Inkcazo kunye noBuchule beeBhanki
Ibhanki zorhwebo zinokunceda amashishini amancinci kunye namashishini amakhulu. Ukuba uqhuba ibhizinisi elincinci, njengokuba ungumnikazi wedwa, yinto efanelekileyo yokusebenzisa ishishini ukujonga i-akhawunti ukugcina imali yakho ihlukene.
Qaphela ukuba i-akhawunti yezoshishino ayinandipha ukukhuselwa kwabathengi abafana kunye neengxelo ze-akhawunti .
Yintoni iBhanki eyenza ngamashishini?
- Iingxelo ezisisiseko: Amashishini, njengabantu ngabanye, adinga ukuhlola nokugcina iakhawunti. Ukujonga i-akhawunti kusetyenziswa ukuhlawula abathengi nabasebenzi, kwaye i-akhawunti yokulondoloza ingabamba ukugcina imali.
- Ukuboleka imali: Amashishini adinga imali ukuba asebenze kwaye akhule, kwaye ngamanye amaxesha afuna iimali ezongezelelweyo zokuthenga ezinkulu. Amashishini angase aqale, okanye iimpahla zabo zingaboshwa kwi-inventory okanye ezixhobo ezibiza. Imali ingabasiza amashishini ukuba athenge iimpahla, indawo yokuhlala kunye neemoto eziyimfuneko zokusebenza. Amashishini amatsha, umnini udla kufuneka enze isiqinisekiso somntu siqu ngaphandle kwemali mboleko ngaphandle kokuba ishishini linempahla enokuthi ihlawulwe njengebhondi .
- Iimali zemboleko: ngamanye amaxesha amashishini afuna imithombo emfutshane yenkcitho . Basenokufuna ukuhlawula abasebenzi ngelixa balinde abathengi ukuba bahlawule iilawutsha ezithunyelwa ngokutsha, umzekelo, kwaye banokuhlawula ngokukhawuleza loo mboleko emva kokuba imali itholakale.
- Iileta zetyala: Ukurhweba kunye nabathengi kunye nabathengisi ngaphesheya kwingozi. Xa amabhizinisi engazi ukuba ngubani na ojongene naye, kunye nomnye umntu kwilizwe elithile kunye nemithetho eyahlukileyo, ileta yesikweletu inokukhusela .
- Iinkonzo zebhokisi yokukhusela: Ukuba amashishini adinga ukuphatha ngokufanelekileyo iintlawulo kwiimfuno ezininzi, iibhokisi ze-lock ziyakunceda. Iintlawulo zeemeyili kwiiindawo ezikufutshane, kwaye ibhanki ifumana imali kwi-akhawunti.
- Intlawulo kunye nokuqhutyelwa kwemisebenzi: Ngokungafani nabantu, amashishini kufuneka avume iintlawulo ezivela kubathengi ngeendlela ezahlukeneyo. Abaxhasi bathanda ukuhlawula ngamakhadi-ngetyala, ukuhlola i-elektroniki, kunye nokuhlola kwamaphepha. Amabhanki anceda ukwenza oku kwenzeke kwaye kunokunceda amashishini anciphise ingozi.
- Ukutshintshiselana kwamanye amazwe: Xa amabhizinisi asebenza phesheya ngokufumana imali okanye ayichithe, angase afune ukusebenza kwiimali zendawo. Amabhanki abancedisa ukuguqula imali nokulawula umngcipheko wokuguqula ixabiso lemali.
- Utyalo-mali-mali: Uninzi lweebhanki zorhwebo zijolise kwimisebenzi yemihla ngemihla yamashishini. Iibhanki zotyalo-mali , ngakolunye uhlangothi, zinceda ngeentengo ezinkulu zezimali. Ngokomzekelo, ukuba ishishini lifuna "ukuhamba esidlangalaleni" okanye ukuthengisa inani elikhulu letyala lokuxhasa ukwandiswa, ibhanki yotyalo-mali iya kunceda. Kwezinye iimeko, ibhanki elifanayo lisebenza njengebhanki yoshishino kunye notyalo-mali.
Iinzuzo zeAkhawunti yezoShishino
Nangona unomncinci, ishishini elisekelwe ekhaya, i-akhawunti yoshishino yinto efanelekileyo. Mhlawumbi inzuzo ebaluleke kakhulu kukukwazi ukwahlula iimali zezoshishino zakho kwiimali zakho. Oku kukunceda ngokugcinwa kweencwadi zakho zemihla ngemihla, kodwa kubalulekile nokuba lixesha lokufaka ifayile yakho yokubuyela.
Ngokuba nezohlukeneyo zoshishino kunye ne-akhawunti yakho, unokwazi ngokucacileyo ukuba nguwuphi umsebenzi okwakwakho kunye nawaphi amabhizinisi akho.
I-akhawunti yezohlukeneyo yezoshishino phantsi kwegama lakho ishishini linika imali yokuthembeka kwintsebenzo yakho. Abathengi, ngokomzekelo, banokungathobeli kakuhle ukwenza intlawulo kuwe, ngokwabo, kwimveliso okanye inkonzo, ngokuchasene nokwenza loo ntlawulo kunoma yiliphi igama lebhizinisi lakho.