WEBVTT 00:00.096 --> 00:07.115 Me ya sa asusun diyya na AHV na Switzerland, ciki har da ajiyar fansho, ke shiga ƙarƙashin 00:07.115 --> 00:12.020 ikon bankin ajiya na Amurka, wato manajan dukiya. 00:12.020 --> 00:19.793 Kamar Jamus, ana biyan fansho na wata-wata ga masu fansho na Switzerland ta Inshorar Tsofaffi da Masu 00:19.793 --> 00:25.091 Rayuwa (AHV) daga abin da ake kira tsarin biyan kai-tsaye. 00:25.091 --> 00:32.878 Wannan yana nufin cewa ana biyan fansho na yanzu daga gudummawar wata-wata ta ma'aikata. 00:32.878 --> 00:39.871 Ba kamar Jamus ba, duk da haka, Switzerland har yanzu tana da cikakken asusun diyya na AHV/IV/EO mai 00:39.871 --> 00:43.993 kadarori kimanin franc na Switzerland biliyan 40. 00:43.993 --> 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. 00:53.186 --> 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, 01:00.956 --> 01:04.747 wadda aka kafa a shekarar 2017 kuma ke zaune a Geneva. 01:04.747 --> 01:12.366 Compenswiss ba wai kawai tana sa ido kan biyan fansho na wata-wata ga masu fansho da suka cancanta ba, har 01:12.366 --> 01:17.003 ma tana gudanar da asusun diyya mai kudi biliyan 40. 01:17.003 --> 01:24.986 Tabbas, ba a adana wannan kudi a cikin wani akwatin ajiya ba, sai dai an zuba shi cikin takardun jingina bisa 01:24.986 --> 01:32.670 ga ƙa'idoji, kuma Compenswiss na buƙatar bankin mai kula da waɗannan takardun jingina. 01:32.670 --> 01:38.420 Har zuwa yanzu, mai kula da waɗannan takardun jingina na biliyan 40 shi ne babban bankin 01:38.420 --> 01:42.051 Switzerland, UBS. Amma yanzu haka tarihi ne. 01:42.051 --> 01:49.095 Bayan gudanar da tsarin yin tayin, Compenswiss ta yanke shawarar cewa waɗannan franc na Switzerland biliyan 40 na kudaden AHV ba 01:49.095 --> 01:54.188 za a sake sarrafa su ta hannun bankin Switzerland ba, sai dai ta hannun wani rassan Jamus na bankin 01:54.188 --> 01:58.088 Amurka State Street Bank, mai hedkwata a Boston. 01:58.088 --> 02:05.230 State Street, tare da BlackRock da Vanguard, na ɗaya daga cikin manyan masu gudanar da dukiya a duniya, kuma waɗannan kamfanonin 02:05.230 --> 02:10.360 suna da ikon da ba za a iya auna shi ba saboda girman su. 02:10.360 --> 02:15.677 Duk da haka, wannan yana haifar da manyan haɗari ga Switzerland da kuɗin masu fansho. 02:15.677 --> 02:24.482 Wannan shi ne taken labarin NZZ (Neue Zürcher Zeitung) na 7 ga Oktoba 2024: 02:24.482 --> 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 02:33.995 --> 02:39.480 suka matsa don kare muradunsu idan akwai shakka," in ji Matter. 02:39.480 --> 02:45.137 A cikin mawuyacin hali, bankin ajiya na iya ƙin miƙa takardun jingina. Idan wani gaggawar lamari ya faru, 02:45.137 --> 02:51.760 Majalisar Tarayya tana da zaɓuɓɓuka mafi kyau na aiwatar da aiki tare da bankin Switzerland. 02:51.760 --> 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. 03:00.520 --> 03:04.877 A cikin NZZ, Compenswiss ya rubuta, daga cikin sauran abubuwa : 03:04.877 --> 03:12.743 Compenswiss ta yi nazari kan haɗarin hukumomin Amurka su daskare dukiyoyi a matsayin wani ɓangare na tsarin yin tayin. 03:12.743 --> 03:19.960 An ɗauka cewa faruwar wannan haɗari ba zai yiwu ba sosai. Shin haka ne? 03:19.960 --> 03:26.107 Farfesa na dokar banki Dr Rolf Sethe daga Jami'ar Zurich yana shakkar wannan: 03:26.107 --> 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 03:33.781 --> 03:38.347 saboda State Street ke riƙe da kayan kuɗi na asusun diyya. 03:38.347 --> 03:45.150 "Idan kana son cire waɗannan daga asusun ajiya, dole ne ka umarci State Street da ta mayar da su zuwa wani 03:45.150 --> 03:51.665 asusun ajiya a wani bankin mai ajiya," in ji Rolf Sethe, farfesa a dokar banki a Jami'ar Zurich. 03:51.665 --> 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. 03:59.913 --> 04:06.270 Wannan yana aiki ba tare da la'akari da inda ake ajiye kayan kuɗi a zahiri ba. 04:06.270 --> 04:14.379 A matsayin bankin Amurka, State Street tana ƙarƙashin dokar Amurka. Idan gwamnatin Amurka ta kakaba takunkumi 04:14.379 --> 04:19.894 kan Switzerland, bankin zai tilasta bin su, in ji Sethe. 04:19.894 --> 04:26.962 Tunda Amurka kullum tana aiwatar da dokokinta a wajen ƙasarta, mai yiwuwa za ta umarci bankin ya 04:26.962 --> 04:31.601 aiwatar da takunkumin ta hannun rassanta na Turai ma. 04:31.601 --> 04:36.880 Compenswiss na da umarni a kamfanin reshe na State Street a Munich. 04:36.880 --> 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 04:44.250 --> 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. 04:52.698 --> 04:58.780 Switzerland ta riga ta yi wasu ƙwarewa masu matuƙar muni da tsada game da wannan. 04:58.780 --> 05:04.939 Bayan Yaƙin Duniya na Biyu, an tilasta wa Switzerland biyan kwata na biliyan na franc na Switzerland (babban adadi 05:04.939 --> 05:11.513 a wancan lokacin) a cikin rabe-rabe ƙarƙashin Yarjejeniyar Washington saboda ba ta shiga yaƙin ba. 05:11.513 --> 05:17.284 A ƙarshe, an rage kuɗin da ake buƙata da kashi hamsin cikin ɗari. 05:17.284 --> 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 05:24.657 --> 05:33.380 su ɓace ta hanyar kwacen dukiya na gwamnati kamar yadda wasu ƙasashe suka yi ba – an tilasta mata biyan biliyoyin diyya. 05:33.380 --> 05:40.266 Asirin banki, wanda ya shafi 'yan ƙasashen waje ma, an kwace shi daga Switzerland ta hanyar tsangwama ta kuɗi ta 05:40.266 --> 05:45.080 barazanar cire ta daga mu'amalolin biyan kuɗi na duniya. 05:45.080 --> 05:50.950 A ƙarshe amma ba ƙarami ba, an tilasta wa UBS ɗaukar ragamar Credit Suisse mai fama da matsaloli ƙarƙashin 05:50.950 --> 05:56.994 matsin lamba daga gwamnatin Amurka, ta haka an haifar da barilar barut ga masu biyan haraji na Switzerland. 05:56.994 --> 06:06.234 Kla.TV ta ruwaito wannan a ranar 28 ga Afrilu 2023 da 24 ga Nuwamba 2023. 06:06.234 --> 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. 06:15.504 --> 06:22.864 Gwamnatin Amurka ta kakaba takunkumi kan Rasha, kuma da yin hakan ta toshe dala biliyan 260 a duk 06:22.864 --> 06:27.368 faɗin duniya da suka kasance na Bankin Ƙasa na Rasha. 06:27.368 --> 06:33.243 Amurka ba ta taɓa jin kunya game da dukiyar wasu ba. 06:34.800 --> 06:45.910 Me ya sa gagarumin kamfanin banki State Street ya shiga tayin Compenswiss ya maye gurbin UBS a matsayin manajan dukiya? 06:45.910 --> 06:53.112 Me ya sa aka ba wani, kuma yanzu baƙon ƙasa, amintacce izinin sarrafa kadarorin AHV? 06:53.112 --> 06:59.680 Me tsohon amintacce, UBS, ya yi ba daidai ba? Me ya sa State Street ya fi kyau? 06:59.680 --> 07:07.981 Yawanci, kuɗin ajiya na shekara-shekara da bankin mai ajiya ke caji yana tsakanin 0.01% da 0.05% na dukiyoyin 07:07.981 --> 07:15.982 da ake sarrafawa, gwargwadon rikitarwar gudanar da dukiya da cikakkun bayanai na kwangila. 07:15.982 --> 07:24.039 Da dukiyoyi na CHF biliyan 40, wannan zai kai kimanin: 1,234,321 a 0.01%: CHF miliyan 4 a kowace 07:24.039 --> 07:30.560 shekara 1,234,321 a 0.05%: CHF miliyan 20 a kowace shekara 07:30.560 --> 07:39.272 Duk da haka, jimillar kudaden shiga na duniya na State Street Corporation ta kai kusan dala biliyan 18.36 a 07:39.272 --> 07:48.430 shekarar 2023, inda mafi yawansu suka fito ne daga ajiya, gudanar da dukiya da sauran ayyukan kudi. 07:48.430 --> 07:54.421 Kasuwannin Switzerland da Jamus watakila suna da kaso kaɗan ne kawai na jimillar kasuwanci, 07:54.421 --> 07:59.640 musamman a matsayin bankin ajiya na dukiyoyin cibiyoyi. 07:59.640 --> 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 08:06.897 --> 08:11.033 na State Street tabbas sun yi murnar riba daga wannan umarni. 08:11.033 --> 08:17.933 A matsayin ƙa'ida, ana murnar cin nasarar lasisi koyaushe yadda ya kamata, domin da ba shi 08:17.933 --> 08:21.780 da riba, ba za a ɗauki wahalar shiga shi ba. 08:21.780 --> 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 08:29.197 --> 08:33.990 rufe kashe-kashen ka kawai ba; akwai kuma wasu dalilai. 08:33.990 --> 08:39.700 Kuma a matsayin masu ba da gudummawa ga AHV, tabbas muna sha'awar su. 08:39.700 --> 08:50.200 Shin ainihin manufofin su ne cewa, a ƙarƙashin dokar Amurka, za a iya daskarar dukiyoyin AHV bisa hujjoji marasa ƙarfi? 08:52.088 --> 08:58.739 A tsakiyar waɗannan tattaunawar, wasu 'yan siyasa sun riga sun yi kira a nan gaba a sarrafa dukiyoyin 08:58.739 --> 09:02.289 jama'a ba tare da dogaro da manyan bankunan Amurka ba. 09:02.289 --> 09:10.380 Suna neman ƙarin iko da bayyanawa game da yadda da kuma inda ake zuba kuɗin asusun AHV. 09:10.380 --> 09:18.723 Wannan lamari yana shafar kowa da ke zaune a Switzerland. Yana shafar kuɗaɗe da fansho na duk mazauna. 09:18.723 --> 09:23.940 Dukiyoyin AHV dole ne su kasance a Switzerland kuma a ƙarƙashin ikon Switzerland! 09:23.940 --> 09:27.950 Kuna iya ba da muryarku ga wannan buƙata ta hanyar goyon bayan kamfen da bukatar jaridar Switzerland 09:27.950 --> 09:32.835 Schweizerzeit mai taken "Das AHV-Vermögen bleibt in der Schweiz" (Kudaden AHV suna kasancewa a Switzerland). 09:32.835 --> 09:39.226 Lokacin tattarawa zai ci gaba har ƙarshen Janairu 2025. Za ku iya samun takardar sa hannu a cikin akwatin 09:39.226 --> 09:42.513 bayanai mai launin shuɗi da ke ƙasa da wannan shirin.