Izindlela ze-non-yemali engukheshe ekhokhiwe kanti izinhlobo zazo

I ezimali umkhuba yemali kanye non-cash izinkokhelo kuyinto, mhlawumbe, enye yezindawo ezinkulu kakhulu amasayithi umsebenzi. On indlela efanele, ngokunembile, ngendlela esifike ngesikhathi, yenziwa kuxhomeke kakhulu izinga zonke ezimali.

Ngaphansi isigaba "izinhlobo ze-non-inkokhelo yemali" kusho lomthetho ukuze futhi ukuhamba komsebenzi izinqubo, khomba non-cash ukuthengiselana lokukhokha. Ukusungula amafomu ukhonkolo wenza CenterBank WaseRussia, elawula kubo ngaphansi kule mikhakha elandelayo:

• Izibalo ezihlobene nokusetshenziswa lama-EFT;
• bodokotela izinhlamvu wesikweletu;
• izibalo zenziwe amakhadi epulasitiki, okuyinto ekhishwe amabhange nezinye izikhungo kanye ilungelo ukwenza;
• izibalo eyenziwe isheke.

Cabangela la mafomu ka cashless izinkokhelo kabanzi.

Izibalo ezihlobene ukubulawa lama-EFT kuthiwa sakhiwe iqoqo imisebenzi elandelanayo, ekhiqizwa esimweni ukudluliselwa isihloko oda yokukhokha ebhange. Ngesisekelo lezi ziqondiso, ibhange kwenza ukudluliselwa imali umzuzi. Umamukeli kule msebenzi ebhange, lapho i-akhawunti has ukudluliswa kwemali umamukeli ethize futhi okuyinto ichazwa umzuzi. Kwaphela inqubo ukwamukelwa yasebhange - ukuthola umyalelo ukukhokhelwa othunywe ebhange ethunyelwayo. Esimeni lapho akhawunti ohlomulile umthumeli futhi ibekwe endaweni isikhungo yasebhange, bona uvumelane kumuntu oyedwa. Hlukanisa emkhatsini namakhadi emali EFT.

lezo zinhlobo izinkokhelo cashless, kokubili izibalo obubhalwe izinhlamvu wesikweletu, ukuhlinzekela ukubamba iqhaza kuzo:

• kuncike othi ebhange isicelo ukuvula incwadi wesikweletu - ibayala party;
• yasebhange isikhungo, okuyinto kuvula incwadi wesikweletu - ebhange elikhiphe;
• Yomhlomuli - isikhungo yasebhange likabani umusa izindlela eqondisa;
• Bank, okuyinto ohilelekile ukuqaliswa ukusebenza sokudlulisela umzuzi - wazisa ebhange.

Izincwadi wesikweletu, futhi kuncike ekutheni zihilela izinguquko nokuqukethwe kwalo noma ukuhoxiswa, ayinakushintshwa futhi revocable. Ngakho, revocable kungashintshwa ngisho engekho umzuzi isaziso. Ngokuphambene, lokhu kuyinto ukuzinikela singenakushintshwa ukuthi ayikwazi ukushintshwa wawungenalutho uma kungazange wathola imvume esemthethweni ye amaqembu. Nakuba ngokufeza ukuthengiselana ngendlela, kucatshangwa ukuthi iyiphi incwadi Ikhredithi singenakushintshwa ekuqaleni, uma omunye isimo ephawula isimo sakhe njengoba kubekiwe umbhalo wayo.

Izibalo by amasheke kukhona lezo zinhlobo cashless izinkokhelo, lapho isheke siqondwa esinqunyiwe ifomu nokuvikeleka iphepha, lapho wathi lokuzula ukuze afeze ukusebenza okuxhunyanwa nemali ethile of umnikazi isheke. Lezi izinkokhelo esikhathini esiningi eyenziwa osomabhizinisi kanye osomabhizinisi yangasese, ngubani lingama umnikazi isheke, kanye nabantu abayingxenye lesi senzo inqubo njengoba ekhabetheni.

Izibalo usebenzisa amakhadi evame kakhulu plastic manje ukuhlinzeka ukuthi leli khadi kuyinto insimbi yenkokhelo zomthetho ngawo abanikazi unekhono ukwenza izibalo kanye ukuthola imali. imisebenzi enjalo kuhilele ukuba khona uhlelo olulodwa enobunye, isakhiwo zazo zakha amabhange ukuthi ukukhipha amakhadi epulasitiki kanye akhawunti abanikazi bawo.

Ukuze sibonakalise izinhlobo kubhekwa zemisebenzi, eyenziwa accounting izinkokhelo non-cash. Le akhawunti iyingxenye egxilile ifomu ezimali.