SWIFT - kuyini? SWIFT uhlelo lokuhumusha

Abantu abaningi namuhla bathanda ukuya phesheya emsebenzini. Umqondo onjengokudluliselwa kwemali, isikhathi eside futhi wangena ngokujulile ekuphileni kwansuku zonke kwezakhamuzi zamazwe ahlukene. Ezimweni eziningi, ukukhishwa kwemali kuba nzima. Ukukhetha indlela yokudlulisa, ukukhokhelwa kwamakhomishana - konke lokho kuwela emahlombe abasebenzi basezweni elingaphandle. Yingakho i-philistine inemibuzo eminingi. Enye yamanethiwekhi athandwa kakhulu ekudluliseni imali yanamuhla yisistimu yokuhumusha ye-SWIFT. Kodwa yikuphi lokhu nokuthi ungayisebenzisa kanjani? SWIFT - kuyini?

Ulwazi Lonke

SWIFT uhlelo lokuhumusha - kuyini? Iyini umlando wale nethiwekhi? Okushiwo yi-SWIFT yisifinyezo, lapho kudingeka khona ukuqonda uMphakathi wezezimali we-Interbank World Telecommunications. Uhlelo lwe-SWIFT lokuhumusha uhlelo lwamazwe ngamazwe lokudlulisa ulwazi, ukwenza izinkokhelo. Yasungulwa ekuqaleni kweminyaka engamashumi ayisikhombisa ekhulwini lama-20 eBelgium. Indlunkulu idolobheni laseBrussels. Ngokusho kwedatha esemthethweni, le nethiwekhi ihlanganisa amazwe angamakhulu amabili neshumi nambili kanye nezikhungo ezingaphezu kwezinkulungwane eziyishumi. Ngalesi simiso, kunezigidi ezingaphezu kwezigidi ezingu-20 zokuthengiselana ezahlukene ngosuku. Phakathi kwazo kunezinkokhelo ze-interbank, imibiko yezezimali, ukudluliselwa kwemali nabanye.

Isistimu ye-SWIFT ayidluliselwa imali kuphela

Ithumela ukudluliselwa nokudlulisela noma iyiphi idatha ngenxa yesistimu efana ne-SWIFT isiye ngokushesha kakhulu. Ngakho-ke, izindleko zokuthengiselana kwehle. Ukuletha umlayezo okudingayo ukuchitha imizuzu engamashumi amabili kuphela, futhi ngemali eyengeziwe ongayenza ngemizuzu emihlanu. Ukuqhathanisa: ukuhanjiswa kolwazi nge-telegraph kuthatha amahora angaphezu kwama-amabili.

SWIFT - kuyini? Lena inethiwekhi enkulu kunazo zonke yokudluliswa kolwazi ngamazwe ngamazwe . Kuyinto enokwethenjelwa, ephumelelayo, imiyalezo ephephile futhi ephelele, imali idluliselwa ngokusebenzisa uhlelo. Abahlanganyeli bale nethiwekhi bafaka amafayili e-brokerage, amabhange, ama-stock exchange, i-depositories ephakathi, izikhungo zokuphatha, izinkampani zokugcina izimali, izimali zokubambisana ezitshalweni . Engxenyeni yeRussia Federation kukhona inhlangano ethi "RossSvift", equkethe abasebenzisi abangamakhulu ayisithupha. Izikhungo ezinkulu zezikweletu zilandisa ngamaphesenti angu-30 yalesi samba, futhi zenza ngosizo lwalesi simiso cishe amaphesenti ayisishiyagalombili azo zonke izibalo zabo.

Izinzuzo zokuhumusha kwe-SWIFT

Ukuthengiselana usebenzisa uhlelo oluchazwe ngenhla kuyasiza uma inani lingaphezu kwama-dollar ayikhulu e-United States of America, ngoba i-commission fixed isivele iqalile. Uma ukudluliswa kuhlelwe okungaphansi kwama-dollar ayikhulu, kunconywa ukuthi usebenzise ezinye izinketho zokudluliselwa kwemali okusheshayo: i-MoneyGram noma i-Western Union, isibonelo. Isistimu ye-SWIFT - iyini? Yiziphi izinzuzo ezinawo? Umehluko oluqakatheke kakhulu wale nethiwekhi kusuka kwezinye izindlela kukhona ukukhetha ububanzi obubanzi bezezimali, ukukhomba kokudluliselwa. Konke lokhu kuphelele kwenza ukusebenza kahle ngezimali.

Yiziphi izinkinga zesistimu ye-SWIFT?

Ngokwemvelo, noma yikuphi, ngisho nokuhle kakhulu, uhlelo luyoba nezinhlangothi zalo ezimbi. Kodwa uma sikhuluma nge-SWIFT, yiziphi lezi ziphutha?

Okokuqala, kuyadingeka ukuthi usho ngamakomishini akhule emaqenjini namanye amazwe. Ukuze kudluliselwe izimali emazweni athile, amabhange amancane athola ikhomishana eyengeziwe. I-chain of amabhange aphakathi angakwazi ukuphakamisa izindleko zokudluliselwa kumcimbi wokuthi imali yenqubo ihlukile emalini kazwelonke lapho kuthengwa khona. Okwesibili, kukhona amakhomishana anikezwa ngabamukeli. Njengoba izimali ziya ku-akhawunti yomzuzi ebhange lakhe, kukhona inkokhelo ethile yenqubo yokukhipha izimali. Ngifuna futhi ukwengeza ukuthi i-SWIFT (ukuhunyushwa) ithatha isikhathi eside (kuze kube yizinsuku ezimbalwa) kunezinye izinhlobo eziningi zokukhokha (okuthatha isilinganiso sehhafu yehora nosuku).

Yini edingekayo ekuhumusheni kwe-SWIFT?

Ukufeza ukudluliswa kwemali usebenzisa le nethiwekhi ngaphandle kwamanye amazwe kuyadingeka ukuba ube nekhodi yokuhlonza, ipasipoti kanye nemibhalo elandelayo:

1. Ikhodi yi-SWIFT ebhange lapho ukudluliswa kuzokwenziwa khona.
2. Ikhodi yefomathi yamazwe omhlaba ye- akhawunti yasebhange (i-IBAN), noma inombolo ye-akhawunti ngokuqondene nokuthi ukuthengiselana kwenzeka.
3. Igama lenkampani, inkampani noma igama eligcwele lomamukeli okuzoxhaswa ngayo imali.
4. Igama leziko lesibhange, lapho imali izogeleza khona.
5. I-SWIFT ikhodi negama lebhange lababhalisi, uma ngabe imali lapho ukudluliswa kwenziwa khona kuhluke kulokho okucatshangwa ezweni elitholayo lezwe.

Lolu hlobo lokudlulisela kuze kube yimanje luhlinzeka wonke amabhange amakhulu noma angaphansi.

Ubani odinga uhlelo lokuhumusha lwe-SWIFT?

Naphezu kokuthandwa kwalezo zinhlelo zokudlulisela imali emhlabeni jikelele njenge-Unistream, iMangram, i-Western Union, kwezinye izimo kungcono kakhulu ukusebenzisa iSIFIFT njengenethiwekhi yokushintshanisa. Yonke ukudluliselwa kwemali ngosizo lalesisistimu kuyabiza kakhulu futhi kulula ukukhokha lonke uhla lwezinsizakalo, kungaba ukunakekelwa kwezempilo, ukutadisha, amakamelo okubhuka noma ama-oda, ukukhokhela ukuthenga. Ukuguqulwa kwe-SWIFT kusetshenziselwa ukuthumela imali ezihlotsheni, ukukhokhela imisebenzi ehlukahlukene (ukubamba iqhaza ezinkomfeni, izinkambo).

Ngubani okhokhela ukudluliselwa?

Ubuqili bento enjalo njengoba uhlelo lokuhumusha lwe-SWIFT ukuthi ukudluliselwa kwenziwa ngezindleko zabamukeli. Abathengi abakhulu bokuthengiselana okunjalo ngamakhasimende avamile enza ukuthunyelwa okuvamile. Yingakho izinzuzo eziningana zakhiwe ngendlela yokukhetha imali yokudluliselwa, ukungabi khona kwemingcele emalini (uma ngabe umthetho wezwe lapho ukudluliselwa kutholakala khona awuphuli futhi lapho imali ihamba khona). Njengoba sekushiwo ngenhla, amaphuzu angamahle avela ukuthi uhlelo lwe-SWIFT lwaklanyelwe ukwenza ukuthengiselana ngemali enkulu. Ngakho-ke, amanani aphansi, kanye nokukhokha ngokwezindleko zomamukeli, okuhlukanisa kakhulu le nethiwekhi kusuka kumncintiswaneni, futhi ngisho nangaphezulu kusuka ekudlulisweni okusheshayo okusetshenziselwa ukusebenzisana ngemali encane.

Izindleko zokudluliselwa kwisistimu ye-SWIFT

Uma kuqhathaniswa namanethiwekhi okuncintisana okudluliselwa kwemali emhlabeni jikelele, i-SWIFT inikeza ukuthengwa okungabizi kakhulu. Noma kunjalo, lokhu kubonakala kuphela uma uthumela amanani amaningi, ngoba kukhona inani eliqhubekayo lemali yokukhokha. Isibonelo, ukuthumela ama-dollar ayikhulu e-United States of America nganoma yisiphi esinye isimiso sokudluliselwa kwamazwe ngamazwe kuzobiza phakathi kwama-dollar ayishumi nambili. Ukudluliswa kwesamba esifanayo ngokusebenzisa inethiwekhi ye-SWIFT kuzobiza izikhathi eziningana ngaphezulu - kuze kufinyelele kumayunithi angama-50 avamile. Ngendlela, okuningi kuxhomeke ebhange, okwenza ukuthengiselana.

Kodwa ngokudluliselwa kwezinkulungwane zamaRandi ase-US ngokusebenzisa ikomidi elikhulu le-ICFTU lizofinyelela amadola amahlanu. Kubonakala sengathi inqubo ezuzisayo yokudluliselwa kwe-SWIFT, okuyizinkokhelo zesilinganiso esifanayo sokuthunyelwa inani lamashumi ayishumi kuya kweshumi nanhlanu kuphela. Umehluko ophawulekayo wukuthi amanani angaphezu kwezinkulungwane eziyishumi. Lapha, ikhomishana ye-MSDP enkulu izobe isivele ibangeni elingamakhulu ayikhulu namakhulu amathathu namashumi amahlanu e-United States of America. Kodwa uma iklayenti ingathanda ukudlulisela imali esihlotsheni esingaphandle, ukhokhe ukuthenga noma ukutadisha, ukhokhe uhambo lokuvakasha usebenzisa inethiwekhi efana nesistimu yokuhumusha ye-SWIFT yamazwe ngamazwe, khona-ke kuyodingeka akhokhe ukuthengiselana kwezinkulungwane eziyishumi ngamakhulu angama-dollar ayikhulu.