I-Rush yokuPhuma
Xa ibhanki ayinako ukuwanelisa iimfuno zamakhasimende zokurhoxisa-okanye ukuba kukho iindlebe ukuba ibhanki ayikwazi ukuyenza-imeko ibuhlungu. Abathengi bayesaba ukuba "ngowokugqibela ukuya ekuphumeni," kwaye bazama ukuhoxisa ngokungangoko kunokwenzeka. Kwiimeko ezinzima kakhulu, ibhanki ingakwazi ukuhlangabezana neembopheleleko, ezikhokelela ekuphelelweni ngokupheleleyo .
Isizathu sokuba Benze ntoni
Uloyiko lokulahleka: Iimali zeBhanki zisekelwe ekuloleni ukulahlekelwa yimali. Abathengi bacinga (ngamanye amaxesha ngokuchanekileyo) ukuba ukuba ibhanki ihamba ngesisu, baya kulahla yonke imali yabo ebhankini. Olu loyiko luqondakala-ukulondolozwa kwakho okulukhuni kubonakala kukusemngciphekweni-kwaye wonke umntu wenza ukukhawuleza ngokukhawuleza ukuphuma.
Imimoya engezantsi: Ngelishwa, ukuhamba kweebhanki kunokudala iziprofeto ezizifezekisa. Ibhanki inokuthi ibe yindawo enomthunzi, kodwa kusekude nokuhluleka. Nangona kunjalo, xa wonke umntu edonsa imali ngelo xesha, ibhanki ngokukhawuleza iyaba buthathaka.
Ibhanki inokunyanzeliswa ukuba ivelise imali ngokuthengisa imali-mali ngexesha elibi, okubhekisela ekuthabheni ilahleko kwimali-mali. Ngokomzekelo, ukuthengisa ekuphakameni kweengxaki zemali ngokuqhelekileyo ixesha elibi kwibhanki ukukhupha iafa ngemali. Ukuba i-bhanki yayingayi kuphinda ihluleke, kwangaphambili ukunyuka kokungcoliseki kwanda ngexesha nangemva kokuphazamiseka.
Ibhanki yokugcina ibhanki: Ngokungafaniyo nawaphi amafilimu abonakalisa umdla, amabhanki ahlala encinci imali kumasebe asebhanki angokwenyama. Umthengi imali ayihlali ekhunjini elinde abantu ukuba bangene kwaye bafumane imali. Kunoko, iibhanki ziboleka ukuba imali kubboleka kwaye ityala imali kwiimarike zemali. Imali ingaphantsi kancinane kwikhompyutha ngoku, kodwa ibhanki inokuthi ibe neepesenti ezili-10 kuphela zeempahla zomthengi ezifumanekayo zokudluliselwa kunye nokurhoxiswa kwekhompyutha. Iibhanki zokugcina iibhanki zivumela iibhanki ukuba zigcine kuphela izibonelelo ezincinci zikhoyo kuba, kwiimeko ezininzi, uninzi lwabathengi abayidingi imali ngexesha elifanayo.
Ibhanki kaZwelonke iqhuba: I-bhanki isebenzayo inokwenzeka ngeziko elilodwa lemali, okanye lenzeke kwizinga likazwelonke. Ukuba abatyali-mali okanye abanikazi be-akhawunti bakholelwa ukuba inkqubo yebhanki okanye inkqubo yezemali yelizwe elinikeziweyo liza kuwa, baya kuzama ukuhambisa imali kwiibhanki zangaphandle. Kwakhona, oku kunokunyanzela iingxaki ezikhoyo kunye nokuba isiprofeto esizizalisayo.
Ngaba iBhanki isebenza?
Ibhanki iyasebenza ngenxa yesiganeko esiyingozi kakhulu, kwaye akukho mntu ufuna ukulahlekelwa yimali. Kodwa ibhanki yabathengi eqhutyelwayo e-US ayifanelekanga kuninzi lwabantu.
Intlawulo yomshuwalense we-Federal: Iintlawulo ezininzi kwi-US aziyi kulahleka imali xa ibhanki yabo iphela.
Enyanisweni, abanako ukuphazamiseka nangendlela nayiphi na intsingiselo. Urhulumente wenqila unceda ukuqinisekisa ukuba ezinye iiphozithi kwiibhanki kunye neemanyano zetyala zikhuselwa xa imeko iphela. Ngomshuwalense we- Federal Deposit Insurance (FDIC) , abathengi kwiibhanki ezithatha inxaxheba banokufumana ukukhuselwa okupheleleyo okanye okukodwa. Iimanyano zeentengo zemboleko zeFederally zifumana inzuzo efanayo efanayo kwiNgxowa-mali kaNtsholongwane kaNkxaso-mali kaNational Credit Union (NCUSIF) . Ukhuseleko lukhawulelwe kuma-250,000 kwi-deposititor ngalinye kwiziko, kodwa kukho iindlela zokugqithisa ngaphezulu kwelo bhanki elinye okanye umanyano wekhredithi.
Impembelelo yokungaphumeleli kwebhanki: Kwiingxaki ezininzi zebhanki, abathengi abafihliweyo banokuqhubeka nokubhalela iireki, bafake imali, kwaye batshintshe nge-elektroniki ngokungathi akukho nto eyenzekayo. Ngexesha elithile, bangaqaphela ukuba igama kunye ne logo kwizitatimende zabo zitshintshile, kodwa ibhalansi yabo ye-akhawunti iyafana nokuba yayiya kwenzeka ngaphandle kokungaphumeleli kwebhanki.
Ingafunyanwanga idiphozi: Abo bangagqitywa ngokupheleleyo yi-FDIC okanye i-NCUSIF babeka imali engozini, kwaye kungenangqiqo ukuba bahoxise impahla. Nangona kunjalo, ngamanye amaxesha kulula ukutsho kunokuba kwenziwe, kwaye kungenakukhawuleza ngelixa iindaba ziphela. Ukunikezelwa kwenani lokuzikhethela kwakho lokusasaza imali yakho ngokubanzi, kutheni uthathe ingozi leyo? Ngokufanayo, ukuwa kwetyala kwinkqubo yezemali kunokubangela ukuba ibhanki isebenze, kodwa unokufumanisa ukuba imali yasekuhlaleni ayinalutho xa ilizwe lakho liphazamiseka.
Iimbali zeembali: Ibhanki iqhutywe yayazi ingqalelo malunga nexesha lokuPhukisa okukhulu, xa abathengi belahlekelwa yimali yabo yonke. Kungekudala emva koko, i-FDIC yakhiwa, kwaye abathengi abathatha umngcipheko bathatha ngokugqithiseleyo kunokuba bekunjalo.