Akhawunti umlobeli

Imibiko akhawunti - uhlobo akhawunti ukuthi ibhange kuvula kwelinye isikhungo lesikweletu noma uMnyango Central Bank ukuze sibonakalise izibalo abazenzi esikhungweni isikweleti esinjalo egameni kanye ngezithukuthuku ebhange.

Base ukuze uthole okwenzekile akhawunti umlobeli liyindlela efanele umlobeli sivumelwano waphetha phakathi nesithakazelo credit izikhungo.

Kulesi inkontileka bayoba izibalo, ukuxhumana ukuze nokubala mode, imisebenzi kanye namalungelo lomuntu ngamunye, icala futhi unswinyo yokwephulwa nezibopho, izimo ukuthola imali ukusetshenziswa kwe-akhawunti umlobeli, ukukhokhwa yocingo, leposi kanye nezinye izindleko, ubude kanye indlela ekunqanyulweni ekuseni, njll

akhawunti imibiko Bank kungaba omunye izinhlobo eziningana:

• Nostro. Lena yi-akhawunti umlobeli egameni ebhange ummangalelwa (umphathi), ephumela ku ebhange umlobeli futhi wahlonishwa ibhalansi lwefa kuqala.

• Loro. Lokhu akhawunti yamanje, okuyinto ukuvulwa ebhange umlobeli ukuze ummangalelwa yayo yasebhange futhi sibonakala ngokwanda zalowo ukulinganisela kwaso ishidi. Loro akhawunti umlobeli esikhungweni semfundo isezingeni akhawunti isikhathi nostro efanayo ngesikhathi ibhange umlobeli.

• Vostro. Lena i-akhawunti ye-yathunyelwa ebhange lakwelinye izwe ebhange umhlali, ephumela noma yendawo noma lwemali ezweni lesithathu. Ngamanye amazwi, kungcono i-akhawunti efanayo Loro, kuphela kusebenza ongalwazi umlobeli ebhange.

akhawunti imibiko yasebhange empeleni yayo kwezomnotho uhlobo idiphozi funa idiphozi. On imisebenzi kufana akhawunti yamanje yenhlangano, kodwa ikhumbula izici umsebenzi yasebhange.

Ukulandisa okunjalo ngamabhange ubambe kokubili izimali bakhangwa kanye siqu ukuthi sebedlule khulula okwamanje. akhawunti imibiko ubambe sasivumela ibonisa anhlobonhlobo ukuthengiselana.

Okokuqala, kungenxa ukuqaliswa kokusebenza ukheshi, credit kanye settlement nezinye kwamakhasimende ebhange. Lokhu kuhlanganisa lokuqoqa nokunikela izimali ngenxa ukuthengiswa kwezimpahla ezihlukahlukene nemisebenzi, kanye nokukhokhwa kwezintela nezimali, imisebenzi kanye nezimali, okuyinto zenziwa esivuna isabelomali, izinkampani zomshuwalense, izimali ze-non-mali, kanye nabanye.

Othile ingxenye imisebenzi ehlobene ukwamukela kwezidingo amakhasimende yemali ngenhloso yokuphatha kanye neyomnotho kanye Ukukhishwa amabhonasi kanye amaholo abasebenzi. Futhi phezu amarekhodi akhawunti umlobeli ukuthengiselana eziphathelene ethengiwe noma ukuthengiswa kwamatayitela, lwemali noma ukudluliselwa izidingo inqolobane, kanye imisebenzi interbank imali kanye loans. Ngaphezu kwalokho, i-akhawunti okuhambisanayo isetshenziswa ukubonisa nokuqhutshwa kwebhizinisi ebhange, isibonelo, izindleko zokuphatha, izinkokhelo isabelomali. Futhi, ngenxa yanoma yisiphi sinemali eyengeziwe, njll

Ngemva basayine isivumelwano phakathi Amabhanga Amabili umlobeli ngamunye kubo ukuvula umlobeli akhawunti, usingethe ethile imali. Phezu kokuthola kuqala yasebhange inkokhelo ukuze ikhasimende ukuze uthumele imali ebhange akhawunti uzakwabo imibiko, ke ukudonswa kwemali lemali elihambisana kusuka akhawunti yekhasimende nokudluliswa yona umlobeli akhawunti yasebhange yesibili. Ibhange yesibili kwenza ukudluliselwa isamba ekulandiseni ebhange ummangalelwa akhawunti umamukeli yokugcina izimali.

Ngokuvamile, lemali ku-akhawunti nostro futhi vostro avulekele ngokuvumelana nesivumelwano umlobeli phakathi amabhange ezimbili, ahlale engaqhathaniswa ngokuhamba kwesikhathi njengoba izinkokhelo ngokuvamile "meet". Nokho, lokhu akusho ukuthi umuntu ebhange khulula iqala ukuboleka komunye ngesikhathi kumiswa umehluko okukhulu phakathi amanani ku-akhawunti. Le akhawunti ukungalingani kuqondaniswe umlobeli e RCC.