Iibhanki ezinkulu ezine ezibizwa phakathi kweenkampani ezimbi kakhulu zase-US

Abafundi bathi iibhanki zabasebenzi abahluphekileyo ngeenkonzo zabathengi, iiMali

Amasebe okuthengisa asebhanki asebenza ixesha elingaphezu kwexesha ukuze athole indawo kwiintlu ezilishumi eziphezulu zokubhengeza abaxhasi, kodwa mhlawumbi akuyiyo into ababeyicingayo. Umthengi, i-website yokubhengezwa ngabathengi, wabhengezwa ngabafundi abangabi nanye, kodwa zonke iiBhanki ezine ezinkulu kwiNkampani "yeyona nkampani ebalulekileyo kunazo zonke eMelika" (WCIA). I-Bank of America, i-Citibank, i-Wells Fargo, kunye ne-Chase-nayo ibizwa ngokuba yi-Big Four-zonke ziphelelwe ngumoya onzima wokubamba.

Kukho ezinye iindlu zeebhanki ezilungileyo kunye ezigqithisileyo kunye kwaye ezo nhlu ziyanceda kubini abathengi bazibuza ukuba bangaphi iibhanki kunye nabasebenzi abanokuzibuza ukuba basebenze kuphi.

I-WCIA Tournament: Abaxhasi abanelisekile kwiBhanki

Unyaka ngamnye, abafundi baBathengi bakhetha iinkampani ngokutyunjwa okubhaliweyo (ngo-2014 bekuphelileyo kunyaka wokugqibela). Amaqumrhu angama-32 kunye namavoti amaninzi afumana ilungelo lokukhuphisana kwibalaphu. Ungalokothi ulawule xa kuziwa kwi-etiquette efanelekileyo, abahleli bakaBathengi nabo bathumela amanqaku abhalwe ngesandla ukuze bazise i-CEO xa inkampani yabo iphelela kuluhlu. Ukugqibela kwamalungu okutyunjwa kwabafundi kubangele ukuba iinkampani zeebhanki kunye neentengo zemboleko zithatha i-6 yezi-32 ezikhoyo. I-25% yoluhlu lulawulwa yecandelo elinye, kuquka zonke iibhanki ezinkulu ezine. Ouch.

Indlela uMqhubi osebenza ngayo:

• Inkqubela ye-WCIA iqalisa ngamabhikishi angama-32 abayilwa ngeenxa zonke ngeenxa zonke.

• Ikhuphiswano lenzelwe njenge-parody ye-NCAA yeKhisimusi-iifisi zamachiza eofisi, epheleleyo kunye ne-bracket ephrintiweyo.
• Ngamacala amabini ajikelezayo ngamanye inkampani ngokumelene nomnye. Abafundi bavota ngokuphendula kumbuzo omnye - "Yiyiphi inkampani eyingozi?". Inkampani eyona mbi kakhulu yeenxa zonke iyaqhubeka ukudlala okulandelayo, ukuya "kwi-Four Final" njalo njalo njalo njalo.

• Ekugqibeleni, okona mbi kakhulu (njengabathengi ngabathengi, ubuncinci) bashiye bemi baze bafaka iNkampani enkulu kunazo zonke eMelika.
• Icandelo lebhanki, iBhanki yaseMelika kunye neChese, ngokukodwa, ibonakala ibakhuthaza abafundi, njengoko nganye ibetha i-CitiBank kunye ne-Wells Fargo (ngokulandelanayo) ukuqhubela phambili kwijikelezo elilandelayo.

Itheyibali epheleleyo yombhombiswano ixhomekeke ngakumbi kwizinto ezihlaziyileyo kunokuba zizingcingo. Kodwa akukho nto iphikisana nenqanaba eliphezulu laenkampani ezinganelisekiyo ezifunekayo ukuze zonyulwe kwindawo yokuqala.

Ngemiba eqhubekayo yenkonzo yabathengi echaphazela imboni yebhankini, ngethemba lokuba, iBhanki yaseMelika, i-Wells Fargo, iCitibank kunye neCandelo lonke isebenzise oku njengethuba lokuphucula ubudlelwane bamakhasimende. Olu luhlu olulodwa bafanele bafune ukuhlala ngalo.

Ezinye iziMithombo kunye nezinye iindlela eziya kwiibhanki ezimbi

Umthengi akasalubhala iibhanki ezibi kunazo zonke eMelika - ngoko ufanele ufumane ulwazi olusesikhathini? Kukho ezinye iindlela ezininzi zokufumana ukuba zeziphi iibhanki eziya kucima.

Ukuba ungumthengi, uya kufuna ukufumana ibhanki evuyisa. Ininzi imithombo yolwazi ayinayo enye into efana ne-WCIA, ngoko ke uya kuba ngcono ngokukhangela ibhanki abantu bayithandayo- ngokuchasene neebhanki ezizondayo ngabantu.

Buza abahlobo bakho kunye nosapho apho bebhankini, kwaye bacele ezithile malunga nezinto abazithandayo okanye abangazithandiyo. Uninzi lwabantu aluyi kucinga kakhulu ulwalamano lwabo lwebhanki, kwaye uya kufumana ulwazi oluxabisekileyo kunabantu abanento ethile ethi bayayithetha ngebhanki yabo. Njengoko lwazi, qhathanisa iimfuno zakho ngokubhekiselele kwiminikelo yeebhanki, uze ukhethe ibhanki ehamba kakuhle .

Nika ingqalelo kwiimali, eyayiyinye yabaqhubi beprayimari yokuphumelela "isihloko esibi kakhulu". Iindleko ezithintela i-akhawunti yakho ziyingxenye ngenxa yokuziphatha kwakho (njengokubhenkisana nokuhlola), kodwa ziyakunikwa ngumgaqo-bhanki. Akufuneki ukuba uhlawule imali ephezulu .

Khumbula ukubandakanya imibutho yamatyala ekutshweni kwakho. Ezi ziko zincinci kwaye ziphethwe ngabathengi, kodwa zinikeza uninzi lwemveliso efanayo kunye neenkonzo onokuzifumana kwi-bhanki enkulu.

Ngokuqhelekileyo banokugxila kuluntu endaweni yehlabathi jikelele.

Emva kokuba unqamle uluhlu lwakho, khangela i-CFPB ye-Consumer Financial Protection Bureau (CFPB). Oku kunokukunceda uqonde iibhanki ezibangela ukuba abaninzi abantu bathathe inyathelo baze bakhononde.

Ekugqibeleni, qulunqa phambi kokuba utshintshe ibhanki . Kubalulekile ukuba ube necebo elikuthintela kwiintlawulo ezingekho, ukuphuma kwemali, kunye nokuhlawula imali xa uhambisa ibhankini yakho kwenye ibhanki.

Ukusebenza kwiBhanki

Le ngcaciso inokukunceda ukuba ufuna umsebenzi kwibhankini. Ngokuxhomekeke kwindlela yakho yomsebenzi, unokufumanisa ukuba abasebenzi bavuya kakhulu kwiibhanki ezifanayo ezenza abahlali banwabe. Ngokukodwa xa unendima ebhekene nabathengi, akumangalisi (uya kuba neentsebenziswano ezintle kunye noluntu). Isimo esinobungozi sinokuchaphazela wonke umntu - kungekhona nje ukuhlukana ezithile - ngoko ukhethe ngobulumko. Ukuba uya kuchitha ixesha ukukwakha ikhondo lomsebenzi kwaye usebenza ngendlela ephakanyisiweyo kwinqanaba, ufuna ukuqiniseka ukuba ithemba lakho elide elide unokuhlala nalo.

Ezinye iindawo ezizodwa zengqesho zizazisa malunga neemeko zokusebenza kwiibhanki ezithile. Ngokomzekelo, iVault.com ne-GlassDoor.com ibonisa ukuhlaziywa kwabasebenzi basebhanki. Nangona kunjalo, gcinani engqondweni ukuba akusiyo wonke umsebenzi obonisa ukuba angenise ukuhlaziywa - ngokuqhelekileyo kubasebenzi ngokugqithiseleyo (abo banomdla ngakumbi okanye bangonwabi).