Reserve propensity kuponesa: tsananguro fomura. Cash Mari vemo

Mumwe munhu anounganidza chinhu. Kazhinji, nhasi ndiyo mari. In vanhu rinonzi "ponesa kuti zuva kuchinaya." Tinogona kuramba mari kumba pasi metiresi, uye anogona akaaisa dhipoziti mubhangi. Chero zvazvingava, kana muhoro anobvumira, dzimwe haadi kushandisa. In dzidziso, ichi anonzi "shoma propensity kuponesa." Kokutanga payo isledoval nemabasa ake JM. Keynes. Tichaedza kufunga sei kudanana tichitarisa dambudziko kuchatibatsira vazvionere.

havakwanisi

Ngatitaurei digress zvishoma dzidziso uye fungisisa nei munhu vachida kuponesa. Kuti kukwanisa kuunganidza chinhu, inofanira kuva zvinotevera maviri ezvinhu: wokutanga - zvose zvaidiwa zvinogutswa, wechipiri - kukosha mari kunoita kuti kumbosendeka imwe mari.

Pfungwa dzakadai zvinodyiwa uye kuponesa, zviri pedyo. Havazivi vanomiririra chetezvo, asi isledovanie propensity kuti kuwanda anofanira kunzwisiswa kuti vari chaizvo novimba mumwe.

Kare kwezana remakore rechi20, pane mambakwedza upfumi dzidziso, pakava nokudiwa kuongorora ukama pakati zvinodyiwa uye mari. Wokutanga uyo akatora chikonzero, kwakanga Chokwadi, Keynes. Pfungwa yake inonzi "inokosha mupfungwa mutemo". Uye ndizvo zvaanotaura.

Chokutanga, mumari chavagari hunotsigirwa mari. Mumwe chikamu muzana, vanoti 5% pamusoro kwemari, munhu anokwanisa kumbosendeka yeramangwana. Kana mari kunowedzera, kubva muzana ino siyana insignificantly. It sokuti Hazvitsananguriki. Asi pano anopinda simba pamusoro wepfungwa dzevanhu. The zvakawanda patinokura, ndipo patinonyanya shandisa. Uye mari hamuna kusiya zvimwe zvizhinji. Uye kana Kukura kudyiwa inowedzera zvakaenzanirana mari, mari kukura uchava kukambaira chaizvo, zvishoma nezvishoma chaizvo.

umboo

Kutaura kuti doro rinokura sezvo mari rinobuda, pane nyore chaizvo uchapupu. Somuenzaniso, imwe mhuri pamwe aiwana 6,000 rubles. 2% uwandu ivo kuchengetesa uye navamwe mari inoenda pamusoro siyana mari. Chii unogona kutenga nemari? Kubhadhara Magetsi nemvura, kutenga risingamboshandisi yakatarwa mishonga uye, zvichida, zvose.

mari mhuri vanotanga kumuka. Nechekare mupiro zvachose iri 10 000 rubles. Zvino unogona kutenga nyama yakawanda, enda kune mafirimu kamwe uye kutenga imwe rokwe itsva. Asi mari iri rakachengetedzwa pamusoro mari raizongova chete. Nekuti pakutanga munhu uchasangana zvavanoda, uye chete ipapo kufunga nezvokukosha nemari.

Zvinhu kukanganisa kuchinja zvinodyiwa uye mari

Kuwedzera kana kudzikisa zvinodyiwa uye mari kunotsamira kwete mubayiro kukura. In upfumi kwezvakatipoteredza, pane zvimwe zviratidzo zvizhinji kuti nzira imwe kana mumwe ichachinja mutengi nezvaaikwanisa. Kubva izvi zvinhu, inobvawo pane shoma propensity kuponesa.

1. Mitengo. Achifumira mitengo iri kazhinji yepamusoro zvikuru kupfuura indexation kuti mari. Kazhinji, mitengo pakazvimba iri pamwedzi hwaro, apo mari mhuri vari kumuka dzakawanda kamwe pagore. Saka, mutengi anofanira tipedze mazakwatira kutenga, apo mari mari havachisiri anoramba.
2. Tax kunowedzera. mari kuwedzera zvinotisvitsa Proportional zvinoderedza zvose mari, uye tsika kuunganidza ari tsime.
3. Kuwedzera mitengo. chinhu ichi huchachinja zvikuru avo mhuri vane mari shoma. Avo vanogamuchira yakakwirira mari, achaiswa vanotsaura sezvo zvikuru.
4. Kukura kubhadhara evanhu inishuwarenzi. Ichi chinhu chinofadza zvikuru chinhu. Kakawanda, propensity kuponesa kunoitika apo munhu anonzwa kusachengeteka chikamu mamiriro. The mari inodiwa kana urwere, kufirwa, uye zvichingodaro. N. Kana izvi zvose achapa inishuwarenzi Fund, kudiwa munhu akachengeta apere. Saka, pamwe kuwedzera kuwedzera allocations kuti mumagariro zvinodiwa propensity kuponesa kunodzikira.
5. Growth vaitaura pamusoro pamusika. Izvi kungova yokutengesa chinhu. Kazhinji, pane mufaro mu mishonga panguva yatinenge pakarepo panowanikwa matenda, pandemics uye zvichingodaro. N. With kuwedzera kudyiwa mari vari kuderedzwa.
6. Revenue kukura. Sezvo tatoona, pamwe kuwedzera uwandu mari zvinodyiwa uye rokuponesa uderedze kuwedzera.

pfungwa

In zvoupfumi ezvinhu kuona mari akaita pasi mumwe mari iyo kuna mari remangwana uye kwete kuparadzwa panguva. Propensity kuponesa kunogona kuva avhareji uye shoma.

Paavhareji propensity kuponesa inoratidza chii chikamu yaipedzerwa vanhu kumbosendeka ramangwana, uye kunoratidzwa kuva nzira:

APS = S / Y, apo S - chikamu kuponesawo, uye Y - inopfupikisa zvachose kwemari.

Reserve propensity kuponesa (payakavakirwa) inoratidza kuchinja mumari muzvikamu uye uwandu mari. Mune mamwe manzwi, zvinogona kukuudza sei kuchinja vanhu chido kana kwete kuchengeta mari yavo namaoko, kana yaipedzerwa mari kuchinja:

Dzimwe nhengo dzeParamende = δS / δY.

Kuwedzera nemari shoma mari. Kukosha indekisi ichi panguva nyika yakati sandara zvoupfumi ndiyo chido kuponesa mari, uye saka mukana vanopedzisira zvechokwadi kugadzirwa. Uye ichi ndicho chinhu mubhizimisi kuti, uyewo, zvazvinoita mukuru zvakanaka munyika.

Kuronga propensity kuponesa

The kukosha shoma propensity kuponesa, sezvataona, ndizvo chaizvo hakunei rinodyiwa. The girafu rinoratidza kutsamira pane indekisi chaizvoizvo nevamwe. Funga richiswedera.

The ordinate ichaongororwa kuti uwandu mari, uye pamusoro chinjikira akabatana - kukura nemari. Kana, mune dzidziso, zvose akapedza mari yakaenzana mari, ukama aizova akakodzera pamutsetse necheparutivi pamusoro 45 °. mutsetse uyu ndiye mutsetse AB. Asi ichi hazviitiki upenyu chaihwo.

Direct Kuyera propensity kuponesa, runotaurwa ari mufananidzo maererano nezvitema mutsetse, uye nguva dzose vakatsauka pasi. Isa mharadzano pamusoro - ndiro achitandadza razero mari. Zvinoreva kuti mhuri yose vanogamuchira mari yokushandisa pane zvavanoda. Below ichi mharadzano chikwereti unomuka, uye yakakwirira - nemari. Sezvaunogona kuona, dzakanga mari, kunokonzera shoma propensity kuponesa.

Nedoro mumari zera

Nokufamba hwedu isu kuti mari zvakaenzana. Mune imwe nguva muupenyu hwavo hazvikwani, mune dzimwe pane surpluses. Izvi zviri kuitika zvinogonawo kumiririrwa zvakajeka.

Regai hunyambiri akabatana ndiyo mari, uye zvido zvevanhu - zera. The munyonga rinoratidza kuti munhu mari dzichiwedzera nezera, apo pane zvinenge hapana achiri muduku. Uye ichi ichokwadi.

Kusvikira munhu anodzidza uye ari kuruoko pavaipfuura kunotsvaka basa rake, zveminda ayo diki. Akawanda zviri kupedzerwa kudzidzisa kana pachavo zvavanoda. Sezvo wakura uye kutanga mhuri, iye zvakare anotanga kuwedzera mari, asi somunhu mutemo, akanga atova akagadzirisa yakatsiga mari uye zvinovawo zvakakodzera kuti kunonoka kanenge kwete yakawanda kutenga guru (motokari, musha, vana dzidzo). soro mari yake munhu anogamuchira munhu mukuru, uye ipapo iye otanga kufunga pamudyandigere kuti Kumbomira imwe mari yavo. Rakanga panguva iyi, shoma propensity kuponesa iri kwayo kunonyanyisa, uye ipapo zvakare kupera.

Chiizve unochinja pachiyero nemari

Kune vamwe zvinoita kuti dzisina chokuita mari, idzo kutakura yakawanda kukanganisa pakugona womunhu kuponesa mari yeramangwana.

The chinhu chokutanga - kumirira. Kana paine dambudziko ezvinhu, uye munhu vakamirira munyika nokukurumidza kuti achamuka uye mitengo kuchawedzera mari mabasa, zvichiita kuti Stock zvino, panguva yakaderera mitengo. Kutya chinhu echiShinto uye yakakura mari simba vanhu kushandisa mari yose pano uye ikozvino. Asi, zvinopesana neizvi ezvinhu, kana ramangwana vanotarisirwa tikarega mitengo, kana kanenge pamwero wavo kuchinja, vanhu achaponesa kupfuura iwe shandisa.

Chechipiri chakaita - nevatengi chikwereti. Tiri kurarama munyika ine zvikwereti. Zvino pane kudaro muitiro kuti zvose mumari chavagari angosiya kuva muripo nokuda chigadzirwa kana basa ramangwana nguva. The pamwero avhareji mubayiro hazvikwani kuita chinhu kumbosendeka guru kutenga. Zvinogona kuva makore 10 kuchengetera motokari, asi unogona kuutora nechikwereti, uye ipapo makore 10 kuchibhadhara. Saka, edu chido uye kukwanisa kuunganidza chinhu rava simba mudziyo hwenyika - mbiri.

Propensity kuponesa mu macroeconomics

Pfungwa nemari inokosha chaizvo kwete chete nokuda mumwe navedzimba asiwo nyika yose. Marginal propensity kuponesa anoratidza kana vanhu mukati hurumende inogona nechokwadi kugadzirwa uye kugadzirwa kukura. Zvaizoratidza sokuti unogona chete edza?

Kutaura zvazviri, ari kumusoro kukosha, mari zvikuru vakasununguka mune mumaoko evanhu uye zviri pamutemo masangano, izvo zvinoreva kuti ivo ndivo vanokwanisa makambani. Investments - a mari mari iri nzvimbo inoshandiswa, uye panguva imwe chete ine simba mudziyo kufurira kukura nyika. Mari yakawanda iri paakapiwa mu utsanzi, kwezvinhu utsanzi, uye zvichingodaro. E., The mwero wakakwirira upfumi kukura.

mhedziso

Propensity kuponesa - ichi ndechimwe chezvinhu zvinokosha zvoupfumi zviratidzo, izvo zvingaonekwa akadzidza kwete chete panguva munhu mhuri pamwero, asiwo nokuti nyika yose. The kumusoro ari mamakisi, nani upenyu vanhu.