Pezani Zambiri pa Mbiri, Mbiri, Ntchito Zogwira Ntchito ndi Zambiri
Merrill Lynch ndiyikulu yothandizira ndalama , yomwe inagulidwa ndi Bank of America mu 2008. Mabizinesi ake ndi awa:
- Zowonetsera Malonda Azachuma
- Mapulogalamu a Mabanki
- Kusamalira Zamalonda
- Investment Banking
- Kugula malonda
Otsegula Ntchito: Onani mndandanda wa maofesi a ntchito ku Merrill Lynch.
Kukula: Cholimba ndicho chitukuko chachikulu cha mafakitale, kudutsa miyeso yambiri, kuphatikizapo:
- Aphungu a zachuma = oposa 15,500
- Ofufuza Ofufuza = oposa 700
- Zosungirako Zowonjezera Msonkho = $ 2.5 trilioni
- Avereji ya ndalama pa mlangizi wa zachuma = pafupifupi $ 1 miliyoni
Ziwerengero izi ndizofika kumapeto kwa chaka cha 2014. Msonkho wothandizira a zachuma amachititsa Merrill Lynch kukhala mtsogoleri wa mafakitale muzochita zowonjezera.
Mbiri ndi Chikhalidwe Chachikhalidwe
Malamulo a Merrill Lynch akhala akutchulidwa kalekale ngati ndondomeko ya machitidwe ndi mgwirizano, komanso mawindo odalirika mu chikhalidwe cha olimba, m'zaka makumi angapo zapitazo. Mu 2010, kukhazikitsidwa kwa Merrill Edge kunkaimira kulipira koyamba koyendetsa ndalama kuwononga ndalama zogulitsa.
Merrill Lynch Global Wealth Management (MLGWM) ndi magawano omwe akugwiritsidwa ntchito pamtunda wotsika mtengo wa makasitomala oposa $ 250,000 pa chuma chonse. Malinga ndi mabuku a kampani, amapereka "mwayi wokhudzana ndi kasitomala."
Zotsatira
Makampani ogwira ntchito komanso ogwira ntchito padziko lonse lapansi amapereka ntchito zambiri, kuphatikizapo mwayi wokhala ndi chidziwitso m'magulu osiyanasiyana a mafakitale.
Mbiri yake yakale monga mtsogoleri wa mafakitale amachititsa ntchito kumeneko kuti ikulimbikitseni kwambiri kuti mubwererenso, mukadzafunafuna ntchito zomwe mungachite kumalo ena.
Zisanafike poyambira pang'onopang'ono mu 2001, Merrill Lynch anakhala ndi mbiri yakalekale monga woyambitsa ndondomeko ya alangizi atsopano a zachuma, omwe ali ndi pulogalamu yayikulu yolemekezedwa kwambiri.
Komabe, m'zaka zaposachedwapa ofesi yakhazikitsa njira zogwirira ntchito ndi kuphunzitsa ophunzira atsopano a koleji monga alangizi a zachuma.
Zosokoneza
Mipingo yambiri, madola mabiliyoni mabiliyoni ambiri ndi olemba mabuku mu 2007-09 adafafaniza ndalama zapadera zaka 2-3. Merrill Lynch wakhala akugwira ntchito mopitirira muyeso kwa zaka makumi awiri zapitazi, ndi ntchito yonse yomwe ikuyenda pakati pa 40,000 (mu 1987 ndi 2003) komanso pamwamba pa 60,000 (mu 2001 ndi 2007) ogwira ntchito. Kuchokera kwa Merrill Lynch ndi Bank of America kwadodometsa ndalama za kampaniyo koma masamba ndi mafunso onena za tsogolo labwino. Chitsanzo chimodzi cha chisokonezo ichi ndi chisankho chaka cha 2009 chotsitsa chizindikiro chodziwika bwino cha njuchi, chimodzi mwa zizindikiro zodziwika bwino pamalonda kulikonse ndipo motero ndi gawo lofunika la Merrill Lynch chizindikiro, potsatira zotsatira za kusintha kwa 2010, ndi msonkhano watsopano wotsatsa chovala cha ng'ombe.
Malipoti osiyanasiyana akuwonetsa kuti chiwerengero chachikulu cha akatswiri a zachuma a Merrill Lynch adasokonezeka ndi kayendetsedwe ka kayendedwe ka bungwe la Bank of America. Makampani ogulitsa chuma akuoneka kuti akhala ogwira ntchito okongola a alangizi a zachuma a Merrill Lynch omwe ali ndi mabuku akuluakulu a bizinesi .
Mavuto aakulu pakati pa aphungu a zachuma a Merrill Lynch ndi awa:
- Kuthamangitsidwa kwa makasitomala ang'onoang'ono ku Merrill Edge
- Akukakamizidwa kuti akankhire Bank of America mankhwala, mu galimoto yotulutsidwa pamsika
- Kuchotsa phokoso la Merrill Lynch chizindikiro mwa kugwirizana ndi mabungwe ogulitsa ndi ambirimbiri a Bank of America, makamaka pambuyo poti Merrill Lynch abwerere ku kupindula kwakukulu
- Kugonjetsedwa kwachinyengo pansi pa Bank of America chikhalidwe chomwe chimatsatira mwamphamvu malamulo ndi ndondomeko poika zofuna za osowa patsogolo poyamba (mwachitsanzo, gulu labungwe labanki lomwe limagwiritsa ntchito ndalama zoposa $ 2.5 biliyoni linatulutsidwa pothandizira makasitomala kulipira ngongole, ndondomeko ya malipiro a boma)
Mu 2014, bungweli linataya alangizi 45 oposa $ 18.6 biliyoni muzinthu zamakono. Ichi chinali chakuwonongeka kwakukulu kotere kulikonse. Mu 2013, Merrill adataya $ 10.1 a katundu wa kasitomala chifukwa cha kugonjetsa ogulitsa.
(Chitsime: "Merrill ataya alangizi omwe amayang'anira $ 18.6 biliyoni mu 2014," Investment News , January 8, 2015.)