Zvichida tagara tichinzwa mashoko acho "Bank Clearing" Muchinyorwa chino tichatsanangura akakosha mabasa ayo, mashandisiro uye zvazvinoreva.
Bank Clearing
Kucheneswa kwebhangi ndiwo ese mabasa anowanikwa kubva panguva iyo kuzvipira kwekutengeserana kunowanikwa kusvika kwapera. Inozadzisawo basa rakakosha rekupa ruzivo rwekutengesa kumakambani uye masangano emari zvinoenderana nenhoroondo yevatengi vayo.
Zvakakosha kujekesa kuti kujekesa chinhu chakakosha uye chinogadzirisa mubhangi maitiro nekuda kwekukurumidzira kwekushanda kwayo pakupedzisa kutengeserana.
Kuita maitiro aya, maitiro anotevera anofanirwa kuverengerwa, ayo anotsanangurwa pazasi
- reporting
- Kuongorora njodzi
- Kugadziriswa kwemari yakashandiswa
- Mitero
- The control
Kuti tienderere mberi nekuvandudzwa kwechinyorwa ichi, tinofanira kukoshesa zvinoreva Clearing House, izwi rinofambirana nekubvisa mari mumabhanga.
Iyo clearinghouse isangano rine chinangwa chekutarisa uye kuvimbisa kushanda kwezvikwereti zvezvikwereti, vanoisa mari nevamwe vamiririri vezvemari, kuitira kuti vakwanise kuita mabasa avo ekubhanga kuburikidza nekubhadhara, kujekesa, uye kugadzirisa pakati pavo zvakachengeteka, zvinobudirira uye zvinobudirira.
Kuburikidza neimba yekuchenesa, mashandiro ese anoitwa pakati pemasangano emari anoderedzwa kusvika pachiyero chimwe (mukwereti kana mukwereti).
Kucheneswa kwebhangi inzira iyo mabhanga anoedza kuita mabasa avo ekutamisa nekudzorera pakati pavo. Mashandiro azvinoita: mutengi anoisa cheki kubva kune rimwe bhangi muakaundi yake yekubhangi. Bhangi rinogamuchira cheki rinofanira kuenda kuClearing House uye rinofanirwa kuchinjana cheki yecheki yakapihwa nesangano rako. Muchiitiko chekuti panguva yehurongwa iyo Clearing House haina kubvumidza chero gwaro, muripo hauitwe.
Tarisa kuronda murudzi urwu rwekuita kunoitwa nekuda kwebhangi kodhi kana nhamba inoonekwa pane yega yega cheki kuti zvive nyore kuziva. Mune mamwe mazwi, inzira yakachengeteka iyo, kunyangwe ichitora maawa akati wandei, inobvumira kuti mashandiro aya aitwe nemazvo uye marekodhi emutengi wega wega anosimbiswa nemazvo. Kana iwe uchida kuziva zvishoma nezve iyi inonakidza musoro, ini ndinokukoka iwe kuti uone yedu link Chii chinonzi Cirbe?
Isu sevatengi hatipindire mumabhangi ekubvisa hurongwa, asi chatinofanira kuyeuka ndechekuti mazwi nekushanda kwakakoshawo kwatiri, sezvo isu tiri chikamu chakakosha chehurongwa hwemari.
Matemu atichaona dhipoziti muakaundi yedu achasiyana zvichienderana nekuti mubatanidzwa wacho wakafanana here, mune iyi nyaya ichave maawa makumi maviri nemana, kana masangano akasiyana maawa makumi mana nemasere, uye kana nyika dziri dzenzvimbo dzakasiyana dzenguva. iro izwi rinogona kuva rakakura kudarika rakapfuura.
Kuti ujekese chero kusahadzika kungave kuripo pamusoro pekuti kubhengi kunoshanda sei, zvinofanirwa kuratidza kuti iyi ndiyo seti yekutengeserana kunoitwa pakati pemabhangi uye / kana masangano emari anotungamira mukuitwa kwemari, zvinyorwa, cheki uye nezvimwe. , nechinangwa chega chekuchengetedza kutendeseka nekuchengetedzeka kwevatengi.
Clearing Systems kana banking clearing inopa musanganiswa wehunyanzvi hwepamusoro hwakagadzirirwa kuchengetedza nhengo nevatengi vemisika yeramangwana. Nzira dzakashandiswa kugadzira masisitimu aya anoumbwa nekuvandudzwa kwakawanda kubva pazvakatanga kushandiswa nemisika.
Kuburikidza nekusikwa kweClearinghouses, uye kuburikidza nedziviriro yakaitwa navo, chinangwa chaidiwa chakaitwa: kupa yunifomu uye inoenderera kudzivirira kubva pakutyorwa kwezvibvumirano, kuvimbisa mabhizinesi evatori vechikamu.