Thola ulwazi ku-Profile, History, Opportunities and More
I-Merrill Lynch iyinhlangano enkulu ehlanganisiwe yezinsizakalo zezezimali , ezitholwe yiBanki of America ngo-2008. Imigqa yayo yebhizinisi ihlanganisa:
- Izinsizakalo Zezezimali
- Izinsizakalo zeBhange
- Ukuphathwa Kwezimali
- Ukubhankwa kwezimali
- Ukuhweba Kwezokuphepha
Ukuvuleka kweJobe: Bona lolu hlu lwemisebenzi evuliwe eMerrill Lynch.
Usayizi: I-firm is enkulu kunazo zonke ezimbonini, ngobubanzi obubanzi, kufaka phakathi:
- Abacebisi bezezimali = abangaphezu kuka-15 500
- Abacwaningi bokucwaninga = ngaphezu kuka-700
- Impahla kuma-Akhawunti Akhasimende = $ 2.5 trillion
- Imali engenayo ngumeluleki wezezimali = cishe i-$ 1 million
Lezi zibalo zinjengokuphela konyaka we-2014. Imali engenayo ngumeluleki wezezimali yenza Merrill Lynch umholi wembonini kule nqubo yokukhiqiza.
Umlando Nemikhuba Yomphakathi
Sekuyisikhathi eside i- Merrill Lynch Principles ikhonjiswe njengesitatimende somodeli samanani namazinga ezinkampanini, kanye nefasitela elinokwethenjelwa emkhakheni wenkampani, emashumini eminyaka adlule. Ngonyaka ka-2010, ukuqaliswa kweMerrill Edge kwamelela ukukhokhwa kwemali yokuqala yokuqashisa.
I-Merrill Lynch Global Wealth Management (MLGWM) yi-division egxila kumakhasimende aphezulu aphezulu anenani elingaphezulu kwamaRandi ayizigidi ezingama-250,000 ezilinganisweni ezibekwe imali. Ngokusho kwezincwadi zenkampani, linikeza "isipiliyoni esiphakeme kumakhasimende othintekayo."
Positives
Imigqa ephelele yebhizinisi neyomhlaba wonke inikezela ngamathuba amaningi emisebenzi, okubandakanya amathuba okuthola ulwazi emikhakheni eminingi embonini.
Idumela layo elide njengomholi wemboni yenza ukuvakasha komsebenzi lapho kuthuthukiswe kakhulu ekubuyiseleni kwakho, uma kamuva ufuna izinketho zomsebenzi kwenye indawo.
Ngaphambi kokulimala okuqala cishe ngo-2001, uMerrill Lynch wayenomlando omude njengonjiniyela onguNdunankulu wabacebisi bezezimali abasha, nehlelo elikhulu lokuqeqesha elihlonishwa kakhulu.
Kodwa-ke, eminyakeni yamuva i-firm iqalile ezinye izinhlelo zokuqasha nokuqeqesha abaqeqeshwayo basekolishi njengabacebisi bezezimali.
Ama-Negatives
Ukulahleka kwezimali zamadola ezigidigidi nezigidigidi ngonyaka ka 2007-09 kwaqeda inzuzo engama-2-3. UMerrill Lynch uye waba nokuhweba ngokweqile emisebenzini eminyakeni engamashumi amabili edlule, kanti umsebenzi ophelele uhamba phakathi kwamathanga angaba ngu-40 000 (ngo-1987 no-2003) kanye nokuphakama kwabasebenzi abangaba ngu-60 000 (ngo-2001 no-2007). Ukuthengwa kweMerrill Lynch yiBhange laseMelika kuye kwasusa isikhundla sezimali salenkampani kodwa kwashiya imibuzo mayelana nesiqondiso sesikhathi esizayo. Esinye isibonelo salokhu kudideka yisinqumo ngo-2009 sokushiya uphawu lwezinkunzi ezijwayele, enye yezimpawu zokuhweba ezinkampani ezaziwa kakhulu noma yikuphi futhi ngaleyo ndlela yingxenye ebalulekile yomkhiqizo we-Merrill Lynch, olandelwa ukuguqulwa ngo-2010, nomkhankaso omusha wokukhangisa ohambisana i-logo yezinkunzi.
Imibiko ehlukahlukene yokunyathelisa ibonisa ukuthi inani elikhulu labacebisi bezezimali beMerrill Lynch liye lahlukumezeka ngokuqondiswa kwezinkampani ngaphansi kobuholi beBenki of America, okwenza kube khona ukuvikelwa kwabadlali. Amafemu okuphatha ubuciko obunjiniyela agcina abe ngabaqashi abakhangayo ikakhulukazi abacebisi bezimali be-Merrill Lynch abanenkampani enezincwadi ezinkulu zebhizinisi .
Ukukhathazeka okuyinhloko phakathi kwabacebisi bezezimali ze-Merrill Lynch yilokhu:
- Ukunyakaza kwamakhasimende amancane ku-Merrill Edge
- Ukuphoqelelwa ukuphoqa imikhiqizo yaseBanning America, emgodini odayiswa ngezandla
- Ukuthunjwa komkhiqizo we-Merrill Lynch ngokubambisana ne-Bank of America enezinkathazo nokukhululeka, ikakhulukazi ngemva kokubuya kukaMerrill Lynch ekuzuzeni okunamandla
- Ukuzimela ngokweqile ngaphansi kwe-Bank of America isiko esivumela ukunamathela ngokuqinile emithethweni nasezinkambweni zokubeka izithakazelo kanye nokulula kuqala kuqala kumakhasimende (isibonelo, ithimba lebhange elizimele elilawula ngaphezu kuka-2,5 billion wezigidigidi lixoshiwe ngokusiza amakhasimende ukuba akhokhe izikweletu, kodwa hhayi ngezimali uhlelo lokukhokhwa kwezimali ezisemthethweni)
Ngo-2014, i-firm yalahlekelwa abeluleki abangu-45 abanamaphesenti angaphezu kwezingu-18,6 zamaRandi kumpahla yamakhasimende. Lokhu kwaba ukulahlekelwa okunjalo kunoma yikuphi okuqinile. Ngo-2013, i-Merrill ilahlekelwe yi- $ 10.1 yezimpahla zamakhasimende ngenxa yokunqothula abadayisi.
(Umthombo: "U-Merrill ulahlekelwa abacebisi abaphatha iRandi 18.6 billion ngo-2014," Investment News , ngoJanuwari 8, 2015.)