Chitsanzo cha Banking
Bungwe loyang'anira bizinesi likhoza kukhala ndi zinthu zomwe zimapangitsa ndalama ku akaunti yapamwamba yopereka ndalama (nthawizina amatchedwa banki ndalama za msika wa ndalama, ngakhale kuti sizikufanana kwenikweni ndi ndalama zamsika zamsika zomwe zimaperekedwa ndi makampani ogulitsa ngongole ndi kugulitsa ngongole makampani) pamene malire apita pamwamba pa mlingo wopatsidwa, wina amakhala pansi pa banki kapena osankhidwa ndi depositor. Kuonjezerapo, gawoli likhonza kugwira ntchito mosiyana, kusunthira ndalama kuchokera ku akaunti yowonjezera yowonjezera kupita ku akaunti yowunika pamene malipiro ake atsekedwa m'munsimu.
Mchitidwe Wobwerezabwereza
M'mabungwe ogulitsa mabungwe ogulitsa katundu, ndalama za ndalama zamakhalidwe abwino zimapereka chiwongoladzanja chilichonse pa ndalama, kulimbikitsa makasitomala omwe si amalonda ogwira ntchito kuti azisunga miyesoyo pafupi ndi zero. Kupepesa wothandizila ndi wothandizira zachuma zovuta ndi ndalama zomwe zimagwiritsidwa ntchito ndi ndalama zowonongeka (makamaka ngati wofuna chithandizo atapatsidwa chitsimikizo kuti aziika kwinakwake, monga thumba la ndalama) kawirikawiri kaunti ndilo gawo lapadera.
Kuonjezerapo, maziko a chigawo chachikulu cha ndalama akuphatikizapo kuwonjezereka kwachitsulo kumalo osungirako ndalama, kuphatikizapo zina.
Ndalama zamtengo wapatali zimangobwerekera ku akaunti yachinsinsi yobwereketsa zotsatira monga:
- Kuchokera ku malonda a malonda
- Malipiro (malipiro, chidwi, etc.) ndi zopereka kuchokera kuzinthu zomwe zimagwidwa mu akaunti
- Ndalama zomwe zimaperekedwa poyembekezera zogulitsa zogulitsa
Ngakhalenso ndi ndalama zapakati zomwe zimapeza chiwongoladzanja pa ndalama, kasitomala akadakayesetsabe kukhazikitsa ntchito. Makamaka, wofuna chithandizo angafunikire kukhala ndi malipiro ndi chidwi chomwe amapeza mu akaunti imodzi nthawi zonse amasamukira ku zina chifukwa cha izi:
- Chifukwa chiwerengero chachiwiri ndicho chimene wofuna chithandizo amalemba, amachititsa kuti ATM iwonongeke ndikupanga malipiro a khadi la ngongole.
- Nkhani yoyamba ikhoza kukhala akaunti yodalirika yomwe wogula, monga trasti, akuyenera kuti azipiritsa malipiro a ndalama zonse kwa mwini wake wa akaunti yachiwiri.
Kusinthika kwa Kukhotakhota Kulemba Maakaunti
Kubwezeretsa kwapachiyambi kumaphwanya nkhani zomwe zimagwiritsidwa ntchito ndalama za msika wa ndalama monga akaunti zawo zokhudzana ndi chidwi. M'kupita kwa nthawi, chuma chamagulu chimagwira ntchito ku makampani oyendetsa mabanki kuona ubwino wopanga kapena kugula malipiro a mabanki (kumene sanalipo kale) ndikukwaniritsa zofuna zawo kuti apereke ndalama, osati ndalama za msika. Mwanjira imeneyi, kasitomala amatha kupereka ndalama zogwirira ntchito, kuchepetsa kufunika kokwera mtengo mtengo wamalonda kapena ngongole ya nthawi yaitali monga magwero a ndalama, njira yachiwiri yopambana kwa ngongole zaulere.
M'masiku osinthika amasiku ano, kuthamanga kwa ndalama kumangopita njira ziwiri. Ndalama zimachotsedwa kuchoka ku akaunti yokhudzana ndi zofunikanso pamene zimayenera kukhala malipiro ogulira malonda, kufufuza, ndi khadi la ngongole -kugulitsa makhadi a ATM.
Makampani ambiri ogwira ntchito zotetezera amatha kukhala ndi mabanki akuluakulu kapena ayambanso kukonzedwanso monga makampani ogulitsa mabanki okha monga njira yowonjezera ndalama za ndalama zoyendetsera ndalama za TARP potsata zachuma cha 2008. Izi zafulumizitsa kukakamiza kulumikiza ma akaunti a banki operekedwa m'nyumba.
Kutsitsa Buku
N'zosadabwitsa, komanso mosavuta, ngakhale makampani oyendetsa mabanki akulephera kupanga pulogalamu zowonetsera zopindulitsa ndi chidwi pakati pa akaunti. M'malo mwake, zolembera zamakalata kuti zithetse maulendowa nthawi zambiri zimawerengedwa ndipo zimalowa mwadongosolo ndi antchito ogulitsa ntchito, makamaka othandizira malonda , kumapeto kwa mwezi uliwonse.
Chifukwa chakuti zenizeni zokhazokha (mwachitsanzo, zokonzedweratu) kubwezeretsanso magawo ena mu zigawo zina za ndalama kapena ndalama zomwe zakhala zikugwiridwa kwa zaka makumi ambiri, kusagwirizana kwa ntchitoyi ndi kopambana. M'malo mwake, makonzedwe omwe amatha kusinthidwa amatha kusinthana pakati pa mabanki ogulira ndalama amangofika pokhapokha ngati ndalama zimayendetsedwa pamwezi.