Umthengisi ngamnye uzisa ubudlelwane kunye neCMM. I-FCM inxulumene ngqo nexesha elizayo lokutshintshela ukwenza imisebenzi.
I-FCM inikezela ngamashishini okuthengisa apho abathengi banako ukubeka i-intanethi kwi-intanethi. I-FCM inoxanduva lokulawula i-akhawunti. Enye yezinto ezibaluleke kakhulu zeCMM kukuba zifaka zonke iifizi zamakhasimende kumakhawunti ahlukeneyo ngamakhasimende .
I-IBs isebenza ngokubanzi kwiiofisi ezincinci ezikulo lonke ilizwe. I-IBs ifuna ishishini kwi-FCMs. Uninzi lwe-IB ngumsebenzi womntu omnye, ngelixa ezinye zinkulu, amashishini amaninzi. Ii-IB zinokukwazi ukukhonza iinkonzo zabaxhamli njengoko zendawo, kwaye injongo yabo ephambili yinkonzo yabathengi. I-FCM ijolise ekusebenzeni imisebenzi kunye nokugcinwa kwezibonelelo zorhwebo. Ukuchithwa kweenkonzo kunye neenkonzo zabathengi kwi-IBs kudala uqoqosho lwezinga le-FCM kunye nekamva elizayo.
Ininzi ye-IB ayinayo imithombo yemali yokwenza amashishini kwabaxhasi ngqo. Ukuqhutywa ngokuthe ngqo kwemisebenzi kudinga ulwalamano oluchanekileyo kunye nolwabiwo lwexesha elizayo kunye nokugcinwa kweengxelo zemihla ngemihla zabathengi nabaxhasi, ukudala kunye nokunikezelwa kweendawo zokuthengisa kunye nezinye iindleko ezinokuthi zingavumelekanga.
Uninzi lwe-FCM luza kufumana kungenakwenzeka ngemali ukuvula ii-ofisi zelizwe lonke. Abathengisi abaninzi basebenza kwimimandla yasemaphandleni ukwenzela ukuba bathengise abathengi, basasaze yonke i-United States. Ukuba kwakungekho ye-IBs, ii-FCM ziza kufuneka ziqeshe abadayisi kwaye zigcine iiofisi, yindlela ebiza kakhulu kwaye engasebenziyo yokusebenza kwishishini elizayo.
I-IBs ivumela ii-FCM ukuba zenze ishishini kwindawo yangaphandle ngelixa zisebenzisa i-FCM yeziseko zokuthengisa.
I-IB inxulumene ngqo ne FCM. I-FCM iya kuhlawula umrhumo we-IB kwintengiso nganye, ukuvumela i-IB ukuba ithathe inxaxheba kwiindleko zeenkonzo ezinxulumene ne-business FCM. I-IB iya kwongeza umgama wentengo kwimali ehlawulwe yi-FCM ukuhlawulela iinkonzo zabo. Abanye abathengi bempahla yenkonzo egcweleyo banokuhlawulisa iirhafu eziphezulu ngeenxa zonke ukujika kwiikomishishini zemirhwebo . Inani lekhomishoni ngumsebenzi wevolontiyorhwebo, ukuthengiselana okungaphezulu kwezinga lekhomishini nganye. IiRhafu ziyaxoxisana kwaye ii-IBs ezinkulu zihlawula ixabiso elincinci kunamancinci.
Enye yeendleko eziphambili ze-broker ezethulayo zikhangisa. Abanye abathengi bajolise kwiimarike zendawo kwaye baxhomekeke kwi-yorhwebo yokuthunyelwa. Nangona kunjalo, abaninzi abathengi kufuneka bachithe imali eninzi kwiintengiso ukuzisa abathengi kwaye bathathe indawo yabo rhoqo kubaxhasi abalahlekelwa yimali yabo. Abathengisi abaninzi abathengisa iimpahla abahlali emakethe engaphezu kweenyanga ezintandathu. Abathengi abacebisa iingcebiso ngezorhwebo bavame ukugcina amakhasimende kunye nokwenza imali engaphezulu kwixesha elide.
I-intanethi ye-intanethi yezoshishino sele ikhuphisana ngakumbi nabathengisi kwiminyaka edlulileyo kunye neenzuzo zokungeniswa kwemali ziye zayeka.
Abo bathengisa nge-intanethi ngokuqhelekileyo abathengisi bexesha elifutshane benza izinto ezininzi. Aba bathengisi abakhutheleyo bathambekele ekufuneni ixabiso elisezantsi. Abanye abathengisi be-intanethi benza amanani ambalwa kuphela kwintengiso nganye. Umqulu ubaluleke kakhulu ekuqwalaseleni kubathengi bempahla ye-intanethi.
Amathuba kukuba xa uvula i-akhawunti yezohwebo, iya kuba kunye nomthengisi ozisa. Ukucima amafemu baqeshe abadayisi abangakwazi ukunika iinkonzo ngokukhawuleza, kodwa ubuninzi bezoshishino zeCMM zivela ngokuzisa abadayisi. Igama lomthengisi wexesha eliqhelekileyo libhekisela kumthengisi wezaziso. I-IB yonyulwe ngokusemthethweni yi-CFTC yeefenki zokurhweba ezingekho kwi-FCM.
Ulwazi olungakumbi kwi-IBs
I- IB ayisebenzisi ngokuthe ngqo kwaye i-oda yomthengi kunokuba iqhubele phambili kwiCMM. Ngenxa yokunyuswa kwemimiselo kwimarike kwiminyaka yamuva kunye nomthetho we -Dodd-Frank , ii-IB zilawulwa ngokukhawuleza kule mihla.
I-FCM iyichithe ixesha elide lokuveta nokubeka iliso kwi-IB ngokusebenzisa ukuthotyelwa kwayo namasebe omthetho.