Muripo wemuchinjiko unoreva risiti remari uye maitiro ekubhadhara anobvakutengeserana kwenyika dzakawanda, mari, kana kuendesa homwe yemunhu pakati penyika mbiri kana kupfuura kana matunhu. Nzira dzekubhadhara dzakajairika dzekuyambuka miganhu ndedzinotevera:
Traditional Financial Institution Kubhadhara Nzira
Ndidzo dzakanyanya kukosha uye dzinowanzo shandiswa nzira dzekuyambuka-muganho, kusimudzira network dzepasi rose dzechinyakare masangano emari semabhangi kubata mari yekugadzirisa.
Telegraphic Transfer (T/T)
Musimboti: Tumira mari kubva kubhengi remubhadhari kuenda kubhengi account yemubhadharo kuburikidza neinterbank electronic communication systems (semuenzaniso, SWIFT).
Hunhu: Kuchengetedzeka kwepamusoro uye nguva yakagadzikana yekusvika (kazhinji 1-5 mazuva ebhizinesi). Zvakadaro, mari idzi dzakakwirisa, dzinobhadhara mari dzekubhadhara kubhangi, mari dzemubhangi dzepakati, kutambira mari dzekubhanga, nezvimwewo. Kunze kwezvo, mitengo yekuchinjana inogona kuchinja.
Mamiriro Anoshanda: Makuru ekutengeserana ekugara, inter-enterprise homwe yekuchinjisa, mari yechikoro yekufunda kunze kwenyika, nezvimwe.
Tsamba Yechikwereti (L/C)
Musimboti: Chitsidzo chekubhadhara chine zvimiso chinopihwa nebhanga kune mutengesi kunze kwekukumbira kweanotenga kunze kwenyika. Bhangi rinobhadhara chero bedzi mutengesi achiendesa magwaro anoenderana neL/C zvinodiwa.
Hunhu: Inochengetedzwa nechikwereti chebhangi, ichidzikisa njodzi dzevatengi uye nevatengesi. Asi, zvinosanganisira maitiro akaomarara uye mitengo yakakwira, kusanganisira kuvhura, kugadzirisa, uye mari yekuzivisa, uye kutenderera kwayo kurefu.
Mamiriro Anoshanda: Kutengeserana kwenyika dzepasirese nemari yakakura uye kusavimbana pakati pevatengi nevatengesi, kunyanya kubatira pamwe kekutanga.
Collection
Nheyo: Mutengesi kunze kwenyika anopa bhangi kuti ritore mubhadharo kubva kune anopinza, rakakamurwa kuita kuunganidzwa kwakachena uye kuunganidzwa kwezvinyorwa. Mukuunganidza zvinyorwa, mutengesi anopa zvinyorwa pamwe chete nemagwaro ekutengeserana (semuenzaniso, mabhiri ekutakura, invoice) kubhangi kuti iunganidzwe.
Hunhu: Mari yakaderera uye maitiro ari nyore kupfuura L / C. Asi njodzi yacho yakakura, sezvo mutengesi anogona kuramba kubhadhara kana kugamuchirwa. Bhangi rinongoendesa magwaro uye rinotora mubhadharo pasina kutakura mutoro wekubhadhara.
Mamiriro Anoshanda: Kugadziriswa kwekutengeserana kwenyika dzese uko mapato ese ari maviri ane hwaro hwekubatana uye vanoziva chikwereti chemumwe nemumwe kusvika pamwero wakati.
Yechitatu-Bato Kubhadhara Platform Kubhadhara Nzira
Nekuvandudzwa kweinternet, mapuratifomu ekubhadhara echitatu anoshandiswa zvakanyanya mukubhadhara kuyambuka muganhu kuitira nyore uye kushanda.
Mapuratifomu Anozivikanwa Epasirese Wechitatu-Bato Rokubhadhara
PayPal:Imwe yemapuratifomu anoshandiswa zvakanyanya pasi rose, inotsigira kutengeserana kwemari yakawanda. Vashandisi vanogona kubhadhara kuyambuka-muganho mushure mekunyoresa uye kubatanidza kadhi rebhangi kana kadhi rechikwereti. Iri nyore uye yakachengeteka, asi inodhura, nekutengesa uye mari yekushandura mari, uye ine zvisingakwanisi kushandiswa mune dzimwe nzvimbo.
Mutsetse:Yakatarisana nevatengi vemakambani, inopa mhinduro dzekubhadhara online uye kutsigira nzira dzakawanda senge kiredhiti nemakadhi ekubhengi. Iyo inoratidzira kubatanidzwa kwakasimba, inokodzera e-commerce mawebhusaiti uye SaaS mapuratifomu. Mari dzayo dziri pachena uye nguva yekusvika inokurumidza, asi kuongorora kwayo kwevatengesi kwakasimba.
Chinese Chechitatu-Bato Kubhadhara Platform (Kutsigira Kuyambuka-Border Services)
Alipay:Mukubhadhara kuyambuka, inobvumira vashandisi kushandisa kune mhiri kwemakungwa vatengesi vekunze uye kutenga online. Kuburikidza nekushandira pamwe nemasangano emuno, inoshandura RMB kuita mari dzemuno. Iri mushandisi-inoshamwaridzika kuChinese, iri nyore, uye inopa yakanaka mareti ekutsinhana uye kukwidziridzwa.
WeChat Pay:Zvakafanana neAlipay, inowanzoshandiswa munharaunda dzekunze dzeChinese uye vatengesi vanokodzera. Inogonesa kubhadhara kodhi yeQR uye kuendesa mari, kuve nyore uye kufarirwa nevashandisi veChinese.
Dzimwe Nzira dzekubhadhara dzeMuchinjikwa
Debit/Credit Card Kubhadhara
Nheyo: Paunenge uchishandisa makadhi epasi rese (semuenzaniso, Visa, Mastercard, UnionPay) ekushandisa mhiri kwemakungwa kana kutenga online, kubhadhara kunoitwa zvakananga. Mabhangi anoshandura huwandu nemitengo yekuchinja uye kugadzirisa maakaundi.
Hunhu: Kureruka kwakanyanya, hapana chikonzero chekuchinjana mari yekunze pamberi. Asi inogona kuunza mari yekuyambuka uye yekushandura mari, uye pane njodzi yekubiridzira kadhi.
Mamiriro Anoshanda: Kubhadhara kudiki senge mari yekufambisa mhiri kwemakungwa uye kuyambuka-muganho kutenga online.
Digital Currency Payment
Nheyo: Shandisa mari dzedhijitari seBitcoin neEthereum kuchinjisa muganhu kuburikidza ne blockchain, pasina kuvimba nemabhangi.
Hunhu: Kukurumidza kutengeserana, mubhadharo wakaderera kune dzimwe mari, uye kusazivikanwa kwakasimba. Nekudaro, ine hombe kushanduka kwemutengo, mirau isinganzwisisike, uye njodzi dzakakwirira dzemutemo uye dzemusika.
Mamiriro Anoshanda: Parizvino anoshandiswa mune niche kuyambuka-muganho kutengeserana, haisati iri nzira huru.
Nguva yekutumira: Aug-21-2025
