Uyini isithakazelo ebhange?

Bank isithakazelo sekukhona leholele lamabhange. Nakuba endulo kwakukhona umkhuba ukunikeza into lathathwa imfuneko ukubuyela imali ekulu komkhiqizo. Kumele kuthiwe zefilosofi zasendulo akayithandanga usury ngoba Babekholelwa ukuthi imali ayibalulekile eziwumgogodla, ngoba babengekho ngesikhathi ekudalweni kwemhlaba Nkulunkulu. Futhi ukuthi akanayo value eziwumgogodla kungenzeka idluliselwe mahhala komunye umuntu ngaphandle ukulahlekelwa umnikazi kokuqala. Yayisekelwe Kuyinkolelo-ze njengoba ukwelapha lesi ezivamile imisebenzi yasebhange lahlala bamasiko amaSulumane. Ngendlela yesimanje kwezinhloso zenzuzo yasebhange ibe nesiqalo kusukela ngekhulu le-17, lapho ngentshiseko ekuthuthukiseni ukuhweba phakathi esezingeni eliphakathi nendawo.

Inani lale ipharamitha kuncike izinqubo eziningi kwezomnotho. Kodwa khumbula ukuthi izinga yasebhange - sekwadlula ngempela ezibanzi. Ukwaba okungenani ezintathu izinhlobo zayo:

- inani lenzalo ku imali kanye imali, okuyinto ibhange okhokhela kumuntu ubani owafaka imali yabo esikhungweni credit;

- inzalo emalini ebolekwe, okumele akhokhe lowo wathatha imalimboleko ebhange;

- inzalo interbank ukubolekisa, okuyinto amabhange ukhokhe nomunye lapho ibekwe izimali okwesikhashana khulula.

Kukholakala ukuthi isithakazelo yasebhange okusezingeni eliphezulu kunomthelela ongemuhle, ngoba kunciphisa umsebenzi kwezomnotho ngenxa yezindleko anda dolobha. Kulabo ukubeka imali ku idiphozi, kuba kungenzeka futhi ezinhle. Kodwa-ke kwandisa izinga loan, wanciphisa inani abantu noma izinhlangano ongathanda ukuthatha imalimboleko ebhange, okwagcina kuholela wehlise zenzalo ku imali.

Kwathi lapho ibhange senzalo incipha, bonke abathintekayo izinqubo zezomnotho ungathola okwengeziwe eziphansi izimali ekukhuliseni ukudalwa umthamo production, zishukumisa izinqubo ukuhweba, okuholela ekwandeni isibalo semisebenzi, amavolumu enkulu yemikhiqizo, ephakamisela izintela ngaphezulu amazinga efanayo, nokunye .c. Ngakho-ke, isimo isikhathi eside ivame ukuba alawule lezi izinqubo ngokusebenzisa umthelela zenzalo, imithetho yentela kanye isimiso idiphozi umshwalense sabantu.

Imali ebhange amazinga kubalwa ngesisekelo inkontileka, okungabandakanya ukukhokha inzalo ekupheleni kwezinsuku idiphozi noma ukukhokha inzalo, isib, ngekota, by kuvalwe idiphozi. Kwenye indlela Inzalo ibalwa, uma, isibonelo, kuthiwa ekhokhwa njalo ngenyanga futhi akakhishwanga. Endabeni elula, ukucacisa imali yesibambiso kuyadingeka deposit lemali iphindwe (1 + senzalo ka \ 100 * ngesikhathi idiphozi ezinsukwini \ izinsuku ezingu-365 ngonyaka).

Inzalo yemali mboleko, ikhasimende kufanele ukhokhe sezimali loan futhi kuxhomeke ezicini eziningana, kuhlanganise indlela ukubuya kuthathwe uthishanhloko kanye nesithakazelo. Abakwazi kabusha ndawonye (akhokhe inzalo futhi ingxenye yemali ebolekwayo) by indlela yemphesheni (ukubuyela letilinganako), kanye nokukhokhwa uthishanhloko loan kuphela ekuvuthweni. Nasi Eqinisweni ezithakazelisayo ukuthi ngenzalo eyodwa izinga nezindlela ezahlukene ukubala we isamba esakhokhwa ebhange kungenzeka ukuhluka.