Zokuhlala zizodwa kunye nokubaluleka kwazo kwindlela yokugcina imali

zokuhlala zizodwa olwenzekayo kwimeko apho umamkeli kunye Mhlawuli ke abanini-akhawunti kwimigangatho eyahlukeneyo. Yonke imicimbi phakathi amaziko mali kwi-akhawunti kumnxulumanisi zicwangciswe ngeendlela ezimbini: ngokusebenzisa iinkqubo esembindini kunye amagunya.

iziko processing Cash

Ngo-Russia, i-ezininzi eziqhele ukusetyenziswa ukhetho lokuqala. Kuba ukuphunyezwa iiyunithi zokuhlala esembindini kumkhawulela CRH - zokuhlala kunye nemali Amaziko (RCCs). Ukuze aphumeze loo msebenzi, iziko ngalinye zebhanki kufuneka ibe selubala kwindawo yayo akhawunti kumnxulumanisi kwi RCC. Bonke ubudlelwane phakathi kwiziko ngetyala kwaye ibhanki esembindini ukuba ukhonza ekuphunyezweni ukuthunyelwa kwemali, lwenziwe ngokomthetho kwaye i-akhawunti contract imibiko.

Watsala imali evela kwi sub-account KB okanye ngokubhalisa kweli mba kuqinisekiswa isicatshulwa ngokohlobo uxwebhu elektroniki lwaseburhulumenteni okanye ephepheni.

inkqubo zentlawulo phakathi

Intengiselwano ngokusebenzisa akhawunti bevele wavula nezinye iiBhanki, zibanjwa ngolu hlobo lulandelayo: bank umthathi iqukumbela kwelinye iziko ngetyala kwaye isivumelwano ivula apha iindleko. bank intatheli uyamvulela emva kokufumana kummangalelwa amaxwebhu afanelekileyo kunye kokusayina isivumelwano. Akhawunti avulwa KB kwelinye iziko logcino ebizwa ngokuba "nostro". Ke lowo ovula kwenye ibhanki entlanganweni (KB) - "loro". Olubalo yenziwa phakathi kwamaziko zemali lo gama kugcinwe ukulingana ngemihla.

Types of zokuhlala emali

1. zokuhlala phakathi kweebhanki ngenxa kwinethiwekhi RCC. Inkqubo yoguqulo mali yengundoqo. Ukuba open ubuncinane omnye RCC kwi-akhawunti ngezemvelo, loo nto yenza kube lula ukusebenza kunye nawuphi na umbutho ngetyala kweli lizwe.

2. Iintlawulo Overnight kubudlelwane incwadi evulekileyo. Inzuzo ephambili apha kukungabikho yabameli ekuphumezeni imisebenzi ityala, ebavumela ukuba benze ngokukhawuleza kwaye zibe nokufumaneka. Iintlawulo zizodwa enjalo eqhutywe egameni abathengi, kodwa ngaphandle ukubandakanyeka kwabo ngqo.

3. intlawulo ozalwa okwenziwe ngaphakathi kwinkqubo yogcino- - kusetyenziswa ngamaziko ezinkulu zemali, leyo kwenethiwekhi ebanzi kwamasebe. Olu hlobo yokubala ikuvumela ukuba ukwaba ngokufanelekileyo izibonelelo zokuxhasa amatyala kweeyunithi ezincinane ukunyusa inzuzo kwiziko lamatyala.

4. Overnight izibalo ikhutshwa phandle usebenzisa ayindawo maziko. Ukucocwa - yinkqubo ozalwa i lweentlawulo ikheshi, oluqhutywa ngokwezindlu nokusingathwa ekhethekileyo ngoncedo lwentlawulo iseti-off. Kulo mzekelo, sithabathela ingqalelo kuphela izibophelelo kunye neemfuno - izibalo net. Inzuzo ephambili yale nkqubo ekukhawuleziseni kunye nokubekwa kwindawo ephezulu iintengiselwano phakathi-bank. Kodwa phambi yabameli kwenza indlela zokuhlala ibiza kakhulu.

ukubhala International networks yorhwebo

Ukwenza izibalo ezinje commercial network ukubhala ngamazwe: EKUJOLISWE - inkqubo automated ngexesha lenene; USWIFT - Society for Worldwide Financial Communications phakathi kweendonga; UKUZE - wasayina (evulekile) izibalo Electronic.