Ukuhlawulwa kwemida

Intlawulo yokuwela imida ibhekisa kwirisithi yemali kunye nokuziphatha kwentlawulo evelaurhwebo lwamazwe ngamazwe, utyalo-mali, okanye ukudluliselwa kwengxowa-mali yomntu phakathi kwamazwe amabini okanye ngaphezulu okanye imimandla. Iindlela eziqhelekileyo zentlawulo yokuwela imida zezi zilandelayo:

Iindlela zeNtlawulo yeZiko lezeMali leMveli

Zezona ndlela zisisiseko nezisetyenziswa ngokuqhelekileyo zokuhlawula imida, ukusebenzisa uthungelwano lwehlabathi lwamaziko emali emveli afana neebhanki ukujongana nenkxaso-mali.

Ugqithiso lweTelegraphic (T/T)

UmGaqo: Ukudlulisela imali kwi-akhawunti yebhanki yomhlawuli ukuya kwiakhawunti yebhanki yomhlawuli kusetyenziswa iinkqubo zonxibelelwano nge-elektroniki ye-interbank (umz., SWIFT).

Iimpawu: Ukhuseleko oluphezulu kunye nexesha lokufika elizinzile (ngokuqhelekileyo i-1-5 iintsuku zokusebenza). Nakuba kunjalo, imirhumo iphezulu, ihlawulela iintlawulo ezihlawulwayo zebhanki, iifizi zebhanki ezingenelelayo, ukufumana iifizi zebhanki, njl. njl.

Iimeko eziSebenzayo: Ukuhlaliswa korhwebo olukhulu, ukudluliselwa kwengxowa-mali phakathi kwamashishini, iintlawulo zokufunda phesheya, njl.

Ileta yeTyala (L/C)

UmGaqo: Isibophelelo sentlawulo esinemiqathango esikhutshwa yibhanki kumthengisi wangaphandle ngesicelo somrhwebi. Ibhanki iya kuhlawula okoko umthengisi engenisa amaxwebhu ahambelana neemfuno ze-L/C.

Iimpawu: Ikhuselwe ngetyala lebhanki, ukunciphisa umngcipheko wamatyala wabathengi kunye nabathengisi. Nangona kunjalo, ibandakanya iinkqubo ezintsonkothileyo kunye neendleko eziphezulu, kubandakanya ukuvula, ukulungiswa, kunye nemirhumo yesaziso, kwaye umjikelo wayo wokucubungula umde.

Iimeko eziSebenzayo: Iintengiselwano zorhwebo zamazwe ngamazwe ezinezixa ezikhulu kunye nokungathembani phakathi kwabathengi nabathengisi, ingakumbi kwintsebenziswano yokuqala.

Ingqokelela

Umgaqo: Umthumeli-mpahla ngaphandle uphathisa ibhanki ukuba iqokelele intlawulo kumntu othenga kumazwe angaphandle, yahlulwe ibe yingqokelela ecocekileyo kunye nengqokelela yamaxwebhu. Kwingqokelela yamaxwebhu, umthengisi unika idrafti kunye namaxwebhu orhwebo (umzekelo, amatyala omthwalo, ii-invoyisi) ebhankini ukuze ziqokelelwe.

Iimpawu: Imirhumo ephantsi kunye neenkqubo ezilula kune-L/C. Kodwa umngcipheko uphezulu, kuba umntu othenga kumazwe angaphandle usenokwala intlawulo okanye ukwamkelwa. Ibhanki idlulisela nje amaxwebhu kwaye iqokelela intlawulo ngaphandle kokuthwala uxanduva lokuhlawula.

Iimeko eziSebenzayo: Ukuhlaliswa korhwebo lwamazwe ngamazwe apho amaqela omabini anesiseko sentsebenziswano kwaye esazana ngetyala lomnye komnye ukusa kumlinganiselo othile.

Iindlela zeNtlawulo yeQonga leNtlawulo yeQela lesithathu

Ngophuhliso lwe-intanethi, iiplatifomu zokuhlawula umntu wesithathu zisetyenziswa ngokubanzi kwiintlawulo ezinqamlezayo ukuze kube lula kunye nokusebenza kakuhle.

AmaQonga eNtlawulo aziwa ngaMazwe ngaMazwe ngaMazwe eSithathu

I-PayPal:Elinye lawona maqonga asetyenziswa kakhulu kwihlabathi, axhasa ukuthengiselana ngeemali ezininzi. Abasebenzisi banokwenza iintlawulo eziwela umda emva kokubhalisa kunye nokudibanisa ikhadi lebhanki okanye ikhadi lekhredithi. Ifanelekile kwaye ikhuselekile, kodwa iyabiza, kunye neentlawulo zentengiselwano kunye nokuguqulwa kwemali, kwaye inemida yokusetyenziswa kwezinye iindawo.

Umtya:Kugxilwe kubathengi benkampani, ukunika izisombululo zentlawulo ye-intanethi kunye nokuxhasa iindlela ezininzi ezifana namakhadi okuthenga ngetyala kunye ne-debit. Ibandakanya ukudityaniswa okuqinileyo, iiwebhusayithi ezifanelekileyo ze-e-commerce kunye namaqonga e-SaaS. Imirhumo yayo iyabonakala kwaye ixesha lokufika likhawuleza, kodwa uphononongo lwayo lomthengisi lungqongqo.

Amaqonga eNtlawulo yamaTshayina eQela (Inkxaso yeeNkonzo zokuNqamla imida)

I-Alipay:Kwiintlawulo eziwela imida, ivumela abasebenzisi ukuba bachithe kubathengisi abangaphandle kwe-intanethi kunye nokuthenga kwi-intanethi. Ngentsebenziswano namaziko asekuhlaleni, iguqula i-RMB kwiimali zengingqi. Isebenziseka ngokulula kwiTshayina, ilungile, kwaye ibonelela ngamaxabiso alungileyo kunye nentengiso.

I-WeChat Pay:Ngokufana ne-Alipay, iqhele ukusetyenziswa kwiindawo zaseTshayina zaphesheya kunye nabarhwebi abafanelekileyo. Ivumela intlawulo yekhowudi ye-QR kunye nokudluliselwa kwemali, kube lula kwaye kuthandwa ngabasebenzisi baseTshayina.

Ezinye iindlela zeNtlawulo yokunqumla imida

Intlawulo ye-Debit/Credit Card

Umgaqo: Xa usebenzisa amakhadi amazwe ngamazwe (umzekelo, i-Visa, i-Mastercard, i-UnionPay) yokusetyenziswa phesheya okanye ukuthenga kwi-intanethi, iintlawulo zenziwa ngokuthe ngqo. Iibhanki ziguqula izixa ngamaxabiso otshintshiselwano kwaye zihlawule iiakhawunti.

Iimpawu: Ukulungeleka okuphezulu, akukho mfuneko yokutshintshiselana ngemali yangaphandle kwangaphambili. Kodwa inokungena kumda kunye nemali yokuguqula imali, kwaye kukho umngcipheko wobuqhetseba bekhadi.

Iimeko eziSebenzayo: Iintlawulo ezincinci ezifana neendleko zokuhamba phesheya kunye nokuthenga umda kwi-intanethi.

Intlawulo yemali yedijithali

Umgaqo: Sebenzisa iimali zedijithali ezifana neBitcoin kunye ne-Ethereum ukudluliselwa kwemida nge-blockchain, ngaphandle kokuxhomekeka kwiibhanki.

Iimpawu: Iintengiselwano ezikhawulezayo, imirhumo ephantsi kwezinye iimali, kunye nokungaziwa okunamandla. Nangona kunjalo, inexabiso elikhulu lokuguquguquka, imimiselo engaqondakaliyo, kunye nemingcipheko ephezulu yezomthetho neyemarike.

Iimeko eziSebenzayo: Ngoku isetyenziswa kwi-niche transactions cross-border, ingekabi yindlela eqhelekileyo.