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Ukuziqonda Imali YaseMzini Ngaphandle KweSibhanki yaGolobhu yaSberbank
Indawo yomthelelo wase mzini yayihluka kakhulu, futhi uSberbank uyaphakade kuleli guquko. Ngoba isibhanki esikhulu kwiRussia, uSberbank wadala izinhlelo ezivikela ukuthengiswa phakathi kwemibuso, ekwenzela ukuthi imvume ye-Sberbank ibe yinqobo eyisisekelo yesistemu yomthelelo ophakade. Nakuba ungumnikeli wengcinga onquma umnothi phakathi kwemibuso noma umuntu ofakela imali kudadewabo phakade, ukuziqonda iindlela ezahlukene zokwenza imvume yomthelelo phakade ngapha kweSberbank kubaluleke kakhulu ukuba kube nemvelo.
Ukuzimeka kwezinhlelo zokubhanki kwenza kube lula kakhulu ukwenza izivumelwano zasekhanda. Kodwa, ukulandela izinketho ezahlukene zezindleko ze-sberbank phakathi kwezizwe kudinga ukuqwalasela okungcono kwezinkinga ezifana nokusa kwebhantsheli, izinkonzo zokuthengisa, nezindleko eziqhakazile. Masiyimfundeni izindlela ezihlakaniphile ekunqumeni izindleko zakho zasekhanda ukuze zenzeke ngendlela elula nehambe ngempela.
Izisombululo Zokubhanki Ngendlela Ezenzekelayo Zokuthutha Kwezizwe
Izihlomelo ZeBhanki Ngendlela Ezenzekelayo
Inhlaka yebhanki ye-sberbank ngendlela ezenzekelayo ibalulekile kakhulu ekugcineni izisombululo zokulawula imali ngendlela ezenzekelayo. Umfanekiso wokusebenza ongcono ungcinezela abathengi ukuba benza izindleko ze-sberbank kubantu basezizweni ngezinqamulelo ezimbili kude kudoti labo. Le sihlomelo sinesilinganiso esikhuliswayo sekhirakhiro, izincomo ezibonakala kakhulu, kanye negameleka ngokushesha kwizivumelwano, lokhu kwenza kube yinto ethembekile kubo bathengi abadinga ukuphatha izivumelwano zasekhanda ngendlela ezenzekelayo.
Izici ezideyelekileyo zokuphelelwa kwezimali, kufakwele ukuthi kubonakale ngokuphathelene nokuthi kuneziphatha zokukhuseleka, zihlinza konke okuqukethwe. Indawo yokusebenzisa uhlelo lokuthengisa ihlanganisa into eyodwa yokugcina izinombolo zomkhuba wekuquketha ukuze kube lula ukwenza imithwalo yezimali ephinde phinde, ihlanza indlela yokwenza imithwalo yezimali ngezinsuku ezihlukene.
Indawo Yokubhankela Ngokweshedule
Indawo yokubhankela enguwebhu iholela izinkokhelo eziningi ekuphatheleni imithwalo yezimali ngesonto yasendaweni. Abasebenzisi bangafinyelela imbonakalo emfushane yesimo sokuthengiselana kwamathambo, bangcwalise imithwalo esizotjenzeka, futhi baphathe amathambo aphezulu ngamakhophonya akhuselekile. Indawo iholela izinkokhelo ezibalulekile zokudokolozela, zivumela abasebenzisi ukugcina imbonakalo yezithengiso zezimali ngesonto yasendaweni ukuze kugcinwe imbonakalo kumthwalo wezimali futhi kuhlanganiswe nezimpendulo.
Abakhiqizi besivumelwano banelisekela kakhulu kuzo zonke izinkinobeko ezifakwe kusayithi webanking yonke, kubandakanywe ukuprosesa kwezimali eziningi nakho zokuguquguquka kwegolide ehlukanwe. Inqola ibonelela ngemfundo enjalo nempawuza ukuze kusize imbono yokuthenga kwebhizinisi yezimali eziphakeme.
Ukuxhumana Kwenethiwekhi yeSWIFT
Izilungiso Ezijulile Zomlando
Izilungiso zeSWIFT zihlala ziyisahluko esibhekene nesizathulo sezinga eliphelele lezimali, zabelana nokusebenza okuhle kanye nokwamukelwa kakhulu njengendlela yokulungisa izimali phakathi kwemibuso. Inethiwekhi yeSWIFT iyixhumanisa kuSberbank kakhulu emasethintshini amanzi asemazulwini onke, ihlinzekela ukuba kuhlengwe nezimali ngokuphelele kanye nokubonakala. Nakuba le ndlela ingaba inzima kunezinye izinkenzo ezidijithali, inikeza indlela yokuba isenzakalaleka kakhulu futhi ibaluleke kakhulu emasethintshini asemazulwini onke.
Ukuziqonda izikodi ze-SWIFT kanye ngezidingo zomthelelo waseNkululeko kubaluleke kakhulu ukuba kube lula ukulawula imali. Abakwethu bengcamango esimweni saseNkululeko base Sberbank bangacaphuna abaseshumi ekugcineni iindlela ezichanekileyo zokulawula imali ngendlela echanekileyo, ukuqinisekisa ukuthatha kwemali kwi-akhawunti eziphumelelayo.
Umxholo Womthelelo WaseNkululeko
Inxalenye yamandla e-correspondent banks yeSberbank ibe yinkimbinkimbi yokwenza imali yaseNkululeko ibe yinkimbinkimbi. Le miqasho inika ixesha elincinci lokuprosesa kwaye yinto ehlukileyo inika amaphuzu ambancinci abaseshumi. Ngokungcinezela umxholo wobunka, i-Sberbank ingaqwalasela iindlela zokulawula nezimali ezihlaziyiweyo kwiimali ehambelana nazo.
Inxalenye yezibanki ezinxulumene zinikeza futhi iindlela ezininzi zokuphepha kanye nezivikelo, ukuqinisekisa ukuthi zonke iindlela zokulawula ze-sberbank zifanele izidingo zomlawuli waseNkululeko ngelishwa nokuphila kwaye kuyindalo.
Izisolo Esebenzisa Ikhadi
Iikhadi Zokuthenga ZeNkululeko
Amakhadi ezigcinwe ngaphandle kweSberbank zinikeza indlela eyamkelwa yokufakela imali ngaphandle. Lezi zikhetheziwa zingasetshenziswa ukuthenga ngokudla futhi ukususa imali ku-ATM ngemali ehlukene, ngokuguqulwa ngokuzenzakalelayo ngezimali ezihle. Umxhase wasebhanki nasezenqolweni ezinhle zekhadi kuyakusiza ukuba kube yilishweshwe futhi kutholakale kude kude.
Izici ezide bezifundo njengekukhokha ngaphandle kokugcina nokuhlanganisa kwegadi yomthombo wengoma kuyakwenza lezi zikhetheziwa zibe yisidingo esikhulu kubalobheli nabathengi phakade. Ukubeka inkinobho yezinyathelo ngexesha elijulile kanye nezaziso ezafika ngokushesha kuyakunika ubuchule bempilo futhi ukuqukatha okunye emthengeni phakade.
Amakhadi Amanziweyo Kukuthengiselana Ngokweshidi
Izinqinisekiso zekhadi evakalayo zinikeza ukuvikelwa okuphuthumayo kwezimali ephathekayo ku-Sberbank phakade. Lezi khadi ezikhompyutha kusenzo kuchithiphala okukhethekile ngalinye i-transaction, kuyakuvikela imininingwane yakhawunti eyisiseko kanye nokuncipha isimo sokulahlekwa. Ukutholakala kwekhadi evakalayo eziningi kunceda abasebenzisi ukuphatha izigaba ezahlukene zokulipa kanye nokuphatha izindlela zokuthengisa ngendlela efanele.
Iyafani kakhulu kwezimali zemvelaphi kanye nezimali zezilandi, lezi khadi evakalayo zihlanganisa ngendlela ethembekile kumagunya aphathekayo amadala kodwa ekugcineni ubume bekuvikela obufanelekile kumathuba akhiweyo.
Izixhumanisi Ezintsha Zokulipa
Izinqinisekiso Ze-Blockchain
U-Sberbank usulelwa ukusebenzisa ubunye bwebhloki (blockchain) ukuze aphefumule izimali ephakathi. Lokhu kusibonelo kusho ukuthi kuzosusa ixesha kanye namanani okuphatha izimali, kanti kanciphisa ukubonakala kwizimali ephakathi. Ukuqashisa kwezimali ze-Sberbank ezibekiwe e-blockchain kungasiza ekuvikeleni kakhulu ubunzima bezimali ephakathi.
Izivikelo ezibalulekile kubonisa izimpendulo ezihlakaniphile ngokusho kwesivinini sezokuthengisa nokuncipha komthelelo. Nakuba sisesandleni, lezi zixhumanisi zibonakala yizizukulwane zesifundazwe senza imali futhi zibonisa ukuthanda kukaSberbank lokusebenzisa izinkokheli eziphucayo zezobuchwepheshe.
Izinhlelo Zokulapha Ngemini Yimali
Ukuxhumanisa nendiza yesivinini yokukhokha kuyithutha indlela lefakiwa ngayo amalungelo aphambili. Lezi ndiza zenzela ukuthi amalungelo kaSberbank aphinde phambi kwemilenze, ekunika isivinini esingaphezu kwesilinganiso nesikhathi ngempela kumasese. Ukususa kwezitebhulu lezi kwenza uSberbank abe nobuso bezindlela ezintsha zokufunda imali.
Iziphawu zokukhokha ngokushesha ziphawulwa kakhulu ngabasebenzi abadinga ukugcwalisa ngokushesha amalungelo aphambili. Ukuqashisa kwezitebhulu lezi kubonisa ukuthanda kukaSberbank lokuhlanjelana nezidingo ezishintshayo zabasebenzi emkhawulweni wophando.
Imibuzo Evame Ukubuzwa
Kutheni izinhlangano ezidingekayo zokukhokha kweSberbank aphambili?
Ngokuthuthela kwezimali phakathi kwezizwe, sizobaluleka ukunikeza ubungcwele obuyilungile, inkinobho yosizo lwesicelo, kanye ngezimiso eziphelele zomniki kufana negama eliphelele labo, izinkonzo zombhanki, kanye nekhodi ye-SWIFT. Abasesha bezakwazi ukubhala amadokhumenti angaphezu ngokulinganayo kwebhanga yesilinganiso kanye nomqondo wesilinganiso.
Izikhathi ezimini ezimbalwa zithatha kangakanani ukuthuthela phakathi kwezizwe?
Ukuthuthelwa kwedijithali kwiindlela zakhiwo ka-Sberbank kuzothatha imini engu-1-2 yokusebenza. Ukuthuthelwa kwe-SWIFT kungathatha imini engu-3-5 yokusebenza, ngokulinganayo kwezwe lelidlalo kanye nezibhange ezifundisa ezifakiwe. Izinketho zokulima ngokushesha zitholakala kwezinye izindawo ngekususelana okugcina.
Kukhona imigomo yosuku ngalunye ngokuthuthela kwezimali phakathi kwezizwe?
Yebo, izimali ezifakelwa ngosuku ziyehluka ngokwesimo sezindleko kanye nesiqephu sengculazi. Isayensi sebhange idijithalithi ihlanganisa izimali eziphazinywayo ukuze kugcinwe ubuhle, ngelishwa izindleko ze-SWIFT zingahlawula izimali ezinkulu. Abasesheli basekorporethi bafuna izimali ezinamandla futhi bangacela ukunyusa okwesikhashana kuzo zonke izindleko.