Imirhawulo yeHlanganisa NomaPhakathi: Izisombululo Esefulekayo yeNkqo Ekuhambeni Kwemali

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indlela yokulawula phakathi kwezifundazwe

Imali yokuthumela phakathi kwezizwe iyabonisa izindleko ephindwe ngenkqubo yokuthumela imali phakathi kwezizwe ngemisebenzi yokubhankisa nokukhokha imali. Le ndleko ifaka phakathi izindleko zokuthiwa, izindleko zokuguqula imali, nezindleko zebhanki lokuphindwa. Izinko yezeitimbo zokuthumela phakathi kwezizwe ezintsha zisebenzisa amadatayesi wezimali, zifaka phakathi izinhlobo zokukhipha SWIFT, iteknoloji yebhlokwe nezinethiwekhi zokuthumela imali ngokushesha ukuze kuthintwe imali ngokuphelele. Isimo sezindleko sijwayelekileya kushintshwa ngokwemigomo efanayo nezingxenye zokuthumela, izizwe elidestination, indlela yokuthumela, nezinko zemali ezithintekayo. Le ndlela zisebenzisa izindleko zokubhokha amathuluzi nezinko zokwembenza ukuze kuthintwe izindleko zokukhokha imali phakathi kwezizwe. Iteknoloji eqondileyo ifaka phakathi izinko zokuthumela imali, izinethiwekhi zokuthumela imali, nezinko zokukhokha imali ezisebenzana ngokuxhumana ukuze kuthintelwe izinto. Izinko zemali zisebenzisa le ndlela ukuze zinike amasevisi aphakathi kwezokuthumela imali yabantu kuya kwezokuthumela imali ezinkulu, nganye enenye lezo zinike amathuluzi amathathu ukuze akhokhe izindleko zokusebenza bese kutholwe imali futhi kuthintwe ukuthi kusebenze ngendlela ejwayelekileyo emathulweni aphakathi kwezizwe.

Imikhiqizo Emisha

Imirhawu yokuhambisa izimali phakathi kwezifundazwe iyabelana nezinhloso eziningi ezingcono eceke ukuba yilodwa wesibonelo esibalweni sokuhambisa izimali phakathi kwezizwe. Okokuqala, iyonikeza indlela ephakeme neyekelwe yokuphatha izindleko zokwenza imali phakathi kwezizwe, kulokho kuvumela abasebenzisi nezinto zokuphlanipha ukuthi babekwe ngendlela efanelekileyo. Isimo seyimali ngokuvumelekile sikhuseleke nezindleko zokulawula ukuthi imali ehambe phakathi kwezizwe isihlale sigcinwe kumaqo angathandeki nezimoto zokwenza imali. Ngokudla, le miyalelo isikhwama sokuphutha neyokuthuthukisa izinethiwekhi eziphambene nezimali ehambe phakathi kwezizwe okwenza ukuthi izimali zihambiswe ngokushesha phakathi kwezifundazwe. Kumaqo, le miyalelo yesimali phakathi kwezifundazwe ngamanye amathimekile nezinhloso ezifakwe ngaphandle njengekucabisa imali, ukwenza amaphela ngokuzenzekelayo, nezinye izinkomba zokubika izimali. Ukuthi le miyalelo iyalingana phakathi kwezimali nezifundazwe zonke kwenza ukuthi kubekwe ngendlela efanelekileyo kubaba nezimali, kulokho kuvumela ukuphlanipha kahle kwezimali nezinkomba zokuphlanipha. Imirhawu yokuhambisa izimali ephetheni kanye nezindleko zokwenza imali kuvumela ukusebenzisa izindleko eziningi, kuvumela ukuthi kumele kwenzeke ngendlela efanele kubaba nezinto zokusebenza. Ukuthi le mirhawu iyalingana nezinto eziphambene nezimali kuvumela ukuthi kumele kwenzeke ngendlela efanelekileyo kubaba nezimali, kulokho kuvumela ukuphlanipha kahle kwezimali nezinkomba zokuphlanipha. Imirhawu yokuhambisa izimali ephetheni kanye nezindleko zokwenza imali kuvumela ukusebenzisa izindleko eziningi, kuvumela ukuthi kumele kwenzeke ngendlela efanelekileyo kubaba nezinto zokusebenza. Ukuthi le mirhawu iyalingana nezinto eziphambene nezimali kuvumela ukuthi kumele kwenzeke ngendlela efanelekileyo kubaba nezimali, kulokho kuvumela ukuphlanipha kahle kwezimali nezinkomba zokuphlanipha. Imirhawu yokuhambisa izimali ephetheni kanye nezindleko zokwenza imali kuvumela ukusebenzisa izindleko eziningi, kuvumela ukuthi kumele kwenzeke ngendlela efanelekileyo kubaba nezinto zokusebenza. Ukuthi le mirhawu iyalingana nezinto eziphambene nezimali kuvumela ukuthi kumele kwenzeke ngendlela efanelekileyo kubaba nezimali, kulokho kuvumela ukuphlanipha kahle kwezimali nezinkomba zokuphlanipha. Imirhawu yokuhambisa izimali ephetheni kanye nezindleko zokwenza imali kuvumela ukusebenzisa izindleko eziningi, kuvumela ukuthi kumele kwenzeke ngendlela efanelekileyo kubaba nezinto zokusebenza. Ukuthi le mirhawu iyalingana nezinto eziphambene nezimali kuvumela ukuthi kumele kwenzeke ngendlela efanelekileyo kubaba nezimali, kulokho kuvumela ukuphlanipha kahle kwezimali nezinkomba zokuphlanipha. Imirhawu yokuhambisa izimali ephetheni kanye nezindleko zokwenza imali kuvumela ukusebenzisa izindleko eziningi, kuvumela ukuthi kumele kwenzeke ngendlela efanelekileyo kubaba nezinto zokusebenza. Ukuthi le mirhawu iyalingana nezinto eziphambene nezimali kuvumela ukuthi kumele kwenzeke ngendlela efanelekileyo kubaba nezimali, kulokho kuvumela ukuphlanipha kahle kwezimali nezinkomba zokuphlanipha.

Izeluleko Ezisebenzayo

Usuku Lwesikhathi Sombuso, Ukubalekiswa Nethando Sethathe Ngonyaka

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Usuku Lwesikhathi Sombuso, Ukubalekiswa Nethando Sethathe Ngonyaka

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indlela yokulawula phakathi kwezifundazwe

Ukufinyelela kwehlukile futsi kusungula izindleko

Ukufinyelela kwehlukile futsi kusungula izindleko

Isisitemu samakhefis yenkululeko yokuhambisa imali ngemkhawulo yenkululeko sikhuthaza ukuhambisa imali phakathi kwezwe ngokunikeza isisombululo esinamakhefi endaweni yezwe. Le ncambo yamakhefis enkulu yenkqubo yenzelwe ukulungiselela ukuphakama phakathi kwezindleko zokusebenza nezindleko ezingcono kubasebenzisi, ukwenza ukuthi kungcono ukufinyelela kwezwe kakhulu kubasebenzisi. Inkqubo yenkluvo ukuthi kunezindleko ezingenakutshintshwa eziguqula ngokwesikhathi, ubukhulu, neqhombisa, ukuvumela abasebenzisi ukuthola impumelelo yemali. Izinhlelo zokubala ezinhle zihlinzeka kanye nezindleko zokubala ukuthi zilandelane nezimo zokusebenza ngokwesikhathi, ukuvumela ukuthi izindleko zibe konkanywe ngaphandle kokuthile kakhulu. Inkqubo yenkluvo kanye nezindleko ezahlukene, ukuvumela abasebenzisi ukukhetha phakathi kwezindleko ezijwayelekile nezindleko ezinkokheliwe ngokwesikhathi nezindleko, ngokwesikhathi nezindleko. Le nkonzo yemali nezindleko zokusebenza kuvumela amakhampani nezindvudu ukubhala amakhetho kwezwe ngokunamandla, ngelokho kuvumela ukuthi kungcono ukufinyelela kwezwe kakhulu kubasebenzisi.
Ukuvikeleka Okuthuthukisiwe Nokuthobela

Ukuvikeleka Okuthuthukisiwe Nokuthobela

Imirontsho yenkululeko kumathilwana ivumela ukusebenzela kwezimali zokugcina nokwamiswa okuphathelene nokugcina izinkambu zokuhlolwa. Iskejulu sokulawula simo yekhowudiwa ngokwezifiso zokuhlola amandla, izimo zokuvumela ukungena ngemiyadi emibili, nezindlela zokuhlolwa ngokushesha kwezinkambu. Lezi zimo zibuye zihlaziywa ukuze zixhomeke emathilweni amasha azokungcola nokwamiswa nezimo eziphathelene nomthetho ophakathi. Isisitemu senziwe ngokuzenzakalelayo ukwamiswa kwezokweziswa (AML) nokwazi kwekhasimende (KYC), ukuze zonke izinkambu zilondolele izimo zomthetho eziningi. Izitechnoloji ezibonakalayo zokugcina zilawula izinkambu ezifanele ukugcina izimali kwayo yekhowudiwa, ngelokho izinhlelo zokuvikela ngokuzenzakalela zinesiko lokungena kakhulukile kanye nokwekhumela ukwehluka kwezimali. Iskejulu sokulawula sibuye senziwa ukuthi sikhuphe izindlela zokusebenza nezokugcina ukuze sikhombise amandla amasha nezokusebenza ngokugcobo.
Ukuxhumeka Okuphelelelweyo nokunyeleka

Ukuxhumeka Okuphelelelweyo nokunyeleka

Isicathamiya somkhiqizo wekhredithi kuxhumana ngokuphelele kwezinye izicathamiya zemali nezinhlelo yokukhokha, kwenza ukuba kube lula ukukhokha phakathi kwezwe. Isicathamiya sokukhokha sivumela imithwadi yokukhokha nezimali eziningi, kuvumela abasebenzisa ukuthi bakhokhe ngendlela abathanda ngayo. I-API yekhono lokuxhumana ngokuthokozisa kuvumela izinkampani ukufaka phakathi izinhlelo yokukhokha emsebenzini wabo, kwenza ukuba kube lula ukukhokha nekuhlela kwekhuso. Le nhlelo ivumela izinhlelo zebhanki zomakhalele nezinhlelo zedijithali, kwenza ukuba kube lula ukukhokha phakathi kwezwe ngokusebenzisa izinhlelo ezenzakalelayo kuzindlela eziningi. Ikhono lokusebenza ngokushesha lenyathela ukuba kube lula ukugcina isicelo, ngelokho izinhlelo zokusho zokuthi zilokhu zivusele abasebenzisa mayelana nendawo yabo yokukhokha. Isicathamiya sokukhokha senconywa fakwe izimo zokukhokha ngokuphindaphindiwe nekuhlela okuphindaphindwa, kwenza ukuba kube lula kwezinkampani ukuphatha izinkhokho eziphakathi kwezwe.

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