Yintoni na esweni zemali? Rosfinmonitoring

imisebenzi Financial yabemi ngamnye nakwiinkampani kwezoqoqosho kakhulu ilawulwa kwaye ezilawulwa ngokungqongqo. Kuba kweliso oluqhelekileyo lomntu Kudla ngokungabikho obonakala khulu ngenxa awohluke zomthetho, kodwa le nkampani kubo bonke namacici yayo. Ngoko ke yintoni na esweni zemali?

ulwazi jikelele

Yonke inkqubo wangoku ebotshelelwe neebhanki. Bona ngokuxhomekeke kwimithetho yase kanye nemimiselo. Ukongeza, iibhanki ebandakanyekileyo ulawulo lwemisebenzi ekuhamba iiklayenti zazo. Ingqalelo kakhulu kule meko inikwa nengeniso Ukudluliswa kwemali, iintengiselwano, umthetho kunye kwintengiselwano angaphandle.

Ngokukodwa wadala Service Monitoring Financial iliso. On umsebenzi wakhe ukuqinisekisa ukuba zonke iintengiselwano zisemthethweni. Kwimeko apho kuthe izinto ezingaqondakaliyo okanye ukunyhashwa inkonzo esweni zemali unyanzelekile ukuba enze ngokungqinelana nemiyalelo ze azise abasemagunyeni efanelekileyo. Kwaye imfuno amanyathelo kakhulu ziya kuhluthwa ngabo. Kuyaqondakala ukuba ibhanki ngokwayo xa uzingela izinto ezingaqondakaliyo ukuba mhlawumbi ukuvala akhawunti. Ukuze into iimpendulo ngaphezulu esele Rosfinmonitoring.

imisebenzi

Yintoni ebandakanyekileyo kwisebe esweni zemali? Uthi ize iqokelele ingcaciso ukuba bahlole iinkqubo zemali ukuba kwenzeka kamva. Le feds bakwazi ukuthatha izigqibo malunga nokwamkelwa amanyathelo ethile ejoliswe ekulweni imali ngokungekho semthethweni. Ngaphezu koko, baye benza oku kwinqanaba lesizwe.

abasebenzi Bank ayabandakanyeka kule meko ngqo ziko zemali apho kusebenza. Eyona njongo ephambili yale onke la manyathelo into ekulweni imali imali ezithe zathengwa ngamaqela mthetho kunye abanqolobi. Ekubeni le mali kusenokwenzeka ukuya ukugcina umsebenzi wabo, ukuba usukelo ifanelwe kuthathwe amanyathelo.

Ngubani na inxaxheba kule nkqubo?

esweni Financial zeebhanki kubonisa inxaxheba inani elikhulu labaqeshwa. Ngaphandle iingcali abafuna imali - luxanduva lwabo ngqo kule nkqubo equka ngakumbi bemali kunye thamsanqa, kunye nabaphathi. Ayimangalisi loo nto, kuba le ngxaki kufuneka ithathwe ingqalelo kakhulu. Ngapha koko, ukuba unazo naziphi na iingxaki hlobo, oko kuwabhuqa igama ishishini kwiziko zemali.

esweni Financial lwenziwa liSebe okhethekileyo, nto leyo ingxelo ngqo kwizikhundla zolawulo abaphezulu ukuba coverage ubuninzi kunye nokunyaniseka. Xa ezabelwe izikolo zorhwebo izenzo ezifana kwibhodi yabalawuli. Urhulumente ke abaqeshwa onesikhundla esiphezulu. Kwaye ke inkalo ukuphunyezwa esebenzayo oku ukuba intloko yesebe esweni zemali Unga khangela i data kunye nonxibelelwano zolawulo eziphezulu. Ngexesha Oluvavanyo anikwe ufikelelo nawaphi na amaxwebhu yebhanki. Ukuba kukho imeko ongaqondakaliyo, imimiselo emiselweyo unyango nawuphi na umqeshwa lowo kuya kufaneleka.

Ukubaluleka esweni yemali kumaziko orhwebo

Kutheni kufuneka enze iitshekhi ezinjalo? Impendulo siyifumana yokuba enze imisebenzi ebalulekileyo, ezifana:

1. Ukuqinisekisa ukhuseleko kwiziko.
2. Ukulawula ngaphakathi imisebenzi nabangaphandle kuqulunqo iingxelo zemihla ngemihla.
3. Ukuphunyezwa imisebenzi yobhaliso.
4. abaxhasi ahlole inxaxheba kwimibutho abagrogrisi okanye lolwaphulo-mthetho.
5. Uthintelo lolwaphulo-mthetho okungenzeka.
6. Ukuzoba i Blekhlista labantu ekurhaneleka umsebenzi ethandabuzekayo.
7. Ukubeka iliso yokuphunyezwa kwemithetho.

Oku ukwenza kunye Federal Financial Service Monitoring, kodwa sele isebenza njenge ukuhlolwa umlawuli ukuthintela ukuxhatshazwa.

Yintoni ingena kummandla iinkonzo uxanduva?

Makhe sithethe ngendlela yokwenza nokongamelo mali iye ihlawulwe ingqalelo umsebenzi othile. Ekuqaleni, kufanele kuqatshelwe ukuba nawuphi na umsebenzi lwenziwa abangaphezu kwama-600 amawaka engange (okanye isifundo esilingana kwenye lwemali), ngokomthetho Russian, kufuneka zihlolwe. Ukongeza, lo msebenzi iwela entsimini umbono abalawuli:

1. Iinguqulelo amaqumrhu asemthethweni abemi ngamnye (ngaphandle kokuba, kakade, ayikho umvuzo, intlawulo yomvuzo ngokungqinelana izivumelwano waqukumbela, njalo njalo).
2. Igcina lwemali. ingqalelo ekhethekileyo ihlawulwa kokufumana imali evela kwamanye amazwe. Kwaye ngakumbi wahlangabezana wafunda uqhaqho kwezo meko, ukuba imali evela kummandla kude nonxweme.
3. Imali kunye ekurhoxisweni kwemali ngemini enye.
4. Ukususa izixa ezinkulu, ezithi ziqhutywe ukuphindaphinda uhlobo olufanayo lwesivumelwano.
5. iidipozithi ezininzi zivulwa ixesha elifutshane (ngaphantsi kwe ngenyanga), ilandelwe yi yokuvalwa kunye nokususwa imali ezinkozo.
6. Xa umntu uthenga izibambiso ngemali.
7. Khathaleli lwabathengi amagama kakuhle.
8. Ukuphunyezwa imisebenzi leyo musa kuthwala ingqiqo kwezoqoqosho. Kulo mzekelo, siya kuqwalasela intlawulo yomvuzo kakhulu (amakhulu amawaka kunye nezigidi engange) kwiinkampani ezisebenza a zero.
9. Nakwenzeka ekulinganisweni amaqela abandakanyeka yingisela.
10. Ukudluliselwa kwemali nezinye iiBhanki afundisa iimeko ezimbi ngokohlobo inzala engephi iidipozithi, imali ikhomishini phezulu njalo njalo.

Njengoko ubona, kuba yinto uphando kunye nenzala evela nkonzo unoxanduva kakhulu lula. Oku kungenxa yokuba i-umsebenzi obaluleke kakhulu lweziqalelo mthetho.

Kuthekani ukuba umsebenzi wenziwe wagqitywa ngempumelelo?

Kwiimeko ezinjalo, ngokuqhelekileyo kufuneka nje ukunika amaxwebhu ukuqinisekisa ukuba semthethweni mali ukuba kule akhawunti. Ezi isenokuba iingxelo ze-akhawunti umvuzo, amaxwebhu engqina ingeniso efunyenweyo ngenxa yemisebenzi yorhwebo, izivumelwano intengiso, ilifa okanye umnikelo. Uyakwazi ukusebenzisa ikopi yeengxelo zemali, imbuyekezo yerhafu, iingxelo zophicotho. Kwiimeko ezininzi, oku ngaphezu ngokwaneleyo ukuba ukuvula i-akhawunti, okanye umsebenzi oluqhubekayo. Liyinyaniso elokuba, kungakhona kokuthandabuza ezithile ekusabeleni ubungqina semthethweni.