Kwishyura mu mahanga

Kwishyura mu buryo bwambukiranya imipaka bivuga uburyo amafaranga yakirwa n'uburyo yishyurwa bukomoka kuubucuruzi mpuzamahanga, ishoramari, cyangwa kohereza amafaranga ku giti cy'abantu hagati y'ibihugu bibiri cyangwa byinshi cyangwa uturere. Uburyo busanzwe bwo kwishyurana bwambukiranya imipaka ni ubu bukurikira:

Uburyo gakondo bwo kwishyurana n'ibigo by'imari

Ni bwo buryo bw'ibanze kandi bukoreshwa cyane mu kwishyurana ku mipaka, bukoresha imiyoboro mpuzamahanga y'ibigo by'imari bisanzwe nka za banki kugira ngo bashobore gukemura ibibazo by'amafaranga.

Kohereza amakuru kuri Telegrafike (T/T)

Ihame: Kohereza amafaranga ava kuri konti ya banki y'uwishyura ajya kuri konti ya banki y'uwishyurwa binyuze muri sisitemu y'itumanaho ry'ikoranabuhanga hagati y'amabanki (urugero, SWIFT).

Ibiranga: Umutekano mwinshi n'igihe cyo kuhagera gihoraho (ubusanzwe ni iminsi 1-5 y'akazi). Ariko, amafaranga ni menshi, akubiyemo amafaranga yo kohereza muri banki, amafaranga y'ubuhuza muri banki, amafaranga yo kwakira amafaranga ya banki, n'ibindi. Uretse ibyo, igipimo cy'ivunjisha gishobora guhinduka.

Ibintu bikurikizwa: Guhuza ubucuruzi bunini, kohereza amafaranga hagati y'ibigo, kwishyura amafaranga y'ishuri yo kwiga mu mahanga, n'ibindi.

Ibaruwa y'inguzanyo (L/C)

Ihame: Inyemezabwishyu ishingiye ku masezerano ihabwa n'ibanki ku muntu wohereza ibicuruzwa mu mahanga iyo isabwe n'umutumiza ibicuruzwa mu mahanga. Banki izishyura igihe cyose umuntu wohereza ibicuruzwa mu mahanga atanze inyandiko zijyanye n'ibisabwa na L/C.

Ibiranga: Ifite ingwate kubera inguzanyo ya banki, bigabanya ibyago by'inguzanyo ku baguzi n'abagurisha. Nyamara, ikubiyemo inzira zigoye n'ibiciro biri hejuru, harimo amafaranga yo gufungura, kuvugurura no gutanga amakuru, kandi igihe cyo kuyitunganya ni kirekire.

Ibintu bifatika: Amasezerano mpuzamahanga y’ubucuruzi afite umubare munini w’abaguzi n’abagurisha, cyane cyane ku bufatanye bwa mbere.

Gukusanya

Ihame: Umucuruzi wohereza ibicuruzwa mu mahanga ashinga banki kwakira amafaranga y’umucuruzi, bigabanyijemo amakusanyirizo meza n’amakusanyirizo y’inyandiko. Mu ikusanyirizo ry’inyandiko, umucuruzi wohereza ibicuruzwa mu mahanga aha banki inyandiko z’ubucuruzi hamwe n’inyandiko z’ubucuruzi (urugero: impapuro z’imizigo, inyemezabuguzi) kugira ngo zifatwe.

Ibiranga: Amafaranga make n'uburyo bworoshye bwo kwishyura ugereranije na L/C. Ariko ingaruka ni nyinshi, kubera ko uwatumije ibicuruzwa ashobora kwanga kwishyura cyangwa kwakirwa. Banki yohereza inyandiko gusa ikakira amafaranga nta kibazo cyo kwishyura.

Ibintu Bishoboka: Imibanire mpuzamahanga y'ubucuruzi aho impande zombi zifite ishingiro ry'ubufatanye kandi zimenyana ku rugero runaka.

Uburyo bwo kwishyurana ku rubuga rwa gatatu rw'ubwishyu

Mu iterambere rya interineti, uburyo bwo kwishyurana bw’abantu ba gatatu bukoreshwa cyane mu kwishyurana ku mipaka kugira ngo byorohere kandi bigire umusaruro mwiza.

Imbuga zo kwishyurana zizwi ku rwego mpuzamahanga

PayPal:Imwe mu mbuga zikoreshwa cyane ku isi, ishyigikira ibikorwa by'amafaranga menshi. Abakoresha bashobora kwishyura mu mahanga nyuma yo kwiyandikisha no guhuza ikarita ya banki cyangwa ikarita y'inguzanyo. Ni nziza kandi ifite umutekano, ariko ihenze, ifite amafaranga yo guhindura no guhindura amafaranga, kandi ifite imbogamizi mu mikoreshereze yayo muri bimwe mu bice.

Imirongo:Yibanda ku bakiriya b'ibigo, itanga ibisubizo byo kwishyura kuri interineti kandi ishyigikira uburyo butandukanye nka amakarita y'inguzanyo na debiti. Ifite imikoranire ikomeye, ihuza imbuga za interineti z'ubucuruzi na porogaramu za SaaS. Amafaranga yayo ni ay'umucyo kandi igihe cyo kuhagera ni cyihuse, ariko isuzuma ryayo ry'abacuruzi rirakomeye.

Uburyo bwo kwishyurana bw'abakiriya bo mu Bushinwa (bushyigikira serivisi zambukiranya imipaka)

Alipay:Mu kwishyurana ku mipaka, yemerera abakoresha gucuruza mu mahanga batari kuri interineti no guhaha kuri interineti. Binyuze mu bufatanye n'ibigo byo mu gace, ihindura RMB mu mafaranga yo mu gace. Yoroshye kuyikoresha mu Bushinwa, yoroshye kuyikoresha, kandi itanga ibiciro byiza byo kuvunjisha no kwamamaza.

Kwishyura kuri WeChat:Kimwe na Alipay, ikoreshwa cyane mu miryango y'Abashinwa yo mu mahanga n'abacuruzi bujuje ibisabwa. Ituma umuntu yishyura kandi yohereza amafaranga kuri konti ya QR, ikaba yoroshye kandi ikundwa n'abakoresha b'Abashinwa.

Ubundi buryo bwo kwishyura bwambukiranya imipaka

Kwishyura ikarita ya Debiti/Ikarita y'Inguzanyo

Ihame: Mu gihe ukoresha amakarita mpuzamahanga (urugero, Visa, Mastercard, UnionPay) mu kugura mu mahanga cyangwa kuri interineti, kwishyura bikorwa mu buryo butaziguye. Amabanki ahindura amafaranga akurikije ibiciro by'ivunjisha n'amakonti yo kwishyura.

Ibiranga: Koroshya cyane, nta mpamvu yo kuvunjisha amafaranga y'amahanga mbere y'igihe. Ariko bishobora gukurura amafaranga yambukiranya imipaka n'ayo guhindura amafaranga, kandi hari ibyago byo kwiba amakarita.

Ibintu Bishoboka: Kwishyura amafaranga make nko kwishyura ingendo mu mahanga no guhaha kuri interineti.

Kwishyura amafaranga hakoreshejwe ikoranabuhanga

Ihame: Koresha amafaranga yo mu ikoranabuhanga nka Bitcoin na Ethereum mu kohereza amafaranga ukoresheje blockchain, utishingikirije ku mabanki.

Ibiranga: Gucuruza vuba, amafaranga make kuri amwe mu mafaranga, no kutamenyekana cyane. Ariko, bifite ihindagurika rikomeye ry'ibiciro, amabwiriza adasobanutse neza, ndetse n'ingaruka zikomeye ku mategeko no ku isoko.

Ibintu Bishoboka: Ubu bikoreshwa mu bikorwa bidasanzwe byambukiranya imipaka, ntabwo ari uburyo busanzwe.