Concept futhi izinhlobo amasheke. izibalo amasheke

Namuhla ethandwa kakhudlwana uyinto ezifana isheke. Ingasetshenziselwa hhayi kuphela okufanele ukhokhe izikweleti, kodwa futhi zangisiza ekwenzeni izinkokhelo izimpahla namasevisi. Funda kabanzi mayelana nokuthi izinhlobo amasheke, kanye ukuthi kusebenza kanjani, futhi sizobe ukumboza kule ncwadi.

Lo mbono jikelele amasheke namabhuku

Yeka ukuthi sihle kangakanani ukubukela isikrini se-TV lapho kungaba owesinye isizwe owenza abacebile okhokhela ehhotela noma amanye amasevisi ukuze uhlole incwadi enhle. Enye into ukuthi lo mqondo, ambalwa abantu bazi. Ikakhulukazi, imininingwane eminingi ukucutshungulwa ukudida lo msebenzi. Thina, ngoba ingxenye yayo izozama aveza okuthile ukukhanya.

Ngakho, thatha umqondo a eduze, izinhlobo kanye nezici jikelele isheke we uhlelo ezimali. ifomu Irisidi kuhilela ukusetshenziswa izibambiso ezithile aphethwe lokukhokha komunye oyedwa.

Futhi zonke amasheke zigcinwa incwadi ekhethekile. Ngosizo umnikazi isheke angenza ukukhokhelwa esivuna chekopoluchatelya kwinani esibekiwe kuyo. Kuyaphawuleka ukuthi njengoba ebhange zomthumeli kuphela isinyathelo ukuthi isikhungo sezezimali, okuyinto lokuzula phambilini wavula i-akhawunti. Kwaba naye esikhathini esizayo futhi kuzophinda icala, kodwa ncamashi inani eliboniswe igwebu.

Yiluphi ulwazi kufanele ibe isheke?

Uma ucabangela izinhlobo ezengeziwe amasheke, asikwazi ukuthi ulwazi kufanele aqukethe. Ngokwesibonelo, ulwazi olulandelayo esibekiwe kuzo:

• igama dokhumenti (hlola ezihlukahlukene);
• inani lemali okumele ikhokhwe;
• ulwazi lokukhokha komunye oyedwa kanye nenombolo ye-akhawunti yakhe (kwaba naye esikhathini esizayo futhi uzobe yokukhokha ababulawa);
• lwemali ukuba akhokhe;
• indawo lapho isheke ngasondelana futhi usuku ngemva kokuqedwa kwalo;
• isiginesha lokuzula.

Kuyaphawuleka ukuthi ngo-ukungabi khona okungenani yezinto edingekayo, isheke ubuqotho yayo yasekuqaleni. Funda kabanzi mayelana nokuthi izinhlobo amasheke aqinisekiswe, sizochaza olwengeziwe.

Yiziphi amasheke?

Sekukonke, izinhlobo amasheke zingahlukaniswa ngamaqembu amabili amakhulu: ukuguqulwa (incwadi egunyaza) futhi kubhaliswe. Njengomthetho, amasheke ngegama obhalisiwe kuyinto yokukhokha esithile. Idluliselwa noma oda - yena, ingakhishwa bese bekhetha omunye umuntu. Kulokhu, uma isamba isheke ngeke izokhokhwa ngokheshe, lezi izibambiso abizwa ngokuthi ukheshe noma imali.

Uma omunye amakholomu idokhumenti khona ephawulwe "isiphetho", asikwazi selishintshiwe. Nokho, leli nani akunakubangelwa non-cash. Le nqubo wenziwa kusukela lomnikazi we-akhawunti. Kodwa empeleni uthumele imali kuphela akhawunti umphathi. imisebenzi enjalo ibizwa ngokuthi isiphetho. Uma ngesikhathi ukugcwaliswa idokhumenti iye inombolo ye-akhawunti ecacisiwe esibekiwe, chekopoluchatel unelungelo ukudlulisa izimali kuphela kuye.

Ngaphezu kwalokho, izibalo abazenzi amasheke (amasheke zinhlobo futhi umqondo jikelele kubo kungatholakala esihlokweni sethu) kumamukeli. Ngokungafani izinguqulo ezandulele izibambiso, lezi - ikhishwa ngaphandle chekopoluchatelya. Kamuva, lapho umnikazi enquma ukukhokhela izincwadi noma yimaphi amasevisi noma izimpahla olunikezwa umuntu yangasese, e Isiliphu wakhe kubonisa ukuthi luqondiswe kubani.

Uyini crossover, lwezikhali nokuhleleka amasheke?

Futhi, isheke eliqinisekiswe zingahlukaniswa zibe izinhlobo crossover, lwezikhali futhi incwadi egunyaza. Crossover nokuvikeleka lihumusha zihlangene. It slash (elilodwa noma amabili), noma ilebula Ingase ithanyelwe kuboniswa. Nokho, zikhona izimo lapho esetshenziswe kweyabase efanayo lezenzakalo futhi oqoshiwe. Yenza lokhu uxhumano kwesiphambano kokubili issuers babe, kanye abamukeli.

uxhumano Cross olukhethekile kanye nalolo olwejwayelekile. Endabeni wokuqala zibambiso kuboniswe igama isikhungo sezezimali obhekene elikhiphe incwadi. Lokhu kusho ukuthi wokusetshenziswa kwemali yensimbi ngesheke noma nokukhokhwa amadili anjalo ukuthi ibhange, okuyinto ecacisiwe uxhumano lapho esiphambanweni. Esimeni sesibili, naye okukhulunywe ngaye igama lesikhungo credit, kodwa ngaphezu eyethula uphawu entsha - the "ebhange." Nokho, lezi zinhlobo zokuhlala amasheke hhayi selishintshiwe. Inani wabonisa kubo, kungenziwa kuphela idluliselwe umzuzi. Yiqiniso, ke kungenziwa umklomelo lwemali yasekhaya, kodwa ngeke kuthathe isikhathi.

Musa ukudida imiqondo eziningana ezifanayo

Ngaphezu izibambiso e abathintekayo izibalo, nenye imidiya, okuyinto azifane igama. Ngokwesibonelo, e Izitolo okudayisa ukuhlangabezana imali izaphulelo. Ziyakwazi irisidi ekhethekile, futhi inyatheliswa emaphepheni.

Izinhlobo ezivamile amasheke ezifana ezitolo, nezitolo ezinkulu kanye nezinye amaphuzu ukuthengiswa kwezimpahla namasevisi. Njengomthetho, basuke ephrintiwe eteyipini ekhethekile ivela yemali.

Kuleli naphakathi ulwazi olulandelayo:

• igama esitolo;
• ikheli lenhlangano noma igatsha;
• intengo izimpahla noma amasevisi ithengiwe;
• zomthetho yenhlangano;
• hlola inombolo;
• INN Cashier noma umdayisi;
• inani kuhlanganise izintela nezimali (ngokuvamile futhi esayina imali oyitholile inani idiphozi ekhishwe);
• ukusebenza;
• ikheli le-imeyili noma iwebhusayithi lenhlangano;
• ngiyabonga (Siyabonga ngokuthenga kwakho!).

Nokho, lezi izinhlobo cash namarisidi ekhishiwe ekwamukelweni imali iklayenti noma enze amakhadi yayo yokukhokha. Ngezinye izikhathi kudingeka khona ukuthola izimpahla ikhokhwe kakade.

Izinhlobonhlobo cash namarisidi: bayini?

Kuye indawo yakho, kanye ezihlukahlukene izimpahla namasevisi izinhlobo cash namarisidi evamile ihlukaniswe: iphepha nawe-elekthronikhi. Esimweni sokuqala, ikhasimende uthola irisidi zisephepheni, futhi okwesibili - kuphela inguqulo ye-electronic.

By endleleni, lapho ithola elekthronikhi kungaba njalo ngokushelela idluliselwe inguqulo okunye leliphepha. Kodwa lokhu kuba okokuqala kudingekile ukuphrinta. Hlola ngekhompyutha ukuze uthole ngempela emva lekhadi noma ngokusebenzisa lwemali virtual ezitolo inthanethi.

Kuyini irisidi?

Ngaphandle kwezinto ezibalwe ngenhla, zikhona ezinye izinhlobo yokuthengisa namarisidi. Ikakhulu, amathuluzi asetshenziswayo zihlanganisa abathwali iphepha ezisebenzisa osomabhizinisi yangasese yokubika. Kulokhu, ibhekisela ifomu yokuthengisa ukushelela, okuyinto umphelelisi owayephelele etholwe ngaphambili imali imibhalo (namarisidi). Ngokuvamile-ke asisebenzi amafomu ejwayelekile nokuziphendulela esiqinile ngoba indima esekelayo. Noma kunjalo, ulwazi olulandelayo elikhona ke:

• igama nguqulo yedokhumenti;
• xhumana imininingwane isithembiso;
• INN;
• ngosuku lalokho;
• inombolo ifomu;
• uhlu oluphelele izimpahla namasevisi;
• lemali;
• isignesha nemininingwane egcwele yomuntu obhekene elikhiphe isheke.

Kuyaphawuleka ukuthi leli phepha ukuze bangabhekani kulotshwe ulwazi mayelana ngamunye sempahla ethengwayo kanye nezinsizakalo (ikhumbula izindleko zalo kanye nesisindo). Ukuze kube lula wanezela, izinhlobo ezahlukene kwemisebenzi amasheke ebhaliwe incwadi akhawunti ezifanele noma incwadi imali.

Yini ongayenza nge amasheke?

Uma sikhuluma izibambiso ejwayelekile afakwe incwadi, ke ingasetshenziswa ukukhokhela izimpahla kanye nezinsizakalo. Ngenxa yenethiwekhi iphepha bengathola kakhulu umkhiqizo noma isevisi, kodwa ngemva kokuba inkokhelo yabo ngokugcwele. Ngaphezu kwalokho, kuba ukusekelwa imali kuzosiza ukuxazulula isimo ingxabano, isibonelo, uma uthenge umkhiqizo okuyiphutha noma eliphansi into. Kuphakathi kwakunenzuzo ethile ukudideka nge intengo. Futhi namarisidi usizo ukugcina irekhodi inani izimpahla ezithengisiwe futhi bacabanga isamba sokugcina.

Izinhlobo amasheke Sberbank

Kukhona namarisidi ezilinganisiwe futhi Sberbank. Isebenzisa imiqulu yezezimali, eqinisekisa ilungelo lokuthola ethile (ngokuvamile ke kuyehluka ku ezahlukene 10-100 000). Basuke ekhishwe at igama iklayenti, kodwa kuphela ngemva kokwenza imali ku-akhawunti. Kuyaphawuleka ukuthi igama enhlanganweni yasebhange kungaba ekhishwe hhayi ningi than isheke eyodwa. Uma wayefisa, lo mbhalo ungalotshwa igama kwelinye ikhasimende. Kodwa kule ndaba, wonke amalungelo wayo uthola umnikazi omusha.

Lezi zinhlobo amasheke may:

• izokhokhwa ngokheshe esivuna abantu yemvelo;
• esetshenziswa njengoba kukhokhelwe izimpahla noma amasevisi;
• isicelo ukuqinisekisa inkokhelo imikhiqizo noma amasevisi.

Esikhathini Savings Bank wayeke wasebenza futhi okuthiwa amasheke. Sikhuluma ngezansi.

Yiziphi "travel" noma isihambi izibambiso?

Olunye uhlobo amasheke abhekwa imibhalo ukukhokhelwa. Lezi izibambiso kuvame esikhishwe travel ejensi, amabhange, uhlelo yemali omhlaba kanye nezinye izinhlangano zezimali. Empeleni, zingabantu inhlobo imibhalo isiphetho, ikuvumela ukuba ukuthenga lokhu noma lokhuya inkonzo, abe ukudla. Umnikazi abezindaba ukukhokhelwa kungenzeka iyiphi inhlangano ebonakalayo. Kulokhu, ngesikhathi ukuthengwa umnikazi ikusasa leli phepha ukuze bangabhekani ubophekile ukuba abeke isignesha yakhe kuso.

Isimo nge izinkokhelo eRussia nakwamanye amazwe

Ngokungafani iningi uthi angaphandle RF idatha izinhlobo zokukhokha kungavamile. Noma kunjalo, namanje wahlanganyela ezinye izikhungo zezimali, isibonelo, ngaphambili kwaba Sberbank eRussia. Okwamanje, ukuba bashintshisane ukuthenga izaphulelo kungaba "Svyaz-Bank" VTB Bank of eMoscow futhi "BANK URALSIB". Kuyaphawuleka ukuthi abanye kuzo babeze uhlele uhlobo senzo imiklomelo okuhloswe ngaso eziqhakambisa uhlobo kuqhathaniswa entsha yokukhokha.

Amabhange, ukusebenza izibambiso angathengwa American Express amathuluzi wokukhokha. Kulokhu, ukubaluleka okuzisholo amasheke ezinjalo kuba kuka-50 no-500 aseMelika kanye euro. Inani ikhomishini ukuthenga zabo enhlanganweni icala ngaphakathi 0.5%. Ngo ruble imali yamaphepha zasekhaya noma zangaphandle ezisetshenziswa njengoba uhlobo lwemali.

Lapha, abalandeli zalezi zinhlobo imibhalo Unelungelo uzikhokhele. Kulokhu, lo bhala-off lemali edingekayo kusukela amasheke lomnikazi we-akhawunti. Yiqiniso, iholo ngale ndlela can kuphela izitolo duty-free (duty khulula). Zonke ezinye imibhalo empeleni umklomelo lwemali yasekhaya noma angaphandle at lamanje exchange rate ye ibhange.

ethandwa kakhulu lezi amasheke kukhona eMelika. Lapha kungasetshenziswa ukuthenga izimpahla kanye nezinsizakalo. Ngakho-ke, kwenzekani uhambo imibhalo ukukhokhelwa United States yafakwa ngokuphepha, okulingana nemali yendawo.

Indlela yokuthola amabhange ukuba bashintshisane ukuthenga?

Ukuze uthole inhlangano efanele lapho ungakwazi ukuthenga noma ukushintshanisa amasheke yakho, kumele uya olusemthethweni isiRashiya isisetshenziswa American Express aetclocator.com. Kufanele usethe nemingcele ezifanele, esekelwe okuyinto ungathola igatsha lakho lendawo le-yezezimali. Ngokwesibonelo, ngokukhetha emaphandleni nasemadolobheni Russian eMoscow, ungathola uhlu iminyango eziyisikhombisa "Svyaz-Bank".

Imininingwane Okufanayo ingatholakala kwi americanexpress.com indawo ngaphambili ngezwe futhi encomekayo esibonakalayo ulimi.

Ahlukahlukene futhi izici umgwaqo

Okwamanje aziwa lezi zinhlobo ezilandelayo amasheke:

• American Express ne-Visa Interpayment.
• CitiCorp.
• Thomas Cook Mastercard.

American Express kubhekwa ethandwa kakhulu. Bangabakhe edume kakhulu umkhiphi, futhi iyatholakala lezi zinhlobo ezilandelayo izimali zakwamanye amazwe:

• Australia futhi US dollar;
• reals Saudi;
• lo esihle kakhulu iphawundi;
• RMB;
• dollar Canadian;
• Euro;
• yen Japanese futhi t. d.

Okwamanje eRussia kukhona kuphela izibambiso dollar kanye euro. Zonke ezinye ethandwa neze. Ngenxa yalesi sizathu, bayidlanzana kuphela kubo ejikelezayo.

Ithengwa kanjani i-futhi kube nzima?

Ukuze uthenge amasheke kumele ufike ebhange abakhethiwe, ukucacisa Yiqiniso nokuhleleka imibhalo ihlelo efanelekayo. Kulokhu, imibhalo uzodinga ipasipoti yangaphakathi noma yangaphandle. Emva kokuthola kubo, kufanele ufake isiginesha yakho ku ekhoneni eliphezulu esinxeleni. Lesi senzo ngeke zisize ukugwema hassles ezihlobene ne-ukulahleka noma ukweba izinsimbi zakho zokukhokha. Ngamanye amazwi, akekho uzowasebenzisela kodwa. Ukuze uqinisekise ukuthenga kwakho, njengoba umthetho, it ikhishwa irisidi. Lichaza okushiwo nokuzuza, kwenani eliyimali, bachitha imali engakanani futhi imininingwane yakho yokuxhumana.

Yiziphi izinzuzo amathuluzi umgwaqo?

Ukusetshenziswa amasheke kungenxa eziningi eziwusizo. Ngokwesibonelo, le mibhalo musa yisikhathi. Ngenxa yalesi sizathu, avame hhayi kuphela ligcinwe iminyaka, kodwa kungase ngisho ngofuzo.

Inzuzo yesibili ikhono lokusebenzisa amasheke okukhipha phesheya imali eningi. Kulokhu, akusho ukuthi noma iyiphi komkhawulo. Lokhu kuyasiza ikakhulukazi lapho injongo oyinhloko uhambo lwakho kuyinto ukuthenga ingcebo noma imoto. Nokho, uma inani idlula $ 10 000, uzodinga uyifake emasikweni isimemezelo.

Ngaphezu kwalokho, ukuhlolwa zivumelane ngokuphelele iguqulwe phesheya. Kushintshaniswa kubo ngoba yendawo, ungakwazi sina londoloza. Ngaphezu kwalokho, ubukhulu ikhomishini exchange of security elilodwa ngokuvamile akukho engaphezu kweyodwa dollar.

Kuphephile yini ukuyisebenzisa?

Ukusetshenziswa amasheke nakanjani ephephile. Noma ulahlekelwa ngisho eyodwa, kuzosiza ukuxazulula inkinga omele eliseduze yebhange lakho. Ukubuyela imibhalo ukukhokhelwa udinga kuphela ukwethula irisidi noma ucacise isibalo oda walahlekelwa yimali. Futhi-ke, zonke izincwadi zibhaliswe. Ngenxa yalokho, ngaphandle kwakho, abayona umuntu ozokwazi ukusizakala.

izici ezingezinhle ukusetshenziswa

Phakathi izici ezingezinhle ukusetshenziswa amasheke ungabahlukanisa yokuthi Kuyoba Noma ngabe yikuphi kufanele ubhekane imali. Khona-ke abakhululiwe oyithola ku ukulethwa lapho uthenga. Futhi ukutholakala imali phesheya ihilela izingozi ezithile, ezifana ukulahleka noma ukweba. Futhi-ke, uma udinga ukushintshashintsha amadokhumenti wakho ku yendawo, amabhange kuyofanele balufune ukwenza leyo misebenzi.

Uma sikhuluma e olujwayelekile mayelana amasheke, kanjalo kubeka isimo sabo isobala. Bona lula inqubo yokuthola izimpahla noma amasevisi, kodwa ngesikhathi esifanayo elihlobene ne umehluko wemisindo nemiqondo yamagama athile. Ikakhulukazi, eRussia, kuzodingeka ukusebenzisa kusesho Izitolo ukuba sizamukele. Okuhluke kakhulu kunjalo nge credit cards. Bathatha yonke indawo, cashing futhi exchange.