Yintoni i-Letter of Credit?
Ileta yebhanki yesikhokelo yilungiselelo apho i-bhanki ihlawulisa "umxhamli" ukuba kukho into ehlulekayo ukuyenza.
Ibhanki ibonisa umqulu uchaza iimeko apho incwadi iya kuhlawulwa.
Iibhokisi zokubambisa zemboleko, njengaleta eziqhelekileyo zemali-mboleko , zincedo kumashishini ngamazwe kunye nokuthengiswa kwekhaya njengeprojekthi yokwakha kwendawo.
Ileta yekhredithi inikeza isithembiso esivela kwibhankini, mhlawumbi isithathu esithandekayo. Ukuba umthengi webhanki akakwazi ukwenza into (njengokuhlawula ngexesha, gcwalisa iprojekthi ngexesha, okanye ukwanelise imimiselo ethile yesivumelwano) ibhanki-kungekhona umthengi ongaphumeleli ukubuyisela-uhlawula umxhamli. Ekugqibeleni, imali ivela kumthengi owenza isicelo sencwadi yemboleko, kodwa ibhanki inembopheleleko yokuhlawula ummkeli.
U mzekelo
Ukuma kwezemali LOC: Umthengisi uthengisa impahla kumthengi wangaphandle, othembisa ukuhlawula kwiintsuku ezingama-60. Ukuba akukho ntlawulo ifike (kunye nomthengisi kufuneka i-letter yokulinda yemboleko) umthumeli angaqokelela ukuhlawula kwi-bhanki yangaphandle.
Ibhanki ihlola i-credit yekhredithi ngaphambi kokukhupha incwadi yekhredithi, kwaye ibhanki ikholelwa ukuba umngenisi uya kuhlawula ibhanki. Maxa wambi iibhanki zifuna ukubambisa ukuba zivunywe. Lo ngumzekelo weposi "yezemali " yebhanki yokulinda.
Ukulinda komsebenzi I-LOC: Umcwangcisi uyavuma ukugqiba iprojekthi yokwakha ngexesha elithile.
Xa kufika umhla wokugqibela, le projekthi ayigqibekanga. Ngeleta yokulinda kwesikweletu endaweni, ikhasimende lomthengisi linokufuna inkokhelo kwibhanki yontengiso. Le ntlawulo inokusebenza njengesihlwayo sokukhuthaza ukugqiba kwexesha, inkxaso-mali yokuzisa enye ikontraki ukuba ithathe iprojekthi yiphakathi, okanye isinxephezelo sentloko yokujongana neengxaki. Lo ngumzekelo we-"intsebenzo " ileta yokulinda yemboleko.
Indlela iNkqubo esebenza ngayo
- UJack noJill benza isivumelwano. Mhlawumbi uJack ungumngenisa ngenkani ofuna uJill ukuba amthumele amajethi ayi-10,000 kwi-credit evulekile, okanye uJack abe yikontrakethi ethembisa ukwakha ibhuloho kwisixeko saseJill ngo-Agasti ozayo.
- UJill akafuni ukuthatha ingozi yokuba uJack akakwazi ukuhambisa izithembiso zakhe, ngoko ucela uJack ukuba afumane ileta yekhredithi njengenxalenye yesivumelwano sabo.
- UJack ucela ibhanki yakhe kwikharityhulam yokulinda. Ngenxa yokuba unelungelo lokuthenga ngetyala kunye nokuxhamla, ibhanki ibhala loo leta.
- Ibhanki kaJack ithumela ileta kwibhanki likaJill.
- UJill uhlaziya incwadi yekhredithi ukuqinisekisa ukuba uyamkeleka, kwaye unquma ukuqhubeka kunye nale ngxelo.
- Ukuba uJack uhluleka ukuhlangabezana neembopheleleko zakhe, uJill uhambisa ingxelo kwibhanki kaJack njengoko kufunwa yileta yekhredithi (ngokuqhelekileyo usebenzisa ibhanki yakhe okanye ezinye iibhanki njengabahambeli).
- Ibhanki kaJack ihlawula i-Jill (kwakhona, mhlawumbi ngokuthe ngqo), kwaye uJack uya kufuneka abuyisele ibhanki yakhe.
Ukuboniswa kwenkqubo, jonga umzekelo wendlela imali kunye namaxwebhu ahamba ngayo .
Kutheni i-Letters Letters zeTyala zibonelela ngoKhuseleko
Ngokubeka ibhanki kwindawo yokuhlawula, umxhamli unokuqiniseka ngakumbi ukuba uya kuhlawulwa. Ukusebenzisa ukuthengiswa kwempahla ngaphandle komzekelo, kukho izizathu ezininzi ukuba umthengi akanakho ukuhlawula:
- Umthengi unomthwalo wokuhamba kwemali kwaye ulindele ukuhlawula kumakhasimende akhe.
- Umthengi uphuma kwishishini.
- Iimpahla zomthengi zichithwe ngenxa yokungazinzi kwezopolitiko okanye ukuxhamla.
- Umthengi akanakuvuyela umthengisi.
- Umthengi akathembekanga.
Ibhanki izinzileyo ngakumbi kunabathengi abaninzi, kwaye ibhanki ayizikhathazi ngokuxabana phakathi kwabathengi kunye nabathengisi.
Ileta yokumakisha yekhredithi kufuneka ihlawulwe ngelixa umzuzwana ehlangabezana neemfuno zeleta kwaye ibhanki iseseshishini.
Ukuba umxhamli unenkxalabo malunga nokuzinza kwemali yebhanki elikhuphayo, unokucela isicelo sebhanki eqinisekisiweyo. Kwimeko apho, ibhanki leyo umxhamli ethembayo iqinisekisa ukuhlawulwa egameni lomnye, ibhanki engathembekanga.
Ukwahlukana Phakathi kweNcwadi yeMatyala yokuTyala kunye nezinye iincwadi zokuTyala
Ileta yokulinda yekhredithi ifana ne-standard (okanye "yorhweba") ityala lekhredithi: Ibhanki ithembisa ukuhlawula umxhamli nje kuphela xa umzuzwana enika amaxwebhu kwaye uhlangabezana neemfuno zeleta yekhredithi. Ngoko, yintoni eyenza ukulandelwa kweencwadi zekredithi ezikhethekileyo?
Isicwangciso sokulondoloza: Ileta yokulinda ibhola yokhuseleko. Njengamanetha amaninzi okukhusela, injongo kukugwema ukuyisebenzisa. Xa umntu ehlawulwa ngetyala lokulinda le-credit, ithetha into engafanelekanga. Ngetekethi yorhweba yerhafu, ngakolunye uhlangothi, wonke umntu obandakanyeka ithemba kwaye ulindele ukuba intlawulo iza kwenzeka. Ngokomzekelo, oko kusenokuthi umthumeli ophumelelayo uthumele umthumeli ngokuthumela.
Inqaku lomsebenzi : Iibhokisi zokubambisa zemali-mboleko nazo ziyingqayizivele kuba zibandakanya inxalenye yendlela yokusebenza-okanye ukusebenza kakubi, ukuba ukhetha. Ukuba inkonzo ayenziwanga, umxhamli uyahlawulwa.
Eli lizwe: Iibhokisi zokubambisa zemboleko zihlala zisetyenziselwa ukuthengiswa kwekhaya. Ezi zingabandakanya konke ukusuka kwiprojekthi yokwenza iinkonzo zombane. Iibrari zorhwebo zetyala ziyaziwayo kwizorhwebo ngamazwe ngamazwe.
Ukongeza kwimiyalelo yeebhanki, kukho ezinye iintlobo zeeleta zetyala .
Indlela yokufumana i-Letter yeTyala yeMali
Ukuba ufuna i-letter ye-credit ye-credit, cela ibhanki yakho ukuba ikhuphe enye. Kusenokwenzeka ukuba ufanele usebenze nomntu othile kwicandelo loshishino lwebhanki okanye isebe loshishino lwamazwe ngamazwe. Qiniseka ukuba uthatha ixesha elide ukuqonda indlela inkqubo isebenza ngayo kwaye phantsi kweemeko zini uza kuba noxanduva lokuhlawula. Yiba nommeli ukuhlaziya amaxwebhu kunye nawe.
Ukuba ufuna omnye umntu ukuba asebenzise ileta yekhredithi yokulinda, makudinge njengenxalenye yesivumelwano sakho kwaye unxininise ekhaleni elingenakutshintsho kwekhredithi . Qiniseka ukuba usebenze ngokusondeleyo kunye neebhanki yakho kunye nabameli bakho ukuba baqonde into oyifunayo ukuba uqokelele intlawulo. Iileta zetyala ziyaziqhelanisa, kwaye ukuhlangabezana nazo zonke iimfuno zinzima. Ukuba awuyikuhlangabezana nazo zonke iimfuno, awuyi kuhlawulwa.