Imali yeRMB - imali yabantu baseTshayina

Ngokungafani namazwe amaninzi kwiRiphabhlikhi Yabantu baseChina, igama leyunithi yemali kunye nemali iyahluke. I Yuan ingumlinganiselo wexabiso leRMB, eliguqulelwe ngokuthi "imali yabantu". Ngenxa yoko, kukho ulwahlulo ekunciphiseni: kwi-classifier yamazwe ngamazwe, imali yaseTshayina iququzelelwe kwi-CNY, kunye neTshayina ngokwabo zisebenzisa ukunciphisa i-RMB kwigama elithi "renminbi".

Imali emininzi

Ukudideka okungaphantsi kubangelwa yimpawu ezisetyenziselwa iYunan yaseTshayina. Imali yeRMB ibonakaliswe njenge-Ұ, kodwa isimboli seJapan sisetyenziswa rhoqo. Kwakhona, i-RMB ine-hieroglyph yayo. Kwiindawo zoBukumkani boMbindi, zonke ezi zizenziweyo zisetyenzisiweyo: izifinyezo ze-CNY kunye ne-RMB, kunye nokuhlanganiswa kwe-CN ¥ kunye ne-CN 元. Yonke into eyahlukileyo ithetha enye into - isixa sibonakaliswe kwi-yuan, akukho nto ingabalwa kwintsimi ye-PRC. Iminye imimandla ezizimeleyo: iTaiwan, Hong Kong kunye neMacao, ensimini yabo iindleko zabo ziyaqhubeka.

Xa befika eChina, sele befunde zonke iindidi zamagama nokubhalwa kwemali yendawo, abakhenkethi bavame ukuva elitsha "kuai" nelithi "mao". Le ngongoma yokuthetha engena esikhundleni se yuan kunye neengqekembe zabo ezincinci . I-Kuai iguqulela ngokuthi "isiqwenga", utshintsho lwegama elinjalo lingafaniswa nama-bucks aseMerika.

Iimali zanamhlanje kunye neebhanki

I-yuan yaseTshayina iqulethwe ngamalungu amaninzi. Ngapha nanko imali yeRMB yabelwe: kwi yuan eyodwa 10 jiao, nganye jiao 10 feng. I-Mao kunye nabalandeli batyunjwe ngemali yexabiso eli-1 jian, 5 jian, 1 fen, 2 feng, 5 feng. I-Fengs idibana rhoqo ngonyaka, kaninzi amaxabiso ajikelezwe ku-jiao. Ukongezelela, ukuba ngaphandle kwabo bebenokuthi bahlangane, iinkozo zincinci encinci ye-renminbi zihlala zifutshane. Ngenxa yeendleko zabo eziphantsi, zaveliswa kwizinyithi ezincinci, ngenxa yoko, abalandeli abangama-5 banokubambelela ngeminwe yabo.

Ithandwa kakhulu yimali ye-yuan eyi-1, nangona iphinde iphrintiwe kwiphepha elilinganayo. Amacandelo amakhulu akhutshwe kuphela ngeefomathi zebhanki: 5, 10, 20, 50 kunye ne-100. Abaninzi bacinga ukuba akunakwenzeka ukuba ikhulu leyilwayo ibininzi, ekubeni imali ekhethiweyo yaseShayina (RMB), inqanaba layo lokutshintshisa lizinzile, lithatha indawo eninzi xa kuyimfuneko Intsebenziswano eninzi.

Ukuzinza kobugqwetha

Imali ye-PRC ithathwa njengenye yezona zithembekileyo kwihlabathi, eqinisekiswa yinyaniso yokuba ibonakalisiwe njengendawo yokugcina enye ukususela ngo-2012. Iibhanki ezininzi kunye neenkampani kuzo zonke iindawo zehlabathi ziguqulela impahla yazo kwiShayina imali. Amashishini enza ukuthengiselana ngamazwe ngokubambisana ayaqaphela ukuba inzuzo yokubuyisela i-yuan ngenxa yezinga elingabalulekanga.

Ukuqinisekiswa kozinzo kukuzinza kwelokugqithisa kwinqanaba lokuguqulwa kwamanye amazwe. Kuze kube ngu-2005, kwakukho umkhonkwane: imali yaseTshayina (RMB) idola yayinomlinganiselo wokuhlala u-8.28: 1. Emva kokuba urhulumente enze isigqibo sokubeka izinga lokutshintshiselana nokuthengisa, ngokuchasene neengcamango ezininzi, i-yuan yanda nje. Iimpembelelo ezininzi zexabiso le-RMB ziyimali ze-European Union, iMelika, iJapan ne-South Korea, impembelelo yabanye ingabalulekanga.

RMB rate exchange rate

Ekubeni imali yeRMB ngoku kuxhomekeke kumashishini, izinga lalo lilingana, kodwa litshintsha yonke imihla. Phakathi no-Apreli 2016, izinga lokutshintshiselwa ngokusemthethweni kwe-yuan lulandelayo:

• I-dollar ye-1, i-6.48 yuan, okanye i-CNY = 0.15 USD.
• I- euro 1 bayinika i- 7.30 yuan, okanye i-CNY = 0.14 EUR.
• Ngama-1 pound sterling, unike i-9.20 yuan, okanye i-CNY = 0.11 GBP.
• Kwi-Yen yaseYapan inike i-yuan engama-0.06, okanye i-CNY = 16.79 JPY.
• I-ruble yesiRashiya inike i-yuan 0.10, okanye i-CNY = 10.26 i-RUB.
• I- hryvnia 1 yase-Ukraine inike i-yuyhi engama-0.26, okanye i-CNY = 3.93 UAH.

Apho utshintshe imali: umehluko wekhosi

Kwiibhanki ze-PRC, ukuthengwa kweRMB kunye nexabiso lokuthengiswa lihluke kwi-RMB esemthethweni ngokubaluleka ngo-1-1.5%. Kwiihotele, izinga liya kuhluka ngo-3-4%, kwiiofisi zokutshintshisa ngo-2-3%. Inqanaba elibi kunazo zonke linikezelwa kumaziko eenqwelo-moya, lingaba ngaphantsi kwesantya esisemthethweni ngo-5-6%. Ngokwezibonelelo, kuyafaneleka ukuba uye kwi-bhanki kwaye utshintshe imali kuyo. Ngendlela, kucetyiswa ukuba ungenise iidola okanye i-euro, kuba akukho phantse injalo njengemali yeRMB yokurhola. Siza kufuneka sijikeleze iibhanki ezili-12 ukufumana umntu owamkela i-ruble, kwaye izinga elichaziweyo liya kuba ngaphantsi. Ngoko ke, kungcono ukuthenga imali yaseMelika okanye yaseYurophu kwangaphambili, kwaye uyitshintshela i yuan.

Ubunzima bokutshintshiselana imali kwiibhanki kunye nabathengiselwano kukuba abasebenzi bathetha isiShayina. Ibhanki iwina ngokufumaneka kwefomu yokutshintshiselana kwemali kunye nokuguqulelwa kwisiNgesi. Ungesabi amaxwebhu, yonke into oyifunayo ikopishwa kwipasipoti (ubuzwe, uchungechunge kunye nenombolo, ifani, igama), kunye kunye uya kufuneka ucacise igama lehotele kunye nemali ofuna ukuyitshintsha.

Inkqubo yokugcwalisa ifom, ukulinda kumgca kunye nokutshintshana ngokwawo ngokuqhelekileyo kuthatha imizuzu engama-30 ukuya kwiyure. Ukuba ukwesaba ukuzalisa ifom kunye nenyaniso yokuba awukwazi ukuyichazela nonke, utshintshe imali ehotele. Ewe, ikhosi iya kuba yimbi, kodwa abasebenzi basebenzisa isiNgesi kakuhle, kwaye kufuneka ipaspoti kuphela.

Iingcebiso eziNcedo

Ukuze ungadingi ukutshintsha inani elikhulu kwisikhululo se-moya, kwanele ukuba ube nemali yokuya ehotele okanye kwisixeko apho ungatshintsha khona yonke imali efunekayo kwizinga elifanelekileyo. Ingakanani ukutshintsha ukuthutha? Ukusuka e-Shanghai kwisiza sezindiza unokufikelela kwisitimela esiphezulu, ubiza i-yuan ezingama-50 okanye i-metro, intengo yetikiti incike kumgama, ubuninzi be-yuan ezili-10. Ukusuka e-Beijing kwisikhumulo sezindiza ukuya kwisixeko kukulungele ukufikelela kwi-yuan engu-25, ithikithi ye-metro iya kuphuma ngaphezulu. Iindleko zothutho maxa wambi zikhula, ngoko utshintshe indlela encinane.

Xa utshintshana imali ebhankini, kunye nemali yaseTshayina, uya kunikwa irisidi ekufuneka igcinwe. Ukuba unemali engaphezulu kweRMB, ukutshintshiselana ngokutsha kuya kwenzeka kuphela ukuba kukho ubungqina bokuthengwa kwangaphambili kweRMB.