Zeziphi iintlawulo ngu odolo intlawulo?

Yonke imihla ngokusebenzisa iibhanki yabamba isixa esikhulu semali. Abathengi zamaziko zemali ukuba ukuboleka imali, ibalwe-mboleko, okuhlawulela iimpahla neenkonzo njalo njalo njalo. Kodwa njani ngendlela efanayo umyalelo ukuthumela imali esuka ebhankini athole kuyo? Kubonakala ukuba yonke into eyenzeka ngaphandle ixesha elide; kuba le njongo kukho zokuhlala imiyalelo intlawulo.

Olu xwebhu, enyanisweni, ngokomyalelo umnini -akhawunti yangoku we lokuqhutywa utyando, yaye uye, Kakade ke, iimpawu alo. Ibhanki, amkele umyalelo onjalo, linyanzelekile ukuba ukutshintshela xabiso likhankanyiweyo kwi akhawunti ethile ngendlela. Isebenzisa kuphela ezo mali ezibhaliswe kwi-akhawunti. Ixesha komsebenzi intengiselwano ngaphambili wawuxhomekeke imiba emininzi kwaye kusenokuba iintsuku okanye iiveki. Ke kaloku, kunye nokuqaliswa kwenkqubo yekhompyutha inkqubo yolawulo uxwebhu ngayo kuyehla kube iiyure ezimbalwa, maxa wambi imizuzu.

Ubalo ziqhutywa ukuba eminye imisebenzi?

Ukuba iqela zonke iintengiselwano ngokohlobo, kunokuthi kubonwe ukuba izibalo ezenziwe yi-odolo intlawulo:

• ukuba ukuthengwa kwempahla, iinkonzo ezinikezelweyo okanye enze umsebenzi;
• kwiintlawulo ukuba uhlahlo lwabiwo-onke amanqanaba kunye nemali-inshorensi;
• xa kuhlawulwe lenqununu mboleko kunye nenzala;
• ekwenzeni imali kwi-akhawunti imali.

kukho iindlela kwi Kwinqaku lokuqala. Inyaniso yokuba abathengi babe nethuba lokuba uyavumelana kwiziko zemali kwiimo ezikhethekileyo lwentlawulo:

• uyakwazi ukwenza intlawulo phantsi;
• Unga ukuhlawulela izinto emva zimpahla;
• kunokwenzeka xa iintengiselwano ezinkulu ukwenza iintlawulo iqhezu.

Ngalo lonke ixesha le nkqubo thethwana ngokwahlukeneyo, kwaye isiseko kwisivumelwano esisayinwe ngumxhasi kunye neqabane zabo. Ibhanki kulo mzekelo uba umncedisi zemali.

Kukho nkqu uhlobo intsebenziswano nencwadi ngetyala, imiyalelo intlawulo xa izibalo kwenziwa amalungiselelo amaxwebhu athile (invoice, eyilwayo invoyisi, njalo njalo), eqinisekisa ubunyani nemiqathango yesivumelwano. Apha kule ebhankini owenza indima ephambili. Noko ke, kulo mkhuba Russian akukho wanamathela ngenxa yezizathu: ingqeqesho yemali ephantsi kakhulu.

Imigaqo-siseko ukuze yentlawulo

Imali Order - le yenye yezo amaxwebhu apho kukho ifomu (Form 0401060) kunye neemfuno ngokungqongqo ukuchaneka lokugqitywa yayo. Isampulu eziphawuleka kwaye uphunyeziwe yi-Central Bank of the Russian Federation. Ukulungisa okanye ngokungachanekanga wakhulula utyikityo lwe umntu onoxanduva izaliswe imiyalelo imbuyekezo ukugqitywa. Ekusondeleni kwexesha elidlulileyo ngenxa kule ngaphezu ukuzigqiba kanye ukungevani.

Xa izibalo Okwangoku odolo intlawulo kwiinkonzo ze-elektroniki, ebizwa ngokuba "yibhanki-client". Kuyaphawuleka ukuba bank ngamnye kwaye isebenzisa iinkqubo zayo ezikhuselweyo. Babethetha kuphela ngokutshintshiselana imali client kwaye yanika ingcaciso Central Bank. Forms kwemiyalelo intlawulo nalo ligcinwa kwinkumbulo yekhompyutha. Kuhleli ukuba bazalise ifom virtual, ukuqinisekisa utyikityo yayo elektroniki kwaye uyithumele ebhankini, ezifunyenweyo njengempendulo isiqinisekiso.

odolo Ezinye izibalo intlawulo zimi ngolu hlobo lulandelayo:

• ngokwesiseko kwemiyalelo yebhanki lomthengi itsala imali kwi-akhawunti;
• kwakhona ithumela umyalelo wentlawulo yebhanki njengaBamkeli ngexesha kunye indlela;
• yebhanka umxhamli ngokusekelwe-odolo abafumene iikhredithi imali nomthengisi.

Xa ndiqukumbela, siphawula ukuba yonke lula nesantya le ndlela yokubala asikafumani ndlela ukuthintela umsebenzi kwephepha. kunjalo Accounting ufuna ukugcinwa kweenkcukacha malunga imicimbi ephepheni. Kaloku, owandithumayo imiyalelo zihlala zisendaweni. Kodwa ke loo nto ukuba ingxelo evela ebhankini kusafuneka ukuqhubeka kwiziko zemali.