Akhawunti yasebhange: izinhlobo kanye nezici. Indlela yokuvula i-akhawunti yasebhange

Kuze kube manje, bambalwa kakhulu abantu abahlala ngaphandle amakhadi epulasitiki kanye imali. Zonke zokukhokhelwa ngezimali kwenzeke ngokusebenzisa inhlangano yasebhange ye-lula futhi izinga lempilo. Into esemqoka - ngobuciko sebenzisa ama-akhawunti, bese ikhadi plastic kuyoba yithuluzi elinamandla ezandleni zakho. Kwabo kukhona izinhlobo eziningi ngamunye wabo, eqinisweni, kuzoxoxwa ngakho kulesi sihloko.

Ithuluzi yomuntu yesimanje

Okokuqala sidinga ukuqonda okushiwo linamathele akhawunti ibinzana yasebhange. Okokuqala, uhlelo oluhlala izimali ze-non-ukheshi amabhizinisi kanye ngabanye, kanye ezezimali e umsebenti wetemnotfo. Ukuze afeze kwemali, ngokuvamile amaklayenti ukuvula izinhlobo ezahlukene akhawunti asebhange okuyinto zinokuxhaswa ngokomthetho. Ziyakwazi umthombo ngezimali kanye uhlobo umsebenzi amaklayenti ngamunye. Vula kuncike imigomo yisakhamuzi.

ngezigaba

Lezi zinhlobo ezilandelayo akhawunti asebhange:

1. akhawunti yamanje - ezidingekayo ukusebenzisa ibhizinisi. Ngosizo lwabo, zenzeka amakhredithi izimali ukubala nosonkontileka nabahlinzeki, nokudluliswa ahlukahlukene, ukuthengiselana nge-credit izindawo, kanye nokukhokhwa amaholo kanye nabasebenzi. Ukuvula i-akhawunti yasebhange ungenza njengoba inkampani futhi umuntu ngamunye ukwenza zokukhokhelwa ngezimali, okuyinto zihlobene ngokuqondile kwezomnotho.

2. Transit. Njengomthetho, bajwayele sokubalwa ukuthekelisa nomholo, okungase ukuthengisa uma uma kukhona izimo yesivumelwano. Le akhawunti kungaba ngokuthi okwesikhashana. evulekile wayo njengenhlangano adjunct exchange.

3. yamanje. Kuyadingeka ngabantu abayizakhamuzi ezejwayelekile noma izinhlangano kwezohwebo. Njengomthetho, elamukelayo imali ukuthi kungaba zisuswe ngokusebenzisa i-ATM noma ebhange cashier.

4. Idiphozithi. Kuyinto ngaphansi inkontileka futhi senzelwe amathuluzi ukugcina.

5. Loan - esetshenziswa sokubolekwayo kumakhasimende, ikhumbula ukubuya.

6. Exchange akhawunti ebhange. Liyadingeka kwemali lapho esebenza amathuluzi, kwetfulwa izimali zakwamanye amazwe. Ngalo ungakwazi kalula ukukhokhela izimpahla kanye ukudluliswa kweemali amasevisi athile.

7. Card. It ukhonza ukudlulisa izimali usebenzisa ikhadi lokuthenga ngesikweleti.

Izinhlobo akhawunti ivulekile ebhange, ibhaliswe futhi olunezinombolo. Kufanele kucatshangelwe. Okokuqala wavula njengoba umthetho, iphakethe ejwayelekile. Ukusebenza nabo awunakuba khona ngaphandle kokuthethelela nekwetfula omazisi. Ilayisensi isetshenziswa ukukhulisa Ukuvikelwa kwemibhalo kanye cash iklayenti ngamunye. Ukuvula i-akhawunti enjalo, kumele usebenzise i-cipher ethize, ikhodi digital efihla lonke ulwazi lomuntu ofake isicelo. Le khodi kuphela aziwa bebhange kukhethwa ibhange iklayenti. amagama schema kanye nama-akhawunti olunezinombolo isakazeke emabhange Swiss futhi enokwethenjelwa kakhulu.

akhawunti ekhethekile amabhange isikhathi esifushane

Uma udinga ukuvula i-akhawunti isikhathi esingenasiphelo, sebenzisa idiphozi term. Njengomthetho, uyivule isikhathi esingangenyanga ukuze iminyaka emibili. Kungaba isikhathi eside. Nganoma yisiphi isikhathi ungakwazi asibasela, kodwa ubungozi bokulahlekelwa inzuzo zanqwabelana. Futhi isebenza i-akhawunti yasebhange ngokufunwa, lapho ungakwazi ukufaka ngosuku olulodwa ethile imali bese beyikhipha noma nini uwadinga. Ukuyivula, kufanele wazi ukuthi isithakazelo litshajwa sakugcina kakhulu. Namuhla singaba lokuvula ama-akhawunti aseMelika, euro futhi ruble Russian. Ngosizo multi-ezifakwa Ungakwazi ukuguqula lwemali olulodwa kwesinye. Kuyinto elula kakhulu kulabo nokuvakashela noma uya ngenxa yebhizinisi phesheya.

izimali zakwamanye amazwe

Ngaphansi kumagama izimali zakwamanye amazwe imali yamaphepha ukuzwisiswa, waqaphela ithenda zomthetho, isimo esifanele angaphandle. Uma imali yamaphepha ahoxiswa kusukela kwegazi noma ekujikelezeni - abakwazi ngokuthi izimali zakwamanye amazwe. akhawunti lwemali sidaliwe ngezinhloso ukundlulisa futhi ukukhokhela izimali. Ngaphandle-ke, kukhona idiphozi noma idiphozi ukugcina ezezimali etholakalayo. Imali ingenzele ikhasimende yasebhange ngesisekelo inkontileka esisemthethweni. Lithi iqembu, okwakuthatha isizumbulu semali etholakele zimali noma isibopho yilowo otshale izimali ukwenza ukubuyiselwa imali ukuze ukukhokha inzalo ngesilinganiso kubekiwe inkontileka.

ukubiza inzalo

Ngaphezu kwalokho, ukuhlukanisa akhawunti yasebhange abantu abaningi ababebonisa isithakazelo. Kunezinhlobo eziningana. Okokuqala - nyangazonke. Inzuzo yengezwe ku igalelo eziyisisekelo kanye ngenyanga. Esimeni sesibili, isithakazelo likhokhelwa kuya depositor ekuvuthweni futhi wanezela ngokwawo Inani eliphelele idiphozi. Inketho wasithathu, umhla ungakhetha, okwenza out idiphozi - emva kwezinyanga ezintathu. Uzothola iphesenti okomnikelo isonto ngalinye, izinyanga ezintathu noma ngisho izinyanga eziyisithupha. It kuncike yasebhange oyikhethile noma umnikelo ethile. Kumelwe sikhumbule ngaso sonke ukuthi kuvulwa iyiphi i-akhawunti yasebhange, wena kudingeka ukuba ukhokhe imali omncane. Ngasinye isikhungo sezezimali lihlukile futhi kuhluka ruble eziyikhulu kuya abangamakhulu ezinkulungwane eziningana. Kodwa ezimweni eziningi lemali akuyona ezingaphezu kuka-10 eziyinkulungwane ruble Russian.

Kungani sidinga i-akhawunti wamanje?

Ngaphansi komthetho wamanje, ngokusobala ukuvulwa kwaleyo akhawunti yasebhange akulona ngempela, Nokho, unikeza ithuba elihle kakhulu ukuba afeze izinkokhelo ze-non-cash ezinye PIS. Ngamanye amazwi, iyiphi imisebenzi yemali eyenziwa ngale ndlela, banikezwe ilungelo ukusungula amabhizinisi abo, kuyilapho engenamsebenzi ngaphandle sicindezela amakhasimende. Uma une-akhawunti yakho siqu, ungakwazi ukuzibandakanya emisebenzini yebhizinisi ngokugcwele. Kungaba ayovulwa ku yisiphi isikhungo yasebhange, kungakhathalekile endaweni sokubhalisa yokuhlala noma indawo lapho ibhizinisi likhona. Uma SP uvala noma kuvula i-akhawunti yasebhange, kuyadingeka ukuze sikwazise ehhovisi lentela, futhi zingakapheli izinsuku eziyishumi, kungakapheli. Ngakho, usomabhizinisi kumele kube kwifomu ekhethekile ukwenza isitatimende esibhaliwe, okuyinto ithunyelwa ehhovisi lentela. Uma kakade client lenhlangano yezezimali, futhi kuyadingeka ukuthi luvimbele intela, ekhombisa lapho ibhange i-akhawunti yamanje livulekele sokubhaliswa njengomsebenzi FE.

Ekuphetheni isivumelwano (ngesikhathi kudalwa / c) odinga ukukwazi ukuthi isikhungo yasebhange ubophekile ukuba amukele futhi credit imali esikhwameni onawo. Ngesikhathi esifanayo izikhungo zezimali Unelungelo bachithe imali eziku-akhawunti yakho yamanje. Ake sixoxe ngokuningiliziwe ngalokhu.

zokulawula nohlaka olubhekele, futhi yini okufanele unake okukhethekile

Okokuqala, cabanga ngelithi zalowo ibhange ekuphetheni isivumelwano:

1. inkokhelo ongenaziphazamiso yemali kungakapheli isikhathi esibekiwe ecacile neqondile.
2. Inkokhelo zenzuzo iqiniso lokuthi inhlangano yezimali isebenzisa imali iklayenti sika. Zokukhokha, okuyinto zinikezwa inkontileka, futhi ukukhokhelwa ekupheleni ikota ngalinye;
3. Ukuqala kokusetshenziswa imisebenzi nama-akhawunti amakhasimende ', uma umthetho.

Uma uhlela ukuba uvule i-akhawunti yasebhange (SP), silalela iqiniso lokuthi yisikhungo sezinhlangano eziphambili zezezimali musa Unelungelo ukudalula esichithwa imisebenzi ke. Bazi ukuthi banesibophezelo nokugcina imfihlo maqondana amaklayenti ngamunye. Imininingwane mayelana laluphi zokukhokhelwa ngezimali bangathola kuphela umnikazi noma kummeleli wakhe. Uma usuvule i-akhawunti yasebhange inkampani, ibhange anganikeza abasebenzi esidlangalaleni komthetho noma ezinye izikhulu ze-ulwazi ayathanda. Kodwa! Kuphela kulezo zimo zinikelwa mthetho osebenzayo.

Ngakho, ukuvula i-akhawunti wamanje enkampanini yezimali, kubalulekile ukuba banamathele zokulawula nohlaka olubhekele, wabutha wonke amaphepha adingekayo, ukubhalisa kanye intela. Uma uhlela bebodwa ukuvula i-akhawunti yasebhange osomabhizinisi, lo mzamo akunakwenzeka ukuba aphumelele. Ngenxa yalokho, ibhange ilungelo lokumisa ukufinyelela isikhwama electronic umuntu osemthethweni noma ezingokwemvelo. Kungcono ukuba baphendukele ochwepheshe abazi ibhizinisi labo. Bayoba ukukunikeza izikhungo zezimali ofanele futhi ulungiselele wonke amaphepha adingekayo.

Futhi akhawunti ekhethekile-injongo yasebhange

Sicela uqaphele ukuthi ngenxa akhawunti jikelele, ungenza ngokuphelele iyiphi imisebenzi cash yabo. Nokho, kukhona imikhawulo ethile ebekwe imithetho futhi yibhange uqobo. I-akhawunti yamanje, okuyinto sekushiwo, libhekisela jikelele. Kuyinto enkulu futhi sihlinzekela ukuhambisana nezimfuneko ezithile zokulawula. Ukuze uyivule, ikhasimende kumele anikeze amadokhumenti alandelayo: isitifiketi sokubhaliswa intela, kwi ukubhaliswa isimo esemthethweni noma umuntu wemvelo sokubhaliswa njengomsebenzi usomabhizinisi ngabanye.

Kuyadingeka ukuba acabangele yokuthi inombolo yama-akhawunti wamanje, okuyinto unelungelo ukuvula iklayenti, akugcini umthetho osebenzayo. Izinhlangano neenkhungo babe ahlukene emahhovisi, ezitolo nasezindaweni ezigcina impahla, kungavula sub-akhawunti ukwenza ukuthengiselana kanye ukudluliselwa ngenzuzo endaweni amayunithi abo. Lokhu kuyisici esibalulekile ukuze kucatshangelwe. Ngu komnikazi akhawunti ukwenza umsebenzi ukwabelana ukukhiqizwa. Zisetshenziswa imisebenzi evuma kwezimali, kanye nezindleko ezihambisana nokukhokhwa kwentela, izivumelwano impahla, njalo njalo.

Ngokungafani jikelele, ama-akhawunti ekhethekile ukunikeza ukusetshenziswa abahlosiwe kwezimali ekhona. Ngaphezu kwalokho, ukuba yisikhonzi ezokwenza ukuqapha.

Ama-Akhawunti ye izinhlangano ezingokomthetho ebhange

Ukudala / c enhlanganweni yasebhange kumele athumele amaphepha ezilandelayo:

• wokusungula imibhalo;
• ka yokubopha yokubhalisa;
• ikhadi;
• ilayisense (imvume ekhethekile), ngokuvamile esikhishwe enhlanganweni engokomthetho ngokuhambisana nomthetho;
• amadokhumenti ziqinisekisa amandla legunya elikhulu;
• asemthethweni, okuyinto ukuqinisekisa amandla abantu abashiwo ekhadini. Basuke bavunyelwe bachithe izimali, okuyizinto kwi-akhawunti inhlangano engokomthetho.

Kumele kuqashelwe ukuthi lezi zinhlobo akhawunti yasebhange ezikuvumela ukwenza imisebenzi eminingi ube izindlela eziningi. Umsuka kusemthethweni futhi ngokwengxenye esinqunywe umthetho. Esesibili - a ekhethekile. Njengoba ojwayelekile, setha inkontileka esisemthethweni noma ngokomthetho.

Special umbuso kwezomthetho Kumiswa ngebhajethi, izimali zakwamanye amazwe, le ruble (e Russian Federation), idiphozi futhi akhawunti yekhadi. Lapha ibhange ukwenza kuphela ekukhuliseni izimali zemali hhayi ukugcina kwabo. Umgomo oyinhloko ukuze uwasebenzise njengasemuva izinsiza ngezezimali obolekisayo. Lapho ibhange lenza into, lokhu akusho ukuthi lokucabanga noma yimuphi umthwalo yenze isenzo ukuthengiselana ezithile, efanele ikhomishini yomthethosisekelo noma ikhomishini. IBhange ophethe umthwalo ukuba benze ukuthengiselana lokukhokha esikhathini esizayo, uma kungaba isidingo. Kufanele ukuthi ibhange alinalo ilungelo lomthetho ukuze senqabele iklayenti esitokisini isiphetho ukuthengiselana uma ukuwugcina ngokuphelele, okuyinto umthetho, sihlanganise lonke izindleko imali.

Ukuze uvule i-akhawunti yasebhange ukuze LLC, kufanele ugcwalise eziningi amaphepha, amakhophi kwasayinwa kwemibhalo ephambili. Kukhona futhi izinkampani ezinikeza izinsizakalo zabo ukuze wonge isikhathi sakho. kwezomthetho abanolwazi kuyokulethela usesikhathini, uyoncoma igatsha elihle, uphe idatha yakho. Aphendukela ngisho uchwepheshe, kufanele sinake lezi zinhlobo ezilandelayo akhawunti asebhange futhi izivumelwano:

• Isivumelwano Framework - Ukucutshungulwa zokuhlala imisebenzi, okuzokwenza kwenziwe esikhathini esizayo;
• amasevisi, ebekiwe inkontileka - akhawunti balance, okuzokwenza njalo ukushintsha ku esikhwameni sakho electronic;
• uhlobo ezimele - ezisalayo.

Highlights

IBhange buthakathaka ubophekile ukuba enze wonke umklamo kuthengiselana ngokuhambisana inkontileka esisemthethweni. Isici esiyinhloko ichaza injongo wezomthetho akhawunti asebhange futhi non-cash izinkokhelo.

Imisebenzi eyenziwa, zombili izinhlangothi nesivumelwano - isikhungo credit, kanye ngokuqondile iklayenti. Ibhange liyadingeka unelayisensi. Physical, zikahulumeni, zomthetho (kokubili Russian futhi umuntu wangaphandle), zisebenzisa amasevisi ongenza ukuthengiselana lokukhokha. I-akhawunti siqu ebhange senziwa usebenzisa inkontileka, okuyinto idokhumenti olulodwa. Nokho, ukungezwakali kwawo akusho ukuthi ubuhlobo nezivumelwano engakaze iyawakha. Uma ikhasimende uhambisa isicelo ukuvula i-akhawunti yasebhange inkampani, wenza umnikelo. Ukwamukelwa kuphela ngemva isiginesha ikhanda.

izikweletu yasebhange

IBhange has izibopho amakhasimende. Okokuqala, kufanele ukuqondisa zonke ukuthengiselana izimisele. Lokhu kusho ukuthi uhlelo yasebhange kumele ungenele izimali nokubhala zibayise. Okwesibili, isikhungo sezezimali kumele ngokushesha ukushaja ikhasimende imali isiphetho daba, ngaphandle kokuphelelwa imali imisebenzi, okuyinto ukukhonza izithakazelo iklayenti. Okwesithathu, yasebhange iyadingeka ukuze ukhokhele ikhasimende ngalinye ukulinganisela ku-akhawunti yakhe. Okubalulekile Kuyaphawuleka ukuthi ukulandisa izinkampani emabhange besesandleni Ukuvikelwa esiqinile. Okungukuthi, ibhange ubophekile ukuba ugcine imfihlo hhayi ukudalula imininingwane siqu besithathu iklayenti eziphathelene izinkokhelo namafa zezimali, okuyinto afakiwe ku-akhawunti yakhe siqu. ukuqaliswa ngendlela efanele ngesikhathi esifanele ukuthengiselana lokukhokha kuhambisana zonke oda zomthetho yasebhange osungulwe futhi imigomo elisekela yokukhokha.

Ngaphezu kwalokho, ibhange kumele, kungakapheli isikhathi esithile ukukhiqiza ekubhalweni, okuyinto abhekiswe iklayenti, ngokuhambisana idokhumenti ibalwa. ukudluliselwa Ithemu kwezimali kuma-akhawunti ekhethekile amabhange kumele singeqi ngosuku olulodwa. Lesi simo kuphela zigcwaliseke kwenzeka ukuthi inkontileka has lekhontile namagama eyayifunwa umthetho.

Kuzo zonke izinhlobo zama-akhawunti yasebhange, njengoba umthetho, zenziwa izivumelwano ezifanele, zombili izinhlangothi (kumnikazi ohlelweni Banking) babe ngaphansi okuyinto izibopho ezithile. Omunye wabo kuqala izinkokhelo. Ngokuhambisana nomthetho, ngosuku olunqunyiwe kufanele libukwe ukulandelana bhala-off kwezimali abanikazi imibhalo efanele.

Kukhona imithetho emibili ukuthi ukucacisa okumele kuqalwe. Eyokuqala - okusele kwanele ngokugcwele sihlanganise lonke elase-isicelo. Kulokhu, imibhalo kumele sikhokhwe ngokuhambisana kwekhalenda inkokhelo elandelayo. Umthetho wesibili kunqunywa yokuthi esimweni a eshodayo kwezimali zonke izimfuneko izokhanselwa ngokuzenzakalayo. Khona-ke kumelwe umnikazi agqoke akhawunti yasebhange ethile. Ngoba umthetho okufana yesibili inikeza amaqembu ayisithupha ahlukene non-cash izinkokhelo:

1. Ibhalwe off imibhalo ukukhokhelwa ukuhlinzeka izinkokhelo izimali wombuso kanye ibhajethi. Zivame adluliselwe eyongamele imiholo zabasebenzi amaqembu olusemthethweni.
2. Bhala-off ngokunqaba amadokhumenti kukhona izinkokhelo mali, kanye nemali extra-kwesabelomali. imisebenzi enjalo lwenziwa esigabeni sesithathu.
3. Bhala-off ngokunqaba amadokhumenti bakha Ukukhishwa kwezimali kuma-akhawunti ukuze sikwazi ukumelana nezidingo ukunxeshezelwa umonakalo kwabangelwa baphile futhi babe nempilo. Lihlanganisa entweni ukondla obushade naye emuva kwesehlukaniso.
4. Bhala-offs empikiswaneni ezezimali sokubalwa severance izinkokhelo, kanye ukukhokha umsebenzi kubantu abasebenza ngaphansi inkontileka. Siphinde sihlinzekele ukukhokha amaholo ebekiwe inkontileka kombhali.
5. Ukudonsa, okuyinto zingaba kulayini ikhalenda.
6. Ukukhansela esiphezulu imibhalo bahlangabezane nezimfuneko zezimali.

Kungakhathaliseki ukuthi hlobo luni akhawunti ukhetha, uhlelo unelungelo ukulawula ukusetshenziswa imali yakho nokudluliswa. Lokhu kufanele ukukhunjulwa njengombulali entweni ephoqelelwe ebekiwe inkontileka. Futhi, ibhange lingakhetha neminye imikhawulo engamboziwe umthetho noma sivumelwano. Lokhu kusho ukuthi imali kungakulethela bachithe ohlelweni Banking ngokuzikhethela kwayo, kanye akhawunti izinhlangano emabhange Awekho okuhlukile ngokuqondene nalo mthetho.

izibopho iklayenti

I Client ubophekile njengoba kokhelo zokuhlala kanye imali nezinsiza ukukhokha isamba esithile. Futhi, ngenxa yesivumelwano eyayibekiwe, ikhokhwe ukuthengiselana ngokugcwele kwi-akhawunti ebhange, bophezela ukudluliselwa kwezimali agcinwe kule akhawunti yomnikazi. Ukusayina inkontileka, ikhasimende uyavuma unikeze ikhava imali imali zokuhlala imisebenzi, eyenziwa inkokhelo yemali noma ukudluliselwa okuvela kubantu besithathu. Kufanele kuqashelwe ukuthi umnikazi inelungelo hhayi ukutshala yonke imali yabo ukuze i-akhawunti ethile yasebhange. Naphezu kwakho konke lokhu, emshiya ke imali eyanele ohlelweni Banking aphethwe cash futhi isiphetho imisebenzi.

Ukwahluleka okuthobela nanoma migomo nemibandela, ibhange unelungelo eligcwele senqabe afeze ukuhlanzwa kanye settlement imisebenzi kanye nezinye izinsizakalo. Kulokhu umnikazi akaphoqelekile ukutshala izimali zabo ku-akhawunti yasebhange, izinhlobo zazo ingahlolwa ekuqaleni kwalesi sihloko. Libuye ekunqanyulweni kungenzeka yesivumelwano, uma esele ngezansi lemali edingekayo. Njengomthetho, amakhasimende ukuthola isixwayiso esifanele.