Iidipozithi ku RMB; kuya kuthatha ntoni?

Kwicandelo zemali kukho amathuba amaninzi ukuba utyalo-mali zazo. yebhanki nganye inikeza inkqubo yayo. Hayi kudala kwabakho ithuba elitsha - iidipozithi in renminbi. I-Chinese imali iye ngaphambili "ivaliwe", njengoko kwakunjalo phantsi kokhuselo Beijing. Kodwa ngoku wonke umntu ifake RMB.

Iibhanki ngeenkqubo ezahlukeneyo ukuze babe ke ngokwendlela yabo. Nangona akhawunti e RMB eRashiya ayikho ethandwa kakhulu, kodwa imibutho emininzi banikele labo. Ngokutsho kweengcali, ezi mali kuba kukulungele kanye ukuba uyayazi ezinye ubuqili.

iminikelo iimpawu

Nokuba iminikelo RMB yingenelo? Iingcali zikholelwa ukuba utyalo ezinjalo zithathwa ukuba ngeyona nokwahlukana. Kukho izinto ezininzi ngenxa apho ukuvula ngokulula i akhawunti lwemali China esithi :

• i yuan akunakwenzeka ukunciphisa, oku kuqinisekiswa locaphulo;
• kukho kungenzeka ukuba yuan iza kuqhubeka ikhula;
• currency yaseTshayina kuthathwa ukuba abe yindlela ebalaseleyo indidi utyalo-mali.

Iingcali zikholelwa ukuba amathuba ukuwa ngohlobo lwemali asezantsi. Isizathu soku yi underestimation le renminbi. China iye inkxaso elide lwemali ukukhula kumazwe angaphandle. Mhlawumbi kwixesha elizayo kuya kukhula, ngokuqinisekileyo kuchaphazela uqoqosho kweli lizwe. E China, imveliso kumazwe amaninzi asakhasayo.

Iingcali zikholelwa ukuba xa siqwalasela kungenzeka zokuthenga i-US kunye neChina, le yokugqibela emva kweminyaka embalwa, ukuze kube ngaphambi America. Iidipozithi RMB ingqalelo ukubheja ekhuselekileyo. Ukugcina imali lwemali inzuzo. Risk enxulumene iidipozithi e Renminbi, kukuba ixesha elithile alunako ukutshintshwa-asethi.

ubungozi

Yuan ke lwemali entsha mali, ngoko kukho ezinye iingozi. Ezi ziquka ukungafakwa kwezinye, amathuba inzuzo. Nangona uqoqosho China i-olukhulayo, kodwa kungekudala renminbi akuyi kukhula. Kukho ingozi, kwaye kwixesha elizayo, Beijing uya umlomo aguqulele imali yayo zeedollar, kodwa oku kwenzeke.

Ukuze ukuba kutshabalale, kufuneka ubone ubuhle kunye neengozi zolu lwemali. Kufuneka kwakhona ukhethe umbutho efanelekileyo kunye nenkqubo apho utyalo-mali iza kuba nenzuzo. Ngenxa yoku, eli lomxhasi isigqibo asinike okanye hayi, ukugcina imali yabo ngesiTshayina Yuan.

ekunika yeebhanki

ERashiya, imali Chinese neebhanki baqala kuphela kusetyenziswa. Ayiyo yonke imibutho iidipozithi uvulekile yuan. ngamaziko ambalwa kuphela bakulungele ukunika inkqubo enjalo. Ezi ziquka:

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

Eethenda nangoku ayikho phezulu esingathanda abathengi. Kususela 0.05 ukuya 2,75%. Kodwa khumbula ukuba kukho amathuba yokwenza ingeniso kwi kutshintshiselwano. Kwaye izinga lotshintshiselwano ukuya engange ungadlulanga owe-27 Februwari 2017 ilingana 8.36.

Nikela Savings Bank

Ngokutsho zezoqoqosho, intsebenziswano phakathi kwe-Russia, China iza kuphuhliswa. Ngoko ke, iidiphozithi RMB kwi Savings Bank iya kuba yimfuneko. Ukwenza kwabo, uyakwazi Ungakhathazeki ngokuguqulwa ngeranti disadvantageous. Ukuvula i-akhawunti kufuneka kwabo abemi abasebenzisa zombini iimali.

Sberbank a Asinakucacisa akhawunti yokonga in RMB. Uyakwazi ukuvula kuphela akhawunti elula esetyenziselwa iintlawulo kunye transfers. Imirhumo zahlulwe "jikelele" yaye "on ukufuna". inkqubo nganye uneempawu zawo.

Imigaqo deposit

Imali e RMB abantu ukuvula ukuya kwiminyaka-5 kodwa unako zihlaziywe. Izinga le ngxelo yi 0.1%. Ukuvula idipozithi efunekayo $ 5.

Le lomxhasi lifake imali ndirhoxise kubo. Kodwa okungenani kufuneka kusoloko phezu oyilwayo. Igalelo "kwimfuno" iqala kwezi meko, akukho kuphela an open-iphela, ukuze ibe nokusetyenziswa rhoqo.

Yintoni efunekayo?

Ukuvula i imali kufuneka unikeze la maxwebhu:

• ipaspoti;
• isicelo;
• profile.

Emva kokuvulwa isivumelwano akhawunti ityikityiwe, ngoko ke imali iya kudluliselwa. Ukuvula i igalelo umthengi kufuneka imali Chinese. Kodwa yonke into ilula - kufuneka nje ukuba azalise i-akhawunti in engange, nto leyo eya kuthi ibe yuan.

Nokuba ukuthenga imali ukuze utyalo-mali?

kuphuhliswa nangona uqoqosho China liye laba, kodwa imali obuthathaka, ngokokude ingqalelo ihlabathi. Ngokutsho kweengcali, le yuan iya kuba imfuno hayi kwixesha elizayo elingekude kuyaphi aze kwixesha elizayo. Ngoko ke nenzuzo enkulu ukuba bafake imali ixesha elide, qiniseka ukuba ahlawule. Kodwa elifutshane iidipozithi zotyalo kubhetele ukuba ukuvula.

Akhawunti ebhankini Chinese

Ukuze uvule i-akhawunti ebhankini yaseTshayina, kufuneka ifowuni ephathwayo, yokundwendwela kunye yuan-15. Kuya kufuneka kwakhona ukukhupha 2 xwebhu. Kulo wokuqala oboznalsya iinkcukacha yokundwendwela kunye nenombolo yefowuni, kwakunye nohlobo lomsebenzi. Uxwebhu yesibini luquka ulwazi nencwadana leyo yokundwendwela. Kufuneka ngokuqinisekileyo utyikityo.

Ke umthengi uhlawula yuan-15 kwaye ufumana ikhadi, wihi leyo iminyaka eli-10. Le imveliso zebhanki ikuvumela ukuba ukusebenza kunye neebhanki Internet eTshayina. Inkqubo kusebenze ayikho imfuneko.

utyalo inzuzo

Yuan ikharensi ingqalelo exotic eRashiya. VTB 24, ibhanki "Zenith", "PSB", unako ukuyivula igalelo, lo uluhlu 2-3% umlinganiselo apho. akhawunti Vula kukulungele ixesha elide, ukuze bafumane inzuzo.

Ngoko, kwi iidiphozithi kwemali Chinese inzuzo xa uvula kwixesha elide. Ngaphambi kokuba wenze i akhawunti kufuneka aqhelane iinkqubo yeebhanki eziliqela, uze ukhethe iimeko ezifanelekileyo. Indlela ngenyameko kulo mzekelo ibonelele kwakhona ukuze ufumane ingeniso elungileyo.