Puong e matla e tšoaeang sehopotso sa bo-10 sa Beke ea Chelete ea Belgium, Mokomishinara oa Europe oa Litšebeletso tsa Lichelete Mairead McGuinness Albuquerque o hatelletse matla a phetoho ea tsebo ea lichelete ho theheng eseng feela bophelo ba motho ka mong empa hape le moruo o pharalletseng oa Europe. Ha a bua le bamameli ba baetsi ba melao-motheo, barupeli le baeta-pele ba indasteri, Mokomishinara Albuquerque o ile a hatisa hore ho utloisisa lichelete ha e sa le boikhethelo-ho bohlokoa bakeng sa matlafatso, tekano, le tsoelo-pele ea moruo.
Pitso ea Ketso: Hobaneng ha Thuto ea Lichelete e le Bohlokoa ho Feta Pele
"Ho tseba ho bala le ho ngola ka lichelete ke karolo ea ho ruta ho ba moahi le ho matlafatsa," ho boletse Mokomishinara Albuquerque, a totobatsa lekhalo le mahlonoko tsamaisong ea thuto ea sejoale-joale. Ho sa tsotellehe bohlokoa ba eona, tsebo ea lichelete e ntse e le tlaase ka mokhoa o tšosang Europe. Ho ea ka lintlha tsa morao-rao tsa Eurobarometer tse boletsoeng ke mokomishinara, ke 18% feela ea batho ba Europe ba nang le tsebo e phahameng ea lichelete. Ntho e tšoenyang le ho feta, lihlopha tse khesoang joalo ka bacha, basali, le ba nang le meputso e tlase ba lula ba le mpe ka ho fetesisa litabeng tsa lichelete.
Phapang ena e na le liphello tse tebileng. OECD e bontšitse kamano e matla pakeng tsa tsebo ea lichelete le katleho ea thuto, maemo a chelete, le ho bokella leruo. Ntle le ho kenella, likheo tsena li tsoela pele ho se lekane, li siea batho ba tlokotsing ba sa hlomelloa ho etsa liqeto tsa bohlokoa ka ho fetisisa tsa lichelete - ho tloha ho fumana likalimo ho isa ho moralo oa ho tlohela mosebetsi.
Mokomishinara Albuquerque o ile a pheha khang ea hore ho rarolla bothata bona ho qala kapele. "Bacha ba pele ba rutoa ka lichelete, ho molemo," o boletse, a hlokomela kamoo tsamaiso ea lichelete e hokahaneng haholo le bophelo ba letsatsi le letsatsi. Ho tloha ho fumana chelete ea pokotho re le bana ho ea ho matsete a rarahaneng re le batho ba baholo, liqeto tsa lichelete li theha bokamoso ba rona. Leha ho le joalo batho ba bangata ba Europe ha ba e-s'o fumane thuto ea molao ea lichelete, ho e-na le hoo ba itšetlehile ka thuto e sa reroang ho tsoa ho liteko tsa malapa kapa tsa botho-e leng mokhoa o tlohelang ho hongata ho etsahala.
Ho Thibela Lekhalo: Mekhoa e Molemo ka ho Fetisisa ea Beke ea Chelete ea Belgium
Boikitlaetso ba maemo a holimo ba Belgium, boo hona joale bo ketekang lilemo tse leshome, bo fana ka leseli la tšepo. E hlophisitsoe ke Lefapha la Litšebeletso tsa Lichelete le Bolaoli ba Limmaraka (FSMA), Beke ea Chelete ea Belgium e fetohile mohlala oa ho matlafatsa tsebo ea lichelete ka mesebetsi e kopanetsoeng e etselitsoeng batho ba fapaneng. Khatiso ea selemo sena e ts'episa ho nka karolo ha rekoto, ho bonts'a tlhoko e ntseng e eketseha ea sechaba ea thuto ea lichelete e fumanehang.
Mokomishinara Albuquerque o rorisitse phello ea lenaneo, haholo-holo sepheo sa lona sa ho fihlela baithuti le matichere. Ka ho kenyelletsa tsebo ea lichelete ho kharikhulamo ea likolo, matsapa a kang Belgium Money Week a ka batalatsa maemo, a fokotsa ho se tšoane ho amanang le maemo a moruo oa sechaba. Ho feta moo, ba theha litlamorao, ba matlafatsa batsoali le matichere hammoho le baithuti ba bona.
Boiteko bo joalo bo ka susumetsa ba bang EU linaha tseo e leng litho ho sebelisa maano a tšoanang. Ha tsoelo-pele ea dijithale e fetola maemo a lichelete, Mokomishinara Albuquerque o hatelletse ho potlaka ha ho hlomella meloko e mecha ka litsebo tse hlokahalang hore li atlehe—le ho itšireletsa—tikolohong e ntseng e eketseha e rarahaneng.
Ho Tsamaisa Digital Frontier: Menyetla le Likotsi
Lichelete tsa Digital li fetotse tsela eo batho ba sebelisanang le chelete ka eona, 'me e fana ka boiketlo le phihlello e neng e e-so ka e bonoa. Bakeng sa likhoebo tse nyenyane le bo-rakhoebo, mehloli e meng ea lichelete e hlahile, hangata ka mantsoe a bonolo ho feta ba alimang ba tloaelehileng. Leha ho le joalo, mekhoa ena e mecha e tla le likotsi, haholo-holo bakeng sa bacha ba tech-savvy ba ka ikamahanyang le mekhoa e mecha ntle le ho utloisisa ka botlalo liphello tsa bona.
Lichelete tsa lichelete, merero ea Buy-Now-Pay-Later, le ba susumetsang lichelete-kapa "finfluencers" - ke tse ling tsa liketsahalo tse hapang bamameli ba bacha. Le hoja ba bang ba lichelete ba fana ka lintlha tsa bohlokoa, ba bang ba sebelisa hampe ho tšepana, ba khothalletsa lihlahisoa kapa mekhoa e belaetsang. Ho sa le joalo, scammers ba sebelisa bohlale ba maiketsetso ho etsa livideo tse kholisang tse tebileng tse tšehetsang merero ea bosholu, ka ho ts'oara maikutlo le ho potlaka.
Ho loantša litšokelo tsena, Mokomishinara Albuquerque o khothalelitse ho falimeha le ho nahana ka ho teba. "Beha leihlo le mahlonoko 'me u batle netefatso bakeng sa likeletso life kapa life tse fumanehang marang-rang," o ile a eletsa, a hatisa tlhokahalo ea hore litsi tse tšepahalang li tlatse likheo tsa tlhahisoleseling pele mashano a hasana.
Ho Aha Setso se Atlehang sa Matsete ho Feta Europe
Ka ntle ho matlafatso ea motho ka mong, tsebo ea lichelete e bapala karolo ea bohlokoa ho holisa kholo ea moruo. Hamorao bekeng ena, Mokomishinara Albuquerque o tla senola leano la hae bakeng sa European Savings and Investments Union, ka sepheo sa ho koala sekheo lipakeng tsa liak'haonte tsa polokelo tse sa sebetseng le likhoebo tse sa fumaneng chelete e ngata tse batlang chelete.
Europe e salletse morao ho lithaka tsa lefatše mabapi le ho bokella poloko ea baahi bakeng sa matsete a hlahisang litholoana. Pono ea hae e batla ho hokahanya baboloki ba batlang meputso e betere le lik'hamphani tse ncha tse hlohlelletsang tlholisano le boqapi. Ntlha ea bohlokoa morerong ona ke ho hlaolela mokhoa o matla oa ho tsetela o thehiloeng tsebong ea lichelete.
"Moetlo o matla oa ho tsetela o tla thusa baahi ho sebelisa menyetla le ho ntlafatsa sephetho sa bona sa lichelete," a tiisa. Empa ho finyella sena ho hloka phetoho ea tsamaiso, ho qala ka thuto. Ha batho ka bomong ba laola lichelete tsa bona ka kholiseho, ba kenya letsoho moketjaneng o motle: baahi ba nang le matla ba etsa liqeto tse nang le tsebo tse matlafatsang leruo la bona le ka bophara. moruo.
Boikarabello bo Abelanang Bakeng sa Bokamoso bo Khanyang
Ha a koala, Mokomishinara Albuquerque o ile a tiisa boitlamo ba Khomishene ea Europe ea ho etelletsa pele tsebo ea lichelete. Ha se taba ea thuto feela empa ke tlamo ea sechaba e nang le litlamorao tse tebileng bakeng sa teka-tekano, katleho, le botsitso. O kopile bankakarolo—ho tloha ho mebuso ho ea likolong ho ea ho batšehetsi ba mekhatlo e ikemetseng—ho sebelisana ’moho ho boloka tsebo ea lichelete e le eona ntho e ka sehloohong.
Molaetsa oa hae o ile oa ama batho ba tlileng kopanong haholo, bao bongata ba bona ba neng ba lumellana le tumelo ea hae ea hore tsebo ea lichelete ke mohato o lebisang mebarakeng e tebileng ea lichelete. Ka ho hlomella baahi ka lisebelisoa tsa ho utloisisa le ho sebelisana le lichelete, Europe e ka notlolla menyetla e sa sebetseng, ea khothaletsa bokamoso moo bohle ba ruang molemo.
Ha Beke ea Chelete ea Belgium ea 2025 e ntse e tsoela pele, ntho e le 'ngoe e hlakile: puisano e mabapi le tsebo ea lichelete ha e e-so ka e ba teng ka nako—kapa e potlakileng ho feta. Kaha baahloli ba joalo ka Mokomishinara Albuquerque ba etella pele, ho na le tšepo e ncha ea hore Europe e ka tsoha ho tobana le phephetso ena, ho netefatsa hore baahi bohle ba hlomelloa ho tsamaea sebakeng sena.mathata a lichelete a lekholong la bo21 la lilemo.
