindinganiso eziqinile zokubolekisa nezimfuneko zenhlokomo yemali phakathi nokwanda okungaphambili. World Economic Forum' Development Report[ ngokuqhubekayo i-Australia iphakathi kwamazwe amahlanu aphezulu ngenxa yempumelelo yezezimali nesivikelo.

Kubathengi ngokukhethekile, izimiso zezimali ziye zathuthukisa intuthuko ephathekayo. Inani lezikhalo ezihlobene ne-AFCA ezihlobene ne-AFCA liye lehla kancane kusukela ngo-2019, ngemva kokusungulwa kwe-DDO kanye nezinguquko ezinomthwalo wemfanelo. Izindleko zokulungisa izikweleti zasekhaya, nakuba zikhushulelwe ngezindinganiso zomhlaba wonke, ziye zahlala zilawuleka ngenxa yamazinga aphansi nemikhiqizo yemali ebolekisayo engenziwa ngesimiso esiqinile sezimali.

I- Ezezimali I-Obrigin Incent ibika ukuthi imizamo yokulawula izikweletu esekelwa abathengi abakhokhiwe iholele emiphumeleni engcono emaqenjini angenazisulu, kuhlanganise namaqembu aqalayo e-Australia, abantu abakhubazekile, nalabo ababhekene nobunzima obungokwezimali. Izeluleko zezimali ezigunyaziwe zisiza abantu base-Australia abangaphezu kwekhulu 000 ngonyaka, ukuvimbela ukukhuphuka kwezikweletu futhi ukunciphisa izindleko zezenhlalo zezimali.

Ukushintsha Izinselele Nokushintsha Kwezimiso

Akukho simiso esingahlala siqinile naphezu koshintsho olusheshayo lwezobuchwepheshe futhi kuxazululwe izingozi zembulunga yonke. iNdawo yezimali kumelwe iqhubeke ivumelanisa ukuvikela nokuzinza kwayo ukuze ixazulule izinsongo namathuba amasha.

Ukungasetshenziswa Kwemali Nezokuxhumana

Ukwanda kwemitapo yemali, imikhiqizo ye-digital-pay-parse-parse-parse-parse-parder (BNPL) nemali engcono kakhulu ebekelwe izinselele ezingokwezezimali ezingokwesiko zokubuyisela izindleko. I-BNPL, eyaqala ngaphandle komthetho wokuthenga ngetyala, iye yakhula kusukela kumsebenzi wegumbi lokukhokha isuka kwindlela enkulu yokukhokha esetshenziswa umuntu omdala oyedwa wase-Australia. Izimali zaqhuba ukubukeza i-BNPLL futhi ngo-2023 zamemezela ukuthi i-BNPLL izolethwaliswa ngaphansi komthetho [, ifuna ukuba izikhungozo ezinkulu ezisetshenziswayo ukuba zihlolwe futhi zihambele i-AFCA. Lokhu kususa igebeyikho yokwethelo oluphawulekayo lapho kusavunyelwa.

Ngokufanayo, iNdawo yezimali ihlola indlela yokuqondisa inqubo yama-tempcoin, ama-currecium aphakathi ebhange (CBDC), kanye nama-crypto iplatfot. Umbiko we-Mooth osungulwe wokudweba izimpawu ze-opera ukuze ucacise ukuthi iziphi izinto zemishini ezikhona ezinciphe incazelo yemikhiqizo yezimali futhi ezidinga izisekelo ezintsha zokulawula. Umgomo ukuthuthukisa ukuvela kokushintsha kuyilapho uvimbela ukulimala okungalawulwayo okuye kwabangela ukudayiswa kwentengiswa kwemali ezidayisa izimakethengiso emhlabeni wonke.

Izingozi Zemali Ezincishisiwe Ezibangelwa Isimo Sezulu

Ukushintsha kwesimo sezulu kuletha izingozi zombili ezingokomzimba, njengomonakalo ezimpahlani ngenxa yesimo sezulu esibi, kanye nezingozi zoshintsho, njengokuvaleka kokuchayeka kwamandla ezinto zakudala njengendawo yomnotho edecarbone. I-Moota, ngokuhlanganyela kwayo e Network for Greening the Financial System (NGFS)[FS], kuye kwasekela ukuhlanganiswa kwesimo sezulu esihlolwayo sibe ukuqina kwezimali. I-APPA idinga amabhange amakhulu namakhambi ukuze adalule izingozi zesimo sezulu ezisebenzisa amapulaneti athuthukisi athuthukiswe ekuthintaneni ne-Mooral.

Kubathengi, inqubo yengozi yesimo sezulu isho ukuthi imikhiqizo yomshuwalense ihlale ikhona futhi ifinyeleleka ezindaweni ezithambekele emlilweni, esikhukhuleni noma esishingisweni. I-University isebenza nemboni yomshuwalense ukuze ithuthukise izingozi zokuhlohlwa futhi ihlole izinhlelo zomphakathi zokulungisa izindawo eziphezulu. Ukwehluleka ukuxazulula ingozi yesimo sezulu kungaqeda ekugcineni izimakethe zomshuwalense futhi kushiye imikhaya ngaphandle kwesivikelo esanele.

Ukubambisana Komhlaba Wonke Nokuqondisa

Izimakethe zezezimali zigcwele emhlabeni wonke, futhi ukwehlukana komthetho kudala amathuba okulawula. IMakethe ihlanganyela ngentshiseko ne- Sabial Station Board (FSLT:1]], i- i-Actal Committee on Bank Supergation [], ne-[FLT]ULT] Uhlelo lwezimo ze-Sikhathiliti (IOSCO)[FLT] I-'IFLT] i-'umthelela ezindinganisweni zemali lapho kugcinwa umthetho okhethekile wase-Australia. Isibonelo, izimali zanikela emsebenzini wokuhlela izinqumo zomthetho ezinqamlezi, izikhulu ze-Australia zihluleka ukukhomba i-okheminyango yembulunga yonke ezindaweni ze-Australia ngaphandle kwe-Australia.[FLTB'smaket]

Ukuhlukana kwe-Brreit ye-Prester errojitation phakathi kwe-UK ne-EU, kuhlangene nokukhushulelwa kwemali eyandayo kwe-US, kwenza isimo esiyinkimbinkimbi kakhulu sokuhlela izimiso ze-Australia. I-University kumelwe iqaphe kokubili izinhlanga ezilawulayo kuze kufike emazantsi nakweqise kakhulu okungahlukanisa izimakethe zase-Australia ekugelekezeni kwembulunga yonke.

Iziqondiso Zesimiso Sesikhathi Esizayo Nendlela Engaphambili

Uma sibheka phambili, uhlelo lwezimiso zeNdawo yezimali luyogxila ezintweni ezintathu eziza kuqala ezihlangene: ukujulisa izivikelo zokuvikela zamanani, ingozi yesimo sezulu esiguquguqukayo ekuqondiseni okuvamile kwezezimali, nokugcina ukuzinza esikhathini sokungaqiniseki kwezezombangazwe nesimiso sesayensi yezwe.

Umthetho wezezinombolo uzonwebeka ngaphezu kwe-BNP ukuze ubhekise isinqumo se-algorithism ekuhlolweni kwemali, ukusetshenziswa kokuhlakanipha kokwenziwa ngeseluleko sezimali, namalungelo okungena emataleni ngaphansi kwe Consumer Data Right (CDR). I-Moonter seyandisa i-CDR ku-CDR ebhankini, ivumela abathengi ukuba bahlanganyele imininingwane yabo yezentengiselwano nezindlela zokuthola imikhiqizo engcono. Ukunweba i-CDR ekwandiseni amandla nakusetshenziswa kuyo, ukukhuphulwa kwamandla okuthenga esitolo ezindaweni ezithengisayo nasezindaweni zokubhakela.

Kulengozi yesimo sezulu, iNdawo yezimali ithuthukisa icebo lezezimali elisebenzayo elihlanganisa izimfuneko ezibophayo zesimo sezulu ezivumelana ne-International Sustatability Foundation Board (ISSB) uhlaka, isibopho esiluhlaza sihleliwe, kanye nezisusa zentela zokutshala izimali eziluhlaza. Lezi zinyathelo zijonge ukuqondisa inhlokomfundaze ekuguqukeni kuyilapho zivikela abathengi ekususweni kwemikhiqizo encibilikisiwe eluhlaza nangakhohliswanga kahle.

Okokugcina, ukujezisa okungokomthetho kuzakuhlela ikhono lekota lokungenela ezinkingeni zesikhathi esizayo. Njengoba isikweleti somphakathi sikhuphukile ngemva kwe-COVOID-19, i-Mooral izothembela kakhulu emasebenziseni alawulayo futhi ingabisebenzisi izinhlelo zokulondoloza ukuzinza. Lokhu kubeka umthwalo wemfanelo omkhulu kakhulu ekuklameni kwamathuluzi angokongamele amacropultrial nezimiso zokuvikela ukuvimbela izinhlekelele ukuba zingabi khona, kunokuba zihlanzwe ngemva kwalokho.

Izimiso ze-Ostreliya zezimali zokuvikela abathengi nokuzinza kwezentengiselwano ziye zasuka ekungeneleni okunemiphumela ehlangeneyo, ehlanganisa izinjongo ezifuna izingozi nezingalingani. Kubathengi, lokhu kusho isimiso sezimali esingcono, esibonayo, nesiqine kakhulu kunaseminyakeni eyishumi edlule. Kwezezimali ezibanzi, inikeza izisekelo zokukhula okuqhubekayo endaweni ezungezile eyinkimbinkimbi yomhlaba wonke. Njengoba kuvela izinselele ezintsha, ukuzimisela kwe-Mondaystor ukulondoloza izimiso zayo eziyisisekelo zokukhanya, ukulunga, nokuqina kwemali kuyokwenza ukuba isimiso semali se-Australia siqhubeke sikhonza izakhamuzi zaso kahle.

[[Umthetho:0] Imibono kanye nokufunda okuqhubekayo:[[Umthetho:1]