Yintoni iTelegraphic Transfer (T/T)?
I-Telegraphic Transfer (T / T), eyaziwa ngokuba yi-wire transfer, yindlela yokuhlawula ngokukhawuleza kunye nethe ngqo esetyenziswa ngokubanzi kurhwebo lwamazwe ngamazwe. Ibandakanya umthumeli (odla ngokuba ngumrhwebi/umthengi) oyalela ibhanki yakhe ukuba idlulisele isixa-mali esichaziweyo nge-elektronikiyabaxhamli(idla ngokuba ngumthengisi/umthengisi) iakhawunti yebhanki.
Ngokungafaniyo neeleta zekhredithi (L / C) ezixhomekeke kwiziqinisekiso zebhanki, i-T / T isekelwe ekuzimiseleni komthengi ukuhlawula kunye nokuthembana phakathi kwamaqela orhwebo. Isebenzisa uthungelwano lwebhanki lwale mihla (umzekelo, i-SWIFT, i-Society for Worldwide Interbank Financial Telecommunication) ukuqinisekisa ukuba imali ikhutshelwa ngokukhuselekileyo nangempumelelo ukuwela imida.
Isebenza Njani i-T/T kuRhwebo lwaMazwe ngaMazwe? (Inkqubo yaManyathelo ama-5 eqhelekileyo)
Vumelana ngeMimiselo yeNtlawulo: Umthengi kunye nomthengisi bayathethathethana kwaye baqinisekise i-T / T njengendlela yokuhlawula kwikhontrakthi yabo yorhwebo (umzekelo, "i-30% yangaphambili yeT / T, i-70% yebhalansi T / T ngokuchasene nekopi ye-B / L").
Qalisa iNtlawulo (ukuba intlawulo yangaphambili): Ukuba intlawulo yangaphambili iyadingeka, umthengi ufaka isicelo seT / T kwibhanki yakhe (i-remitting bank), enika iinkcukacha ezifana negama lebhanki lomthengisi, inombolo ye-akhawunti, ikhowudi ye-SWIFT, kunye nemali yokudlulisa imali. Umthengi ukwahlawula imali yenkonzo yebhanki.
IBhanki ijongana noThutho: Ibhanki ethumela imali iqinisekisa ibhalansi ye-akhawunti yomthengi kwaye isiqhube isicelo. Ithumela umyalelo wentlawulo ye-elektroniki kwibhanki yomthengisi (ibhanki yomxhamli) ngothungelwano olukhuselekileyo (umzekelo, i-SWIFT).
IiKhredithi zeBhanki zeBhanki: Ibhanki yomxhamli ifumana umyalelo, iqinisekisa iinkcukacha, kwaye ifake imali ehambelanayo kwi-akhawunti yebhanki yomthengisi. Emva koko yazisa umthengisi ukuba imali ifunyenwe.
Intlawulo yokuGqibela (ukuba ibhalansi ifuneka): Ukuhlawula ibhalansi (umzekelo, emva kokuba iimpahla zithunyelwe), umthengisi unika umthengi ngamaxwebhu afunekayo (umzekelo, ikopi yeBhili yeLading, i-invoyisi yorhwebo). Umthengi uhlola amaxwebhu kwaye aqalise intlawulo ye-T / T eseleyo, elandela inkqubo efanayo yokudluliselwa kwe-elektroniki.
Iimpawu eziphambili zeT / T
| Iingenelo | Iingxaki |
| Ukudluliselwa kwengxowa-mali ngokukhawuleza (ngokuqhelekileyo 1-3 iintsuku zokusebenza, ngokuxhomekeke kwiindawo zebhanki) | Akukho siqinisekiso sebhanki kumthengisi - ukuba umthengi wenqaba ukuhlawula emva kokuba iimpahla zithunyelwe, umthengisi unokujongana nemingcipheko yokungahlawuli. |
| Iindleko zentengiselwano ephantsi xa kuthelekiswa ne-L / C (intlawulo yenkonzo yebhanki kuphela esebenzayo, akukho ntlawulo yamaxwebhu anzima). | Uthembele kakhulu ekuthembaneni phakathi kwamaqela - amaqabane amatsha okanye angathembekanga anokuthandabuza ukuyisebenzisa. |
| Inkqubo elula enamaxwebhu amancinane (akukho mfuneko yokuthobela uxwebhu olungqongqo njenge L/C). | Ukuguquguquka kwexabiso lotshintshiselwano kunokuchaphazela eyona mali ifunyenwe ngumxhamli, njengoko iimali ziguqulwa ngexesha lokudluliselwa. |
Imigaqo yeNtlawulo yeT/T eqhelekileyo kuRhwebo
I-Advance T / T (100% okanye iNxale): Umthengi uhlawula yonke okanye inxalenye yemali iyonke ngaphambi kokuba umthengisi athumele iimpahla. Oku kukulungele kakhulu kumthengisi (umngcipheko ophantsi).
Ibhalansi T / T Ngokuchasene naMaxwebhu: Umthengi uhlawula imali eseleyo emva kokufumana kunye nokuqinisekisa iikopi zamaxwebhu okuthumela (umzekelo, ikopi ye-B / L), ukuqinisekisa ukuba umthengisi uye wazalisekisa izibophelelo zokuthunyelwa.
I-T/T Emva kokuFika kweMpahla: Umthengi uhlawula emva kokuhlola iimpahla xa efika kwizibuko ekuyiwa kulo. Oku kokona kulungileyo kumthengi kodwa kunomngcipheko omkhulu kumthengisi.
Iimeko ezisebenzayo
Urhwebo phakathi kwamaqabane exesha elide, athembekileyo (apho ukuthembana kunciphisa umngcipheko wentlawulo).
Imiyalelo yokurhweba encinci ukuya kwephakathi (ixabiso elisebenzayo xa kuthelekiswa ne-L / C yeentengiselwano zexabiso eliphantsi).
Iintengiselwano ezingxamisekileyo (umzekelo, iimpahla ezithatha ixesha) apho ukudluliselwa kwengxowa-mali ngokukhawuleza kubaluleke kakhulu.
Iintengiselwano apho omabini amaqela ekhetha indlela yentlawulo elula, eguquguqukayo kuneenkqubo ezintsonkothileyo ze-L/C.
Ixesha lokuposa: Aug-26-2025
