He aha te Whakawhiti Waea (T/T)?
Ko te Whakawhiti Waea (T/T), e mōhiotia ana ko te whakawhiti waea, he tikanga utu tere, tika hoki e whakamahia whānuitia ana i roto i te hokohoko o te ao. Kei roto i tēnei ko te kaituku moni (te nuinga o te wā ko te kawemai/kaihoko) e whakahau ana i tā rātou peeke ki te whakawhiti i tētahi moni kua tohua mā te hiko kite kaiwhiwhipūkete peeke (ko te tikanga ko te kaweake/kaihoko).
He rerekē te T/T i ngā reta nama (L/C) e whakawhirinaki ana ki ngā taurangi peeke, ko te T/T e hangai ana ki te hiahia o te kaihoko ki te utu me te whakawhirinaki i waenga i ngā rōpū hokohoko. Ka whakamahia e ia ngā whatunga peeke hou (hei tauira, SWIFT, te Society for Worldwide Interbank Financial Telecommunication) kia pai ai te whakawhiti moni puta noa i ngā rohe.
He pēhea te mahi a te T/T i roto i te hokohoko ā-ao? (Tukanga 5-Hipanga noa)
Whakaaetia ngā Tikanga Utu: Ka whiriwhiria e te kaihoko me te kaihoko, ka whakaūtia te T/T hei tikanga utu i roto i tā rāua kirimana hokohoko (hei tauira, "30% T/T mua, 70% toenga T/T ki te kape o te B/L").
Tīmata Utu (mēnā he utu mua): Mēnā e hiahiatia ana he utu mua, ka tukuna e te kaihoko he tono T/T ki tā rātou peeke (pēke tuku moni), me te whakarato i ngā taipitopito pēnei i te ingoa peeke a te kaihoko, te nama pūkete, te waehere SWIFT, me te moni whakawhiti. Ka utua hoki e te kaihoko ngā utu ratonga a te peeke.
Ka Tukatuka te Peeke i te Whakawhiti: Ka manatoko te peeke tuku moni i te toenga pūkete a te kaihoko, ā, ka tukatuka i te tono. Ka tukuna he tohutohu utu hiko ki te peeke a te kaihoko (peeke whai hua) mā roto i ngā whatunga haumaru (hei tauira, SWIFT).
Ka Whiwhihia e te Peeke Whai Hua te Pūkete: Ka whiwhi te peeke whai hua i te tohutohu, ka manatoko i ngā taipitopito, ā, ka whiwhihia te moni e rite ana ki te pūkete peeke a te kaihoko. Kātahi ka whakamōhio atu ki te kaihoko kua riro mai ngā moni.
Utu Whakamutunga (mēnā e tika ana kia utua te toenga): Mō ngā utu toenga (hei tauira, i muri i te tukunga o ngā taonga), ka whakaratohia e te kaihoko ki te kaihoko ngā tuhinga e hiahiatia ana (hei tauira, he kape o te Pire Uta, he nama hokohoko). Ka tirohia e te kaihoko ngā tuhinga, ā, ka tīmata i te utu T/T e toe ana, me te whai i te tukanga whakawhiti hiko kotahi.
Ngā Āhuatanga Matua o te T/T
| Ngā Painga | Ngā ngoikoretanga |
| Whakawhiti moni tere (1-3 ngā rā pakihi, kei ngā wāhi peeke) | Kāore he taurangi peeke mō te kaihoko – ki te kore te kaihoko e utu i muri i te tukunga o ngā taonga, ka tūpono pea te kaihoko ki te kore utu. |
| He iti ngā utu tauwhitinga ki te whakaritea ki te L/C (ko ngā utu ratonga peeke anake ka pā, kāore he utu tuhinga uaua). | He nui te whakawhirinaki ki te whakawhirinaki i waenga i ngā rōpū – tērā pea ka mangere ngā hoa hou, ngā hoa kore rānei e whakawhirinakihia ana ki te whakamahi. |
| He tukanga māmā me te iti o ngā tuhinga (kāore e hiahiatia he tutukitanga tino tika o ngā tuhinga pēnei i te L/C). | Ka pā pea ngā piki me ngā heke o ngā utu whakawhiti moni ki te moni tuturu e whiwhihia ana e te kaiwhiwhi, nā te mea ka hurihia ngā moni i te wā e whakawhitihia ana. |
Ngā Ture Utu T/T Noa i roto i te Tauhokohoko
T/T Mua (100%, Wāhanga rānei): Ka utua e te kaihoko te katoa, tetahi wāhanga rānei o te moni katoa i mua i te tukunga atu o ngā taonga e te kaihoko. He mea tino pai tēnei mō te kaihoko (he iti te mōrearea).
Taurite T/T ki ngā Tuhinga: Ka utua e te kaihoko te toenga moni i muri i te whiwhinga me te manatoko i ngā kape o ngā tuhinga tuku (hei tauira, te kape B/L), me te whakarite kua tutuki i te kaihoko ngā herenga tuku.
T/T I Muri i te Taenga Mai o ngā Taonga: Ka utua e te kaihoko i muri i te tirotiro i ngā taonga ina tae ki te tauranga ūnga. He mea tino pai tēnei mō te kaihoko engari he nui te mōrearea mō te kaihoko.
Ngā horopaki e tika ana
Te hokohoko i waenga i ngā hoa mahi pono mō te wā roa (inā ka whakaitihia e te whakawhirinaki tahi ngā mōrearea utu).
Ngā ota hokohoko iti ki te rahi (he utu whai hua ki te whakataurite ki te L/C mō ngā tauwhitinga iti te uara).
Ngā whakawhitiwhitinga tere (hei tauira, ngā taonga e aro nui ana ki te wā) e tino hira ana te whakawhiti moni tere.
Ngā whakawhitiwhitinga e pai ake ai ki ngā taha e rua tētahi tikanga utu māmā, ngāwari hoki, i ngā tukanga L/C uaua.
Wā tuku: 26 o Ākuhata-2025
