Yini I-Telegraphic Transfer (T/T)?
I-Telegraphic Transfer (T/T), eyaziwa nangokuthi i-wire transfer, iyindlela yokukhokha esheshayo neqondile esetshenziswa kabanzi ekuhwebeni kwamazwe ngamazwe. Kubandakanya othumela imali (imvamisa umthengi/umthengi) eyala ibhange lakhe ukuthi lidlulisele inani elithile lemali nge-elekthronikhi.kwabazuzayo(imvamisa umthengisi/umdayisi) i-akhawunti yasebhange.
Ngokungafani nezinhlamvu zekhredithi (L/C) ezithembele kuziqinisekiso zebhange, i-T/T isekelwe ekuzimiseleni komthengi ukukhokha kanye nokwethembana phakathi kwezinkampani ezihwebayo. Isebenzisa amanethiwekhi amabhange esimanje (isb, i-SWIFT, i-Society for Worldwide Interbank Financial Telecommunication) ukuze kuqinisekiswe ukuthi izimali zidluliswa ngokuphephile nangempumelelo kweqa imingcele.
Isebenza kanjani i-T/T ku-International Trade? (Inqubo eyizinyathelo ezi-5 ejwayelekile)
Vumelana Ngemigomo Yokukhokha: Umthengi nomthengisi bayaxoxisana futhi baqinisekise i-T/T njengendlela yokukhokha kunkontileka yabo yohwebo (isb, “i-T/T engu-30% kusengaphambili, 70% ibhalansi T/T iqhathaniswa nekhophi ye-B/L”).
Qalisa Inkokhelo (uma inkokhelo yangaphambi kwesikhathi): Uma kudingeka inkokhelo yangaphambi kwesikhathi, umthengi uthumela isicelo se-T/T ebhange lakhe (ibhange elikhokhayo), anikeze imininingwane efana negama lebhange lomthengisi, inombolo ye-akhawunti, ikhodi ye-SWIFT, kanye nenani lokudlulisa. Umthengi uphinde akhokhe imali yesevisi yebhange.
Ibhange Licubungula Ukudluliselwa: Ibhange elikhokhayo liqinisekisa ibhalansi ye-akhawunti yomthengi futhi licubungule isicelo. Ithumela umyalelo wokukhokha nge-elekthronikhi ebhange lomthengisi (ibhange lezindlalifa) ngamanethiwekhi avikelekile (isb, i-SWIFT).
Ibhange Elihlomula Lifaka Ikhredithi I-akhawunti: Ibhange elihlomulayo lithola imiyalelo, liqinisekise imininingwane, futhi lifake inani elihambisanayo ku-akhawunti yasebhange yomthengisi. Bese yazisa umdayisi ukuthi izimali sezitholakele.
Inkokhelo Yokugcina (uma ibhalansi ifuneka): Ezinkokhelweni zebhalansi (isb., ngemva kokuthunyelwa kwezimpahla), umthengisi uhlinzeka umthengi ngamadokhumenti adingekayo (isb., ikhophi ye-Bill of Lading, i-invoyisi yezohwebo). Umthengi uhlola amadokhumenti futhi aqalise inkokhelo ye-T/T esele, elandela inqubo efanayo yokudlulisa ngogesi.
Izici ezibalulekile ze-T/T
| Izinzuzo | Ukubi |
| Ukudluliswa kwesikhwama okusheshayo (imvamisa izinsuku zebhizinisi ezi-1-3, kuye ngezindawo zasebhange) | Asikho isiqinisekiso sasebhange somthengisi - uma umthengi enqaba ukukhokha ngemva kokuthunyelwa kwezimpahla, umdayisi angase abhekane nezingozi zokungakhokhi. |
| Izindleko zokwenziwa eziphansi uma kuqhathaniswa ne-L/C (kunezinkokhelo zesevisi yasebhange kuphela, azikho izindleko eziyinkimbinkimbi zamadokhumenti). | Ithembele kakhulu ekwethembeni phakathi kwezinhlangothi - ozakwethu abasha noma abangathenjwa bangase bangabaze ukuyisebenzisa. |
| Inqubo elula enemibhalo emincane (asikho isidingo sokuthobela idokhumenti eqinile njenge-L/C). | Ukushintshashintsha kwezinga lokushintshisana kungathinta inani langempela elitholwe ohlomulayo, njengoba izimali ziguqulwa ngesikhathi sokudlulisa. |
Imigomo Yokukhokha Ejwayelekile ye-T/T kwezohwebo
I-Advance T/T (100% noma Ingxenye): Umthengi ukhokha yonke noma ingxenye yenani eliphelele ngaphambi kokuba umdayisi athumele izimpahla. Lokhu kulungele kakhulu umdayisi (ingozi ephansi).
Ibhalansi T/T Ephikisana Namadokhumenti: Umthengi ukhokha inani elisele ngemva kokuthola nokuqinisekisa amakhophi wamadokhumenti okuthumela (isb, ikhophi ye-B/L), eqinisekisa ukuthi umdayisi uzifezile izibopho zokuthumela.
I-T/T Ngemva Kokufika Kwempahla: Umthengi uyakhokha ngemva kokuhlola izimpahla lapho efika echwebeni okuyiwa kulo. Lokhu kulungele kakhulu umthengi kodwa kunengozi enkulu kumthengisi.
Izimo Ezisebenzayo
Uhwebo phakathi kozakwethu besikhathi eside, abathenjwayo (lapho ukwethembana kunciphisa ubungozi bokukhokha).
Ama-oda okuhweba amancane kuya kwamaphakathi (abiza kakhulu uma kuqhathaniswa ne-L/C ngemisebenzi enenani eliphansi).
Imisebenzi ephuthumayo (isb., izimpahla ezizwela isikhathi) lapho ukudluliswa kwesikhwama esisheshayo kubalulekile.
Okwenziwayo lapho izinhlangothi zombili zikhetha indlela yokukhokha elula, evumelana nezimo kunezinqubo eziyinkimbinkimbi ze-L/C.
Isikhathi sokuthumela: Aug-26-2025
