Imali e RMB: lokho Kuzothatha?

Emkhakheni wezezimali kunamathuba amaningi ukutshala izimali zabo. ebhange ngamunye unikeza Uhlelo ayo. Akunjalo kudala kwakukhona ithuba elisha - esisemanzini Renminbi. AmaShayina lwemali esake "ivaliwe", njengoba kwakunjalo ngaphansi kwesivikelo Beijing. Kodwa manje wonke umuntu angakwazi ifake le mali RMB.

Amabhange ukunikela izinhlelo ahlukahlukene anomsebenzi imigomo yabo. Nakuba ama-akhawunti e RMB eRussia akuyona ethandwa kakhulu, kodwa izinhlangano eziningi zinikeza design yabo. Ngokusho kochwepheshe, lezi zimali ezifakiwe kungayiletha inzuzo uma wazi ezinye ubuqili.

Izici iminikelo

Kungakhathaliseki iminikelo RMB ezuzisayo? Ochwepheshe bakholelwa ukuthi ukutshalwa kwezimali ezifana abhekwa inkambo engcono yokwenza diversification. Kunezici eziningana ngenxa lapho ungakwazi kalula sivule i-akhawunti lwemali China :

• the yuan akunakwenzeka ukuba wehlise, lokhu kuqinisekiswa kwikhotheshini;
• kukhona kungenzeka ukuthi yuan bayoqhubeka bekhula;
• lwemali Chinese ubhekwa ngendlela enhle kakhulu ehlukahlukene uma utshala imali.

Izazi zikholelwa ukuthi ukusebenzisa amathuba falling in lwemali ephansi. Isizathu salokhu kuyinto underestimation we Renminbi. Sekuyisikhathi eside China asekelwe lwemali ekukhuleni ukuthekelisa. Mhlawumbe esikhathini esizayo ke luyokhula, ngokuqinisekile kuthinte umnotho wezwe. EChina, ukukhiqizwa kwanoma emazweni amaningi asathuthuka.

Ochwepheshe bakholelwa ukuthi uma sicabanga ukuthi kungenzeka ukuthenga US neChina, lona wamuva ngemva kweminyaka embalwa ingase ibe ngaphambi Melika. Imali RMB kubhekwe ukubheja ephephile. Ukuze ugcine imali lwemali inzuzo. Ubungozi eziphathelene esisemanzini Renminbi, wukuthi isikhathi esithile lwefa ayikwazi ukushintshwa.

izingozi

Yuan iyona lwemali entsha ye-ukutshalwa kwezimali, ngakho kukhona ezinye izingozi. Lezi zihlanganisa Ukushiywa nezinye, amathuba inzuzo utshalomali. Nakuba umnotho China likhula, kodwa akubanga isikhathi esingakanani Renminbi ngeke sikhule. Kunengozi, nokuthi esikhathini esizayo, Beijing ngeke zivimbele ukuhumusha imali yayo ku zamadola, kodwa lokhu akunakwenzeka.

Ukuze hhayi ukulahlekelwa, kufanele ubone ubuhle nemibi lwemali. Kumelwe futhi ukhethe inhlangano ofanele futhi uhlelo lapho utshalomali kuyoba inzuzo. Ngesisekelo le, iklayenti angakhetha ukuthi uyasifaka yini noma cha ukugcina imali yabo Chinese Yuan.

izipesheli amabhange

ERussia, lwemali Chinese amabhange kuphela zaqala ukusetshenziswa. Akubona bonke izinhlangano ezifakwa evulekile yuan. a izikhungo ezimbalwa kuphela bazimisele ukunikeza uhlelo ezinjalo. Lezi zihlanganisa:

• JSC "RAB Bank";
• OJSC "Bank Zenit";
• OJSC "Interregional Commercial Bank of Communications and Informatics Development";
• JSCB "Gazbank".

Amathenda namanje njengakweminye singathanda amakhasimende. Ziyakwazi kusuka 0.05 kuya 2.75%. Kodwa khumbula ukuthi kukhona amathuba ukwenza ibhayisikobho engenisa inzuzo exchange. Futhi izinga lokushintshisana kuya ruble ngu 27 Februwari 2017 ilingana 8.36.

Ukunikeza Savings Bank

Ngokusho osomnotho, ukubambisana phakathi Russia nase-China ezothuthukiswa. Ngakho-ke, imali RMB ku Savings Bank kuyoba ngempela. Ukwenza kwabo, ungakwazi ungakhathazeki mayelana nokuguqulwa disadvantageous exchange rate. Ukuvula i-akhawunti udinga kulabo izakhamuzi abasebenzisa kokubili zezimali.

Sberbank akusho bahlelekela akhawunti ukonga RMB. Ungasebenzisa kuphela i-akhawunti ye elula ukusetshenziselwa izinkokhelo nokudluliswa. Iminikelo zihlukaniswe "jikelele" futhi "ngokufunwa". Uhlelo ngalunye has izici zayo siqu.

Imigomo idiphozi

Imali e RMB abantu ngabanye ukuvula kuze iminyaka 5 kodwa kungenziwa kuvuselelwe. Izinga-akhawunti 0.1%. Ukuvula idiphozithi edingekile $ 5.

Iklayenti bangafaka izimali bese uphuma nabo. Kodwa okungenani kufanele njalo kube phezu bill. Umnikelo "ngokufunwa" kuvula nale mibandela, kuba kuphela levulekile, ngakho ingasetshenziswa ngokuqhubekayo.

Yini edingekayo?

Ukuvula idiphozi kumele uhlinzeke imibhalo:

• iphasiphothi;
• isicelo;
• Iphrofayili.

Nakuvulwa isivumelwano akhawunti sisayinwe, imali bese kuzodluliselwa. Ukuvula umnikelo ikhasimende kufanele kube lwemali Chinese. Kodwa yonke into ilula - nje kudingeka agcwalisa akhawunti in ruble, okuzokwenza ibe yuan.

Kungakhathaliseki ukuthenga lwemali ukutshalwa kwezimali?

Nakuba umnotho China isibe athuthukile, kodwa lwemali ibuthakathaka, ukuze kubhekwe emhlabeni. Ngokusho kochwepheshe, the yuan kuyoba ziphoqa hhayi esikhathini esizayo esiseduze nasesikhathini esizayo. Ngakho-ke oholela kangcono ukubeka imali isikhathi eside, qiniseka kugcina kunomphumela. Kodwa short-term ezifakwa utshalomali kungcono hhayi ukuvula.

I-Akhawunti e ebhange Chinese

Ukuvula i-akhawunti ebhange Chinese, kwakudingeka umakhalekhukhwini, ipasipoti 15 yuan. Luphinde Kudingeka ukhiphe 2 idokhumenti. Esikhathini sokuqala oboznalsya imininingwane ipasipoti kanye nenombolo yocingo, kanye nohlobo lomsebenzi. Lowo Mbhalo wangonyaka we sesibili sihlanganisa ulwazi iphasiphothi. Kufanele nakanjani ubeke isiginesha.

Khona-ke ikhasimende okhokhela 15 yuan futhi uthola ikhadi, ukuba semthethweni okuyinto iminyaka engu-10. Lo mkhiqizo yasebhange ikuvumela ukusebenza amabhange Inthanethi China. Inqubo kusebenze akudingekile.

ukutshalwa kwezimali inzuzo

Yuan lwemali kubhekwa exotic eRussia. VTB 24, ibhange "Zenith", "PSB", ungakwazi ukuvula umnikelo, izinga lapho ungaphakathi uhla 2-3%. Vula i-akhawunti kungcono eside, ukuba nethemba lokuthola izinzuzo.

Ngakho, ngo-Chinese lwemali ezifakwa inzuzo uma bevula esikhathini eside. Ngaphambi kokwenza i-akhawunti udinga bajwayelane izinhlelo amabhange eziningana, bese ukhetha izimo ezifanele. Indlelanchubo ngokucophelela kulokhu Uhlinzekela ukuthola imali enhle.