Ngamabhange kukhona United Arab Emirates

amabhange Commercial e-UAE abizwa ngokuthi izinhlangano ilayisensi ukuqhuba imisebenzi yasebhange commercial ngokuhambisana nomthetho noma oda mphathi iyinkampani isitokwe. Okuhlukile mthetho ningamagatsha amabhange angaphandle ezisebenza UAE.

amabhange Commercial e-UAE zihlukaniswe ngezigaba ezimbili: wendawo okuhlangene isitokwe amabhange kanye namagatsha amabhange angaphandle. Ngokomlando, amabhange kazwelonke angaphandle samanje kakade UAE ngaphambi kumiswa ngo-1973, Wemali Committee United Arab Emirates, futhi ngenxa yalokho, ngaphambi kokudalwa Central Bank of the UAE. Ezimweni ezinjalo, inombolo amabhange namagatsha awo e-UAE wakhula kakhulu futhi okusheshayo i disproportion sobala ne amakhono emakethe. Lokhu kwashukumisa iziphathimandla yemali uqukethe ngaleso sikhathi lokukhipha amalayisense amabhange amasha futhi afeze amagatsha amaningana amabhange angaphandle ukunciphisa ezombusazwe lungene amayunithi eziyisishiyagalombili.

Kusukela ngo-January 1, 2012 e-UAE abikwe, futhi zaba ngu-23 amabhange yasekhaya (kuhlanganise ezinhlanu Islamic) namagatsha 28 amabhange angaphandle.
Umbandela esiyinhloko ekulinganisweni izinhlangano ukuba ngamabhange ukuthi izinsiza Ukukhishwa ukubolekisa kanye nentuthuko amabhange kwekhomeshini lubohlo edonsa ezifakwa (baningi ezifakwa (noma ukufuna idiphozi), isaziso futhi fixed eside) eqhamuka kubantu kanye nasezinhlanganweni kumakhasimende ezinkampani, kanye ngokubeka ku izikweletu emakethe amathuluzi (izikweletu, amabhondi, izitifiketi zezimali ezitshaliwe). ngamabhange nazo libhekene imisebenzi zokukhiqiza iqoqo amasheke, inhlangano zomphakathi kanye nezizimele ukubekwa izibopho, zezimali angaphandle namatshe ayigugu nezinye ukuthengiselana yasebhange kuvunyelwa umthetho noma eshukunyiswa evamile yasebhange umkhuba.

UAE Central Bank eBhodini Labaqondisi inquma isiqondiso nobubanzi imisebenzi commercial amabhange nge ilayisensi anemikhawulo futhi, uma kunesidingo, ubeka amacala non-ayanda kubo izinhlinzeko zomthetho ku ngamabhange.

inhlokodolobha Paid-up ibhange commercial kazwelonke e-UAE akufanele kube ngaphansi kuka-40 million dirhams (mayelana US $ 10.9 million.). Amagatsha amabhange angaphandle ziyadingeka ufakwe Central Bank of the UAE lemali elilingana e lwemali ngokukhululekile Convertible njengoba zempahla semisebenzi yasebhange. Okudingekayo ukuze inani lemali elincane inhlokodolobha ebhange commercial ingase ibukezwe ngokusikisela UAE Central Bank eBhodini Labaqondisi evunywe uMkhandlu woNgqongqoshe. Oda Executive liyakushunyayelwa kunyatheliswe kuyi-Official Gazette (The Official Gazette). Endabeni ukunciphisa inani capital ngezansi ezingeni eyasungulwa umthetho Central Bank of UAE neKomidi inquma usayizi eshodayo futhi umisa yasebhange eside ubuyise dolobha usayizi edingekayo. Le nkathi singadluli unyaka owodwa. IKomidi eliPhezulu unelungelo okukhethekile ukubhekana nalolu hlobo lwezindaba.

Lapho umKristu enquma ukuthi unike amalayisense yasebhange ukuze ngamabhange Central Bank of UAE elawula khona bezimiso zawo somthethosisekelo idiphozi yonyaka ka-10% inzuzo net ngokuthi izabelo ezikhethekile nje nesabelo awufiki ezingeni 50% capital ikhokhwe-up noma okufana naso lwemali ngokukhululekile Convertible, isingathwe Central yasebhange amagatsha UAE amabhange angaphandle.
ilayisensi Banking - isimo adingekayo kuqale ebhange zentengiso. It ikhishwa yisinqumo se Usihlalo Central Bank of the UAE, noma eBhodini Labaqondisi ogunyaziwe eBhodini Labaqondisi ngenkululeko umuntu nge ukushicilelwa kolwazi olufanele Official Gazette kanti ukungena ebhange ilayisensi, Central Bank of the UAE enakekelwa ebhukwini. Uma kwenzeka yokwenqaba ikhiphe isexwayiso ilayisensi ukuthi umphumela othunywe Bank kumfakisicelo zingakapheli izinsuku 15 kusukela ngosuku isinqumo mayelana nokwenqaba.

UAE Central Bank eBhodini Labaqondisi inquma oda esibophezelayo yereferensi amabhange for Ukukhishwa kwelayisensi, uhlu kwemibhalo kuhanjiswe nolwazi, kanye kuvulwa amabhange igatsha lawo imithetho (kuvulwa amahhovisi amasha e-UAE noma phesheya, nokuwahumushela kolunye nakwezinye izindawo, lokuvala).

Noma yiziphi izinguquko ukuze Statute wamabhange oyakungena force ngosuku sokubhaliswa kwalo encwadini okubhalwa esekelwe isinqumo kokulawula Central Bank of UAE. izicelo Kunqatshiwe ukuze izinguquko ngezimiso yokubhalisa kungenzeka badlulisela icala Central Bank of IBhodi UAE sika Labaqondisi, ogama isinqumo singu mnqamulajuqu.

Ukupheliswa nokusebenza ngamabhange (kuhlanganise ngokuqondene nokuhlanganiswa nomunye asebhange) uvunyelwe kuphela imvume ye Usihlalo Webhodi Labaqondisi noma umuntu ogunyazwe ukuba eBhodini Labaqondisi kwemvume yomuntu. Le mvume angeke ikhishwe kuze kube isikhathi lapho Central Bank of the UAE leneliseka ngukuthi umfakisicelo wagcwalisa zonke izibopho zayo ukuze amaklayenti nabantu abakweletwayo futhi ukuzilungisa ifomu ofanele Central Bank of UAE.

Commercial Bank Ekhethekile ezincwadini kulezi zimo ezilandelayo:

• ngesicelo ebhange kokuthengisa;
• uma ibhange ehluleka ukuba aqalise ukusebenza ungakapheli unyaka ukusukela ngosuku isaziso nokubhaliswa;
• uma ibhange saphela imisebenzi ngaphezu konyaka;
• uma ibhange kuthiwa ayinamali;
• esimweni ekubumbaneni nomunye yasebhange;
• uma kwenzeka ukuwohloka ezibucayi zezimali kanye creditworthiness;
• esimweni ephule ngokuphelele ýkhasýmende imithetho, iziqondiso, imiyalo, iziqondiso kanye neziqondiso olawula imisebenzi yasebhange kuleli zwe.

Commercial Bank of baxoshwe ebhukwini usihlalo ogunyaziwe noma umuntu ogunyazwe ngenkululeko eBhodini Labaqondisi. Isinqumo ukukhipha ebhange ezincwadini kuziwa phakathi force noma kusukela ngosuku yanyatheliswa kuyi-Official Gazette, noma kusukela ngosuku kukhonjisiwe isinqumo ngokwaso. Ngakho ilayisensi yasebhange ngokuzenzakalelayo Ubuyise kusukela ngosuku isinqumo ukukhishwa kwegama ibhange kusuka ebhukwini.

igama elihlukile yasebhange kusuka ebhukwini kwenza kube ukuvalwa ayimpoqo, ngaphandle ukugcwalisa izitatimende zasebhange ngaphandle kwalo kusuka ebhukwini. Ukumiswa Kwenziwa ngokuhambisana nemithetho efanele kanye neziqondiso eziqukethwe isinqumo ukukhipha ebhange ezincwadini.

Ngokuvamile kuba ukubeka izikhangiso on ukuvalwa okuqhubekayo ebhange commercial kuyi-Official kwiGazethi kanye nasephephandabeni okungenani ezimbili nsuku zonke kundawo ikheli wezomthetho ebhange. Lesi simemezelo kufanele licaciswe umusa isikhathi ukwamukela amaklayenti nabantu abakweletwayo izinyathelo ukuze kufezekiswe amalungelo abo, kubika igama liquidator, egunyazwe ukuba afeze izinkokhelo ku ezifakwa ezivelele kanye nezinye zokukhokhelwa ezingase zenzeke emva sokuvalwa yasebhange futhi elalikade amakhasimende kwakungenziwanga libike kungekho iziphakamiso.

Lapho ekucwileni ezikweletini ibhange ngenxa exclusion igama lakhe usihlalo irejista yasebhange noma umuntu ogunyazwe kuye esinqumweni sakhe ukuwakhipha kusuka irejista kungase kubonise usuku sokuvalwa ebhange kanye Igama lenhlangano, okuyinto esiphathiswe kwaqedwa hhayi ixazululwe ngosuku lokuvala amadili. CB UAE yengamela imisebenzi ebhange, e inqubo ukuqedwa, kuze sokuvalwa sokugcina amahhovisi ayo.
Nazi izinhlobo imisebenzi eyenziwa yi-UAE ngamabhange, kufanele kuphawulwe ukuthi zifana nokwenziwa komsebenzi we ngamabhange yamanye amazwe emhlabeni futhi esifundeni, futhi kubhekwa yithi, ikakhulukazi, i-athikili mayelana uhlelo yasebhange State of Qatar. Lapha kafushane izingqinamba zomthetho mayelana nokuqaliswa kokusebenza ezithile UAE ngamabhange.

Imikhawulo ngamabhange

Ikakhulukazi, ngamabhange banqatshelwe ukwenza imisebenzi yabo ezihlobene ukukhiqizwa futhi (noma) ukuthengiswa kwempahla. Ukukhethwa kuyinto yokwamukela izimpahla ukuqoqwa Receivables kuya counterparties ebhange. Nokho, impahla ngaleyo ndlela-etholwe ebekiwe ukuze lelisu ngesikhathi esinqunywe yiMenenja Commercial Bank.

Limited kanye ilungelo commercial amabhange ukuthenga izinto egameni lawo (ukusithatha yayo balance sheet) impahla, akuyona kwempahla esinqunyiwe (isevisi izakhiwo kanye izakhiwo, izindlu abasebenzi) noma impahla adluliselwe ngu okweletayo ukumkhokhela ebhange. Impahla wathola njengesikweletu offset, njengoba umthetho, ukuba lusebenze kungakapheli iminyaka emithathu kusukela osukwini othenge, kodwa period ukuqaliswa singase siwathole ngumphathi webhange kwezohwebo.

ngamabhange banqatshelwe ukugcina ophethe noma ukudayisa amasheya abo, ngaphandle uma yokuthola izinkokhelo zabo izikweletu. Kulokhu, kumelwe lithengiswe ingakapheli iminyaka emibili kusukela osukwini othenge.

ngamabhange angeke zithole amasheya noma izibopho abahwebi yangasese okweqa 25% imali ebhange sika siqu, ngaphandle esimweni yokufuna buyiselo ezikweletini. Kulokhu, kufanele izibambiso ngokweqile ithengiswe ingakapheli iminyaka emibili kusukela osukwini othenge. Lo mngcele awusebenzi ukuthengwa ukwabelana yasebhange commercial futhi izibopho okukhishiwe noma yibhange nguhulumeni noma isimo izinhlangano sikahulumeni.

Iqembu elehlukile, umkhawulo obolekisayo ukulinganiselwa abasebenzi executive ngamabhange amaklayenti ngabanye futhi izinto:

• Ukubolekwa kwemali kanye nentuthuko ukuze amalungu ebhodi yabaqondisi, abaqondisi zeminyango kanye nabanye abasebenzi abaphezulu ngaphakathi ezilinganisweni ku-akhawunti abo wamanje Bank ingakhishwa kuphela ngokuhambisana ukulinganisa ilayisense yonyaka ivunywe kuqala;
• amabhange ngeke avunyelwe ukuboleka kumakhasimende abo ukuqinisekisa ukuvikeleka amasheya abo enhlokodolobha yase ebhange;
• isamba ukubolekisa nokubonga anikezwe ukwakhiwa kwezohwebo noma zokuhlala ingcebo singadluli 20% imali ingqikithi. Wenza okuhlukile kwenziwa kuphela amabhange onguchwepheshe nokuhlinzekwa mortgage loans ngokuhambisana ilayisensi ekhethekile Central Bank of UAE;
• ngaphandle kokuthola imvume ye-Central Bank of the UAE ngamabhange akudingeki ilungelo lokubuyiswa amasheke.