Chii chinonzi Telegraphic Transfer (T/T)?
Telegraphic Transfer (T/T), inozivikanwawo sewaya kutamisa, inzira yekukurumidza uye yakananga yekubhadhara inoshandiswa zvakanyanya mukutengeserana kwenyika. Izvi zvinosanganisira remitter (kazhinji mutengesi / mutengi) achiraira bhangi ravo kuendesa mari yakatarwa nemagetsi kunemubatsiri wacho(kazhinji mutengesi / mutengesi) bank account.
Kusiyana nemabhii echikwereti (L/C) anovimba nevimbiso dzebhangi, T/T inobva pakuda kwemutengi kubhadhara uye kuvimbana pakati pemapato ekutengesa. Inoshandisa mabhengi emazuva ano emabhangi (semuenzaniso, SWIFT, Sosaiti yeWorldwide Interbank Financial Telecommunication) kuona kuti mari inofambiswa zvakachengeteka uye nemazvo kuyambuka miganhu.
T/T Inoshanda Sei Mukutengeserana Kwenyika Dzese? (Yakajairika nhanho 5)
Bvumiranai paMitemo Yekubhadhara: Mutengi nemutengesi vanotaurirana uye nekusimbisa T / T senzira yekubhadhara muchibvumirano chavo chekutengeserana (semuenzaniso, "30% yepamberi T / T, 70% chiyero T / T inopesana nekopi yeB / L").
Tanga Kubhadhara (kana kubhadhara mberi): Kana kubhadhara mberi kuchidiwa, mutengi anotumira chikumbiro cheT / T kubhangi ravo (bhangi rekubhadhara), achipa ruzivo rwakadai sezita rebhangi remutengesi, nhamba yeakaundi, SWIFT kodhi, uye mari yekuendesa. Mutengi anobhadharawo mari yebasa rebhanga.
Bhangi Rinogadzirisa Kutamiswa: Bhangi remari rinoona bhangi reakaundi yemutengi uye rinogadzirisa chikumbiro. Inotumira mirairo yekubhadhara yemagetsi kubhangi remutengesi (bhengi remubatsiri) kuburikidza netiweki dzakachengeteka (semuenzaniso, SWIFT).
Beneficiary Bank Credits Account: Bhengi remubatsiri rinogashira rairo, rinosimbisa ruzivo, uye rinokwereta mari inoenderana neakaundi yebhangi yemutengesi. Inobva yazivisa mutengesi kuti mari yagamuchirwa.
Kubhadhara Kwekupedzisira (kana chiyero chakakodzera): Pamari yekubhadhara (semuenzaniso, mushure mekunge zvinhu zvatumirwa), mutengesi anopa mutengi magwaro anodiwa (semuenzaniso, kopi yeBill of Lading, invoice yekutengeserana). Mutengi anotarisa magwaro uye anotanga kubhadhara kweT / T kwasara, achitevera nzira imwechete yekufambisa yemagetsi.
Zvinokosha zveT/T
| Zvakanakira | Zvakaipa |
| Fast fund transfer (kazhinji 1-3 mazuva ebhizinesi, zvichienderana nenzvimbo dzebhangi) | Hapana vimbiso yebhangi kune mutengesi - kana mutengi akaramba kubhadhara mushure mokunge zvinhu zvatumirwa, mutengesi angatarisana nenjodzi dzisina kubhadhara. |
| Mutengo wakaderera wekutengesa uchienzaniswa neL / C (mubhadharo wesevhisi webhangi chete unoshanda, hapana mari yakaoma yezvinyorwa). | Inovimba zvakanyanya pakuvimbana pakati pemapato - vatsva kana vasina kuvimbika vadikani vanogona kuzeza kuishandisa. |
| Maitiro akareruka ane mashoma zvinyorwa (hapana kudikanwa kwekutevedzwa kwegwaro seL / C). | Kuchinja kwekuchinja kwemari kunogona kukanganisa mari chaiyo inogamuchirwa neanobatsirwa, sezvo mari inoshandurwa panguva yekuendesa. |
Yakajairwa T / T Kubhadhara Matemu muKutengesera
Advance T/T (100% kana Partial): Mutengi anobhadhara zvese kana chikamu chemari yese mutengesi asati aendesa zvinhu. Izvi zvakanyanyonakira mutengesi (yakaderera njodzi).
Chiyero T/T Chinopesana neZvinyorwa: Mutengi anobhadhara mari yasara mushure mekugamuchira uye nekuongorora makopi ezvinyorwa zvekutumira (semuenzaniso, B/L kopi), kuve nechokwadi chekuti mutengesi azadzisa zvisungo zvekutumira.
T/T Mushure meKusvika Kwezvinhu: Mutengi anobhadhara mushure mekutarisa zvinhu kana asvika pachiteshi chengarava. Izvi zvakanyanyonakira mutengi asi zvine njodzi yakanyanya kumutengesi.
Applicable Scenarios
Kutengeserana pakati penguva refu, vadyidzani vanovimbwa (apo kuvimbana kunoderedza njodzi dzekubhadhara).
Zvidiki kusvika pakati-kati-yekutengeserana maodha (inodhura-inoshanda ichienzaniswa neL/C kune yakaderera-kukosha kutengeserana).
Kukurumidzira kutengeserana (semuenzaniso, zvinhu zvinobata nguva) uko kukurumidza kuendesa homwe kwakakosha.
Kuchinjana uko mapato ese arikuda nzira yekubhadhara iri nyore, inochinjika pane yakaoma L/C maitiro.
Nguva yekutumira: Aug-26-2025
