Phetisetso ea Telegraphic (T/T) ke Eng?
Phetisetso ea Telegraphic (T/T), e tsejoang hape e le phetisetso ea terata, ke mokhoa oa ho lefa o potlakileng le o tobileng o sebelisoang haholo khoebong ea machabeng. E kenyelletsa moromelli (hangata ke morekisi/moreki) ea laelang banka ea bona ho fetisetsa chelete e itseng ka elektroniki hoba ruang molemo(hangata ke ak'haonte ea banka ea morekisi/morekisi).
Ho fapana le mangolo a mokitlane (L/C) a itshetlehileng hodima ditiisetso tsa banka, T/T e itshetlehile hodima boikemisetso ba moreki ba ho lefa le tshepo pakeng tsa mekga ya kgwebo. E sebedisa marangrang a sejwalejwale a dibanka (mohlala, SWIFT, Society for Worldwide Interbank Financial Telecommunication) ho netefatsa hore tjhelete e fetisetswa ka polokeho le ka bokgabane ho tshela meedi.
T/T e Sebetsa Joang Khoebong ea Machabeng? (Ts'ebetso e Tloaelehileng ea Mehato e 5)
Lumellana ka Melao ea Tefo: Moreki le morekisi ba buisana le ho netefatsa T/T e le mokhoa oa tefo konterakeng ea bona ea khoebo (mohlala, "30% T/T e tsoetseng pele, 70% e leka-lekaneng T/T khahlanong le kopi ea B/L").
Qala Tefo (haeba ho hlokahala tefo esale pele): Haeba ho hlokahala tefo esale pele, moreki o kenya kopo ea T/T bankeng ea hae (banka e romellang chelete), a fana ka lintlha tse kang lebitso la banka la morekisi, nomoro ea ak'haonte, khoutu ea SWIFT, le chelete ea phetisetso. Moreki o boetse o lefa litefiso tsa tšebeletso tsa banka.
Banka e Sebetsana le Phetisetso: Banka e romellang tjhelete e netefatsa tjhelete e setseng akhaontong ya moreki mme e sebetsana le kopo. E romela taelo ya tefo ya elektroniki bankeng ya morekisi (banka ya mojalefa) ka marangrang a sireletsehileng (mohlala, SWIFT).
Banka ea Mojalefa e Kenya Chelete Ak'haonteng: Banka ea mojalefa e fumana taelo, e netefatsa lintlha, 'me e kenya chelete e tsamaellanang le eona akhaonteng ea banka ea morekisi. Ebe e tsebisa morekisi hore chelete e amohetsoe.
Tefo ea ho Qetela (haeba ho lefisoa chelete e setseng): Bakeng sa litefo tse setseng (mohlala, ka mor'a hore thepa e romelloe), morekisi o fa moreki litokomane tse hlokahalang (mohlala, kopi ea Bill of Lading, invoice ea khoebo). Moreki o hlahloba litokomane ebe o qala tefo e setseng ea T/T, a latela mokhoa o tšoanang oa phetisetso ea elektroniki.
Likarolo tsa Bohlokoa tsa T/T
| Melemo | Mathata |
| Phetisetso e potlakileng ea chelete (hangata matsatsi a khoebo a 1-3, ho latela libaka tsa banka) | Ha ho tiisetso ea banka bakeng sa morekisi - haeba moreki a hana ho lefa ka mor'a hore thepa e romeloe, morekisi a ka tobana le likotsi tsa ho se lefe. |
| Litšenyehelo tse tlase tsa transaction ha li bapisoa le L/C (litefiso tsa tšebeletso ea banka feela lia sebetsa, ha ho na litefiso tse rarahaneng tsa litokomane). | E itšetlehile haholo ka tšepo pakeng tsa batho ba amehang - balekane ba bacha kapa ba sa tšepahaleng ba ka 'na ba tsilatsila ho e sebelisa. |
| Ts'ebetso e bonolo e nang le litokomane tse fokolang (ha ho hlokahale hore litokomane li lateloe ka thata joalo ka L/C). | Ho feto-fetoha ha sekgahla sa phapanyetsano ho ka ama tjhelete ya sebele e amohetsweng ke mojalefa, kaha tjhelete e fetolelwa nakong ya phetiso. |
Melao e Tloaelehileng ea Tefo ea T/T Khoebong
T/T e tsoetseng pele (100% kapa Karolo): Moreki o lefa tjhelete yohle kapa karolo ya tjhelete yohle pele morekisi a romela thepa. Sena se molemo haholo ho morekisi (kotsi e tlase).
Tekanyo ea T/T Khahlanong le Litokomane: Moreki o lefa chelete e setseng ka mor'a ho amohela le ho netefatsa likopi tsa litokomane tsa thomello (mohlala, kopi ea B/L), ho netefatsa hore morekisi o phethile boikarabello ba thomello.
T/T Kamora ho Fihla ha Thepa: Moreki o lefa ka mora ho hlahloba thepa ha e fihla koung eo thepa e yang ho yona. Sena se molemo haholo ho moreki empa se na le kotsi e kgolo ho morekisi.
Maemo a Sebetsang
Kgwebisano pakeng tsa balekane ba nako e telele, ba tshepahalang (moo ho tshepana ho fokotsang dikotsi tsa tefo).
Liodara tsa khoebo tse nyane ho isa ho tse mahareng (tse theko e tlase ha li bapisoa le L/C bakeng sa litšebelisano tsa boleng bo tlase).
Litšebelisano tse potlakileng (mohlala, thepa e amehang ka nako) moo phetisetso e potlakileng ea chelete e leng ea bohlokoa.
Litšebelisano moo mahlakore ka bobeli a khethang mokhoa o bonolo oa ho lefa o tenyetsehang ho feta mekhoa e rarahaneng ea L/C.
Nako ea poso: Phato-26-2025
