Njengoba kusetshenziswe ku-Merrill Lynch
Izibalo ze-Velocity zenziwe ezingeni elibanzi eliqinile-eqinile, yonke ibhizinisi lebhizinisi elibheke ngumeluleki wezezimali , kanye namakhasimende ngabanye. Ukuhlukana kwezinto ezihamba ngokulinganayo kwaqashwe ngokucophelela kakhulu nenhlangano yesilawuli kanye nezinhlelo zokubika zokuphatha, nokubikezela kwemikhuba yokuhamba phambili kwakuyizimpikiswano ezibucayi kumamodeli wezezimali ezibikezelayo kanye nezilinganiso zenzuzo.
Njengoba ukuhlaziywa kwezokuphatha nokuphathwa kwezinzuzo kanye nezinqubo zendlela yokuhlaziywa kwenzuzo kuguquke futhi kwaba yinkimbinkimbi kakhulu, ukugxila okubaluleke kakhulu kwaqala ukufakwa kwizentengiselwano zentengo kunokuba kusetshenziswe ukukhishwa kwekhredithi yokukhiqiza. Lokhu kuphakanyiswe njengoba le nkampani ibeka inani elikhulayo lemali engazange idale izikweletu zokukhiqiza, futhi njengabaphathi abaphezulu baqala ukuqaphela ukuthi, ngokuthengiselana lapho ukukhishwa kwemikhiqizo kukhishwe ngempela kumeluleki wezezimali, inani langempela lama-credits wokukhiqiza kumali engenayo engaphansi ingahluka ngokuphawulekayo ngomkhiqizo.
Velocity in Economics
I-Velocity, njengoba isetshenziselwa amafemu okudayiswa kwamasheya, kuyisicelo somqondo wezomnotho wezezimali okuthiwa ukunyuka kwemali. Lezi zindlela ezibalulekile zokuthi ukuthengiswa komnotho kuleso sikhwama kufana nesilinganiso semali esivamile, noma izinga lapho lishintsha khona izandla.
I-theorem ibhaliwe kuleli fomu:
M x V = P x Q
Lapho i-M isamba semali, iV vccity of money, P iyinani lentengo ngayinye yokuthengiselana futhi Q yiyonke inani lokuthengiselana.
Isicelo se-brokerage singabhalwa:
A x V = R
Lapho i-value yezimpahla zamaklayenti, iV vccity on those assets, futhi R iyonke imali engenayo etholakalayo.
Impembelelo kuSikhungo Sobumbano
Ukuphakama kokugxila ku-Merrill Lynch kwakuwukuthuthukiswa kwecebo lokuqoqa izimpahla, besebenzisa inkolelo yokuthi amanye ama-client assets asetilongweni azoletha imali engaphezulu. Ngakho-ke, uhlelo lwezinxephezelo zabeluleki lwezezimali lwalungiswa, lwabacebisi abacebile bezezimali ekuqoqweni kwezimpahla ezintsha ezintsha kumakhasimende abo.
Ukwengeza, izifundo zokuphathwa kwezesayensi yemali engenayo kanye nenzuzo yenzalo yenkampani yamakhasimende kanye neklayenti ngayinye kwaholela ekuqondeni okwengeziwe okwakunselele isu lokumaketha yendabuko. Okungukuthi, itholakala ukuthi i-velocity, noma kunjalo, ilinganisiwe, yenqabe kakhulu njengoba impahla yeklayenti noma amakhasimende amaklayenti isukuma. Ingxenye yalokhu kwakuwumphumela wezaphulelo ezixoxwa ngazo noma ezinikezwe ngokuzenzakalela kumakhasimende aphezulu aphezulu. Ngokwengxenye lokhu kwakuwumphumela wokuhweba umsebenzi ngokuvamile owehla njengengxenye yempahla, njengoba izimpahla zikhula.
Kunoma yiliphi icala, imali engenayo ephansi kakhulu nezinzuzo eziphakathi kwamakhasimende aphezulu ayenayo inselele inkolelo yokuthi ukuqoqa izimpahla ngokuzikhandla kwakuyicebo elihle lokuqoqa inani elifanayo lempahla ngokufuna izinamba ezinkulu zamakhasimende amancane. Ukuhamba ngomzila wokugcina kuzokhiqiza ukukhula okuphezulu kakhulu ngokwezimali ezifanayo.