Kodi Telegraphic Transfer (T/T) ndi chiyani?
Telegraphic Transfer (T/T), yomwe imadziwikanso kuti wire transfer, ndi njira yolipira mwachangu komanso mwachindunji yomwe imagwiritsidwa ntchito kwambiri pamalonda apadziko lonse lapansi. Zimakhudzanso wotumiza (nthawi zambiri wobwereketsa / wogula) kulangiza banki yawo kuti isamutsire ndalama zina pakompyuta kuopindula(kawirikawiri wotumiza kunja/wogulitsa) akaunti yakubanki.
Mosiyana ndi makalata a ngongole (L/C) omwe amadalira zitsimikizo za banki, T/T imachokera ku kufunitsitsa kwa wogula kulipira ndi kukhulupirirana pakati pa magulu ogulitsa. Imagwiritsa ntchito mabanki amakono (mwachitsanzo, SWIFT, Society for Worldwide Interbank Financial Telecommunication) kuwonetsetsa kuti ndalama zimasamutsidwa motetezeka komanso moyenera kudutsa malire.
Kodi T/T Imagwira Ntchito Motani mu Trade Trade? (Njira 5 yodziwika bwino)
Gwirizanani pa Migwirizano ya Malipiro: Wogula ndi wogulitsa amakambirana ndikutsimikizira T/T ngati njira yolipirira mu mgwirizano wawo wamalonda (mwachitsanzo, "30% T/T patsogolo, 70% balance T/T motsutsana ndi buku la B/L").
Yambitsani Malipiro (ngati kulipiriratu): Ngati kulipiridwa pasadakhale kukufunika, wogula amatumiza mafomu a T/T ku banki yake (ku banki yotumiza), kupereka zambiri monga dzina la banki ya wogulitsayo, nambala ya akaunti, nambala ya SWIFT, ndi ndalama zosinthira. Wogula amalipiranso ndalama zothandizira kubanki.
Banki Imakonza Zosamutsa: Banki yotumizira imatsimikizira ndalama za akaunti ya wogula ndikukonza zopemphazo. Imatumiza malangizo olipira pakompyuta ku banki ya ogulitsa (banki yopindula) kudzera pamaneti otetezedwa (mwachitsanzo, SWIFT).
Banki Yopindula Imakongoletsa Akaunti: Banki yopindula imalandira malangizo, imatsimikizira zambiri, ndikuyika ndalamazo ku akaunti yakubanki ya wogulitsa. Kenako imadziwitsa wogulitsa kuti ndalamazo zalandiridwa.
Malipiro Omaliza (ngati ndalama zikuyenera): Pamalipiro otsala (mwachitsanzo, katundu atatumizidwa), wogulitsa amapatsa wogula zikalata zofunika (mwachitsanzo, kopi ya Bill of Lading, invoice yamalonda). Wogula amayang'ana zikalata ndikuyambitsa malipiro a T / T otsala, potsatira njira yofananira yotumizira pakompyuta.
Zofunikira zazikulu za T/T
| Ubwino wake | Zoipa |
| Kusamutsa ndalama mwachangu (nthawi zambiri 1-3 masiku abizinesi, kutengera malo aku banki) | Palibe chitsimikizo cha banki kwa wogulitsa - ngati wogula akukana kulipira katundu atatumizidwa, wogulitsa angakumane ndi zoopsa zosalipira. |
| Ndalama zotsika mtengo poyerekeza ndi L/C (ndalama zolipirira banki zokha ndizofunika, palibe chindapusa cholembera). | Amadalira kwambiri kukhulupirirana pakati pa maphwando - mabwenzi atsopano kapena osadalirika akhoza kukayikira kugwiritsa ntchito. |
| Njira yosavuta yokhala ndi zolemba zochepa (palibe chifukwa chotsatira mosamalitsa zolemba ngati L / C). | Kusintha kwa kusintha kwa ndalama kungakhudze ndalama zenizeni zomwe wopindula amalandila, monga momwe ndalama zimasinthidwa panthawi yakusamutsa. |
Malipiro Wamba a T/T mu Trade
Advance T/T (100% kapena Partial): Wogula amalipira zonse kapena gawo la ndalama zonse asanatumize katunduyo. Izi ndizabwino kwambiri kwa wogulitsa (chiwopsezo chochepa).
Balance T/T Against Documents: Wogula amalipira ndalama zotsala atalandira ndi kutsimikizira makope a zikalata zotumizira (mwachitsanzo, B/L kopi), kuwonetsetsa kuti wogulitsa wakwaniritsa zofunikira zotumizira.
T/T Pambuyo pa Kufika kwa Katundu: Wogula amalipira akayang'ana katunduyo atafika padoko lomwe akupita. Izi ndizabwino kwambiri kwa wogula koma zimakhala ndi chiopsezo chachikulu kwa wogulitsa.
Zochitika Zoyenera
Malonda pakati pa mabwenzi anthawi yayitali, odalirika (komwe kukhulupirirana kumachepetsa chiwopsezo cha kulipira).
Malonda ang'onoang'ono mpaka apakatikati (otsika mtengo poyerekeza ndi L/C pazogulitsa zotsika mtengo).
Zochita zachangu (mwachitsanzo, katundu wotengera nthawi) pomwe kusamutsa ndalama mwachangu ndikofunikira.
Zochita zomwe mbali zonse zimakonda njira yosavuta yolipirira kuposa njira zovuta za L/C.
Nthawi yotumiza: Aug-26-2025
