Ngubani Ubonakalisa ukuKhutshwa kwabaPhakathi kwabaBini okanye abaninzi?
Isitshixo kukuba ingaba igama elithi "kunye" okanye "okanye" livela phakathi kwegama lomntu ngamnye:
- "Kwaye" uthetha ukuba wonke umntu ogqitywe ngekhenkethi kufuneka asayine.
- "Okanye" ivumela enye yeentlawulo ukuba zisayine (ngokuqhelekileyo).
Ukuba uye wafunda ingcamango engumqondiso okanye inkqubo yekhompyutheni, mhlawumbi sele uqhelene nezi ngcamango.
"Kwaye" kuthetha bonke abantu
Wonke umntu ogqityiweyo kumgca we -payee kufuneka asayine iireki ezisebenzisa "kunye." Ngokomzekelo, isheke ehlawulwe "uJohn noJane Doe" kufuneka sisayinwe nguYohane noJane.
Xa usayinele: Ibhanki kufuneka iqinisekise ukuba ngubani na owamkela isheke . Ukuba itekethi iyahlawulwa ngamagama amabini, kwaye ubeka imali kwi-akhawunti kunye namagama amabini, akukho mngcipheko omncinci. Nangona kunjalo, ukuba ufuna ukuhlawula isheke , kukho umngcipheko wokuba umntu omnye uza kubumba isayinitsha yomnye umntu aze aphephe ngemali. Ngokufanayo, iibhanki zinemiyalelo ekhethekileyo xa amagama kwisheke ayifani namagama kwi-akhawunti.
Zizonke? Ezinye iibhanki zifuna ukuba zonke iintlawulo zivumela ukutshekisha ndawonye phambi komqeshwa webhanki.
Wonke umntu uya kufuneka athathe ukuchongwa okusemthethweni ukubonisa ukuba avumelekile ukuba avunyelwe ukutshekisha. Ezinye iibhanki ziya kwamkela isheke xa enye yeentlawulo zineakhawunti. Njengoko unokucinga, iibhanki ziqwalasela ngokukhethekileyo iirekhodi eziphezulu. Ukukhangela iteksi engama-dollar emihlanu, umntu omnye unokukwazi ukuvuma kwaye ukubeka ngaphandle kokuphazamiseka kokufumana bonke abantu ndawonye.
Ukushiya isheke: Ukuba isicwangciso sifaka isheke echasene nokuyifaka imali, inkqubo kufuneka ibe lula. Inkqubo ibhekiselele ngakumbi ukuba zonke iintlawulo zinayo i-akhawunti kunye (umzekelo, i-akhawunti edibeneyo isibini esitshatileyo, kunye nesheke elibhalwe ngokusebenzisa lawo magama afanayo). Kusenokwenzeka nokuba umntu oyedwa afake isheke ngaphandle kokubhaliweyo.
"Okanye" kuthetha umntu
Kwiimeko ezininzi , iireki ezenziwe zihlawulwe kumaqela amaninzi asebenzisa "okanye" angasayinwa yinye iqela. Ngokomzekelo, isheke ehlawulwe "uJohn okanye uJane Doe" lingasayinwa nguYohane okanye uJane. Nangona kunjalo, amatyala athile afuna ukutyikitywa kwazo zonke iintlawulo.
Ukuba isheke sikhulu kakhulu, okanye inxalenye yinshuwalense okanye ukulungiswa komthetho, thetha nebhanki yakho kwaye ubuze igqwetha lakho kwimeko yokuqhubeka. Kungaba ngcono-okanye imfuno-ukufumana isayinitsha yomntu ngamnye kwisheke.
Kuthiwani Ukuba Akucaci?
Ezinye iitsheki azichazi "kunye" okanye "okanye" naphi na. Kwenzeka ntoni ngoko? Impendulo mhlawumbi ingacacile njengoko ungathanda.
Ngokubhekiselele kumthetho ochaphazelekayo, unako ukuphatha isheke njengokuba uthi "okanye." Ikhowudi yeShishini lokuThengisa (UnCorporated Code Code) (ebizwa ngokuba yi-UCC), ngokuqhelekileyo isebenza njengetemplate malunga nendlela yokuphatha ngayo le ntengiso, ithi inokuthintana nantoni na echongiweyo kwisheke.
Umgaqo-nkqubo weBhanki uyaphaya: Ibhanki yakho ayifanele ilandele ukhokelo lwe-UCC. Amabhanki anokuhlala eqikelele xa efuna ukuzikhusela kwiilahleko. Ezinye iibhanki zinomgaqo-nkqubo ofuna ukuba wonke umntu avume isicatshulwa xa kukho nayiphi na into engathandabuzekiyo malunga nenjongo yomlobi. Basenokufuna ukuba wonke umntu abe khona ukuze asayine phambi komqeshwa webhanki-ekukhusela ukuba uthumela nje okanye ubeke kwi-ATM .
Ukuba awuqinisekanga ukuba wenzeni, kuya kufuneka wenze izigqibo ezithile. Unokuzama inhlanhla kwaye uzame ukufaka okanye ukukhangela isheke kunye nesayinwe esisodwa somqondiso. Umngcipheko kukuba ibhanki iya kulahla idiphozithi yakho kwaye ifune ukuba ufumane izibhengezo ezingekhoyo ngaphambi kokuba uyibuyise kwakhona. Le nkqubo inokuthabatha iintsuku eziliqela okanye iiveki, oko kuthetha ukuba awuyi kufumana imali ngokukhawuleza.
Inketho ekhuselekileyo kukubiza iibhanki ezibandakanyekayo (kwibhankini ekhangela isheke, kunye nalapho uya kufaka khona) kwaye ubuze into abayifunayo. Musa ukumangaliswa ukuba ufumana iimpendulo ezingqubuzanayo kubantu abahlukeneyo-nkqubo weebhanki ayisoloko icacile okanye yaziwa. Ukuba kunokwenzeka, thetha nomntu oza kubamba idizithi.
Ungahlala uzama: Kwezinye iimeko, ukuhlolwa kuya kwamkelwa kunye nesiginesha enye-nangona imithetho yebhanki idinga ukuba umntu atyikitye-kuba izityikityo ezingekho phantsi zingabonakali. Ekugqibeleni kuya kufuneka unqume oko kukubaluleke kakhulu kuwe. Gqiba ezinye iindlela, ucinge ukuba kulula kangakanani ukufumana isayinwa yomntu wonke nokuba ngaba unako ukunyamezela ukulibaziseka ukuba ibhanki ibuya kwaye ifuna ezinye izikhululo. Okokuthi, ukwenza ubuqhetseba yinto engalunganga, ngoko ungathathi imali ngaphandle kwemvume okanye wenze nayiphi na into oyaziyo ukuba ayiphutha.
Ukubhala Ukuhlolisisa Abantu abaninzi
Ukuba ubhala isheke kumntu ongaphezu komnye, gcinani engqondweni ukuba unokwenza kube lula okanye kunzima kubo ukufaka imali. Ukhetho oluchanekileyo luya kuxhomekeka kwizinto othemba ukuzifezekisa, ubungakanani bakho abathemba abantu (okanye ngaphezulu), kunye nezinye izinto ezifana nemicimbi yerhafu kunye neerhafu.
- "Okanye" kwenza kube lula: Ukuba ufuna nje ukwenza lula kubafumene kwaye unganenkxalabo malunga nomnye wokubambelela ngemfihlo ngemali, ukusebenzisa "okanye" phakathi kwamagama kuvumela ukuguquguquka.
- "Kwaye wonke umntu uyaziswa: Ukuba ufuna ukuqiniseka ngokuqinisekileyo ukuba wonke umntu uya kuqonda isheke, kungcono ukusebenzisa" kunye. " Oku kunokwenzeka (okanye akunako) ukucotha izinto phantsi, kodwa oko kungaba yinto entle.
Izipho zomtshato: Ukuba ubhala isheke kwiintshana ezisandul 'ukutshata, khetha ngokucophelela. Omnye okanye zombini iinxalenye zesithandane esinenhlanhla kunokutshintsha igama labo lokugqibela (ngokwesiko, kodwa kungekho njalo, ngumyeni). Imali isoloko isipho esihle, kodwa iingxaki eziningana zivela xa ubhala isheke kubo bobabini abasebenzisa "kunye":
- Omnye wabo unokutshintsha igama labo, kwaye akayi kuphinda afane negama kwisheke.
- Ungacinga ukuba omnye wabo utshintsha igama labo , kodwa oko akuchanekanga.
Kwiimeko ezininzi, abasandul 'ukutshata banokufaka iitsheki nokuba ngaba amagama awahambelani kakuhle. Iibhanki ziyabona njalo, kodwa kungadinga uhambo ukuya kwisebe (okanye amanye amaphepha afanelekileyo kunye neefowuni zeefowuni) ukufaka ezo zihlolisiso. Ngenye indlela, bhala isheke usebenzisa "okanye," okanye ubuze indlela abakhetha ngayo ukufumana izipho.