Imibiko emibili yakamuva yokuhlaziya ikhombisa ukuthi imboni yodonga edidiyelwe ingene esikhathini sokuthuthuka ngokushesha ngenxa yomjikelezo omusha wokuvuselela inqubomgomo yezindleko, ukubuyiselwa kwesidingo, ukugcwala ngokweqile nezinye izici.Njengamanje, isabelo semakethe sodonga oluhlanganisiwe sesifinyelele ku-40%, futhi kusekhona cishe u-30% wendawo yemakethe.Njengamanje, kunabakhiqizi bodonga abahlanganisiwe abangama-570 abasungulwe ezweni lonke, futhi sekukhona abangama-67 e-China, nesabelo esiphelele esingaba ngu-50%.
Ukuthengiswa kwemboni yodonga oludidiyelwe kazwelonke kulo nyaka cishe kungama-yuan ayizigidi eziyizinkulungwane ezingu-67.5, inzuzo yokuthengisa ilinganiselwa ku-6 billion yuan, kanti izinga lokungena lilinganiselwa ku-62%.Ngokusho kwedatha, ngesikhathi se-"Double Eleven", kulindeleke ukuthi ukuthengiswa kwamaphaneli odonga ahlanganisiwe ngoNovemba kuzofinyelela cishe ku-36.5 billion yuan.Uma kunjalo, ukuthengisa ngesikhathi se-"Double Eleven" kungase kufinyelele ku-18 billion yuan.Ihlanganisa kakhulu imali engenayo yokuthengiswa kwebhodi, imali engenayo yomhlobiso, izindleko zabasebenzi, kanye nezindleko zokuzenzela wena.Nakuba izindleko zinyusiwe, ziphinde zandisa inani elithile lenzuzo yokuthengisa.Ekuhlelweni okuphelele kwemboni yodonga oludidiyelwe e-Chengdu, umgomo wokuthuthukiswa kodonga oludidiyelwe ukuba uhlakaniphe, futhi kuyadingeka ukusebenzisa ngokugcwele inkambiso yokuvuthwa kwesikhathi esizayo elethwa umjikelezo omusha wamamajini enzuzo ephezulu.Njengamanje, kunezinkampani ezingaphezu kwe-120 odongeni oluhlanganisiwe olumboza imakethe ye-inthanethi, futhi inkampani isivele isebenza cishe ngama-400.
NgoFebhuwari walo nyaka, kuzoba namashumi ezinkulungwane zezinkampani, okuhlanganisa amaphaneli odonga ahlanganisiwe e-CSG, izinkampani ezithengiswa minyaka yonke zamayuan angaphezu kwezigidi eziyizinkulungwane ezingu-50 ezingodolweni zaseChina, abagqugquzeli bezinkampani kanye nabasebenzi benkonzo yokumaketha.Ngaphezu kwalokho, silindele ukuthi isivinini sokuthuthukiswa ku-inthanethi nokungaxhunyiwe ku-inthanethi ngo-2019 sifinyelele cishe ku-30%.Ukwenziwa lula kwezakhiwo ezithengiswayo ezingaxhunyiwe ku-inthanethi kuhlukanisiwe futhi akukhethekile ngesikhathi sendabuko esingu-2.0.Lokhu kuphinde kwavusa umkhuba wokwanda kwesidingo.Isilinganiso sokukhiqizwa kwezindonga ezihlanganisiwe siye saba sikhulu futhi sikhulu, futhi inani labakhiqizi liye landa.Ngokuqhubekayo, kuthinta ukuncintisana kwemboni yodonga oludidiyelwe ngokwezinga elithile.Njengehange lokuqukethwe, abalandeli balayisha izindaba ezintsha ngakolunye uhlangothi, futhi babambe iqhaza ekuthuthukiseni ulwazi olungaxhunyiwe ku-inthanethi ngakolunye uhlangothi.Ingxenye yabalandeli endaweni eyinhloko yedolobha laseChengdu icishe ibe yi-10%, kanti isikhathi sokulayisha abalandeli endaweni yasemadolobheni sikhule sisuka kwabangaphezu kuka-5,000 ngo-2015 saya ngaphezu kuka-5,000 ngo-2018 eminyakeni eyi-11 edlule, kodwa izinga lamanje lokukhula yenani eliphelele Ayikafinyeleli esikalini sokukhula okusheshayo, ingasaphathwa eyokuthuthukisa amabhizinisi aku-inthanethi nangaxhunyiwe ku-inthanethi.
Ngokuthuthuka okusheshayo kwezindonga ezihlanganisiwe e-Chengdu, isimo esizayo sokuhlinzekwa kanye nesidingo sizoshintsha ngokufanele.Isimo salo nyaka sokuhlinzeka nokufunwa sizokhululeka kakhulu kunonyaka odlule.
Ngokusho kwabahlaziyi bezimboni, ngakolunye uhlangothi, udonga oludidiyelwe lwangonyaka ozayo luzobhekana “namalungiselelo amahlanu” okwethulwa, imikhiqizo emisha, ukungena emakethe, nokufika ezitolo.Lokhu kubonakala ekuthuthukisweni kwedolobha lonke laseChengdu kulo nyaka, okuhambisana nentuthuko eqhubekayo nokukhula kweChengdu.Ukwenziwa ngcono komnotho waseChengdu kufinyelele umgomo wokuthuthukisa “isakhiwo esikhulu + amabhizinisi amancane naphakathi”.Ngaphezu kwalokho, njengoba imboni yodonga oludidiyelwe e-Chengdu isesesimweni sokungahlelekile, izinkampani ezikhiqizayo ngempela zibhekene nengcindezi yokuncintisana ekuthengisweni, okuzoba nomthelela omkhulu ekuhlinzekeni ngempahla nasekuthuthukisweni kwezimakethe.Njengemboni yokuhlobisa edidiyelwe.
Lapho uchitha usuku olumatasa, into ejabulisa kakhulu ukujabulela isikhathi sakho siqu usekhaya.Izigcawu eziningi zabantu zihlobene negumbi lokuphumula.Irekhoda umkhondo wezenzo zethu eziningi futhi iqukethe zonke izingcezu nezingcezu zempilo.Igumbi lokuphumula elibukeka kahle alihlobisi indlu kuphela, kodwa futhi lingumthwali omuhle wendlela yokuphila ethokomele.
Ngemva kwemvula yemvelo, ukuthungwa kushintsha njalo.Ukuthungwa kwemabula okufunwa kakhulu ngokungangabazeki kunguzakwethu wokuhlobisa onokwethenjelwa wengemuva legumbi lokuphumula.Amaphaneli odonga ahlanganisiwe ka-Merrill Lynch amunca ukwakheka kwamatshe futhi awahlanganise nezinto ezihlukene nemibala ukuze athuthukise ngokushesha ikhwalithi nesitayela segumbi lonke lokuhlala.
Akukhona nje okusanhlamvu kwamatshe, kodwa futhi okusanhlamvu kwezinkuni, umbala oqinile, insimbi, njll., izakhi zokuhlobisa ezijwayelekile zendlu yesimanje zingabonakala endaweni eyodwa.Lona ubuhle obunikezwe amaphaneli odonga ahlanganisiwe we-Merrill Lynch.
Phambili ekwakhiweni kwemfashini, okusekelwe ezidingweni zomuntu ngamunye zokuhlaliswa kwabantu okuhle, imodeli kanye nesistimu yokukhanyisa kusetshenziswa ngendlela efanele ukuze kubhodlozwe udonga olungenalutho futhi kubonakale ubukhulu obubonakalayo obukhangayo.
Udonga lwangemuva lwephaneli yodonga oludidiyelwe luyaqhubeka nokuphishekela ikhwalithi ephezulu empilweni, futhi lufaka ukungezwani okusha okuvezayo ekuphileni kwansuku zonke.Imininingwane ibonisa ubuhle obuhlukahlukene bobuciko.Ukuqoqwa okufushane kanye nezinga eliphezulu kuveza isipiliyoni esimsulwa sesikhala-injabulo nokunethezeka, ukuze abantu abasemkhathini bakwazi ukukhulula konke ukukhathala.
Noma nini, umhlobiso wesikhala awuveli kuphela kwisitayela sobuhle, kodwa futhi nesimo sengqondo sokuphila okuzolile.Kufanele sakhele impilo engcono esikhathini esizayo futhi sakhe indawo enhle lapho singazola khona.
Isikhathi sokuthumela: Jul-16-2021