SWIFT - ndi chiyani? Kutsatsa kwa SWIFT dongosolo

Anthu ambiri masiku ano amakonda kupita kunja kukagwira ntchito. Lingaliro lofanana ndi kusintha kwa ndalama, kwa nthawi yaitali ndikulowa mwakhama moyo wa tsiku ndi tsiku wa nzika za mayiko osiyanasiyana. Nthaŵi zambiri, vuto la kusintha kwa ndalama limakhala lovuta. Kusankha njira yobweretsera, kubweza kwa makomiti - zonsezi zimagwera pamapewa a antchito akunja. Ndicho chifukwa chake Philhiline ali ndi mafunso ambiri. Mmodzi mwa malo otchuka kwambiri owonetsera ndalama lero ndi SWIFT yomasulira dongosolo. Koma kodi ichi ndi momwe mungachigwiritsire ntchito? SWIFT - ndi chiyani?

Zambiri

Mchitidwe wosinthira wa SWIFT - ndi chiyani? Kodi mbiriyakale iyi ndi chiyani? Tanthauzo la SWIFT ndifupikitsa, momwe kuli kofunikira kumvetsetsa Community of Financial Interbank World Telecommunications. Tsamba lakutanthauzira la SWIFT ndi njira yapadziko lonse yopititsira uthenga, kupanga malipiro. Icho chinakhazikitsidwa kumayambiriro kwa zaka makumi asanu ndi awiri mphambu makumi asanu ndi awiri za m'ma 200 m'ma Belgium. Likululi liri mumzinda wa Brussels. Malinga ndi chidziwitso cha boma, mndandanda umenewu umaphatikizapo mayiko mazana awiri ndi khumi ndi awiri komanso zoposa zikwi khumi. Kupyolera mu dongosolo lino, pali zochitika zoposa 20 miliyoni pa tsiku. Zina mwa izo pali malipiro a interbank, mauthenga azachuma, kusamutsidwa kwa ndalama ndi ena.

SWIFT ndondomeko si ndalama zokha zosamutsidwa

Kutumiza ndikusuntha deta iliyonse chifukwa cha dongosolo monga SWIFT yakula mofulumira. Motero, mtengo wogulitsa unachepa. Kupereka uthenga womwe mukufunikira kuti mutenge mphindi makumi awiri zokha, ndipo phindu lina mukhoza kuchita maminiti asanu. Kuyerekezera: kufalitsa uthenga kwa telegraph kumatenga maola oposa awiri.

SWIFT - ndi chiyani? Uwu ndiwo gulu lalikulu kwambiri la kutumizira kwadzidzidzi padziko lonse . Ndizowona zodalirika, zogwira mtima, zotetezeka ndi zogwiritsa ntchito mauthenga, ndalama zowonongeka kudzera mu dongosolo. Otsatira a mndandanda umenewu akuphatikizapo makampani ogulira mabanki, mabanki, kusinthanitsa kwa masitolo, mapepala apakati, malo ogwirira ntchito, makampani otetezera, ndalama zothandizira ndalama. M'gawo la Russian Federation pali gulu "RossSvift", lomwe limaphatikizapo anthu pafupifupi mazana asanu ndi awiri ogwiritsa ntchito. Makampani akuluakulu a ngongole amawerengera ndalama zokwana makumi atatu peresenti ya ndalamazo, ndipo amachita mothandizidwa ndi dongosolo lino pafupifupi makumi asanu ndi atatu pa zana pazowerengera zawo zonse.

Ubwino wa kumasulira kwa SWIFT

Kugwiritsira ntchito pogwiritsira ntchito ndondomeko yomwe tatchula pamwambayi ndi kopindulitsa ngati ndalamazo ndizoposa madola zana ku United States of America, popeza ntchito yakhazikitsidwa yayamba kale. Ngati kusamalidwa kukonzedwa kosakwana madola zana, tikulimbikitsidwa kuti tigwiritse ntchito njira zina kuti mutenge ndalama: MoneyGram kapena Western Union, mwachitsanzo. NJIRA ya SWIFT - ndi chiyani? Ndi ubwino wotani umene uli nawo? Kusiyana kwakukulu kwakukulu kwa makanemawa kuchokera ku njira zina ndi kusankha kwa ndalama zazikulu kwambiri, kuwunikira kwa kusintha. Zonsezi palimodzi zimagwira ntchito ndi ndalama zambiri bwino.

Kodi mavuto a SWIFT ndi otani?

Mwachidziwikire, chilichonse, ngakhale chabwino, dongosolo lidzakhala ndi mbali zake zoipa. Koma ngati tikulankhula za SWIFT, kodi zolephera izi ndi ziti?

Choyamba, ndikofunika kunena za makomiti owonjezeka m'mabanki ndi m'mayiko. Pogwiritsa ntchito ndalama zina ku mayiko ena, mabanki ena amapanga komiti yowonjezera. Bungwe la mabanki apakati angakhoze kukweza kale mtengo wa kusamutsa pamene chochitikacho kuti ndalamazo zimakhala zosiyana ndi ndalama za dziko zomwe ntchitoyo imalandira. Chachiwiri, pali ma komiti omwe amaperekedwa kwa omwe alandira. Popeza ndalama zimapita ku banki ya obwereketsayo ku banki yake, pali malipiro ena omwe angapereke ndalama zogulira ndalamazo. Ndikufunanso kuwonjezera kuti SWIFT (kumasulira) imatenga nthawi yaitali (mpaka masiku angapo) kusiyana ndi mitundu yambiri ya malipiro (yomwe imatenga pafupifupi theka la ola limodzi tsiku limodzi).

Chofunika n'chiyani kuti SWIFT amasulire?

Kuchita kusinthana kwa ndalama pogwiritsa ntchito makanema kunjako nkofunikira kukhala ndi chidziwitso chodziwika, pasipoti ndi zolemba zotsatirazi:

1. Lamulo ndi SWIFT ya banki kumene kutumizidwa kudzapangidwe.
2. Makhalidwe a mayiko a mayiko a banki (IBAN), kapena nambala ya akaunti yomwe ikugwiritsidwa ntchito.
3. Dzina la kampani, kampani kapena dzina lenileni la wolandira amene ndalama zake zidzasamutsidwa.
4. Dzina la malo osungirako mabanki, momwe ndalama zidzasinthira.
5. Nkhumbo ya SWIFT ndi dzina la banki la makalata, ngati ndalama zomwe zimasinthidwa zimasiyanasiyana ndi zomwe zikuwonedwa m'dziko lolandira la dziko.

Mtundu woterewu wopita kuntchito umapereka mabanki ambiri.

Ndani akufunikira dongosolo la kumasulira la SWIFT?

Ngakhale kutchuka kwa kayendetsedwe ka ndalama kotereku kosawerengeka, Manigram, Western Union, nthawi zina zimakhala bwino kwambiri kugwiritsa ntchito SWIFT monga kusinthana. Kusamutsidwa kwa ndalama zonse mothandizidwa ndi dongosolo lino ndi kotsika mtengo komanso kosavuta kulipira ntchito zosiyanasiyana, kaya ndi chithandizo chamankhwala, kuphunzira, zipinda zogwirizira kapena maulamuliro, kulipira kugula. Kutembenuza kwa SWIFT kumagwiritsidwa ntchito mobwerezabwereza kutengera ndalama kwa achibale, kulipira ntchito zosiyanasiyana (kutenga mbali kumisonkhano, maulendo).

Ndiyani amene amalipira kubwereza?

Chidziwikiritso cha chodabwitsa chotero monga kusinthidwa kwa SWIFT ndikutanthawuza kuti kutengerako kumagwiritsidwa ntchito phindu la omwe alandira. Ambiri ogulitsa zoterezi ndi makasitomala omwe amapanga nthawi zonse. Ichi ndi chifukwa chake ubwino wambiri wakhazikitsidwa mwa chisankho cha kusamalidwa, kusowa malire kulikonse (ngati lamulo la dziko limene amalandira liloledwa siliphwanyidwa, komanso ndalama zikapita). Monga tafotokozera kale, mfundo zazikuluzikulu zimachokera kukuti SWIFT ili ndi cholinga chochita malonda ndi ndalama zambiri. Choncho, malipiro ochepa, ndi malipiro omwe amawalandira, omwe amasiyanitsa kwambiri makanemawa ndi ochita nawo mpikisano, komanso makamaka kuchokera ku maulendo omwe amasankhidwa kuti azigwira ntchito ndi ndalama zochepa.

Mtengo wa kusamutsidwa mu SWIFT

Poyerekeza ndi mpikisano wothamanga wa mayiko apadziko lonse, SWIFT amapereka ndalama zambiri. Komabe, izi zikuwonekera makamaka pamene akutumiza ndalama zambiri, chifukwa pali malipiro opititsa patsogolo. Mwachitsanzo, kutumiza madola zana a United States of America kupyolera mwa njira ina iliyonse yopititsira kudziko lonse kudzawononga pakati pa madola khumi ndi awiri. Kutengerako ndalama zofanana kudzera mu intaneti ya SWIFT kudzapitirira kangapo - kupitirira makumi asanu ndi awiri ofanana. Mwa njira, zambiri zimadalira banki, zomwe zimagulitsa.

Koma ndi kusamutsidwa kwa madola zikwi zambiri za US kupyolera mu bungwe lalikulu la ICFTU kudzafika madola makumi asanu. Zimayang'ana njira yopindulitsa yotumizira SWIFT, yomwe imapereka ndalama zofanana ndizo ndalama zokwana khumi ndi zisanu ndi zisanu zokha. Kusiyana kwakukulu kwambiri ndi pamene ndalama zili zoposa zikwi khumi. Pano, ntchitoyi mu MSDP yayikulu idzakhala kale mu madola zana kapena mazana atatu ndi makumi asanu ku United States of America. Koma ngati wofunafuna akufuna kutumiza ndalama kwa wachibale kunja, kulipira kugula kapena kuphunzira, kulipira ulendo waulendo pogwiritsa ntchito maukonde monga machitidwe onse otembenuzidwa a SWIFT, ndiye adzayenera kulipira mtengo wa zikwi khumi chifukwa choposa madola zana.