Chii chinonzi Telegraphic Transfer (T/T)?
Kutumira neTelegraphic (T/T), inozivikanwawo sekutumira nefoni, inzira yekubhadhara nekukurumidza uye yakananga inoshandiswa zvakanyanya mukutengeserana kwenyika dzese. Inosanganisira mutumi (kazhinji anopinza/anotenga) achiraira bhangi ravo kuti ritumire mari yakatarwa nemagetsi kubhangi.wevanobatsirwa(kazhinji kacho iakaundi yebhangi inotumira kunze kwenyika/inotengesa).
Kusiyana netsamba dzechikwereti (L/C) dzinovimba nevimbiso dzebhangi, T/T yakavakirwa pakuda kwemutengi kubhadhara uye kuvimbana pakati pemapato ekutengeserana. Inoshandisa network dzemazuva ano dzebhangi (semuenzaniso, SWIFT, Society for Worldwide Interbank Financial Telecommunication) kuona kuti mari inotumirwa zvakachengeteka uye zvinobudirira kuburikidza nemiganhu.
T/T Inoshanda Sei Mukutengeserana Kwenyika Dzese? (Maitiro Akajairika eNhanho 5)
Bvumiranai paMitemo Yekubhadhara: Mutengi nemutengesi vanotaurirana uye vanosimbisa T/T senzira yekubhadhara muchibvumirano chavo chekutengeserana (semuenzaniso, "30% T/T yepamberi, 70% yasara T/T ichipesana nekopi yeB/L").
Tanga Kubhadhara (kana muripo wepamberi): Kana muripo wepamberi uchifanira kubhadharwa, mutengi anotumira fomu reT/T kubhangi rake (bhangi rinotumira mari), achipa ruzivo rwakaita sezita rebhangi remutengesi, nhamba yeakaundi, kodhi yeSWIFT, uye mari yekutumira. Mutengi anobhadharawo mari yebasa rebhangi.
Bhangi Rinogadzirisa Kutumirwa Kwemari: Bhangi rinotumira mari rinoongorora mari iri muakaundi yemutengi uye rinogadzirisa chikumbiro chacho. Rinotumira mirairo yekubhadhara nemagetsi kubhangi remutengesi (bhangi rinobatsirwa) kuburikidza nemanetiweki akachengeteka (semuenzaniso, SWIFT).
Bhangi Rinobatsirwa Rinoisa Mari muAkaundi: Bhangi rinobatsirwa rinogamuchira mirairo, roongorora ruzivo, uye roisa mari inoenderana neakaundi yebhangi yemutengesi. Rinobva razivisa mutengesi kuti mari yacho yagamuchirwa.
Kubhadhara Kwekupedzisira (kana mari yasara): Pakubhadhara mari yasara (semuenzaniso, mushure mekunge zvinhu zvatumirwa), mutengesi anopa mutengi magwaro anodiwa (semuenzaniso, kopi yeBill of Lading, invoice yekutengeserana). Mutengi anoongorora magwaro acho otanga kubhadhara mari yasara yeT/T, achitevera nzira imwecheteyo yekutumira zvinhu nemagetsi.
Zvinhu Zvikuru zveT/T
| Zvakanakira | Zvakashata |
| Kutumira mari nekukurumidza (kazhinji mazuva 1-3 ebhizinesi, zvichienderana nenzvimbo dzebhangi) | Hapana vimbiso yebhangi kumutengesi - kana mutengi akaramba kubhadhara mushure mekunge zvinhu zvatumirwa, mutengesi anogona kusangana nenjodzi dzekusabhadhara. |
| Mari shoma yekutengeserana kana tichienzanisa neL/C (mari yebasa rebhangi chete ndiyo inoshanda, hapana mari yakaoma yekunyora magwaro). | Inovimba zvakanyanya nekuvimbana pakati pemapato - vadikani vatsva kana vasina kuvimbika vanogona kuzeza kuishandisa. |
| Maitiro ari nyore asina magwaro akawanda (hapana chikonzero chekutevedzera magwaro zvakanyanya seL/C). | Kuchinja-chinja kwemari yekuchinjana kunogona kukanganisa mari chaiyo inogamuchirwa neanopihwa mari, sezvo mari yacho ichishandurwa panguva yekuchinjisa mari. |
Mitemo Yekubhadhara Yakajairika yeT/T muKutengeserana
Mutengo wepamberi wekutengesa (100% kana chikamu): Mutengi anobhadhara mari yese kana chikamu chemari yese mutengesi asati atumira zvinhu. Izvi zvinonyanya kubatsira mutengesi (njodzi shoma).
Mari yasara yeT/T ichienzaniswa neMagwaro: Mutengi anobhadhara mari yasara mushure mekugamuchira nekusimbisa makopi emagwaro ekutumira (semuenzaniso, kopi yeB/L), achivimbisa kuti mutengesi azadzisa zvinodiwa pakutumira.
T/T Mushure mekusvika kweZvinhu: Mutengi anobhadhara mushure mekutarisa zvinhu kana zvasvika pachiteshi chekuendesa zvinhu. Izvi zvinonyanya kubatsira mutengi asi zvine njodzi huru kumutengesi.
Mamiriro Ezvinhu Anoshanda
Kutengeserana pakati pevadyidzani venguva refu, vanovimbwa navo (uko kuvimbana kunoderedza njodzi dzekubhadhara).
Maodha ekutengeserana madiki kusvika pakati nepakati (anoshanda zvishoma kana tichienzanisa neL/C yekutengeserana kusina kukosha zvakanyanya).
Kutengeserana nekukasika (semuenzaniso, zvinhu zvinotora nguva yakareba) uko kutumira mari nekukurumidza kwakakosha.
Kutengeserana uko mapato ese ari maviri anoda nzira yekubhadhara iri nyore uye inochinjika pane nzira dzakaoma dzekubhadhara.
Nguva yekutumira: Nyamavhuvhu-26-2025
