Mhlawumbi siye saweva ngokuphindaphindiweyo amagama "Ukucocwa kweBhanki" Kweli nqaku siza kuchaza imisebenzi yayo ebalulekileyo, ukusetyenziswa kunye nentsingiselo.
Ukucoca iBhanki
Ukucocwa kwebhanki yiyo yonke loo misebenzi ifunyenwe ukusukela ekuzibopheleleni kwentengiselwano ide igqitywe. Ikwazalisekisa umsebenzi obalulekileyo wokubonelela ngolwazi lwezorhwebo kwiinkampani nakwimibutho yezemali ngokwembali yabathengi bayo.
Kubalulekile ukugqamisa ukuba ukucoca yinto ebalulekileyo kwaye ithatha isigqibo kwinkqubo yebhanki ngenxa yesantya semisebenzi yayo xa igqibezela intengiselwano.
Ukwenza le nkqubo, ezi nkqubo zilandelayo kufuneka zithathelwe ingqalelo, ezichazwe ngezantsi
- ukunika ingxelo
- Ukujongisisa ubungozi
- Ukuhlawulwa kweendleko ezenziweyo
- Iirhafu
- Ulawulo
Ukuqhubela phambili nokuphuhliswa kwesi sihloko, kufuneka sithathele ingqalelo intsingiselo ye-Clearing House, igama elihamba kunye nokucima ibhanki.
I-clearinghouse ngumbutho onjongo yawo ikukujonga kunye nokuqinisekisa ukusebenza kwamaziko amatyala, abatyali-mali kunye nezinye ii-arhente zezemali, ukuze bakwazi ukwenza iintengiselwano zabo zebhanki ngeentlawulo, ukucima, kunye nokuhlawula phakathi kwabo ngokukhuselekileyo, ngokufanelekileyo nangempumelelo.
Ngokusetyenziswa kwendlu yokucoca, yonke imisebenzi eyenziwa phakathi kwamaqumrhu emali icuthelwa kwibhalansi enye (umntu onamatyala okanye otyalwayo).
Ukucocwa kwebhanki yinkqubo apho iibhanki zizama ukwenza imisebenzi yazo yokudlulisela kunye nokubuyisela phakathi kwazo. Indlela esebenza ngayo: umthengi ufaka itsheki esuka kwenye ibhanki kwiakhawunti yakhe yebhanki. Ibhanki efumana itshekhi kufuneka iye kwiClearing House kwaye kufuneka itshintshise ngetshekhi leyo ikhutshiweyo kwiziko lakho. Kwimeko apho ngexesha lenkqubo iNdlu yoCaciso ayigunyazisi naluphi na uxwebhu, imbuyekezo ayiyi kwenziwa.
Ukujonga ukulandelela kolu hlobo lwenkqubo kwenziwa ngokubulela kwikhowudi yebhanki okanye inombolo ebonakala kwitshekhi nganye ukuze kube lula ukuchonga. Ngamanye amazwi, yinkqubo ekhuselekileyo yokuba, nangona kuthatha iiyure ezininzi, ivumela le misebenzi ukuba iqhutywe ngokuchanekileyo kwaye iirekhodi zomthengi ngamnye ziqinisekisiwe ngokuchanekileyo. Ukuba ufuna ukwazi ngakumbi malunga nesi sihloko esinomdla, ndikumema ukuba ubone ikhonkco lethu Yintoni i-Cirbe?
Thina njengabathengi abaphazamisi inkqubo yokucima ibhanki, kodwa into ekufuneka siyikhumbule kukuba imimiselo kunye nokusebenza kubalulekile kuthi, ekubeni siyinxalenye ebalulekileyo yenkqubo yezemali.
Imiqathango apho siza kubona idiphozithi kwi-akhawunti yethu iya kwahluka ngokuxhomekeke ekubeni iziko liyafana, kulo mzekelo kuya kuba iiyure ezingama-24, ukuba amaqumrhu ahlukene iiyure ezingama-48, kwaye ukuba amazwe angakwimimandla eyahlukeneyo yexesha apho igama linokuba likhulu kunelangaphambili.
Ukucacisa nayiphi na intandabuzo enokuthi ibe khona malunga nendlela yokucoca ibhanki, kuyimfuneko ukukhankanya ukuba le yisethi yeentengiselwano ezenziwa phakathi kweebhanki kunye / okanye amaqumrhu emali ekhokelela ekuphunyezweni kwemali, amaxwebhu, iitshekhi kunye nabanye. , ngenjongo yodwa yokukhusela intembeko nokhuseleko lwabathengi.
IiNkqubo zokuCoca okanye ukucinywa kweebhanki zibonelela ngendibaniselwano yezona ndlela ziphambili ezenzelwe ukukhuselwa kwamalungu kunye nabathengi beemarike zexesha elizayo. Iindlela ezisetyenzisiweyo ukuphuhlisa ezi nkqubo zenziwe ngohlaziyo olungabalekiyo okoko lwaqalayo lwasetyenziswa ziimarike.
Ngokudalwa kweeClearinghouses, kunye nokukhusela okuphunyeziweyo kubo, injongo efunwayo yaphunyezwa: ukubonelela ngokulinganayo kunye nokukhusela okuqhubekayo ngokuchasene nokuphulwa kwezivumelwano, ukuqinisekisa amashishini abathathi-nxaxheba.