1 00:00:00,000 --> 00:00:00,096 2 00:00:00,096 --> 00:00:07,115 Me ya sa asusun diyya na AHV na Switzerland, ciki har da ajiyar fansho, ke shiga ƙarƙashin 3 00:00:07,115 --> 00:00:12,020 ikon bankin ajiya na Amurka, wato manajan dukiya. 4 00:00:12,020 --> 00:00:19,793 Kamar Jamus, ana biyan fansho na wata-wata ga masu fansho na Switzerland ta Inshorar Tsofaffi da Masu 5 00:00:19,793 --> 00:00:25,091 Rayuwa (AHV) daga abin da ake kira tsarin biyan kai-tsaye. 6 00:00:25,091 --> 00:00:32,878 Wannan yana nufin cewa ana biyan fansho na yanzu daga gudummawar wata-wata ta ma'aikata. 7 00:00:32,878 --> 00:00:39,871 Ba kamar Jamus ba, duk da haka, Switzerland har yanzu tana da cikakken asusun diyya na AHV/IV/EO mai 8 00:00:39,871 --> 00:00:43,993 kadarori kimanin franc na Switzerland biliyan 40. 9 00:00:43,993 --> 00:00:53,186 Wannan kudi na al'umma ne kuma yana aiki a matsayin ajiyar kudi don ci gaba da biyan fansho na shekara guda gaba ɗaya. 10 00:00:53,186 --> 00:01:00,956 Ana sarrafa wannan kuɗin ne ta Compenswiss, wata cibiyar jama'a da ake ganin ta kasance mai zaman kanta ta Tarayyar Switzerland, 11 00:01:00,956 --> 00:01:04,747 wadda aka kafa a shekarar 2017 kuma ke zaune a Geneva. 12 00:01:04,747 --> 00:01:12,366 Compenswiss ba wai kawai tana sa ido kan biyan fansho na wata-wata ga masu fansho da suka cancanta ba, har 13 00:01:12,366 --> 00:01:17,003 ma tana gudanar da asusun diyya mai kudi biliyan 40. 14 00:01:17,003 --> 00:01:24,986 Tabbas, ba a adana wannan kudi a cikin wani akwatin ajiya ba, sai dai an zuba shi cikin takardun jingina bisa 15 00:01:24,986 --> 00:01:32,670 ga ƙa'idoji, kuma Compenswiss na buƙatar bankin mai kula da waɗannan takardun jingina. 16 00:01:32,670 --> 00:01:38,420 Har zuwa yanzu, mai kula da waɗannan takardun jingina na biliyan 40 shi ne babban bankin 17 00:01:38,420 --> 00:01:42,051 Switzerland, UBS. Amma yanzu haka tarihi ne. 18 00:01:42,051 --> 00:01:49,095 Bayan gudanar da tsarin yin tayin, Compenswiss ta yanke shawarar cewa waɗannan franc na Switzerland biliyan 40 na kudaden AHV ba 19 00:01:49,095 --> 00:01:54,188 za a sake sarrafa su ta hannun bankin Switzerland ba, sai dai ta hannun wani rassan Jamus na bankin 20 00:01:54,188 --> 00:01:58,088 Amurka State Street Bank, mai hedkwata a Boston. 21 00:01:58,088 --> 00:02:05,230 State Street, tare da BlackRock da Vanguard, na ɗaya daga cikin manyan masu gudanar da dukiya a duniya, kuma waɗannan kamfanonin 22 00:02:05,230 --> 00:02:10,360 suna da ikon da ba za a iya auna shi ba saboda girman su. 23 00:02:10,360 --> 00:02:15,677 Duk da haka, wannan yana haifar da manyan haɗari ga Switzerland da kuɗin masu fansho. 24 00:02:15,677 --> 00:02:24,482 Wannan shi ne taken labarin NZZ (Neue Zürcher Zeitung) na 7 ga Oktoba 2024: 25 00:02:24,482 --> 00:02:33,995 "Bayanai na Amurka da na Switzerland ba koyaushe suke daidai ba. Misali, lokacin da aka soke asirin banki, mun ga yadda Amurkawa 26 00:02:33,995 --> 00:02:39,480 suka matsa don kare muradunsu idan akwai shakka," in ji Matter. 27 00:02:39,480 --> 00:02:45,137 A cikin mawuyacin hali, bankin ajiya na iya ƙin miƙa takardun jingina. Idan wani gaggawar lamari ya faru, 28 00:02:45,137 --> 00:02:51,760 Majalisar Tarayya tana da zaɓuɓɓuka mafi kyau na aiwatar da aiki tare da bankin Switzerland. 29 00:02:51,760 --> 00:03:00,520 Compenswiss yanzu ta ga dama ta rage muhimmancin wannan haɗari kuma ta fitar da sanarwar manema labarai a ranar 11 ga Oktoba. 30 00:03:00,520 --> 00:03:04,877 A cikin NZZ, Compenswiss ya rubuta, daga cikin sauran abubuwa : 31 00:03:04,877 --> 00:03:12,743 Compenswiss ta yi nazari kan haɗarin hukumomin Amurka su daskare dukiyoyi a matsayin wani ɓangare na tsarin yin tayin. 32 00:03:12,743 --> 00:03:19,960 An ɗauka cewa faruwar wannan haɗari ba zai yiwu ba sosai. Shin haka ne? 33 00:03:19,960 --> 00:03:26,107 Farfesa na dokar banki Dr Rolf Sethe daga Jami'ar Zurich yana shakkar wannan: 34 00:03:26,107 --> 00:03:33,781 Eh, a cikin mawuyacin hali, Amurka na iya samun damar asusun diyya na AHV, IV da EO ta hanyar State Street. Wannan 35 00:03:33,781 --> 00:03:38,347 saboda State Street ke riƙe da kayan kuɗi na asusun diyya. 36 00:03:38,347 --> 00:03:45,150 "Idan kana son cire waɗannan daga asusun ajiya, dole ne ka umarci State Street da ta mayar da su zuwa wani 37 00:03:45,150 --> 00:03:51,665 asusun ajiya a wani bankin mai ajiya," in ji Rolf Sethe, farfesa a dokar banki a Jami'ar Zurich. 38 00:03:51,665 --> 00:03:59,913 Wannan yana nufin cewa ba tare da haɗin gwiwar State Street a matsayin bankin mai kula ba, AHV ba za ta iya cire dukiyoyin ba. 39 00:03:59,913 --> 00:04:06,270 Wannan yana aiki ba tare da la'akari da inda ake ajiye kayan kuɗi a zahiri ba. 40 00:04:06,270 --> 00:04:14,379 A matsayin bankin Amurka, State Street tana ƙarƙashin dokar Amurka. Idan gwamnatin Amurka ta kakaba takunkumi 41 00:04:14,379 --> 00:04:19,894 kan Switzerland, bankin zai tilasta bin su, in ji Sethe. 42 00:04:19,894 --> 00:04:26,962 Tunda Amurka kullum tana aiwatar da dokokinta a wajen ƙasarta, mai yiwuwa za ta umarci bankin ya 43 00:04:26,962 --> 00:04:31,601 aiwatar da takunkumin ta hannun rassanta na Turai ma. 44 00:04:31,601 --> 00:04:36,880 Compenswiss na da umarni a kamfanin reshe na State Street a Munich. 45 00:04:36,880 --> 00:04:44,250 Idan aka duba halayen gwamnatin Amurka a cikin shekaru 50 da suka gabata, ba abin mamaki ba ne, amma yana da matukar 46 00:04:44,250 --> 00:04:52,698 yiwuwar Amurka za ta toshe ko ma ta sata dukiyar ƙasashen waje idan aka kakaba mata takunkumi ko idan aka samu sabani. 47 00:04:52,698 --> 00:04:58,780 Switzerland ta riga ta yi wasu ƙwarewa masu matuƙar muni da tsada game da wannan. 48 00:04:58,780 --> 00:05:04,939 Bayan Yaƙin Duniya na Biyu, an tilasta wa Switzerland biyan kwata na biliyan na franc na Switzerland (babban adadi 49 00:05:04,939 --> 00:05:11,513 a wancan lokacin) a cikin rabe-rabe ƙarƙashin Yarjejeniyar Washington saboda ba ta shiga yaƙin ba. 50 00:05:11,513 --> 00:05:17,284 A ƙarshe, an rage kuɗin da ake buƙata da kashi hamsin cikin ɗari. 51 00:05:17,284 --> 00:05:24,657 Ko da yake Switzerland ba ta taɓa taɓa abin da ake kira "kudaden marasa mai" ba bayan Yaƙin Duniya na Biyu – ba ta taɓa sa 52 00:05:24,657 --> 00:05:33,380 su ɓace ta hanyar kwacen dukiya na gwamnati kamar yadda wasu ƙasashe suka yi ba – an tilasta mata biyan biliyoyin diyya. 53 00:05:33,380 --> 00:05:40,266 Asirin banki, wanda ya shafi 'yan ƙasashen waje ma, an kwace shi daga Switzerland ta hanyar tsangwama ta kuɗi ta 54 00:05:40,266 --> 00:05:45,080 barazanar cire ta daga mu'amalolin biyan kuɗi na duniya. 55 00:05:45,080 --> 00:05:50,950 A ƙarshe amma ba ƙarami ba, an tilasta wa UBS ɗaukar ragamar Credit Suisse mai fama da matsaloli ƙarƙashin 56 00:05:50,950 --> 00:05:56,994 matsin lamba daga gwamnatin Amurka, ta haka an haifar da barilar barut ga masu biyan haraji na Switzerland. 57 00:05:56,994 --> 00:06:06,234 Kla.TV ta ruwaito wannan a ranar 28 ga Afrilu 2023 da 24 ga Nuwamba 2023. 58 00:06:06,234 --> 00:06:15,504 A 'yan kwanakin baya, Amurka ta nuna a babban mataki yadda take mu'amala da dukiyoyin wasu ƙasashe idan ta kakaba musu takunkumi. 59 00:06:15,504 --> 00:06:22,864 Gwamnatin Amurka ta kakaba takunkumi kan Rasha, kuma da yin hakan ta toshe dala biliyan 260 a duk 60 00:06:22,864 --> 00:06:27,368 faɗin duniya da suka kasance na Bankin Ƙasa na Rasha. 61 00:06:27,368 --> 00:06:33,243 Amurka ba ta taɓa jin kunya game da dukiyar wasu ba. 62 00:06:34,800 --> 00:06:45,910 Me ya sa gagarumin kamfanin banki State Street ya shiga tayin Compenswiss ya maye gurbin UBS a matsayin manajan dukiya? 63 00:06:45,910 --> 00:06:53,112 Me ya sa aka ba wani, kuma yanzu baƙon ƙasa, amintacce izinin sarrafa kadarorin AHV? 64 00:06:53,112 --> 00:06:59,680 Me tsohon amintacce, UBS, ya yi ba daidai ba? Me ya sa State Street ya fi kyau? 65 00:06:59,680 --> 00:07:07,981 Yawanci, kuɗin ajiya na shekara-shekara da bankin mai ajiya ke caji yana tsakanin 0.01% da 0.05% na dukiyoyin 66 00:07:07,981 --> 00:07:15,982 da ake sarrafawa, gwargwadon rikitarwar gudanar da dukiya da cikakkun bayanai na kwangila. 67 00:07:15,982 --> 00:07:24,039 Da dukiyoyi na CHF biliyan 40, wannan zai kai kimanin: 1,234,321 a 0.01%: CHF miliyan 4 a kowace 68 00:07:24,039 --> 00:07:30,560 shekara 1,234,321 a 0.05%: CHF miliyan 20 a kowace shekara 69 00:07:30,560 --> 00:07:39,272 Duk da haka, jimillar kudaden shiga na duniya na State Street Corporation ta kai kusan dala biliyan 18.36 a 70 00:07:39,272 --> 00:07:48,430 shekarar 2023, inda mafi yawansu suka fito ne daga ajiya, gudanar da dukiya da sauran ayyukan kudi. 71 00:07:48,430 --> 00:07:54,421 Kasuwannin Switzerland da Jamus watakila suna da kaso kaɗan ne kawai na jimillar kasuwanci, 72 00:07:54,421 --> 00:07:59,640 musamman a matsayin bankin ajiya na dukiyoyin cibiyoyi. 73 00:07:59,640 --> 00:08:06,897 Idan aka yi la'akari cewa ko kakanni za ta yi dinki na dogon lokaci kafin ta tara CHF miliyan 4, shugabannin Switzerland/Jamusi 74 00:08:06,897 --> 00:08:11,033 na State Street tabbas sun yi murnar riba daga wannan umarni. 75 00:08:11,033 --> 00:08:17,933 A matsayin ƙa'ida, ana murnar cin nasarar lasisi koyaushe yadda ya kamata, domin da ba shi 76 00:08:17,933 --> 00:08:21,780 da riba, ba za a ɗauki wahalar shiga shi ba. 77 00:08:21,780 --> 00:08:29,197 Duk da haka, samun riba mai yawa ba lallai yana nufin cewa ka samu wata hanyar samun kuɗi mai ci gaba wadda za ta 78 00:08:29,197 --> 00:08:33,990 rufe kashe-kashen ka kawai ba; akwai kuma wasu dalilai. 79 00:08:33,990 --> 00:08:39,700 Kuma a matsayin masu ba da gudummawa ga AHV, tabbas muna sha'awar su. 80 00:08:39,700 --> 00:08:50,200 Shin ainihin manufofin su ne cewa, a ƙarƙashin dokar Amurka, za a iya daskarar dukiyoyin AHV bisa hujjoji marasa ƙarfi? 81 00:08:52,088 --> 00:08:58,739 A tsakiyar waɗannan tattaunawar, wasu 'yan siyasa sun riga sun yi kira a nan gaba a sarrafa dukiyoyin 82 00:08:58,739 --> 00:09:02,289 jama'a ba tare da dogaro da manyan bankunan Amurka ba. 83 00:09:02,289 --> 00:09:10,380 Suna neman ƙarin iko da bayyanawa game da yadda da kuma inda ake zuba kuɗin asusun AHV. 84 00:09:10,380 --> 00:09:18,723 Wannan lamari yana shafar kowa da ke zaune a Switzerland. Yana shafar kuɗaɗe da fansho na duk mazauna. 85 00:09:18,723 --> 00:09:23,940 Dukiyoyin AHV dole ne su kasance a Switzerland kuma a ƙarƙashin ikon Switzerland! 86 00:09:23,940 --> 00:09:27,950 Kuna iya ba da muryarku ga wannan buƙata ta hanyar goyon bayan kamfen da bukatar jaridar Switzerland 87 00:09:27,950 --> 00:09:32,835 Schweizerzeit mai taken "Das AHV-Vermögen bleibt in der Schweiz" (Kudaden AHV suna kasancewa a Switzerland). 88 00:09:32,835 --> 00:09:39,226 Lokacin tattarawa zai ci gaba har ƙarshen Janairu 2025. Za ku iya samun takardar sa hannu a cikin akwatin 89 00:09:39,226 --> 00:09:42,513 bayanai mai launin shuɗi da ke ƙasa da wannan shirin.