Intlawulo enqumla imida

Intlawulo ewela umda ibhekisa kwirisithi yemali kunye nokuziphatha kwentlawulo okuvelaurhwebo lwamazwe ngamazwe, utyalo-mali, okanye ukudluliselwa kwemali yomntu ngamnye phakathi kwamazwe amabini okanye ngaphezulu okanye imimandla. Iindlela eziqhelekileyo zokuhlawula eziwela imida zezi zilandelayo:

Iindlela zokuhlawula zeZiko lezeMali zeMveli

Zezona ndlela ziphambili nezisetyenziswa kakhulu zokuhlawula imali kwiibhanki, zisebenzisa uthungelwano lwehlabathi lwemibutho yezemali yendabuko efana neebhanki ukusingatha ukuhlawulwa kwemali.

Ukudluliselwa kweTelegraphic (T/T)

Umgaqo: Ukudlulisela imali kwiakhawunti yebhanki yomntu ohlawulayo ukuya kwiakhawunti yebhanki yomntu ohlawulayo ngokusebenzisa iinkqubo zonxibelelwano lwe-elektroniki phakathi kweebhanki (umz., i-SWIFT).

Iimpawu: Ukhuseleko oluphezulu kunye nexesha lokufika elizinzileyo (ngesiqhelo lithatha iintsuku ezi-1-5 zokusebenza). Nangona kunjalo, iifizi ziphezulu, zigubungela iifizi zebhanki ezithunyelwayo, iifizi zebhanki eziphakathi, iifizi zebhanki ezifumanayo, njl. Ngaphandle koko, amazinga okutshintshiselana anokutshintshatshintsha.

Iimeko ezisebenzayo: Izivumelwano zorhwebo ezinkulu, ukudluliselwa kwemali phakathi kwamashishini, iintlawulo zemali yokufunda kwamanye amazwe, njl.

Ileta yeTyala (L/C)

Umgaqo: Isibophelelo sentlawulo esikhutshwa yibhanki kumntu othumela impahla ngaphandle ngesicelo somntu othumela impahla ngaphandle. Ibhanki iya kuhlawula logama nje umntu othumela impahla ngaphandle engenisa amaxwebhu ahambelana neemfuno ze-L/C.

Iimpawu: Ikhuselwe yikhredithi yebhanki, nto leyo enciphisa umngcipheko wekhredithi yabathengi nabathengisi. Sekunjalo, ibandakanya iinkqubo ezintsonkothileyo kunye neendleko eziphezulu, kubandakanya ukuvulwa, ukulungiswa, kunye neentlawulo zesaziso, kwaye umjikelo wokucubungula kwayo mde.

Imeko ezisebenzayo: Iintengiselwano zorhwebo lwamazwe ngamazwe ezinobuninzi obukhulu kunye nokungathembani phakathi kwabathengi nabathengisi, ingakumbi kwintsebenziswano yokuqala.

Ingqokelela

Umgaqo: Umthengisi uphathisa ibhanki ukuba iqokelele intlawulo kumthengisi, yahlulwe ibe yingqokelela ecocekileyo kunye nengqokelela yamaxwebhu. Kwingqokelela yamaxwebhu, umthengisi unika iidrafti kunye namaxwebhu orhwebo (umz., amaphepha eebhili, ii-invoyisi) ebhankini ukuze iqokelelwe.

Iimpawu: Iintlawulo eziphantsi kunye neenkqubo ezilula kune-L/C. Kodwa umngcipheko uphezulu, kuba umngenisi wempahla unokwala ukuhlawula okanye ukwamkela. Ibhanki idlulisela nje amaxwebhu ize iqokelele intlawulo ngaphandle kokuthwala uxanduva lokuhlawula.

Iimeko Ezisebenzayo: Izivumelwano zorhwebo lwamazwe ngamazwe apho omabini amaqela anesiseko sokusebenzisana kwaye azi ikhredithi yomnye nomnye ukuya kuthi ga kwinqanaba elithile.

Iindlela zokuhlawula iqonga lentlawulo lomnye umntu

Ngophuhliso lwe-intanethi, amaqonga okuhlawula amaqela esithathu asetyenziswa kakhulu kwiintlawulo eziwela imida ukuze kube lula kwaye kube lula.

Amaqonga Okuhlawula Adumileyo Amaqela Esithathu Ehlabathini Lonke

I-PayPal:Elinye lamaqonga asetyenziswa kakhulu kwihlabathi liphela, lixhasa iintengiselwano zemali ezininzi. Abasebenzisi banokwenza iintlawulo eziwela imida emva kokubhalisa nokudibanisa ikhadi lebhanki okanye ikhadi letyala. Lilula kwaye likhuselekile, kodwa libiza kakhulu, linemirhumo yentengiselwano kunye nokuguqulwa kwemali, kwaye linemida yokusetyenziswa kwezinye iindawo.

Imicu:Igxile kubathengi beenkampani, inikezela ngezisombululo zokuhlawula kwi-intanethi kwaye ixhasa iindlela ezininzi ezifana namakhadi etyala kunye ne-debit. Iquka ukuhlanganiswa okuqinileyo, ilungele iiwebhusayithi zorhwebo lwe-e kunye namaqonga e-SaaS. Imirhumo yayo icacile kwaye ixesha lokufika likhawuleza, kodwa uphononongo lwayo lomthengisi lungqongqo.

Amaqonga eNtlawulo eNtlanga aseTshayina (Axhasa iiNkonzo eziNqamleza imida)

I-Alipay:Kwiintlawulo eziwela imida, ivumela abasebenzisi ukuba bachithe imali kubathengisi bangaphandle abangaxhunyiwe kwi-intanethi baze bathenge kwi-intanethi. Ngokusebenzisana namaziko asekuhlaleni, iguqula i-RMB ibe yimali yasekuhlaleni. Ilula ukuyisebenzisa kwisiTshayina, ilula, kwaye inika amazinga okutshintshiselana kunye nokukhushulwa okuhle.

Intlawulo yeWeChat:Njenge-Alipay, isetyenziswa kakhulu kwiindawo zaseTshayina zaphesheya kunye nabarhwebi abafanelekileyo. Ivumela intlawulo yekhowudi ye-QR kunye nokudluliselwa kwemali, kuba kulula kwaye iyathandwa ngabasebenzisi baseTshayina.

Ezinye iindlela zokuhlawula ezinqamlezileyo

Intlawulo yeDebit/Credit Card

Umgaqo: Xa usebenzisa amakhadi aphesheya (umz., iVisa, iMastercard, iUnionPay) ukuze uyisebenzise kwamanye amazwe okanye uthenge kwi-intanethi, iintlawulo zenziwa ngokuthe ngqo. Iibhanki ziguqula imali ngokwezinga lokutshintshiselana kwemali kwaye zihlawule iiakhawunti.

Iimpawu: Kulula kakhulu, akukho mfuneko yokutshintshiselana ngemali yangaphandle kwangaphambili. Kodwa kunokubangela iifizi zokuwela imida kunye nokuguqulwa kwemali, kwaye kukho umngcipheko wokukhwabanisa ngekhadi.

Iimeko Ezifanelekileyo: Iintlawulo ezincinci ezifana neendleko zokuhamba kwamanye amazwe kunye nokuthenga kwi-intanethi ngaphesheya kwemida.

Intlawulo yeDijithali yeMali

Umgaqo: Sebenzisa iimali zedijithali ezifana neBitcoin kunye ne-Ethereum kwiindlela zokudlulisela imali ngaphandle kokuxhomekeka kwiibhanki.

Iimpawu: Iintengiselwano ezikhawulezayo, iintlawulo eziphantsi kwezinye iimali, kunye nokungaziwa okukhulu. Nangona kunjalo, inexabiso eliguquguqukayo elikhulu, imimiselo engacacanga, kunye nemingcipheko ephezulu yezomthetho neyemarike.

Iimeko Ezisebenzayo: Okwangoku zisetyenziswa kwiintengiselwano ezinqamlezileyo, kodwa azikabi yindlela eqhelekileyo.